BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: AMERICAN EXPRESS COMPANY
State: VA
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 previously filed a written complaint with the Consumer Financial Protection Bureau against American Express. Please refer to Consumer Financial Protection Bureau complaint number XXXX. 

This is an ADDITIONAL complaint against American Express regarding fraudulent late fees, interest and other fees. I received a demand for {$690.00} from a credit collection agency AfTER my American Express credit card was CLOSED and MY BILL WAS PAID IN FULL so I do not owe American Express any additional financial payment. 

The NAME and CONTACT for the American Express Credit collection agency is : XXXX XXXX XXXX XXXX Account Representative XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX has a SECOND address : XXXX XXXX  Account Representative XXXX XXXX XXXX XXXX Texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a written notice of an attempt to collect. This collection was posted on my credit report. This debt was paid in full, and I do not owe. I have disputed the debt with the credit reporting agency, but they are saying the collection agency has provided proof of debt. This debt was paid in full to XXXX XXXX on XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX account # : XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX I asked Consumer Portfolio Services not to call me at work, co n't on last call at work was on XX/XX/XXXX. My reference gets harassed since XX/XX/XXXX. XX/XX/XXXX when loan started. My loan should have only about 2 years left, my loan has almost 3 years left on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 spoke to Capitol One on XX/XX/2019 to make arrangements to close my card and pay off the balance. I was told at the time that any transactions from that point, XX/XX/2019, would be declined. At that time, in good faith, I set up an monthly autowithdrawal from my bank account to pay off this card in approximately 1 year. In checking my statement today, I see 5 charges of {$55.00} each from a school music instrument rental company called XXXX XXXX XXXX ).  This company must have had my credit card number from a previous transaction and withdrew these charges without my knowledge or consent from this card that I thought was closed. The Capitol One representitive I talked to today told me my account was not closed on XX/XX/XXXX although I am 100 % positive that I was told it would be. The Capitol One representitive I spoke to today was completely unhelpful, saying there was nothing she could do and would not allow me to dispute those charges. I am desperate to close out this high interest card and am irrate that charges were continually added to it when I was told it was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am writing to you regarding fraudulent activity on my debit card and savings account. 
I would first like to mention my debit account is now closed since that claim has been completed. I mention it in this document as it correlates to the second claim. 

Claim No. XXXX was opened. Fraudulent amount {$140.00} ( bank info attached ) Claim No. XXXX was opened. Fraudulent amount {$960.00} ( bank info attached ) On XX/XX/XXXX someone walked into the BOA XXXX XXXX in downtown XXXX, Texas claiming to be me. They deposited a fraudulent check in the amount of {$960.00} and immediately withdrew {$140.00}. ( bank info attached ) Claim No. XXXX was opened as a result of the above. BOA immediately applied a chargeback fee and took out {$520.00} from my savings account. ( bank info attached ) In addition, I am attaching XXXX XXXX XXXX letters received from BOA. The XXXX letter dated XX/XX/2022 informs us that the investigation is complete and that there is no loss to us. They reference XXXX but I believe it should be XXXX. I have since received the {$140.00} and have closed this account. The fraudulent deposit of {$960.00} was debited from the account. 

The second XXXX XXXX letter dated XX/XX/2022 informs me that the investigation is complete and that there is no loss to me. They reference XXXX. We have made numerous phone calls to the BOA fraud dept and have spent numerous hours talking to the fraud specialists but with no successful outcome. 

Both these letters ( attached ) specify that the fees would be adjusted and there would be no loss to me. However, I have yet to receive the XXXX Back fee of {$520.00} taken out by BOA from my savings account. There was never a {$520.00} credit to this account. There has also been a case opened with the XXXX Police Department to view the video footage of the perpetrator and press charges ( Case # XXXX ) I would like to get this sorted ASAP so that my funds ( {$520.00} ) can be deposited back into my saving 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 monetary relief
Consumer complaint received 2023-06-08
Company: Alorica 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: Account information incorrect

