BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX ( Complaint Date ) / I filed a dispute with the Experian Credit Reporting Agency concerning correcting my current physical address ; and after the dispute was completed, two ( 2 ) past physical addresses of mine have been entered as my current addresses. AND THAT IS FALSE. I have 2 addresses : 1 ) a Physical Address and 2 ) a P. O. Box Address. When I moved during the summer of XXXX, I kept the same P. O. Box Address, but changed my Physical Address. The zip code for my Physical Address is different from the zip code for my P. O. Box Address. For some reason unbeknownst to me, Experian entered my past addresses ( where I no longer live and which is in the same general area of XXXX, Virginia ), as my current Physical Address. Because I moved from my old Physical Addresses, there are different individuals living at my old Physical Addresses now. When a Credit Reporting Agency ignores a request by a consumer to update his or her address, in a dispute filed to that agency, the Credit Reporting Agency is contributing to the encouragement of Identity Theft or Fraud lodged against that consumer ; especially when there are new people residing at the consumer 's old addresses. By ignoring requests for address changes or updates, credit reports will be sent to the wrong person at the wrong address.

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 2021-07-19
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, it is XXXX XXXX I want to express my case regarding the late payment on XX/XX/2020, I came down with XXXX  and my business suffered, when I called Capital One to get Covid relief they put me on hold and kept transferring me and I ended not getting a deferment. 

Later Capital One blocked off access to me online account, I could not access the account. Capital One put this business account on my credit report and reported it as a personal account instead of a business account. Capital One failed to send me notice required by law letting me know adverse info was about to be reported to my credit report.

I want that Capital removed the XX/XX/2020 delinquency from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: Credit Karma, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been trying to look into my credit score but for some reason it keeps saying my credit score isnt found with the credit bureau. Is there a reason why my score cant be seen on any website?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I was just looking through my credit profile and there are a lot of inaccurate information which i would like removed from XXXX, XXXX, experian and other credit reporting companies. All of the following addresses are wrong and I would like removed off my file as these are not my address. The following addresses need to come off my report XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nj. The only address that is mine and accurate is XXXX XXXX XXXX XXXX NJ XXXX. As for my legal name you guys gave me down for multiple different names the only name that should be on my file is the following XXXX XXXX XXXX XXXX. Lastly my employment information is all inaccurate. The only employment on file that is accurate is XXXX XXXX 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 2021-07-19
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/21 I did an online dispute with Experian. To my surprise they account dispute was complete by XX/XX/21 however, there was no notice of dispute then pulled my official credit report and notice no comments indicating this account was dispute. Which means there is some trickery going on with Experian because of this violation Im asking for deletion of account. By the way Ive attached a copy of my credit report showing this and a screen record video 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 2018-12-26
Company: EQUIFAX, INC.
State: MI
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:
I have repeatedly tried to submit online disputes regarding my Equifax personal credit report. Each time, while making online disputes, Equifax suffers a " technical error '' and shuts my online dispute down. This has happened several times. I tried contacting Equifax customer service, but each time I was ignored. The web email dispute system that Equifax offers instead of the online dispute is inadequate because my Equifax credit report does not include the full account numbers for the accounts I am trying to dispute. Without the full account numbers, I can not complete the web email dispute form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
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:
I wrote Equifax on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. Still to this date they have not removed these unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX ACCOUNT NUMBER- 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 2018-06-12
Company: WELLS FARGO & COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a pair of men 's dress pants at XXXX 's department store on XX/XX/XXXX. On XX/XX/XXXX, I made an even exchange for one pair and returned one pair. Due to a mistake at the register I did not receive credit at the register for the pair that I returned. I called the store when I discovered the mistake. The store manager, XXXX at Mall XXXX XXXX in XXXX, KY performed a store audit and found the mistake. She promised me a credit to my store credit card for the dress pants. Several months passed and the credit card company Wells Fargo refuses to refund my monies stating that there is no receipt for the transaction. Of course, there is not a receipt. The mistake was made at the register. Wells Fargo must go back to the store audit and the store manager to find the mistake and acknowledge it. XXXX refuses to speak to Wells Fargo and Wells Fargo refuses to speak to XXXX. Of course, I don't have a receipt. I knew this the moment I realized there was a problem on XX/XX/XXXX. That's why the store audit was conducted and the mistake acknowledge by the store. Well 's Fargo refusing to communicated with the store on this point is equivalent to theft. I have received no less than three letters telling me I do not have a receipt. This is silly and wrong. I can provide copies of the letters, but I can not provide copies of a receipt when the mistake was made at the register. The store audit should be proof enough.

