BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
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 reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been continually getting emails from a XXXX saying they are collecting on behalf of XXXX XXXX. XXXX got they are suing me that the sheriff will be coming to my job and picking me up. I have a total of 4 emails and none of them list a name of agency but all say they represent XXXX XXXX. On my credit report I have a XXXX XXXX   listed and I have never received any notice from them at all. Never even a phone which is required before its added to my credit report and nothing! All emails act as if these are legal notices with case numbers and even docket number as if filed with courts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A COLLECTIONS ON MY CREDIT REPORT THATS NOT MINE THE COMPANY HAS DECIDED TO Ceasing debt collection, telephone calls or other company-to-consumer contacts. XXXXXXXX XXXX WILL NO LONGER TRY TO COLLECT THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone stole my purse and opened fraudulent accounts in my name with out authorization.

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 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: TN
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 have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items 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 2021-07-06
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On or about XX/XX/2021 my AMEX card was charged a XXXX vehicle transfer fee by XXXX after I tried several time to cancel/withdraw based on the condition of the vehicle. I was told that the car was in pristine condition with no mechanical or cosmetic issues. I requested pictures of any damage no matter how minor. I was told I wold not receive any photos because there was no cosmetic damage. the XXXX representative stated there were no digs, scratches or imperfections. Upon inspection of the car there was obvious paint work and the effort to cover up previous damage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, On XXXX of XXXX my wife and I contacted the actual company to see if we owed anything and if there was an amount left we were going to get on a payment plan. When calling XXXX and XXXX PA, they said they could not find an account under my name or social security number. It was like I never existed. The attorney I had once worked with in that firm, I was told, no longer works for them anymore. So we asked to be connected to the their collections department even though they were not showing to have an account with them or in collections. When speaking with their collections department ( Transworld Systems ), the same thing took place. They could not find anything anywhere under my name or social security number. So we said everything must be all clear because they were unable to validate it anywhere. Months later in XXXX my wife receives a call from Transworld Systems Inc. that there is a balance of over {$4200.00}. We were so confused because we tried so hard to make sure nothing would end up in collection to harm our credit. That is exactly what happened anyways. This has been haunting my credit ever since and my wife and I are trying to use my VA loan to get a home. I am working with someone in credit repair and I am trying really hard to have this taken off my credit report. The current amount that is showing, that I am aware of, is {$4000.00}. I talked to numerous people at XXXX XXXX XXXX, XXXX and there was nothing that I owed. Covered myself and even called collections to make sure I had nothing, and they had no account for me ... .I do not owe this debt and they can not validate that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: DISCOVER BANK
State: NY
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:
DISCOVERBANK XXXXI requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Tower Loan of Mississippi, Inc.
State: LA
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/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by Tower Loan on XX/XX/XXXX and I have in no way cooperated in any business with Tower Loan LLC.

I contacted Tower Loan LLC, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. As my account wit this company has been closed since XXXX and is listed as follows Remarks : >UNPAID BALANCE CHARGED OFF< Estimated month and year that this item will be removed : XX/XX/XXXX TOWER LOAN XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : 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 explanation
Consumer complaint received 2020-07-29
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Law Offices of Emmett L. Goodman , Jr. , LLC in reference to a debt that I do not owe. I have never entered into any financial or contractual agreement with the aforementioned firm to secure credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: DISCOVER BANK
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I use auto-pay to make monthly payments to my student loan in the amount of {$860.00} on the XXXX day of each month. The only way to update the funding source ( bank account ) for the automatic payments is to call and have it updated. My wife called at XXXX PST on XX/XX/XXXX to update the bank account information and received confirmation from the agent that the update was made and the next automatic payment would be taken from the updated bank account. It came time for the automatic payment to be withdrawn on XX/XX/XXXX and it came out of the old account that was no longer in use resulting in a {$37.00} overdraft fee. 

My wife called the loan servicer just before XXXX PST on XX/XX/XXXX to find out why the payment wasn't taken out of the new account which had been updated 3 weeks ago. She spent nearly an hour on the phone and got nothing but scripted replies and " I don't know '' regarding why the payment wasn't taken out of the new account. She asked that they credit back the {$37.00} overdraft fee which they caused and was told it wasn't a possibility and wouldn't be done. She asked several times to be transferred and was put on hold over and over again before finally being transferred. The woman she was transferred to offered to credit the fee back but she first had to listen to the call recording from XX/XX/XXXX and then she would call back within 20 minutes. Surprise, surprise, no call back within 20 minutes. 

She was told that it was possible the bank account information wasn't updated because it was later determined it may not have been an authorized change since she was not an authorized third party on the account. This was NEVER communicated in any way nor was it ever mentioned on the call on XX/XX/XXXX. If this were the case, the agent should have never took any information or provided confirmation that the account information had been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine, never consented to any involvement with Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Experian Information Solutions Inc.
State: MO
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 disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/2017 and XX/XX/2017, then after the disputes it will say 30 day late XX/XX/2017 XX/XX/2017, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.

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 2018-05-14
Company: AFNI INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I discovered that this account was being reported on my credit reports. I notified the credit bureaus that I had no knowledge of this account as it did not belong to me. The bureaus responded that this account was verified. However, upon request to provide physical proof how account was verified I have received no response as of date. Direct request to validate the debt was also mailed certified mail on XX/XX/2018, as of date the company has failed to respond to my request to validate debt and continues to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am filing this dispute because XXXX XXXX  reported I missed XX/XX/2022 payment when in fact I made the payment on XX/XX/2022 and funds were available. XXXXXXXX XXXX XXXX advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX customer service advised me to contact a local Branch Manager to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX. XXXX XXXX ( Branch Mgr ) provided XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Account status incorrect

Complaint:
I am filing this dispute because XXXX XXXX reported I missed XX/XX/2022 payment when in fact I made the payment on XX/XX/2022 and funds were available. XXXX XXXX XXXX advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX XXXXustomer service advised me to contact a local Branch Manager to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXX Bank XXXX XXXX XXXX in XXXX, Texas for XX/XX/2022 with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX. XXXX XXXX ( Branch Mgr ) provided XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: MI
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:
I want my credit report updated and the harrassment from collectors to stop. 
I got free legal help from my community action center ... filed bankruptcy chapter XXXX. I'm XXXX on Social Security and tired of being bullied. I called all 3 credit bureaus, and each of them have the rudest, clueless representatives. 
My discharge date was XX/XX/2018 and I was informed by the court that I would no longer be harrassed and my creditors would have no recourse, credit report updated. Etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
I am a victim of Identity Theft and I have reached out to these companies stating that this is not my unknown fraudulent inaccurate accounts and addresses. There is so many violations on my consumer report including collection/charged off accounts that are not mine but still listed as open on my credit report. Account types are not listed, last date active is inaccurately dated for a post date. These accounts inaccurately and fraudulant contain information under the Bankruptcy Act. Because these companies have violated me i have expeirenced traumatize mental and financial.

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 2023-03-04
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Information belongs to someone else

Complaint:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have made a transaction using Chase quickpay. I sent money and turns out that was a fraudulent account. Chase advertises their quickpay option as a safe and protected way to send money, but I contacted them and they told me they can't do anything to get my money back. I wanted to cancel the transaction and they would not let me even though it still says " pending. '' Please do not advertise or work with a money transferring company if you do not protect users from scam. I found out that the person I sent money to was an identity thief and Chase won't even protect their customers from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.

Company response to consumer: Closed with explanation