Complaint:
I paid my final payment to SST/XXXX  on XX/XX/XXXX. I have evidence of all payments made via my bank statements and I sent them proof through XXXX dispute and they still refused to update my account as paid in full. I disputed 2 times and SST keeps reporting a balance that is higher than last time. The total paid is {$5100.00} including interest way over the amount of the loan. I only took out {$3500.00} and was given {$1000.00} up front. This was a credit builder loan through XXXX XXXX Bank where I would receive the rest after completely paying off the loan. I applied through XXXX XXXX. XXXX XXXX transferred my account to their partner SST. If, I didn't pay off the loan, then why was I paid in XXXX {$2500.00} that was owed to me. The payments made from my bank account shows SSTXXXX ( via my debt card ) and also Withdrawal from Service and Systems loan ( paid via ACH ). So it shows two different ways on my statement but the same people and you can check with my bank to verify. This account needs to be updated as paid full. They would not have given me the {$2500.00} if I didn't pay them in full. It was a nightmare trying to get the money that was owed to me after pay off because they refused to give it to me and made up lies that I did not pay. So, when I finally got my check in XXXX, I was happy but now they are trying to say I still owe. Again, why pay me then? It shows on my bank statement and the image of the check from SST ( Systems and Svcs Tech Inc ) that {$2500.00} was paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2020-01-07
Company: EQUIFAX, INC.
State: MS
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:
XX/XX/2019 my identity was stolen. Someone went to a shady website online called XXXX XXXX XXXX, and submitted multiple attempts to obtain an auto loan in my name. I found this out initially when I started receiving emails from multiple local companies about attempted auto loans in my name. Most of them didn't affect my credit but one local company put a hard inquiry on my report. I went to the store in person, obtained proof of the attempt to obtain a loan in my name. This documentation they of course have on file. The company has yet to contact the credit bureaus to remove the inquiry and both Equifax   and XXXX will not remove the inquiry from my account despite attempts to dispute. They haven't asked for any documentation or inquired for further information. This ONE inquiry has substantially hindered my ability to improve my credit score. Please help! I am part of the Equifax data breach settlement which caused all of this in the first place. My credit accounts have had to be freezed indefinitely until my identity can be restored. Thank you for any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Reporting XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C..They have damaging my credibility and financial livelihood by furnishing false information to credit reporting agencies according to the FCRA they are required to furnish 100 % accurate information to credit reporting agencies concerning a consumer. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions. Because of the false information furnisher provided to credit reporting agencies have damage my credibility and financial livelihood.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In an attempt to clean up my credit report I reached out to the 3 credit reporting agencies XXXX, XXXX, and Transunion. I expressed to them that the accounts CITICARDS XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting information that isn't 100 % accurate and also are violating my consumer rights with multiple violations. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

I also came across the Ftc website more specifically the Gramm-leach-Bililey act and it states that 3 different disclosures needs to be given before my information is allowed to be sent to any public record, in which I never gave XXXX XXXX nor XXXXXXXX XXXX XXXX XXXX permission to do so. I expressed my concern to the reporting agencies as to look into the matter as it pertains to my name and affects my circumstances.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

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 2021-02-10
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My son, XXXX, purchased a vehicle through XXXX XXXX XXXX XXXX XXXX. I agreed to co-sign when the sales people at XXXX XXXX assured me that after 6 months my name would come off if he made his payments on time, which he did. He subsequently had an accident which totaled his vehicle. He had purchased GAP insurance through XXXX at the same time he purchased the vehicle, so when it was totaled he stopped making the payments and his GAP insurance paid off the balance of the loan. At the time he totaled the car, I believe he was late on his payment. XXXX is reporting that I was personally late on my son 's car payments. Had they notified me, I would have made the payment just as I had once before.. They will not correct the report to show that I was the co-signer, not the actual borrower. Experian only accepts their version. This is wrong! Can you help me?

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 2023-03-08
Company: EQUIFAX, INC.
State: MA
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 a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX year XXXX  and XXXX XXXXXXXX  account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it states, a consumer reporting agency CAN NOT FURNISH, an account without MY written instructions!

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 2021-02-02
Company: Experian Information Solutions Inc.
State: OH
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:
I have been unable to get into my Experian account for several months. This is critically important because I need to add a security freeze after someone fraudulently filed an unemployment comp claim using credentials exposed in a data breach. 

It appears that I set up an Experian account with them more than 5 years and before the days of two factor authentication. 

Since the account was set up, we moved and no longer have the land-line phone attached to my Experian account. 

I no longer have the password to my Experian account, but I can't recover it because Experian insists on sending a text code to the now disconnected land line. No alternatives for trying to recover the password online work. 

I've tried numerous times to get a way to recover the account, including calling them. The phone lines branch to directions to make the change on the website which, of course, only works if you can actually log in - which I can't.

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