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 2021-03-05
Company: ERC
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pay a settle of XXXX on XXXX, the total was XXXX. I was told that would not show up on credit report well it does causing me higher interest rates. It will show up on report untilXX/XX/XXXXi was told would not. If i would have know that would have pay full amount. The interest rate of 2 % I would get without that on there. But a 6.9 % causing me hardship on a loan because they lye to me. In these times of COV-19 causing me so much hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX at Convergent has been repeatedly calling my husband while he is at school and work. My husband recieves multiple phone calls a day, from the same gentleman. I asked for not to call my job regarding personal matters. I was assured that they would remove my work number from the list. Today, I recieved an email from a secretary stating please call XXXX with a number.

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 2021-05-06
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Transworld Systems Inc located in XXXX, MO. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XX/XX/XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXXand not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX , XXXX. : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I called USAA to close my credit card account. I had a bill for the annual fee of {$35.00}. I was told they could not waive the fee even though I was closing the account " due to Federal regulations '' the fee was out of their control. I was closing the account the fee was for the year coming not the year past, so how can you not waive it as I was closing the account. They claimed it was for their services, what services if I was closing the account? I spoke with 2 different people and they both claimed that due to " federal regulations '' they could not waive the fee. They essentially charged me for services that I did not receive. Is this correct and legal?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18
Company: Navient Solutions, LLC.
State: NY
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/NAVIENT incorrectly entered that I was consistently late when I was on deference. This still shows a negative reflection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I made a complaint with the XXXX about XXXX XXXX  - XXXX adding on some sort of insurance to my cc. This was never authorized!! When I called to activate my card with the # on my card a lady with a XXXX XXXXt tild me i could have XXXX insurance added to my account for {$1.00}! And then receive a {$20.00} gift card. So i said yes to the charge of ONLY {$1.00} and that was it. After awhile i couldn't understand why my balance wasn't going down. I normally pay my bill over the phone. So when i was finally able to access my online account i gasped in horror!!! XXXX has been charging me an extra $ XXXX $ XXXXmo for over a year!!!! I never ever authorized this insurance on my account other than the {$1.00} when i first opened my account like the lady with the XXXX XXXX  said. I would never agree to this highway robbery charge!! Then they also charged me extra finance charges of {$47.00} in XX/XX/2018 and XX/XX/2018 which i have no idea why!!! This is fraud!!! They are misleading consumers. And they increased my interest rate!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: Account Management Resources
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: Account status incorrect

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

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 2018-06-30
Company: Carvana Group, LLC
State: TX
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:
**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to XXXX because they are who I have credit monitoring through and to XXXX XXXX. I was told by XXXX that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both XXXX and XXXX XXXX but have gotten nowhere. 

Carvana pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted XXXX and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital one is reporting that my Auto Loan for a XXXX XXXX XXXX  was late in the months of XXXX, XXXX, and XXXX of 2017. I have disputed this multiple times and this inaccurate information still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, have tried numerous times to contact the collection agency as well as e-mailing them and I have got no where. I have not received any recent mailings with the proof of the so called debt. I have tried to have there negative entry removed, I have consulted with the credit bureaus as well as an attorney. I will continue to fight and keep this entry under dispute. I will also be sending this company a demand letter. This is a debt I'm NOT responsible for and I refuse to share a cent with them. The amount of this illigitmate debt is around {$330.00}, I dont even recall what for either. This collection agency has terrible reviews all over the net. I have also placed a bad mark against them with the XXXX as well as alot of other public forums.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
THERE SHOULD NOT BE ANY DEBIT. XXXX XXXX 'S HOSPITAL VERIFIED MY COVERAGE BEFORE i ENTERED THE HOSPITAL ... KEPT VERYFYING IT ON A WEEKLY BASIS TILL I WAS ADMITTED .... THEN THEY CANCELLED THE ORIGINAL DATE ... THEY MOVED IT TO A DATE WHERE MY OLD INSURANCE WITH XXXX XXXX. I TALKED TO ADMITTANCE TOLD THEM MY DATE WAS BEFOR AND THEY KEPT CHANGING IT. SHE SAID EVERYTHING WILL BE FINE. LEGAL ACTION IS BEING PREPARED TO BE FILED AGAINST THE HOSPITAL THEIR BILLING DEPARTMENT AND THE 3RD PARTY COLLECTION AGENCY. UNDER THE FDCPA THEY Are to notify me in writing to this date no one has. they did call other family members threatened to sue me etc ....

Company response to consumer: Closed with explanation