BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-06-05
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$83.00} ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: VA
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:
Since XX/XX/2020, I've been mailing a personal statement to Experian at the address on their investigation report as required and ensured that my statement was under 200 characters. Every time, I mail in a consumer statement they do not add the statement to my credit report they simply reinvestigate the item and arrive at the same results. Today, I called into Experian and was finally able to speak to a representative who transferred me to another representative who said she had to " type '' my customer statement for me. She then stated that she couldn't say " type '' what I wanted on my statement. As this is my statement and it didn't contain any PII she should have typed my statement as I read it and applied it to my credit report. I should actually be able to add my OWN personal statement to MY credit report without intervention from anyone else. Today, I see again that a new investigation has been submitted and the statement is still not on my credit report. I'm so tired of the games with Experian & XXXX. What hoops do I need to jump through as a consumer to have a personal statement added to my account? Why is taking several months to have a statement added? Why am I not able to write my own personal statement? This is my 5th request to have one statement added.

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 2023-06-05
Company: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a XXXX XXXX XXXX XXXXXXXX currently administrated via Barclays. I have auto payment of my full statement balance set up for past several months, paid 1st of the month. On XX/XX/XXXX, my statement balance of {$4500.00} autopay was initiated, and successfully/confirmed processed by my bank on XX/XX/XXXX, first business day after XX/XX/XXXX. Barclays then processed the auto payment AGAIN, on XX/XX/XXXX ( not authorized, not imitated by me, the customer ) for another {$4500.00}. This overdrew my checking account from a different bank, to which my auto payment draws from, and, because I have overdraft protection on that checking account, it completely drained my linked savings account as wellso I was completely wiped out, financially, of all liquid funds from my primary banking institution. 

I contacted Barclays and they said they were investigating. That led me to speak to a supervisor, who noted that XXXX XXXX was aware and researching the issue, which was known to be widespread. I called my checking/savings account bank to put a stop payment against Barclays for XXXX charges and they noted they have been receiving calls all day from impacted customers. Researching online, Barclays appears to have done something similar in XXXX and perhaps again circa XXXX. 

I have had credit cards for 30 years and have never experienced anything like thisthe bank itself was who I wanted to report as having committed fraudulent activity on my account. They can say it was a technical glitch but that is not acceptable for repeat behavior by a massive banking enterprise ( or anyone! ) How many millions of dollars did they temporarily steal or rob people of access to? How many peripheral fees will customers have to incur and get stuck with as a result of another such mistake? How much time will consumers have to spend trying to talk to Barclays and their own financial institutions to recover those fees and be made whole again? 

Barclays should come with a warning label for potential customers to be made aware of. Occasionally we may pay ourselves twice using your money. In my case, and the case of approximately XXXX million+ customers, our Gap cards were moved from XXXXXXXX XXXX to Barclays through no choice of our own, so we got stuck with this company which seems to have issues handling money properlyand if you cant rely on a bank to do that one thing rightthey should not be permitted to operate as a bank.

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 monetary relief
Consumer complaint received 2021-11-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Still waiting on Chase to complete any of their 'promised ' actions. 

My taxes are still up paid. I have 13 phone call requests into Chase now since XX/XX/2021 to do any of the following : 1. Pay the taxes for my property that are now 1 year over due. These funds have been provided to them ( all onetime ) each month via my mortgage payments and have been escrowed for this purpose. 
2. Explain to me why they have made payments from my account that have not been received the XXXXXXXX XXXX XXXXXXXX ( yet have been deducted in my account causing a deficiency in funds in my escrow ) - I was told two weeks ago this info would be sent to me as it couldn't be provided via phone. No info has been sent. And based on a call today none has been sent to date.

3. Why I am getting refunds in my account for payments that have not been sent by the City.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: NV
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 was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX & XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.

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 2023-06-05
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: BTH Management
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX reported on XX/XX/21 that i have a collection account reported from XXXX XXXX, GA in the amount of {$1400.00} which not belongs to me and i never got any communication with this collection company ever until i seen in my Credit Report. 
This collection co. violated the federal law as consumer should notified before reporting to credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from XXXX XXXX advising that a collection had been added to my account. There was no phone number or any other contact information listed. I XXXX the company name and was advised that they were attempting to collect a debt on behalf of XXXX. I advised them that I have not received cash assistance in over 20 years. I also advised them that I had never received any correspondence from them regarding the debt. And if I did owe any debt that Id filed a bankruptcy so all collection activity shouldve ceased. It is illegal to report an account for a second time to any credit bureau after the 7 year term. This account was placed back on my credit by this collection agency fraudulently. They reported this as new debt as of XX/XX/2020 but verified over the phone that it was more than 10 years old. They have reported false information to all 3 credit bureaus as if this is a new debt. This is considered Re-aging debt and this is illegal in the state of Illinois!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In 2016 I applied for a Capital One Saks Mastercard. I was advised that the product was going through a change. As such, I was approved for a Saks store brand card by Capital One until the product change was completed. I was advised that I would be upgraded to the Mastercard in which I originally applied. Capital One has now indicated that I would need to cancel the existing Saks store brand card it approved and re-apply for the Saks Mastercard. Not only does this contradict the bank 's initial disclosures upon acceptance of the Saks store brand card, re-application for the Mastercard in store is not only impossible given our current climate but it would involve a new inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted a previous complaint about this alleged debt. 
The original creditor stated that the debt is owed yet has provided documentation that DOES NOT support the charges they assessed. The document provided shows charges owed by a completely different person. This debt needs to be removed as soon as possible per FCRA compliance. 

I have attached the documents they responded to the last complaint with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
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 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 2023-06-05
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:
I recently submitted a request for reinvestigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: FIRST ADVANTAGE CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My XXXX XXXX  charge was reduced to a disorderly conduct and should be reflected as such. This was done through the District Attorney office of the XXXX XXXX Court of Wisconsin after I disputed their jurisdiction. The charge was reduced over the phone the day before trial and I pled guilty to a disorderly conduct. As this is how it was finalized please adjust in your system as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Credit Plus Inc
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Plus ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? 

Credit Plus pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. 

This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They closed my account and did not tell me. Then they overdrew the account for {$1500.00} after approving it. They have done everything I. Their power to be horrible and its not warranted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A. State I have the rights to privacy.

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Midland Credit Management unlawfully filed a claim when they dont have jurisdiction, they dont have the legitimacy or authority. Their robo lawsuits are unfair, deceptive and abusive causing me substantial harm and injury to my name and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Capio Partners and i sent off a Debt Validation to this company over 45 days ago and they're just responded to my validation letter. This company didn't provide proof that I owed debt except they sent computer printouts but nothing with my signature on it, and also this alleged debt was paid via a lawsuit from car accident of this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My dentist recommended I sign up for a CareCredit account to pay for some dental work. They assured me it was a interest free credit card. I set-up the appropriate monthly payments to ensure the balance was paid off in full within the yearly period allocated. However after the promotional period expired they began charging huge amounts of interest. I understand a judgement was awarded against them in 2013 for this kind of misleading and deceptive conduct. I have paid close to {$2000.00} in interest that should not have been accrued.

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 2020-02-25
Company: I.C. System, Inc.
State: IN
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 I went in for a XXXX and the XXXX just started doing other work and XXXX  on a XXXX  to have ready she said. They were taking me so fast because I had a credit card XXXX card I used the whole amount, I didn't like how long it would take her to work on my mouth I was just unhappy about the whole experience, I stopped going. But my bill was paid now the XXXX  I didn't get they still have it. I remember someone calling me I don't know if they were from collections or the office.

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