BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute through the proper channel but with no satisfaction. Starting with certified mail : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau Equifax, XXXX, and XXXX didn't address the reinvestigation policy and laws. The stamp of approval for the reinvestigation was not on the conclusion. The stamp is XXXX ( automatic credit dispute verification ) meaning when you send a dispute to the credit bureau electronically XXXX will get the dispute and send it out to the creditors being disputed. XXXX also stamps the dispute to the creditor. In return they have to verify 100 % of all information is correct. Without this stamp from XXXX, this investigation is illegal. 
My next phase of action is Pre-litigation for all infractions on my credit report. I am looking for a lawyer who can take on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Reliant Capital Solutions, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from the phone number XXXX ( XXXX ) XXXX, or other variations of it. Not once have they left a voicemail. Without a voicemail explaining who they are and what they want, why would I call back? I have been scammed too many times. Sometimes they call 4-5 times a day. This happens at least every day, sometimes every other. They called me 10 times in the last week alone. Sometimes they call before XXXX XXXX, multiple times this past week they have called after XXXX. I spoke with them once, they told me they were Reliant Capitol Solutions and trying to settle student loan debt. They are not listed anywhere on my credit report. When I tried to work out a payment plan with them, they insisted that I had to pay {$1500.00} upfront before they would work out a monthly plan. They refused to work with me. If I can only afford {$50.00} a month, how can I just give them {$1500.00}? When speaking with them on the phone the first time, the man on the other line started questioning why I dont have {$1500.00} to give them. Dont I have parents, family or friends who can loan it to me? Dont I have a credit card? My mother is dead and my father lives 2000 miles away. They raised their voice and became aggressive with me. I have worked out payment plans with other agencies and never been treated this way. This leads me to believe it is a scam. I am more than willing to work out a plan and pay back what I owe, but I dont trust a number who continuously harassed me. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This must be removed from my credit report. I do not own such 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 non-monetary relief
Consumer complaint received 2019-10-09
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
submitted a complaint to reporting agency and spoke to the collections company. The verbal agreement when this debt was paid was to have it removed. It's shows on my report as paid when it shouldn't be there. 

You shouldn't be able to dangle a removal carrot once a debt has been paid. After making a agreement to remove 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 2019-01-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
inaccurate inforamation on 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 2018-07-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Chase Slate credit card. 

I was informed that as of XX/XX/18, my interest rate would increase from 11.49 to  16.74 %. Chase informed me that my purchases prior to that date were protected at the lower rate and that subsequent purchases would be at the higher rate. 

I understand that the CARD act requires payments to be applied to the minimum payment due, then excess funds to be applied to the HIGHEST interest rate balances first, then lower interest rates. In short, I have made purchases of approximately {$1700.00} and payments of {$3200.00} since XX/XX/18, however Chase continues to INCREASE my balance subject to the higher interest rate. They claim it is now over {$1300.00} as of the current statement. 

In late XXXX, I spoke with a manager that agreed that this was an issue with their system and my interest was refunded. He agreed that my balance subject to the higher interest rate should have been about {$800.00}. My minimum payment due was {$240.00}. I then made a {$1200.00} payment and received my next statement ( XX/XX/XXXX ) showing that my new balance at the higher interest rate was now over {$1300.00}. Clearly the application of funds is not occurring per the CARD act, or I've misunderstood the rules. 

On XX/XX/XXXX I spoke with another manager that refused to address any of these mathematical inconsistencies. He further stated that " your payments are to be split between your various interest rates, not just going to the higher rates first ''. This would directly contradict the CARD act and the agreement from the manager the month before ... and everything I've read. He was also unable to explain to me how each of the payments since XX/XX/XXXX were applied, he just kept repeating that " all payments have been applied properly ''. 

