BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: TN
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 sent EQUIFAX, written requested for full file disclosure pursua nt to 609. Disclosures to consumers [ 15 U.S.C. 1681g ] of fair credit reporting act o n  XXXX / XXXX / 2017 . USPS delivery on  XXXX / XXXX / 2017 , My request was denied ( ignored ). So, on  XXXX / XXXX / 2017  I sent a second request.  USPS  delivery  XXXX / XXXX / 2017 , the company is in clear violation of federal FCRA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called 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 non-monetary relief
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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:
My information was compromised via XXXX XXXX XXXX in XX/XX/2021 I noticed my XXXX account was tampered and I attempted to have the fraudulent transactions stopped which continues and reflecting on XXXX, XXXX, experian as closed derogatory with XXXX. The inactive XXXX account was used to fund all the fraudulent charges processed through XXXX  which placed the bank in negative balance and in XXXX XXXX  The XXXX consumer reporting agencies did not notify me this account reporting and failed to establish validity. all fraudulent transactions linked to the XXXX amounting to over XXXX now showing on all my consumer reporting agencies profile. I saw fraudulent name and addresses listed also on my profile. 
This has damaged my credit and causing emotional stress, financial strain and prevents me from refinancing my home. I was never notified of the fraudulent transactions by XXXX and XXXX. I attached my identification of evidence of assurance and ssn card for the case

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 2017-09-11
Company: EQUIFAX, INC.
State: PA
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: Didn't receive services that were advertised

Complaint:
Equifax failed to do their part in securing the personal information stored on their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: AR
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:
XXXX  loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX bonus miles. Back in the first week of XX/XX/XXXX (  Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business. I have immediately stopped using all my AMEX cards and my wife has also stopped using her card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had a mortgage loan from the company called XXXX ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Information on account is incorrect or in accurate. Myself as the consumer has the right to dispute any information that is not correct on credit report. Several disputes have been filed and has been unanswered with no information provided on the Account that is showing inaccurate. 
When looking at file it is saying that information has been verified yet no information has been sent to myself. 
Account information is as follows XXXX XXXX XXXX XXXX  XXXX {$420.00}

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-05-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind a couple of payments with PennyMac but I was always in communication with them and had future payments set up to get caught up. I am a service member who was XXXX in XXXX and they knew that and used to send correspondence to my box overseas. But on XXXX this company did a lot of things without telling me. I was NOT on foreclosure and suddenly they decided to have a third party company to do an inspection at my house. This company broke inside my house with the excuse they want to winterized after the winter was over. They demaged my door, my walls, stole items from me and left my house dirty and locked me out of my own house putting a lock on the door. and when I contacted pennymac asking why I was not informed about this inspection they stated I was behind a payment and they have the right to do any inspection they please. I disputed that because no one can come unannounced to my property, damaged and steal my personal belongings, took the water meter, disconnected my services cancelled my insurance and put stickers on my door that resembled foreclosed homes which embarrassed me a whole lot. After they sent a letter to the insurance company to tell them to cancel the insurance they started sending me letter stating I didnt have insurance which they cancelled performing such acts of disregard on peoples houses. and they knowing I was overseas with the military said my house was vacant. And they will continue to come in and do as many inspections as they want. This company has no respect for its customers and will use military work against military members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
my loan payemnts wrong still trying get this fix. 

I paid {$3800.00} in XX/XX/2022 which was told on recorded line that can be trace n replayed. 

XXXX, XXXX, XXXX paid and XX/XX/2022 will have a $ XXXX to be paid then back to regular payments in XX/XX/2022. 

somehow somebody put the money to everything but my upcoming due dates which we both agreed on. they lied and repo the car

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made 2 purchases that should have been covered under buyer protection. I sent capital one proof where I the customer was fraudulent ripped off and both times capital one sided with the business without looking at my proof. 

Claim number 1- I purchased a table cloth for my wedding which should have been 120 inch. I received the table clothe it was 20 inches and barely covered a children 's table. I sent capital one the complaints on the seller and picture of the ad and product. The seller told the bank I was satisfied with the purchase which was a lie and capital one closed the claim in their favor. 

Claim 2- I went into a nail shop, and the nail tech was awful and had an attitude. I was there for 4 hours and finally told her to stop so I could leave. I did not sign the receipt. I called the nail shop with capital one on the phone and the nail tech herself said that she doesn't remember me signing the receipt and agreeing to pay.

When I called capital one I spoke to two people with extreme language barriers and got no where. This is now a billing dispute because I am moving all funds out of the bank. 

I need someone to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions 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 recently requested that a late payment be checked for verification because the original creditor, XXXX   XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX XXXX. In XX/XX/2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XX/XX/XXXX, which I know for a FACT is completely erroneous, because the late was in XX/XX/XXXX, not XX/XX/XXXX. How could these bureaus have properly identified with XXXX XXXX? I dont think XXXX XXXX   would have told them it was late the following month. XXXX even took it off and then put it back on as more incorrect than it previously was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello, I am a XXXX XXXX in Colorado. 
I have an auto lease loan with Chase. 
I have never been late in the last 3 years of my lease. 
I was 2 days late, and it was reported to the credit agencies. 
With that being said, we are in our fifth surge of XXXX, and I thought I had scheduled a payment for XX/XX/2021. 
I work in a local XXXX, with bed capacity issues and working with patients on a daily basis. I totally forgot. My mind wasnt focused on my car lease. It was focused on saving lives. 
I contacted Chase and they would not help me. Im looking for a withdraw of my delinquent payment history from my credit reports. I sincerely appreciate any help you can give me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, 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 recently requested that a late payment be checked for verification because the original creditor, XXXX XXXX, would simply not work with me at all. I have multiple credit cards opened for multiple years now with XXXX XXXX and a great outstanding relationship with XXXX  XXXX. In XXXX of 2018 a payment was not received due to an error in the app. Its a bit ridiculous because the minimum payment even was only {$25.00}, and Im making thousands of dollars in credit card payments per month, as seen on my credit file history. Why would I miss a {$25.00} payment? They never even notified me that it was delinquent, which is standard for creditors. Thats why it went over 30 days. Never even noticed, as I just assumed the payment went through. They never told me about an error. 

Now heres the kicker with the credit bureaus. I asked for the verification recently from all bureaus and they came back updating it as late in XX/XX/2018 instead of XXXX, which I know for a FACT is completely erroneous, because the late was in XXXX, not XXXX. How could these bureaus have properly identified with XXXX  XXXX? I dont think capital one would have told them it was late the following month. Equifax even took it off and then put it back on as more incorrect than it previously was.

Company response to consumer: Closed with explanation