BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recieve quarterly credit updates for all three bureaus through a credit monitoring service. To date, the negative information placed by XXXX has been recently removed/aged off on both my XXXX   and XXXX reports. Upon noticing that Equifax was still reporting it and affecting my credit score, I went on their website to dispute the account still appearing. While reviewing what was listed, I noticed many discrepancies. First, Equifax was showing a " monthly payment '' for months when the account was already in a " chargeoff '' status. More importantly, they are reflecting a 1st delinquency date of XX/XX/XXXX which is inaccurate. That is when it was placed as a charge off, but the 1st delinquency date was after the last payment was made in XX/XX/XXXX. My credit monitoring report from XXXX shows the 1st delinquency as XX/XX/XXXX which is 60 days after the last payment was made. When I called them today, the representative stated they will reach out to XXXX and I need to wait 30 days. She told me I will have to wait until XX/XX/XXXX. This is not an XXXX issue, but an Equifax issue. They are reporting false information and are refusing to follow the law and remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: JPMORGAN CHASE & CO.
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:
I disputed a {$500.00} charge on my Chase credit card by XXXX XXXX ( XXXX XXXX of XXXX XXXX ), an attorney in XXXX XXXX, CA, for legal services she did not provide. I retained her on XX/XX/2017 to evict a tenant who was not paying rent. Chase dismissed my protest and upheld their decision upon appeal. 

Ms. XXXX alleges that she filed an eviction complaint with the court on my behalf but she would not provide me with a copy of the complaint, despite repeated requests, nor was the complaint reflected in the court 's online system. Accordingly, after giving her proper notice, I terminated our agreement on XX/XX/2017 and asked that she return the {$500.00} fee. She refused to do so. 

I filed a complaint with the State Bar of California ( attached ) and they ruled in my favor and issued a warning notice to Ms. XXXX. 

Chase refused to accept these facts and simply stated that Ms. XXXX did, in fact, file the eviction complaint and thus my dispute is not valid. 

Chase misses the point. Because Ms. XXXX was unwilling to provide a copy of the complaint, I terminated our agreement and thus lost valuable time in the eviction process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: HI
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list  that clearly indicate that am not on the list and is an error.
XXXX stated on my credit report that I have an individual tax lien which was reported filedXX/XX/XXXXan amount of {$1000.00} and another one onXX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call our office multiple times a week- they hang up on us when we answer- even on weekends. We have called them back and asked them to stop calling- they claim that we are not on their call list, but yet they continue to call. This is our second complaint to cfpb about these people. ( XXXX ) It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Webcollex, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CKS reponsded to a complaint by stating the following : Company 's Response Thank you for the recent notification of the complaint filed by XXXX XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Upon notice of the complaint, a member of our Compliance Team conducted an investigation into the allegations. The result of that investigation and our response follows. We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. For concerns regarding how it is being reported to the Credit Bureaus we suggest XXXX XXXX XXXX to contact CKS Prime XXXX, XXXX directly. We invite XXXX XXXX XXXX to contact a member of our Compliance Team, if there are any questions. A member of our Compliance Team is available Monday through Friday from XXXX XXXX  to XXXX XXXX Eastern Standard time and can be reached directly at XXXX or at XXXX Now in the XXXX ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS Financial is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX  is showing its late 120 days with a balance in collection. The reporting again is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted a request to have multiple inquires that I did not give authorization or have any knowledge of to be removed from my credit report. 
I am told that they are a statement of fact thus they will not remove them. I have provided documents stating that they are not facts or accurate and asked for they removal without success. 
The following inquires are inaccurate and without my consent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Paid {$160.00} for auto insurance on XX/XX/2023 and cancelled on XX/XX/2023. Was initially told that Id get a prorated refund for days paid for and not used ( XXXX XXXX ). 

I was later told that a credit of {$38.00} was applied to my homeowners insurance policy ; so no refund ; much less than Im owed and instead of refunding me its applied elsewhere without my consent. I was never asked how I wanted the refund.

That amount isnt the prorated amount after only using 4 of the 31 days paid for in May.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: EQUIFAX, 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:
XXXX XXXX  XXXX {$75.00} and {$82.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditor Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation Remove immediately as other 2 bureaus have, against F.C.R.A. law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XXXX  year ; XXXX   year ; XXXX year ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

4. Delete this account, because it shows XXXX XXXX {$17000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and Transunion are refusing to remove a collection that's reporting on my credit report. I have no relationship with XXXX XXXX XXXX and the balance was paid with the original creditor, hence why the account reports a XXXX balance, so I am confused as to why they are still reporting this account. I have sent all 3 credit reporting agencies proof and XXXX is the only credit bureau that removed the account. I do not believe that XXXX or Transunion conducted an investigation into the inaccuracy of this account therefore I am reporting this to the CFPB, XXXX, and the attorney general. Transunion also reports that no payments have been made on the account when the account has no balance. Please tell me how this meets FCRA guidelines? I am requesting that XXXX and Transunion follow suit and remove this account from my credit report, or I will be seeking compensation per violation. Please see attached 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX XXXX : {$260000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  Has violated my rights.

15 U.S.C. 1681 section 602A 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO 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 2019-03-11
Company: Financial Business and Consumer Solutions.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After multiple request of complete validation sent by certified mail to multiple companys that claim i own this bogus debt no proof ever has bin provided of any kind after 15 years.Thers nothing out there and i want them to stop harrasing me or a lawsuit will follow.I will fight this till the end of my days.Again thers nothing out there. 
A complaint was filled before with a previous company called XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX. 
CFPB # XXXX on date XX/XX/17 Than it was sold to XXXX XXXX , LP file # XXXX again no proof of any kind. 
Again sold to another BOGUS company FBCS , INC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX trying to collect on this bogus debt and i file a complaint to this company .I want all this nonsence to complete stop. 
They all trying to collect in behave of XXXX XXXX XXXX. with no proof ever provided requisted by me by certified mail ( have the proof ) isnt that illegal? 
Orignal Creditor XXXX XXXX XXXX XXXX XXXX file # XXXX Amount they claim i owe {$1700.00} My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX tel # XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Caprio XXXX  in reference to this medical debt that another collection company tried to report on my credit. I expressed to them that this was not my debt and if it was they have violated HIPPA because they never sent me a bill with my signature on it.

They have removed the {$150.00} charge from my XXXX on XXXX but still have the other charge of {$830.00} on my XXXX  and XXXX. 
The {$150.00} charge is also on my XXXX. 

I asked them to remove it or send me proof that it belongs to me and that I gave written permission fir them to contact me. 
They have violated my rights as a consumer and therefore Im asking all collections be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
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 fraud alerts or security freezes

Complaint:
I attempted to place a Credit Freeze with XXXX this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by XXXX. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be FREE as half of the tax-paying citizens private credit files of the USA were breached? I also thought this service was free to victims of identity theft?
After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed?
This breach is an insult to the hard working citizens of the USA and a profit center for the other two credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their three executives who excersized sizable stock options knowingly ).
My hope is that the CFPB takes a strong punitive stance on this issue.

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 2022-11-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 2 FTC reports with inquiries I did not authorize and they need to be deleted

Company response to consumer: Closed with explanation