BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: EQUIFAX, INC.
State: LA
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:
I have notified all 3 credit bureaus on numerous occasions via certified mail that this account XXXX XXXX that is reporting {$1500.00} IS NOT MINE. Each time the credit bureaus come back and notify me that it will take 30 days for an investigation and this account comes back verified. I sent them an additional letter asking HOW was this item verified as I have never had an account with them or XXXX. After calling the bureaus I was then told that they would not be reinvestigating. I feel as though I am stuck with an account that is not mine. My last letter to them I asked for any documentation from the creditor validating this account and received nothing but a letter from the bureaus stating that the data furnisher has verified the account.

I need immediate removal of this account as it is not mine and NO ONE has been able to provide any information to validate that this debt has my signature on it after 3 certified letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Big Picture Loans, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a XXXX XXXX XXXX put a dergatory report of {$880.00} for Pepper Cash loan. Never heard of Pepper Cash. The date opened was unknown and just showed up without any notification received from the debt collector. When I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that Pepper Cash had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX  security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXX ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}. XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX has been reporting 4 bad collection debts to my Equifax credit report. I contacted XXXX via certfied mail XX/XX/XXXX asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. XXXX responded with letters dated XX/XX/XXXX with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. XXXX XXXX did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To make a long story short I finally decided to start the process of buying a house and not rent because its just costing to much on rent. The bank denied me and I went to look at my credit to see why or if its something small i can handle and I saw alot of things on my credit that is not mine. I filed this with the FTC and I also call the police here in XXXX. I also saw a banktuptcy and I dont know where that even came from. I talked to my friend who is an attorney and called the bankruptcy court and the clerk said I did not have a bankruptcy filed with my social security number and she told me to call another place XXXX XXXX and they said the exact same thing. There are also some student loans and I barely finished highs school so I know I didnt go to college. Here are the accounts im talking about XXXX XXXX, XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and the inquries is XXXXXXXX, XXXX XXXX  XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Can someone help me Im doing this by myself.

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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 a deposit was sent over to what was thought to be a tattoo artist. Services were never rendered. Chase Bank is refusing to file a flail to recoup the funds sent over to the would be scan artist. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX  page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and Chase should go after the scanner just as the would when disputing charges from XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
on XX/XX/2018, XXXX XXXX, debit my checking out three times. I agreed to make payment on XXXX and the acct was okay with that. due to some health issues, I wasn't able to make the XXXX, but I had planned to contact them once I was feeling better, they have done this several times and I asked my bank to restrict this merchant. I believe this company has it in for me and they feel they can charge whatever they without my authorization. they should be a law for companies like this who tend to bullied customers acct without their regard. I am sure nothing good will come out this, they are tough as nails and negotiate is not an option for them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Cancelled my subscription for credit monitoring with equifax in XX/XX/2021 on their website when the changed the product to the new complete family plan. Received an email on XXXX XX/XX/2021 stating a cancel request was put in. Since being of XXXX I have received 9 different emails saying my payment failed to process and to call or go online. I called them on XXXX XXXX and they confirmed that my produvt was cancelled and no payment was due. Since then I have received 4 more emails stating payment was processed and to call or go online. I called again on XXXX XX/XX/2021 and the person who answered asked weird credit questions to authentic me from years ago that I was unable to answer. So I asked for the ticket to be sent up to a manager. Since then I have received 2 more payment emails. This is harassment and this company needs to stop immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to Equifax, XXXX, and XXXXXXXX on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capstone Credit And Collections are trying to collect and reporting a debt that I do not owe. They are representing XXXX XXXX XXXX XXXX in a attempt to collect {$3700.00}. I already sent them written notifications stating that I do not owe them, nor XXXX XXXX anything, and demanding they remove this from my credit report, but they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I bought a car on Friday XX/XX/2020 from XXXX XXXX XXXX. Saturday I found out my hours have been cut due to Covid-19. I took the car back to XXXX XXXX XXXX  Sunday XX/XX/2020 as soon as they opened to inform them that I would have to bring the car back because the financing will not go through once the company calls my job to verify. So the XXXX XXXX XXXX tells me that the deal is sealed and I would have to just have to have a repossession. Now I didnt sign the documents ( contract ) until almost XXXX that Friday night, and all banks close at XXXX the latest. So he said well when the bank calls once they verify we will return you the car and I will be able to get my down payment back. I get a call today from the General Manager XXXX XXXX and he tells me that the deal is sealed. I contact the financing company Kia Motor Finance and this company tells me the dealership is supposed to verify they just manage the payments and thats it. So I call the dealership back and I let them know what the financing company has stated and to let them know that my HR has not received a call to verify my income from the dealership and or the financing company. So how could I get approved for financing without correct income. The GM XXXX XXXX tells me they dont have to verify that information on a loan! That now how its done! And the deal is seal! I informed him that I am aware that all deals that are contingent upon financing has to be verified and I havent had the car over a week. And if they would have verify my income status I wouldnt be approved for the loan! He stated again that he doesnt have to verify to get me approved for a loan through a financing company. Now Im in a situation that I technically wouldnt be in if the bank or the dealership wouldve verify with my job!! This is illegal and Ive never heard of a company loaning out lump sum of money without making sure a customer can repay them back they money. I feel like the company XXXX XXXX XXXX  didnt verify my information because they knew they would have to return me my down payment and they decided to push the deal through even though they knew of the situation that just occurred and they want this deal instead of what is in the best interest of the customer. This is illegal and it need to be fixed immediately. I asked for the Owners Name and number and no one at the dealership wanted to give me his information XXXX XXXX said I would need to do research to get his information. But the business XXXX XXXX XXXX said I would have to get his number from XXXX because that information comes from him!! I am getting the run around! I hate I purchased a car from XXXX XXXX XXXX They are Frauds!! This is so horrible how dealership treat people! Especially in such a short time!! This is sad!

