BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with Equifax, XXXX  and XXXX. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I previously filed a complaint against this company. I had a XXXX Credit Card. I decided to close it and pay it off. I am in the process of paying it off but I noticed that it was not decreasing much. They are charging me an extra {$10.00} for monthly maintenance fee even though I have closed the account. I finally paid this company down to {$77.00} dollars I called tried to pay it in full last week, but was not able to get on the internet. I called them and was told that I did not have access to the website because I closed my account. Of course this was a lie, I previously was able to access it. I talked to the rep and told him that I wanted to pay this account of because I did not want them to add the {$10.00} he stated no problem call back and I will wave the charge. Of course I called back today and the rep refused to wave it and refused to put the supervisor on the telephone. I have paid this card despite the fact that the frequently asked questions state, " The monthly Program charge is billed to your account and will be shown on your monthly billing statement. The charge is based on your outstanding balance multiplied by {$.00} per {$100.00} of outstanding balance. They are thieves. They have been charging me {$10.00} a month when they should not have been.

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 2021-10-28
Company: ACIMA CREDIT, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A purchase was made from a furniture store called XXXX XXXX XXXX  on or around XX/XX/XXXX of 2021 the amount approved for financing was {$3300.00} after a down payment of {$55.00} I picked up furniture the next day at which time the company sent me a text message on XX/XX/2021 stating that the payment per month would be {$640.00} plus taxes after adding this monthly payment amount up I determined that I would pay double the amount financed so I contacted Acima credit to return the merchandise they in turn had there resolutions department email stating that they could not take merchandise back but suggested several options 1. A reduced payments of {$690.00} starting XX/XX/2021 thru XX/XX/2021 or to donate the merchandise to a non-profit organization ( the non-profit organizations would not take mattresses due to covid and merchandise could not be split up ) so I took the option of the three payments the first payment was made on XX/XX/2021 when XX/XX/2021 came this amount had not been debited so around XX/XX/2021 I received an alert from my XXXX credit alert that Acima had reported the debt as thirty days late I then contacted the company at which time they stated the payment was not made and the attempted to debit my account I advised her that I lost 40 points from my credit score due to the inaccurate reporting of this action she stated that it was accurate I then stated to her that from XX/XX/XXXX to XX/XX/XXXX is not thirty days she then stated that someone would contact me from the resolutions department at which time they offered me the same payment options three payments of {$690.00} which would be 4 payments seeing that one payment had already been made or the option of donating it to a non-profit organization. Due to this company 's predatory lending practices and destroying of my credit has made my life very uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 WAS TOLD BY CAPITOL ONE REP TO APPLY FOR THE VENTURE CARD I ASKED HER TWICE IF IT WAS A HARD PULL OR SOFT PULL SHE SOFT, WELL IT WAS NOT ... ... ..I WAS THIS REMOVED, FROM MY CREDIT REPORT ... ... ... ... ... ... THAT REALLY MAKES MY CREDIT SCORE SUFFER WRONG INFO GIVEN TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I mailed in IRS forms XXXX, XXXX, and XXXX to GM Financial to discharge the debt of my 2018 XXXX XXXX on XX/XX/XXXX. I never recieved a title and called them to find out why. An agent said on XX/XX/XXXX that they had not recieved the forms so I emailed them. On XX/XX/XXXX I checked to see if the forms were recieved and an agent said yes they had them and my title would be in the mail that day. I should recieve the title in 10 to 15 business days. I called again on XX/XX/XXXX and an agent said that I still owed and she was not familiar with the forms. I asked if she could fiward the forms to their legal department and she said she walked them over there personally. After this call I continued to recieve calls for payment and I asked another agent if their legal department had a response for the forms sent in. The agent said that there was no legal department. And then another agent said that there was. So since I got the run around I said I would cease payments until I heard from the legal department about the documents sent in to discharge the debt. I also informed the agent that I would pay if my car ended up on the repossession list to avoid repossession and I was told that I was not on the list. Well, my car was repossessed on XX/XX/XXXX. On XX/XX/XXXX I called off work and found out everything that needed to be done to retrieve my car. I informed them of not being able to miss more than two days from work due to being on probation. And that I would need a third party to pick it up because I work way north and the car is way south. They told me what I needed to do to get the third party approved and they said I had to sign another letter