BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
capital one is now chargin late fees, interest, and its all because they " '' assumed '' '' there was fraud activity on this account after a purchase was made by cardholder, we have sent everything they wanted and because the bank does not verify their clients accounts over the phone capital one still refuses to accept all the information that was sent to them more than once. a full payment was made to this account on XX/XX/XXXX bank can verify that. capital refused payment due to their " '' assumptions '' '' of fraud activity, as of today XX/XX/XXXX XXXX XXXX has added late fees, interest, and is reporting late payments to credit bureaus. the balance of XXXX was attempted to be paid like I said on XX/XX/XXXX. and the bank can and will verify this in writing. capital one needs to be investigated themselves, asking for a customers full bankin  account information is personal and private, but they demanded they have it to prove identity so it was sent to them, also many many many messages were left for XXXX XXXX to return the call which to this date still never has. theres also proof of multiple messages left for XXXX XXXX. now cfpb closed our last complaint without resolving the issue, you said your on our side on your website but its lookin as if your on the creditors side. please resolve this issue, please. how many times will I have to keep filing complaints before this gets resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Jet Blue Credit Card on XX/XX/XXXX. At the time I signed up Jet Blue offered XXXX points with the stipulation I paid the annual fee, and charged the required amount within 90 days. At that time I purchased two round trip airline tickets to Florida. I paid the annual fee on XX/XX/XXXX and charged {$2300.00} to the card ( this is twice the required amount ) .on XX/XX/XXXX. This offer was made on line when I was about to charge the tickets to my visa account. It also was posted in the airline terminal and onboard JetBlue flights. I also received three emails advertising the points. The first was dated XX/XX/XXXX, the second was dated XX/XX/XXXX and the third was dated XX/XX/XXXX. The XXXX point offer was in effect before and after I signed up..Recently I received another email dated XX/XX/XXXX indicating the clock is ticking - be sure to earn your bonus points. I spoke with customer service at JetBlue and the representative stated that the information I provided was correct but they needed Barclays to authorize the points. I spoke wit Barclays customer service and they stated they would look into it. On XX/XX/XXXX I received a letter from Barclays stating " We're currently unable to assist you with your rewards issue ''. I contacted customer service and asked for a reason and they indicated that since I purchased tickets at the time I signed for the card they had the option to give the discount or the points. Nowhere was this offered and they advised it was their choice to do this. In checking my account I see that a XXXX XXXX bonus was applied instead of the XXXX advertised at the time of enrollment. I believe this is very unfair to be treated this way and hope you can help with this issue. At first I believed this was an administrative error but after speaking with both JetBlue and Barclays it appears to be more than that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through XXXX XXXX. 

I demand XXXX XXXX provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my XXXX XXXX riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO XXXX XXXX BECAUSE XXXX XXXX IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT XXXX AND EXPERIAN DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
To whom it may concern, BMV finance is subject to lack of Corporate Social Responsibility.

BMV finance is subject to lack of ethic.

BMV finance is disrespect customer intellenge while they abuse the system.

BMV finance is constantly changing numbers from one letter to another, in hope to confuse the system or customers. 
Lack of efficiency and accuracy in the BMV finance department.

Abuse the customer account for making illegal money.

BMV charges customers unfairly without proof of evidence.

Threatening the customer instead of providing the evidence. 
Defamation of character and wasting time. 
I am entitled to seek any damages resulting from such misuse. 
It is upon government to audit the company in the customer 's account and their game.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account XXXX XXXX  XXXX open XXXX-17 amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the incorrect information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Financial Assistance Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in 2015 I contacted XXXX XXXX  about my vehicle loan and told them that I was being discharged from the XXXX due to an injury and could no longer afford my payments. I was instructed to sell the vehicle for the value of the car and I would not have to owe anything due to my financial hardship. XXXX XXXX charged off the loan and closed my account with them XX/XX/2015. Then about 6 months later I started receiving harassing phone calls stating that I still owed the balance for the car because they purchased the collection from XXXX and if I didn't pay it I would be sued. She told me that the only way to avoid this was to enter into an agreement to pay thrm. So I told her that I was only working part time and was declared XXXX XXXX XXXX XXXX by the VA and could only psy {$50.00} per month. I was paying sometimes and other times I couldn't because of other living expenses. Then I noticed after paying for about 12 months that nothing I paid them was going towards the balance and it grew to more than 2k over the original amount. Since then my credit score continues to suffer because of my increasing balance and I don't have any money to pay them due to my recent layoff due to COVID. 
I was told that its illegal for them to collect on a debt raising the amount of the debt with high fees and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian and XXXX are reporting that I owe XXXX to XXXX. I disputed the debt. XXXX  XXXX could not verify the debt. XXXX  XXXX has stated to me that the accounts should be removed from my credit reports. The accounts have not been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, XXXX  I am sending this request myself XXXX  address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information 's was found in my reports. This company, CAPITAL ONE BANK  USA N, has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days ; CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days ; CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past year, usually in bursts Midland Credit Company has called me four times a day from several numbers. Any attempt to actually answers these calls is met with complete silence, following with the caller hanging up after a few seconds. No messages are ever left, so I am unable to find what this is even for. I never received a mailed notification of collection either. 

Before I list the numbers and times of contact for the last few weeks, I would also like to point out that the only debts I have would be my student loans, which I am not required to make payments on as I am still a full-time student. I do not have any credit card debt, and my credit history would seem to corroborate this. 

XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called at XXXX. This is the most recent, and I'm expecting to receive 2-3 more calls today, given the trend. 

To finish, I am on the do not call registry, and again, have not received ANY communication, written or verbal, on the nature of this collection attempt and these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted.

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?!

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus XXXX is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus Equifax and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?! 

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus TransUnion is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus XXXX and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX BANK XXXX Balance : {$4400.00} XXXX BANK XXXX Balance : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company, XXXX XXXX placed a derogatory report on my credit report. The company reported to TransUnion that my account was late for payment and shows as a charge off on my credit report with TransUnion. The account for XXXX was discharged in Chapter XXXX Bankruptcy in XXXX of 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed on XXXX XXXX on XX/XX/2022. I was trying to purchase XXXX XXXX Tickets and I transferred the money through Paypal and he deleted his account right after. This is his phone number XXXX. His Paypal email is XXXX and XXXX name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation