BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX 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 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 am very dissatisfied on how Capital one handled me during purchase protection of an item I bought from a merchant. The card indicates they help resolve issues on purchases made that are defective and not as described, but yet you denied me of a refund on my case : Case Number :  XXXX for the merchant XXXX I purchased a pair of glasses from this merchant and shortly after around 1-2 months the coating on the frame has peeled off. I can no longer wear these glasses. I have sent Capital One photographs of the defect but they ruled in favor of the merchant. Capital One demanded unreasonable expectations from me to resolve the complaint ( ie ) getting a letterhead from a second opinion glasses store to document that these frames were defective. No other store will issue a letter on letterhead stating this unless I buy something from them. After losing {$160.00} - I will not spend more money on another store just to get a letterhead. 
I have disputed this issue for months with a terrible outcome. I believe Capital One has violated it's promise on helping their customers resolve complaints fairly. When I signed up with Capital One, it clearly stated on the website they help resolve purchases such as mine ... .this is misleading and this is false. This is an illegal advertising practice. I am still seeking my refund of {$160.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: FIRST CHOICE LOAN SERVICES 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:
Please see attached documentation. 

My complaint is for First Choice Loan Services and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that First Choice Loan Services for XXXX XXXX XXXX. First Choice agreed that the Past Due/Payment History is wrong, and that they would correct it by sending corrections to all 3 Credit Agencies. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of First Choice Loan Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: OPTUM BANK, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2022, I initiated a transfer of funds out of Optum Bank. 

On Tuesday XX/XX/2022, I received an email from an Optum Bank Risk Analyst that there was an issue. I responded to the email approving the transfer. 

On Wednesday XX/XX/2022, Optum Bank reversed the transfer and locked my account. I then spent over 5 hours on the phone attempting to resolve the issue and to have the funds sent immediately as requested. However, Optum Bank advised that they are unable to do so. 

Optum Bank prevented me from accessing my money and is still in control of said funds. I am unable to access this money as requested on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company named PYOD LLC is reporting an unpaid amount on my credit report. I did not open the account, I have never received correspondence from them about an account and I have attempted to dispute it to no avail. 

I believe I have been a victim of identity theft. 

Here is the information from my XXXX XXXX credit report : Creditor Name PYOD LLC Account No. 
XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I printed my Equifax report and noticed unauthorized/fraudulent inquiries on my credit report without my knowledge and written consent. I called Equifax to report this fraudulent activity and even sent a certified letter with a copy of my ID, social security card and utility bill through XXXX with the FTC report and Identity theft report requesting these inquiries to be removed from my credit report. this violates my rights to privacy under FCRA. 

Section 604 [ 15 U.S.C. 1681b ] - Permissible purposes of consumer reports. 

( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 

( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Equifax failed to remove this fraudulent activity and say the information came back verified after being properly investigation. As California resident and according to the FCRA Act, I'm requesting a description of the reinvestigation procedures. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required, ( 6 ) Notice of Results of Reinvestigation ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The three credit agencies Transunion, XXXX and XXXX   have not removed erroneous derogatory credit report from student loan collection agencies. I haven't opened a student loan account for over 20 years, and if this were accurate, but it is not, it would be too old to suddenly report. I have disputed over 30 days ago but the derogatory reporting continues, appears to change company names, the credit agencies is not responding to their responsibility to investigate truthful reporting and remove within 30 days per FCRA 15 USC 1681et seq. 

Any Student Loan Collection Agencies for approximately {$30000.00} and XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX USA {$39000.00} Why is this suddenly showing up on my credit report for the first time? 
They just keep changing their names.

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 2022-01-10
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Windham Professionals, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 WINDHAM PROFESSIONALS reported to my credit report a balance owed of over {$6000.00}. The balance is in question is currently being serviced by the original lender on a payment plan, and the balance was actually {$5600.00}. This agency falsely retorted an incorrect balance on my credit report, and is not even the debt owner.

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 2019-01-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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 just have a general question ...

If I disputed a debt and even tried to nefotiate in the past due to no success disputing and now A debt is cancelled and I received a XXXX. Is it my right to have it removed from my credit since now I am paying income tax on it? I am ok with it as long as it is deleted from my credit report. I have the proof if needed and can upload!

