BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$76.00} ; XXXX  XXXX XXXX Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I get my money through a bank called chime, the last few months I had to file dispute through them for unauthorized charges and they refused to refund my money plus had XXXX dollars in savings and it came up missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}, XXXXXXXX XXXX {$1600.00} Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called XXXX XXXX several times to tell them that I NEVER had an account with them. They insist that I did and refused to fix it so I paid this account in full even though I did not ever have an account or card with them ( I suspect its fraud ). It was such a low amount it was not worth hurting my credit when that is the ONLY derogatory thing on my credit. I asked what was the balance and she said {$270.00}. I then asked if it was a secured card like she originally told me that it was opened as a secured card with {$200.00} how could the balance be {$270.00} if the secured limit was only {$200.00}? She put me on hold and came back and said there were fees accrued that caused the extra amount and they could offer a settlement for less than the amount or I could pay it in full. After she explained what the consequences would be with the settlement, I opted to pay the amount in full. That was in XXXX of XXXX. Now it is XX/XX/XXXX and it STILL shows past due {$67.00} and delinquent. The information is erroneous, inaccurate and fraudulent. You can see the inconsistent information on the attached credit report. I This is unfair and unethical because it is not fair credit reporting. It says last activity in XXXX but last payment XX/XX/XXXX. That is inaccurate and must be removed as per 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 non-monetary relief
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: PA
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 is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
INQUIRIES NOT AUTHORIZEDXXXX XXXX XXXX -XX/XX/XXXXXXXX/XXXX XXXX -XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Unauthorized hard inquiries from XXXX and XXXX XXXX that Im unfamiliar with. 
Along with XXXX and XXXX running multiple hard inquiries Im not familiar with.

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 2021-11-18
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: Was not notified of investigation status or results

Complaint:
Hello I have requested the bureaus provide me with proof that these are mine because they are not and they have yet to respond so I am moving forward with filing a complaint with the CFPB and if I am still ignored I will pursue legal action. I was a victim of identity theft I filed a police report with XXXX XXXX police dept back in 2015 which I am requesting a copy of this report from the police station. These accounts, addresses and inquiries are NOT MINE.

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 2023-05-30
Company: Genesis FS Card Services, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for credit on XX/XX/2023 and was rejected because one of my credit reports was locked so they defaulted to a credit card company ( XXXX XXXX XXXX XXXX XXXX that charges an annual fee, but they did not tell me about the fee when I signed the credit application. I had to cancel the purchase due to medical reasons and when I did they made it sound like the credit account was also cancelled when I cancelled the purchase. That did not happen! 

Just recently I received a letter from the credit company stating there is a {$59.00} annual fee so I called the credit company and closed the account. 

XXXX & XXXX was not upfront about the annual fee. If they had been, I would not have signed the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: WI
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:
I have contacted Experian multiple times over the phone on a dispute to remove two address that are not mine over the month. Originally I was told I could not remove them due to the fact that there were tradelines attached to the addresses. I therefore took down the information and sent the following letters telling them to correct the address certified. I have called the last two day to let them know I have contacted them and that the addresses are not removed yet and it has been 30 days. Correct this and remove both addresses as I have taken the steps that were asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 made a purchase using my Capital One credit card ( card # XXXX ) on XX/XX/2021, for a handbag from XXXX XXXX online for {$870.00}. After received the product I did not like the quality of it therefore I decide to return it back to XXXX XXXX, I requested a return shipping label from XXXX XXXX  via email. I then followed the instruction packed the handbag and dropped it off at USPS on XX/XX/2021 to return the product back to ( XXXX  ), after patiently waited for over XXXX months ( XXXX  ) still have not refund me for the return. I reached out to ( XXXX  ) by phone for numerous of time for refund, I was promised for a refund each time when I called ( XXXX  ), but never receive any refund. I contacted Capital One on or around XX/XX/2021 for a dispute of the charge ( case # XXXX ), I have response to each of the dispute letter from the credit card company and provided all documents as needed. 
At the end the credit card company sent me a letter on XX/XX/2021 stayed that they are unable to help me due to lacks all the previously requested information, when I have provided all documents as requested. 
The return package was lost or stolen during the transit, I told Capital One that XXXX XXXX should file a claim with USPS through insurance. Since the return shipping label was not pay by me and I have no right to claim insurance, it is out of my hand. 
I have followed the return instruction from XXXX XXXX  thoroughly, provided all documents, but it was ruled out in the merchants favor and consider the case closed. I believe I should not be responsible for the lost or stolen of the return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: GLOBAL CREDIT UNION
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 I applied for an auto loan and it was authorized. Come time for the first payment on XX/XX/2023, I set up monthly auto payments over the over the phone with a employee of the company " Global Federal Credit Union. They informed me that the auto payment will take one month to process, however I can make my first payment online, which I set up. They told me that I was not going to be able to set up automatic payments online. I was charged twice the second month in XXXX. 

