BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX assures me that they only made One credit inquiry and that was on the XX/XX/2018. But, Equifax shows that two Hard Inquiries were made by XXXX XXXX first on XX/XX/2018 and again on XX/XX/2018. I notified both Equifax and XXXX XXXX about this discrepancy on my Equifax Credit Report. XXXX XXXX insists that they show only 1 inquiry to Equifax which was done on XX/XX/2018. Nothing in their records to show an additional inquiry on XX/XX/2018 or anytime after XX/XX/2018. I reported this to Equifax and was told to Contact XXXX XXXX to have the additional inquiry removed by request. I did, and XXXX XXXX insisted they can not do that as they only made an inquiry on XX/XX/2018 and can not remove something they have no record of. Equifax told me that Equifax merely records requests from their customers when made and they can not be remove by Equifax. I feel like a tennis ball bashed back and forth in a never ending match. I have been using XXXX XXXX to keep track of my credit history for a couple of years now and that is how I discovered the error with XXXX XXXX. I have been trying to get a resolution to this with both XXXX XXXX and Equifax since I was made aware it happened when I checked my Credit Report on XX/XX/2018 with my last complaint to XXXX XXXX and Equifax on XX/XX/2018 I obviously need higher help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Aldous & Associates, PLLC
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX To Whom it May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15r U.S.C 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any completely deleted. The Following derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECTLY INCOMPLETE, UNTIMELY, NOT MINE NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT regulatory federal reporting laws and or standards and must be removed immediately the the infractions are as follows : Alleging creditor and account as is reported as having a late payment on my credit report, Aldous & Associates I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and perthe standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 15 USC 1681. 


XXXX XXXX XX/XX/2015 {$3500.00} XXXX XXXX XX/XX/2015 {$3500.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

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 2018-10-25
Company: Experian Information Solutions Inc.
State: HI
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 have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2022-06-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

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 2018-10-25
Company: Experian Information Solutions Inc.
State: CA
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 Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by informative research. I don't recognize this inquiry nor have I applied to any service of such type this year.XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX  load on XX/XX/18.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

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 2016-03-20
Company: Federated Capital Corporation
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX our corporation was issued a XXXX business card in the name of XXXX XXXX XXXX that continually harassed us for about 3 yrs and claim that the debt is owed by my husband which it is not XXXX business cards sold the the account to XXXX and XXXX who claimed to be attorneys they were not set up a settlement with us which we paid in XXXX XXXX the the corporation they never reported it XXXX kept the money XXXX on {$4000.00} they said was owed then they turned it over to a debt collector in XXXX named federated financial services which went after my husband with their attorney and said he owed XXXX with al the penalties late fees and interest every month they had the XXXX come to our home threatened us and told employers our confidential business XXXX business is bankrupt and federated has changed their name to XXXX XXXX XXXX we have paid this and do not owe anything just who are they collecting debt companies settled for pennies on the dollar and we paid them we want it removed off of my husband credit report and post as debt settled and to leave us alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-10-02
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
FCRA 15 U.S.C. 1681i : ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. 
I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS.

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 2020-06-03
Company: EQUIFAX, INC.
State: IL
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:
I have been trying to work with this company for over a month. They promised me that this loan would help " build my credit ''. When I took out the loan, I paid it off in 4 months to avoid a huge amount of interest they would tack on. I was NEVER 30 days late and paid this loan in full. They continued to report to the credit bureaus that I owed {$1200.00}. I filed disputes with all 3 bureaus, but whoever responded on the creditor 's end responded to the bureaus with false information. They stated that I was 30 days late, only had the loan for 1 month ( which hurt my score by 40 points ), and deleted my 4 month good payment history. They also did not update anything with XXXX and reported it as a " boost self managed account '' which is wrong. I have called them over 5 times ( 2 hour hold times ), emailed their 2nd level support ( XXXX XXXX ), and faxed XXXX XXXX. She continues to tell me to " call in '' but when I finally get someone on the line they tell me to " talk to XXXX ''. This is company is UNBELIEVEABLE and THE WORST FINANCE COMPANY EVER! I NEED THIS INFO ON MY CREDIT REPORT FIXED ASAP AS IT HAS MADE MY CREDIT WORSE AND I HAVE DONE MY PART WITH THE LOAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
XXXX XXXX has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.