stating I did not have legal representation to get my car released. I did these things and once they were done they said I could be the only person to pick up the car and I was forced to write another letter saying that I am obligated to pay this debt according to the contract and will pay it. I had to sign and date it or else the car would not be released. I feel like I just got extorted to pay a debt that was legally discharged before I signed and dated a paper that makes me responsible for a debt already discharged. I could not pay to release my car until this was done. So I did it and paid Friday XX/XX/XXXX. I scheduled an appointment to pick up the car Monday XX/XX/XXXX at XXXX and it was cancelled due to the release papers not being sent to them in a timely fashion. Today Monday XX/XX/XXXX I was informed by loss prevention that the release papers were just sent in this morning. Now I am forced to pick up my car tomorrow at XXXX and jeopardizing my job because I have to take off again to go get it. Even though I sent in everything they asked for to have a third party do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my 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 2023-10-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My truck was stolen from in front of my house and all my things were in it phone, debit cards, credit cards, license etc. I was calling to close all my accounts and cards and noticed my Chase bank account had been compromised and someone was filtered out my money from Chase to my XXXX. All I can guess is that it's the bank debit card they had to get my money, since I have no debit card to my Chase account because they never sent it. I called disputes at Chase, told them what happened and seen on the federal commissar site to tell them it was reg-e dispute. They literally laughed at me and hung up. That was on XX/XX/XXXX and I have since had this claim denied three times with prove to them that everything I said was true. They also denied every claim after this as well. On XX/XX/1929, XXXX I had attempted to use the virtual atm and the only way to transfer money even to ATM is through XXXX. Somehow these transfer were given to my account at XXXX, but then XXXX says they rejected them and gave them back to chase, but no money has ever been given back. But online on my statement it says rejected returned to XXXX. Not one bank in over 30 days has issued me a provisional credit. Chase gave me a provisional credit for the first set of XXXX  payments that were fraud for the XXXX, but then two days later they took it back. It over drafted my account by that much and by this point I had lost additional XXXX through return reject from XXXX and Chase. They are not willing to do anything but continue to deny my claim that I gave them all the paperwork, saying that it should have been put back into my account. While my account was over drafted, I also lost my paycheck ( majority of it ) through Chase to cover the XXXX they took back with no right to do so. I asked them for the investigation they did. They would not send it to me but said someone hit the button saying they were sure they wanted to send it so I was responsible. It did not matter to them, it my phone was not in my possession at this time. I called XXXX about the payments to find out where they were returned and rejected payments back to, but their answer was nothing and closed my account on their own. To this day, I have yet to recover any of my funds back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
I am submitting this CFPB Complaint to follow up CFPB Complaint as a follow up to the recent complaint I submitted demanding the immediate deletion of the fraudulent accounts and information the Credit Bureaus have been reporting. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. Please have the following items removed from my Credit file as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: National Healthcare Collections, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have my bank account statements that this has been paid in full. The last bill after insurance was to pay was XXXX and that was paid in full on XXXX of XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: MS
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 do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. 

Please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges that I am unaware of. I have noticed that this company is also reporting inaccurate amounts to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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 understand Experian is not a bureau nor are they backed by any government agency. I am aware that Experian in fact consumer reporting agencies have assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances I am aware of pursuit to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As A Third party agency Experian must comply with my written instructions. I have given them my written consent to remove multiple fraudulent and misinformed XXXX from my consumer report! Experian has continued to update my report with no proof of proper verification. Also the accounts are exactly the same! I will be contacting the attorney general in regards to the matter as well. There is no way a proper investigation was done within a 5 day time period to receive these results!

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