My intent was to pay off any new purchases, plus the minimum payment, plus several hundred dollars more each month - and my payments have reflected that AND MORE. However Chase continues to inexplicably grow my 16.74 % balance without explanation or recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: CITIBANK, N.A.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
As of XX/XX/2018, I opened one of my mail from Citibank dated XX/XX/XXXX. The letter states that they sent me a check on XX/XX/XXXX for {$140.00}, and if it isnt cashed by XXXX XX/XX/2018, they will stop the payment and I will no longer able to cash the check. I have two problems on this. First, I have not received any check. Second, I live in XXXX, Nebraska where the closest Citibank is 2 hours and 48 minutes. I'm a military guy and I did not choose to live here. So I called Citbank Customer Service XXXX. I asked if they could directly transfer the money to my checking account which is also under Citibank, and they said " no ''. I asked if they could make it a cashier check so I can cash it anywhere and they said " no ''. I requested if they could send it to my mom 's house in 48 hours, who lives next to a Citibank because I will be there for a week, but they said it will take 14 days for the check to come. I guess that was a " no '' too. I'll be back home in Nebraska on XX/XX/XXXX, and then they said " Okay call us when you get back and we will send the check ''. It will arive on XXXX XX/XX/2018 and I have less than 10 days to cash it out. I even asked if they can waive the expiration and extend it but they said " no ''. I asked for another representative but unfortunately he didn't provide me one. Why cant they just directly deposit it to my account? They owe the money to me, and why do I need to do extra steps or drive long hours just to acquire this cash? They are willing to charge me late fees if I am late on my payment. Why can't I charge these guys extra inconvenience fees? Nevertheless, I'm happy they are trying to give my money back, but I wish they make it easy for us to take it. Thanks for the help.

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 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME AND I AM REQUESTING IMMEDIATE REMOVAL OF THE ACCOUNTS FROM ALL THREE REPORTING CREDIT BUREAUS. THESE NEGATIVE UNAUTHORIZED ACCOUNTS HAVE TARNISHED MY NAME AND SSN AND I AM PLEADING FOR A REINVESTIGATION INTO EACH MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
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:
Tried several times to dispute several inaccurate and fraudulent accounts from America First Credit Union, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue. 

These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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:
In XXXX of XXXX, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

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 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
On XX/XX/2019, I instructed XXXX XXXX XXXX to pay the remaining settlement amount to Capital One Bank for account ending in XXXX. A total of {$1300.00} was paid to Capital One to settle this account as " PAID OFF ''. 

I have tried to get Capital One to update my credit report accordingly to reflect the account has been closed and paid off with a {$0.00} Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: LEXISNEXIS
State: AL
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:
I have called the courts in North Carolina and the law offices where the bankruptcy was started and they stated that this should not have been reported due to me never going thru with the bankruptcy. There is also an accident that is reported and I have had to call XXXX and have them to verify in writing that I was never in an accident. LexisNexis is reporting these things on my credit report and it is inaccurate. It has caused me to have a higher insurance rate. The bankruptcy has caused me not to be hired at a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: IN
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 am very concerned because my credit reports are showing discrepancies and misinformation as a consumer. The lack of due diligence the credit bureaus has made truly reflects incorrectly, not only has this been a defamation of character and livelihood but a major violation of consumer rights. 
I have sent all three credit bureaus a letter and they have not corresponded. 

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 that a consumer reporting agency can not furnish an 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 7 years.

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

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. I would like for all inaccurate information to be removed as this is in violation once remove Please provide with a updated credit report once information has been corrected. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses, email addresses, and telephone numbers to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: NJ
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:
someone opened a card in my name and been paying Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$390.00} {$390.00} {$390.00} No. of Months ( terms ) : 0 0 0 High Credit : {$530.00} {$530.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$400.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history

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 2020-12-08
Company: EQUIFAX, INC.
State: LA
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:
Over 30 Days today since Ive sent documentation on XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of Equifax Data Breach. I want all those account will be remove to my credit report or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company I’m talking about is XXXX. I don’t owe the amount they said I do it is not true and I need some one to help me with this problem the debt is coming from a  apartment complex  my route was only XXXX and I only missed two months which is XX/XX/XXXXand XX/XX/XXXX I was not living there I moved out  before XX/XX/XXXX.  The only reason why It got that high is because I had XXXX XXXX and was hospitalized so I could not work and I let them know what was going on to ask for hardship and they had no sympathy and I think they put the mount up very high just to destroy my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 I called CHASE/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) in attempt to negotiate in good faith a charge off account and was turned away in hopes that they receive a bigger pay-off. Please advocate on my behave that chase accept my of 12 % the balance payment as I have told them I 'm in financial distress. My name is XXXX XXXX and the account number referenced is # XXXX Thank you ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I mailed a dispute letter to Experian challenging 4 items on my credit report, requesting proof. 

( for check of and PROOF of lawful COMPLIANCE to every and all reporting regula-tions, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and ir-refutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. ) According to the tracking information ( Tracking Number:XXXX ) Experian received my dispute results on XX/XX/XXXX. On XX/XX/XXXX I received a response from Experian declining to my request for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is now XX/XX/XXXX and they have yet to abide by my request in which they are legally entitled to according to the FCRA.

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