BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Open Dealer Exchange, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquiries on my credit report from car dealerships from different financial institutions such as XXXX XXXX XXXX XXXX  and hard inquiries that I did not authorize and are unfamiliar with. I have been receiving harassment calls from different third party debt collectors that I have never signed any contracts with and have completed a detail summary to the police station in regards to my identity being compromised through XXXX and XXXX. I would like all inquiries to be removed from my credit report immediately as this has caused me significantly alot of damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: ENOVA INTERNATIONAL, INC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
ON XXXX XXXX, XXXX, I CONTACTED CASH NET USA VIA EMAIL CONTACT. MY STATEMENT/QUESTION TO THEM WAS AS FOLLOWS : " WHY DO I KEEP/CONTINUE TO RECEIVE LOAN PRE-APPROVED OFFERS VIA MAIL? I CURRENTLY HAVE A PAST DUE LOAN. I AM EXPERIENCING FINANCIAL HARDSHIP AND DO NOT KNOW WHEN I WILL BE ABLE TO REPAY THIS LOAN. I DID NOT REALIZE AT THE TIME OF APPLYING THAT THE RATES WERE SO EXTREMELY HIGH! I AM ALMOST PAYING DOLLAR FOR DOLLAR FOR THE AMOUNT I RECEIVED. IF I DO NOT QUALIFY FOR ANY ADDITIONAL OFFERS, PLEASE STOP SENDING OFFERS TO ME. PLEASE REMOVE MY NAME OFF OF THE MAILING MARKETING LIST. THANK YOU KINDLY. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After several written attempts to each credit bureau, I have not succeeded in getting my credit report accurate. Lately, I wrote in and called each credit bureau to dispute XXXX XXXX  accounts on my credit report. XXXX XXXX  continues to report balance and past due payments on my credit years after the account was sold to collections. Currently, after my last report, XXXX XXXX removed one of the accounts but not the others. XXXX and Equifax claimed to investigate and find the information to be correct. I have asked how the collections and the original account show past-due months or late payments and a balance. That is absolutely unfair. Once the original debt was sold, the account should be marked as closed with a XXXX balance, and the account should have a statement that the account was sold to collections. 

I should not have to continue to write in, call, etc. I have been affected by this for too many years after the fact and almost a year of continual disputes being sent to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Grain Technology, 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: Account information incorrect

Complaint:
TO WHOM, IT MAY CONCERN, I HAD A BALANCE OF {$400.00} WITH GRAIN TECHNOLOGY, LOCATED AT :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PAID THE ENTIRE BALANCE OF {$400.00}. MY BALANCE IS NOW {$0.00}. I'VE ASKED THE COMPANY MANY TIMES TO UPDATE THE BALANCE TO {$0.00}. THIS IS DOING MORE DAMAGE TO MY CREDIT WITH THIS COMPANY REPORTING AN INACCURATE BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed a dispute on XX/XX/2022 with XXXX XXXX and XXXX, Transunion, and XXXX. However, the credit bureaus said the completed investigation and everything was 100 % accurate. 

According to the law 15 USC 1681a-Definitions : rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talke to? 

How did they complete this investigation? 

How and who they verified this information with? 

I also had this bankruptcy removed from my XXXX XXXX file and have attached the letter stating so. I also submitted this with my previous complaint and XXXX is stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This tells me that they did not investigate and the fact that I sent them a letter stating that it was removed and you are still reporting as accurate tells me they are blatantly breaking the law and violating my rights. My report is not 100 % accurate and they are reporting inaccurate information on my report. I have tried to have this corrected with them multiple times and I don't feel they have any integrity and the other agencies have not even sent me a response and it has been well over 30 days for all three. 


I have also received a letter from

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 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Someone please help me! 
I can't use 1 dollar on my credit card without credit bureau taking 11 points from me! When call credit bureau and XXXX XXXX they both point the finger at each other. 
This had been an issue ever since using XXXX XXXX and there suggested credit cards for 2 years or better. My first credit card was a suggestion from XXXX XXXX and it was a 300 dollar limit with good credit. Before my 25 dollar payment was due, XXXX  XXXX reported to both XXXX  and transunion and they took XXXX points. They said because I used to much of the balance, utilization? I get it now. XXXX XXXX offers me another card from XXXX  XXXX to bring my limit up so I can use more then just 10 % of 300 limit, I do it, just for opening the card they took 97 point. I used that card to get gas and stayed way under utilization and they took 11 points today and said it was for hard inquiry? They already ding me for the hard inquiry 2 months ago for that card. I loose sleep over this because iv turned my life around and have worked so hard to have good credit and I had good credit before I got involved with XXXX XXXX and the partners. This can't be the way it works now? Everyone iv talked to says they have never herd of such things? I have every screen shot and every email. 
They have took literally over 200 points from me for no reason! My XXXX from XXXX  is score is XXXX! That should tell someone, something! Also been trying to close my XXXX  XXXX  account and they will not do it! I have every email from them as well. There is no contact number and all done by email. They give me a case number and ask if they can proceed and I respond evertime, yes and that's the last I hear from them. Screenshots of that as well. So not only have they ruined my credit, I can't get away from them! It's like a crazy ex girl friend! No joke! I hope this email finds someone that will fight for me. Also XXXX XXXX keeps telling me I have a saving account with them when I don't, never had.