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 2018-11-14
Company: U.S. Collections West, Inc.
State: AZ
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:
The contract related to the account has been cancelled and is unverifiable please validate this information with the company and provide me copies and documents associated with the account bearing my signature for such charges.I am not liable for any and all 3rd party bill collection accounts as the original creditor has already been paid for such losses through insurance and taxation.

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 2021-06-23
Company: REDEMPTION FINANCIAL SERVICES LLC dba NATIONAL AUTO ACCEPTANCE
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX a vehicle was financed by Redemption auto with offices operating in XXXX and XXXX Louisiana. Terms of the interest to be paid were very high, but in desperate need of a vehicle and was lead to believe that a few on time payments would decrease the monthly payment amount. But the vehicle needed several repairs leading to the car being repossed and surrendered in XXXX of XXXX. Then, In XXXX the Company hired attorneys to collect the unpaid balance on the account which at the time was about {$9000.00}. Prior to the suit being filed there was no notification in any form that legal action was taking place until I was served documents stating that I was being held accountable to pay the balance by means of wage garnishments of 25 % per paycheck. The garnishments lead to tensions of the job with the company pressing me to clear the matter. So in XXXX of XXXX I began to file for bankruptcy after paying around {$3500.00} towards the balance in XXXX. After being discharged from the bankruptcy I heard no more from the attorneys XXXX XXXX XXXX. I switched jobs in XXXX of XXXX and tried to reach out to redemption finanacial to settle the matter but no replies or answering of the phone. In XXXX of XXXX I received letter from Attorney XXXX XXXX located in XXXX XXXX La about suing and seeking wage garnishment to pay the balance of the loan from XXXX in excess of {$20000.00} being owed due to daily interest being applied. I called and reached out to the attorney and offered a lump sum of {$3000.00} and asked to interest to be relived and credit from previous payments to be considered and settle the debt. He refused and hung up in my face without no resolution. Again I reached out and explained the financial situation I was in would not allow me to pay over {$20000.00} due to owing federal back taxes and that I have two garnishments already with child support and state tax levy on my wages and any other attempts would put my job at jeopardy with the new company. Again Mr XXXX refused and have not answered and Futher calls. In closing the Orginal loan was misleading And predatory as well as the attempts to collect on the balance and the nature of pursuing wage garnishments jeopardizing my livelihood and support of my family. I would like to file complaints on both XXXX XXXX and XXXX XXXX law firm in efforts to alert others of the practices which is very unfair and have the businesses update and evaluate debt collection practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!!

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. These consumers reporting agencies are taking a advantage of me. 

15 U.S. Code 1681a ( b ) 2 Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( b ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

According to the Truth in Lending 15 USC 1602, That's any card plate or coupon book existing for the purpose of obtaining money, property, labor, or services on credit.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These agencies are violating the law.

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 2018-08-09
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
On XX/XX/XXXX I applied for the American Express Blue Cash Back card as they were offering a promotional deal - {$150.00} statement credit after you spend {$1000.00} in purchases on your new Card within the first 3 months. I was approved for the card and made over {$1000.00} in purchases in the first 3 months. 

I have not seen the promotional credit still as of XX/XX/XXXX. I have communicated with American Express multiple times. They have claimed to investigated the issue ( ID XXXX ) and determined the offer was not available when I applied. I do know that the offer has been around since at least XX/XX/XXXX, and is still available on their website today. 

American Express has also acknowledged a problem with my account failing to accrue any rewards points for my purchases. They have offered to credit me 1 % of my purchases. I decline this offer, as I am entitled to the {$150.00} statement credit offered, which is what got me to apply for their product.

Company response to consumer: Closed with explanation