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 2022-06-15
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:
I applied for a mortgage loan. The bank checked my credit report with Experian. Then I started receiving numerous calls from mortgage companies soliciting my business. The only explanation is that Experian shared my phone number with these companies. This must stop.

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 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one card ending XXXX. Capital One is showing a 30 day late mark on my report from XX/XX/XXXX. I wasnt late ; I called in XXXX multiple times to make sure it would reflect accurately. I spoke with several people and they assured me that the error would be removed. However it is still not removed. I called in for the past 3 years, some even saying that they dont see a 30 day late mark while Im looking at my credit reports and it still shows there. I called in a few times in XXXX and they assured me they are helping and will remove it but they havent and they keep telling me to wait until a later date. They refuse to pull up the original call when I first noticed the late payment showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One is showing as my account as past due in previous months and that needs to be updated to no late payments. I wasn't aware of the balance during an issue with my card and XXXX  reporting it as fraud. It took months to get that rectified. I never got a bill, nor could I login into my account online to look at it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Took out a car loan of {$57000.00} with Toyota Financial Services ( TFS ) on XX/XX/XXXX. The auto loan has a finance charge of {$9300.00} at 4.99 % annual percentage rate ( APR ). Payments for the car loan was agreed between myself and the XXXX XXXX dealership to start on XX/XX/XXXX for my first payment. 
According to the contract signed, per the XXXX XXXX and Payments clause, the finance charge is calculated on a daily basis at the annual percentage rate on the unpaid part of the amount financed. Mind you my contract was agreed and signed by both parties to start on XX/XX/XXXX. Meaning, payment for my loan would start on XX/XX/XXXX. The Finance Charge and Payments clause also states, that, XXXX days after a payment is due as originally scheduled or deferred, TFS will compute and charge interest on any balance remaining unpaid, including any unpaid default charges or deferment charges at the annual percentage rate ( I am assuming Toyota Financial Services expects payments for car loans, middle of each month ). 

Here is the issue I have with TFS and the dealership : XXXX. Having called Toyota Financial Services, I was told over the phone that the dealership included a {$7.00} daily late charge cover up in my contract. This was revealed to me and not included in my contract. 
XXXX. Toyota Financial Services started pushing the amount finance ( car loan ) up daily by applying charges on the loan prior to the contract start date ( XX/XX/XXXX ) despite having not defaulted on any payment or the contract starting as agreed by both parties. 
XXXX. By applying interest/late charges on the amount financed ( car loan ), the amount I borrowed from Toyota is now skyrocketing on a daily even before the contract is supposed to kick in. 
XXXX. This manipulation and coercion tactic by TFS stressed me into making an untimely payment on XX/XX/XXXX for my first payment thereby, in believing the payment would affect the amount financed ( principal ). 
XXXX. After 4 days ( XX/XX/XXXX ) of my first car note payment, the amount paid has and did not reflect on the principal amount prior to the bank holiday and the finances amount keeps going again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I made an arrangement with American Express to pay down my balance over time, rather than allow my credit card account to become delinquent. They set up a payment plan for me, which I have kept current, and they have been telling the credit reporting agencies that my account is past due. Currently, the notification is that my account is 120 days overdue, even though I am current on the agreed-upon payment schedule which they set up for me. American Express is destroying my credit rating even though we made an agreement for me to pay down my balance over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I learn my credit line was decrease on XXXX XXXX, 2019 after two years of perfect payment history since opening the account. I was sent a conflicting letter that the decision was base on XXXX  Reporting. I did not understand why my credit line would be decrease with a perfect payment history and perfect credit. I call Macy and ask for the reason why my credit line was decrease? They said I need to call XXXX  and refuse to tell me or send me a letter telling me the reason for the decrease.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: VA
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 15 USC 1681. 
XXXX XXXX Account # XXXX, has violated my rights. 

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 a 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. 1681s-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.

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 2016-06-16
Company: Credit Plus Inc
State: DC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have written a certified letter to this company asking for proof of my signature to allow them to pull my credit reports along with the credit bureaus. I have not received any proof. They have violated the Fair Credit Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I have requested that they either mail me a copy of my signed authorization form that gave them the right to view my credit within 5 business days and that letter was dated on XXXX XXXX, 2016 ( certified mail ) I have also asked the company for a payment of {$1000.00} if they did not have the signed document. Please find attached the response from the company stating they do not have a file in my name or under my social security number but they have not removed their company from credit report. They have abused my rights by pulling report 2-3 times in one week.

Company response to consumer: Closed with explanation