Please let me know my rights and how it should affect my credit score. I fee like they never explain how it will affect you. I have written in the past that I would like things explained and I never get any response.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently financed a home purchase through JP Morgan Chase, Home Lending, and the bank caused me to not only miss the closing date by over 2 weeks, but also the contractual financing contingency date, which caused me to break the contract and be liable to the seller. Chase had 2 months between having an accepted offer and closing on the property, and were not able to deliver. This caused me the loss of rental income as the property is a duplex and half occupied, as well as caused me to rent the owner occupied half back from the seller in order for the seller to extend closing another 15 days. Ultimately, the bank took 2.5 months to close on my mortgage, and I had provided all necessary documentation within 24 hours of requests. 
Chase advertises a " Closing Guarantee '' on its website, which I am fully eligible for compensation of {$1000.00} for not closing within 21 days. Chase has declined my claim arguing the 21 day timeline is based on when the lending adviser decided to forward my file to underwriting, something not disclosed in the terms and conditions on its website. Furthermore, the hold up to send my file to underwriting was 100 % Chase 's fault, as acknowledged by the lending adviser via email. Chase had 2 months to get closing done, and decided to send my file to underwriting only days before the original closing date, allowing them to stay under 21 days as they define the deadline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: ACS Education Services
State: IN
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 my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. XXXX has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method XXXX is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of ACS, Affiliated Computer Services who was bought by Conduent. I reached out to XXXX XXXX, who is the legal support for Conduent, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' XXXX who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 continued to demand and dispute account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX with the credit reporting agencies Transunion XXXX XXXX XXXX and I have asked for proof of the contract signed by me as well as the purchase agreement. The above debt collection company has only sent a itemization from their on database. On both credit reports it shows a balance of {$730.00}. No original credit limit. I have never had or ever been offered a card with a uneven credit limit. This amount is not accurate and is more of a nonsense unfactual amount. It is the responsibility of all the reporting agencies to report 100 percent accurate information. They are not doing this and this is causing me financial hardship and stress for me and my family at a time when the whole world is in turmoil. These reporting agencies have continued to allow XXXX XXXX XXXX XXXX XXXX bully me by changing up information on my reports such as recent 30 to 120 day late updates on my file to further damage my reputation. I have disputed these these facts with the company and the credit reporting agencies XXXX, Transunion. They are allowing this company to use unfair reporting tactics and I know that if they really did a full proper investigation they would find that I have no contract with this company and they can not show me how I they came up with a alleged amount of {$730.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: GA
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 been in contact with Equifax for the past 6 months in regards to accounts on my credit report that were fraudulent. I have supported police documentation to substantiate my claims. Every other CRA has removed those accounts. Not only has Equifax not removed but they refused to tell me the method that was use to verify my account ( s ) nor have they sent the documents as I have requested for approximately 6 months. Equifax is a fraud and clearly has no regard for the law and the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
On XX/XX/XXXX, XXXX XXXX fraudulently reported that I owe an outstanding XXXX XXXX balance to Experian. I do not own a XXXX XXXX account nor have I had XXXX for over a decade or so. Upon researching the company, I see that there are several scams involving this company as reported on the XXXX website here : XXXX XXXX XXXXXXXX. 

The organization claims that I owe a balance of {$2100.00} and paid {$1600.00} - I haven't paid any of this as this is inaccurate and false information. I opened a dispute with Experian as soon as I discovered this account ( around XXXX XXXX ). Today ( XX/XX/XXXX ), I received the following from Experian " The dispute for the account with investigative recovery services was not changed as a result of processing your dispute. The company that reported the information has certified to Experian that the information is accurate. '' i have since called Experian and they said that the organization was able to provide my SSN, Address and Name so Experian left the account on my credit report. As I see it, if my information has been jeopardized as it has and given the many data breaches that occur each year, the fact an organization has my SSN, Address, and Name should NOT be enough to prove that the account is mine. 

This request to follow up on this fraudulent activity is especially urgent because our family is in the process of purchasing a home and this will disqualify us for a mortgage. 

Thank you in advance for any help you can provide me and future consumers being targeted by this entity.

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 2019-05-15
Company: EQUIFAX, INC.
State: GA
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 went into a store ( XXXX ) to make a purchase via debit card. The clerk stated that the card swipe didn't work. She then asked me to take my debit out and also give her my ID to verify that it was my card, she then began typing into their system. I told her that I didn't want any promotional items, text or phone calls. She did ask before the transaction if I wanted a credit card, my answer was no because I no longer use individual store cards - only majors. 
After leaving the store I learned that she used my ID to get my social and address to apply for a credit card. I DID NOT REQUEST THIS! I phone the district manager who has spoken with me a week ago and has not followed up. When I spoke to that exact store clerk, she stated that just by making a payment with a debit card their machines automatically run credit. I know this to be false and misleading - that was the 2nd time she misrepresented herself and lied. Now I have a hard inquiry from them whereas I did not request any card. I never gave her my social - she had to use my date of birth and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
See Attached Documents. Attached will be a Picture of on ID and Social Security Card Utility Bill. It will also have an attached FTC Identity Theft Report as well as Dispute letters with account information that needs to be deleted from my report.

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 2019-05-16
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from General Revenue Services on XX/XX/XXXX saying they refuse to investigate my dispute- I have requested debt validation for the balance of {$540.00} General Revenue Corp and I have not received any thing. I reported this previously and they claim to have mailed it in the past but I never got anything. 

They also did not upload any documents in the Consumer Financial Protection Bureau Portal. I am requesting them to provide a copy of a signed contract for the services of this amount they are collecting for. I am asking for a numerical breakdown of the services they provided that cost {$540.00}. 

They have not provided the documents within the 30 day required by 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