I called them requesting that they correct the issue, which is where they informed me that their automatic payment system is through two entities. I continuously made phone calls to get the double payment corrected, and they ended up correcting it by cancelling both payments leaving me behind one month. When I called another agent to inform them of the error I saw, they informed me that it was nothing and they didn't appear to recognize any issue. Come later I was contacted by another agent stating that I was behind on month 's payment.

I walked into a Global Federal Credit Union and they had a few forms to complete and they completed an autopay enrollment in person with me. To the day of this report on XX/XX/XXXX. I have not seen the money " XXXX '' withdrawn from my account. This appears to be headed down the same pattern of them failing to properly set up the autopayments. 

For a consumer this is stressful and puts my credit at risk while I'm working off the grid for 2 weeks on/off in rural Alaska in a place where I don't have great access to internet. This company " Global CU 's '' poor management and training of their employees after the merge with Alaska USA has caused a giant flaw in their autopayment system. It's likely illegal that they charged my account without authorization and their lack of proper payment processing puts me at substantial risk of damage to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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 u.s.c. 1681 XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXt # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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. 1681 section 602 A. States I have the right to privacy.

15 u.s.c. 1681 c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information. Other than records of convictions of crimes which on dates 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called XXXX XXXX several times to tell them that I NEVER had an account with them. They insist that I did and refused to fix it so I paid this account in full even though I did not ever have an account or card with them ( I suspect its fraud ). It was such a low amount it was not worth hurting my credit when that is the ONLY derogatory thing on my credit. I asked what was the balance and she said {$270.00}. I then asked if it was a secured card like she originally told me that it was opened as a secured card with {$200.00} how could the balance be {$270.00} if the secured limit was only {$200.00}? She put me on hold and came back and said there were fees accrued that caused the extra amount and they could offer a settlement for less than the amount or I could pay it in full. After she explained what the consequences would be with the settlement, I opted to pay the amount in full. That was in XXXX of XXXX. Now it is XX/XX/XXXX and it STILL shows past due {$67.00} and delinquent. The information is erroneous, inaccurate and fraudulent. You can see the inconsistent information on the attached credit report. I This is unfair and unethical because it is not fair credit reporting. It says last activity in XXXX but last payment XX/XX/XXXX. That is inaccurate and must be removed as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Rossi Law Offices, Ltd
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a letter from Rossi Law Offices , LTD from XXXX RI dated XX/XX/XXXX. The letter stated that I owed a debt of {$830.00} for a XXXX XXXX XXXX XXXX on my vehicle from XX/XX/XXXX. I have never received correspondence regarding this excise tax in the past and the car they are referencing was sold in early XX/XX/XXXX in the state of Florida under the dealership XXXX XXXX XXXX. I did have forwarding mail and never received any notification of this. The letter stated I had 30 days to respond to the correspondence to inquire more information. As I returned to my home today I received a 2nd correspondence letter date XX/XX/XXXX ( dated incorrectly or fraudulently ) stating that I have not yet responded to the letter from XX/XX/XXXX for the amount of {$830.00} ( different from the original amount stated ).  The letter claimed " we do not understand why you would not want to pay this account. '' This is clearly not a reputable law office, as dates and claimed amounts due have no proof of information provided by the town of XXXX XXXX or the State of Rhode Island, and additionally the language provided in the letter. The dates of the letters versus the verbiage and time of receipt clearly show that this is incorrect information. Should I have had an excise tax back in XXXX in regards to my vehicle I would have been glad to have rendered payment as it would have NOT been over {$800.00}. I have not yet contacted them as I would like to deal straight with the State of Rhode Island instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. Aidvantage is servicing for Dept. of Education in reference to school loans. 

2. To my knowledge the Dept. of Education is a federally funded entity and any obligations it issues are backed by full faith and credit and subject to automatic discharge. 

3. Aidvantage is continuing to report it as unpaid, and has not issued any cancellation of debt documentation in relation to this account in its relation to the Dept. of Education which is federally funded. 

4. Also their reporting of the transaction for this account is in direct conflict with the Family Educational Rights and Privacy Act ( FERPA ) which is a federal law that protects the privacy of student loan records. 

5. The FERPA applies to any public or private elementary, secondary, or post secondary school. 

6. Any and all security interest granted to Aidvantage is now revoked effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've sent a dispute of XXXX XXXX XXXX in XX/XX/. They never sent me any validation to this account, been way more than 45 days and still being furnished to my credit file. After disputed and cease of communication they can not contact me anyway which they furnish to my file. Furnishing incorrect information is against the law under 15 usc 1681. They must send me all verification and methods to this alleged account after requested. I am a human with rights that Congress gives to protect ourselves.

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 2021-11-16
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
Freedom Mortgage is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted Freedom Mortgage to correct this reporting with no resolve.

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 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I HAVE REACHED OUT TO THESE CREDITORS MULTIPLE TIMES TO RESOLVE THE REPORTING ISSUES. THEY HAVE FAILED TO REMOVE ALL THE NEGATIVE INFORMATION FROM ALL OF MY REPORTS. WHICH I THOUGHT WAS A FCRA VIOLATION.

Company response to consumer: Closed with explanation