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 2021-09-25
Company: EQUIFAX, INC.
State: AZ
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 had my purse stolen one night at a house party with friends and now i wanted to start build my credit up and i go to check my credit and i see all this mess i never in life thought this would happen to me im so mad right now and im not paying debt that i didnt do so i did research what i can do and now im here inquriy below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account below XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX Account {$54.00} XXXX XXXX XXXX Account {$170.00} XXXX XXXX XXXX  Account {$110.00} XXXX & XXXX Account {$89.00} XXXX XXXX XXXX Account {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute and register a complaint concerning the recent appearance of new late open accounts on my credit report, as well as the reporting of my XXXX XXXX account as charge off account. These issues are adversely affecting my credit profile and merit immediate attention. I have attached a copy of my credit report for your reference. I have identified new late open accounts on my credit report, which I believe are inaccurately reported. Additionally, I would like to address concerns regarding the reporting of my XXXX XXXX account. It is crucial that my credit report accurately reflects my financial history, and I am deeply troubled by these discrepancies. Please investigate the legitimacy and accuracy of these late open accounts, as they do not align with my financial activities. I request that any inaccuracies be corrected promptly. I believe there may be inaccuracies in the reporting of my XXXX XXXX account. It is essential that the information reported accurately reflects my account status and payment history. I kindly request that you initiate a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1.Verify the accuracy and legitimacy of the new late open accounts and rectify any errors. 
2.Review the reporting of my XXXX XXXX account to ensure it aligns with my actual payment history and account status. 
I also request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. These are the following accounts needs to be corrected : XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Capital One Venture X card was closed overnight without explanation. I noticed when logging into Capital One that it said This account is Restricted. I called Capital One and they told me my account is in the process of being permanently closed. They refused to provide any information. I have not done anything to violate Capital One policy. They said a letter will be sent to the address on file, but Im not in the United States and therefore can not receive this letter. I was informed my {$390.00} annual fee will be refunded since it has not been 39 days since the fee was charged to my account ( XX/XX/XXXX ), but I did not receive my anniversary XXXX points, I have unused travel credit on capital one travel, and they informed me that they have redeemed my points for XXXX % of the value as statement credit, which I did not agree to. They couldve redeemed as cash back for travel purchases at a minimum since I have plenty of eligible travel purchases. I did some research and can see that this is not an isolated incident. Hundreds if not thousands of people have been the victim of capital one closing their cards without explanation, often just after the card anniversary and payment of annual fee. Before I get emotional and file a claim/arbitration or contact an attorney or investigative news outlet, I want a chance to speak with a member of the executive office of Capital One to confirm if this is a mistake and if my account can be reinstated and if all of the financial damage can be prevented. I find it beyond unreasonable that a credit card company would close a customers account overnight without any notice. I have never made a late payment and have never violated capital one policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3300.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$3100.00} XXXX XXXX {$1400.00} XXXX {$530.00} XXXX XXXX {$15.00} XXXX  XXXX {$22.00} XXXX XXXX {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$230.00} ( Original XXXX XXXX XXXX XXXX ) XXXX {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
At credit care/ synchrony bank are saying I never payed off my credit card in which I did there adding additional fee of XXXX when the amount was XXXX And I happen to give them XXXX and XXXX also XXXX because I thought payment didnt go through and from there bank it maxed to XXXX saying I didnt owe anything but it then had error in there system saying I owe. I do not owe this company I completely paid them off and they took my money and over payed it they gave me XXXX back which I will never understand as of why cause they owe me more then that.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: MD
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:
Due to XXXX I obtained copies of my credit report and noticed several inaccuracies on 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 2022-09-08
Company: FIRST PORTFOLIO SERVICING INC
State: GA
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:
Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A. 
1.The Truth in Lending Act is intended to inform consumers about the cost of credit. 
2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

3.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt.

4.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt.

5.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any.

6.The Truth in Lending Act is intended to inform consumers about the cost of credit.

7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

8.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

9.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt.

10.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Asset Recovery Inc
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had paid off my last debt in collections around {$640.00}. I have been trying to get the debt off my report. I have disputed it 3 times, and it wont come off. Called XXXX  and they were no help getting it off. The debt agency was called Asset Recovery Inc. However, they permanently close. The debt has been paid to XXXX XXXX XXXX in full. But since Asset Recovery Inc closed down permanently, they can't take off the debt from report since they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: J & B Endeavors, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was contacted by phone by a company by the name of Student Loan Movement. 
I spoke with a person by the name of XXXX XXXX. This service was to consolidate both of my student loans with XXXX and with XXXX. I provided him with my employment pay stubs and my banking information. The net two weeks after, XXXX contacted me letting me know that my student loan amount was due soon. I explained to them that I was paying my money to this company and it was going to be coming out of my bank. And XXXX or XXXX have never heard of this company before. Neither has the US Department of Education ever heard of them. When I called the company back in which I XXXX them and got the number. I never was connected with XXXX XXXX but I did speak to a lady name XXXX XXXX. And she told me that they deal with XXXX all the time. The email me an agreement in which I signed electronically and they already started to take the money out of my account starting Monday XX/XX/2019. I also, spoke to a XXXX XXXX at this company and he told me they are legimate but yet he ask me for my pay stubs a second time. I have a Client ID : XXXX. Please HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax Inc. was hacked and my personal information, including my SSN, was compromised. I am open to social security and identity fraud. I now will have to actively monitor my credit report for decades now.

Company response to consumer: Closed with explanation