BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is currently in violation and reporting multiple inaccuracies on my most recent credit profile- The company recently sent me an update letter based on a recent dispute letter sent to Equifax on or before XX/XX/2019. Explaining that the company has recently initiated an investigation and has predetermined that there will be no further investigation into this account : a violation Account- portfolio recovery and associates- XXXX XXXX XXXX XXXX If the company continues to report the following information : As appears on my recent credit report : opening date of XX/XX/2019, an inaccurate statement. 

Reporting a past due balance on a closed collection Account. Violation If this information is not changed/ updated Or corrected. I expect a full account deletion of portfolio recovery and associates from my Equifax credit profile. Or by default ; Equifax will be in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Had credit card for Wayfair through Comenity. I received notice in XXXX that account was being closed because Wayfair was moving to new servicer XXXX XXXX XXXX in XXXX. I paid off my account in full prior to the account being closed on XX/XX/2020. I still have not received XXXX account statement reflecting payments and it is not available online. They are also reporting I still owe the balance on all 3 credit bureau reports. When I call the customer service Number on my card and previous statements it makes you put in your account number, which I do and then an automated message plays that my account is closed and it disconnects. I have tried to also contact through chat and email and have got nowhere. The return a robo-message response saying I wont receive a statement as no information has changed which doesnt make sense as the balance has been paid since the last statement. And since they closed it wouldnt that be new information? I am including a copy of the last statement noted on my account, a picture of the payment screen and a copy of the notice to close account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 at about XXXX in the morning, I sent someone that claimed to be XXXX XXXX from XXXX {$130.00} for the adoption of a tortoise that he was going to ship to me. I used XXXX through my Chase bank account and assumed it was safe since chase bank was the one offering the service. Once I sent the money the guy stopped responding and I never heard from him again. I looked more into it and found this " XXXX XXXX '' has done this to multiple people and scammed them also. I called XXXX customer service first and they said since it was done through my bank I needed to contact them. I called chase the next morning XX/XX/2020 and was told by the first person that they would take care of it and " rest assured we will get this taken care of for you '' then I was transferred to the fraud dept and the guy from JP Morgan chase told me I was out of luck. He told me I shouldn't use that service. I asked why they offered it and MISLEAD THEIR CUSTOMERS he had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
XXXX XXXX has been reporting a invalid account on my consumer report which is violating 15usc1681a-4 privacy obligation VIOLATION 1, they're not protecting me as a consumer. 2nd violation is 15usc1681b no permissible purpose to place on my consumer report without my consent or wet ink validation which is violation 15usc1681 section 604 a section 2. I have given them 15 days to provide proof that this account belongs to me and they have yet to do this. 15 days are up, so the account has to be removed. 5usc552a you broke the privacy law. I have a right to privacy 15usc 1681 section 602a.

Accounts according to FCRA being violeted of my confidentiality rights are XXXX XXXXXXXX XXXX XXXX XXXX according to my recent cfpb complaint they stated that they will stop all collection activity and remove from my consumer report XXXX XXXX XXXXXXXX 30 days Late 15usc1666b timing of payment violation 15usc1681a ( 1 ) a ( 2 ) transaction history excluded 15usc1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15usc1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any CRA if the person knows or has reasonable cause to believe info is inaccurate. 
{$1000.00} per violation sued and or prisonment.

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 2017-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Good Morning, In regards to the Equifax promised TrustedID Premier credit monitoring & free credit report freezing. 

Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. 

Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 

Please help consumers protect their credit and make Equifax follow through on their promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One is limiting the amount of banking data they share with third-party applications. As this is my personal data, they should not be allowed to dictate the terms of that data sharing. I should be able to use applications and tools that enable me to live a healthy financial life -- and this shouldnt be limited to the services provided by Capital One. As such, I am submitting a complaint against Capital One because no consumer should be locked out of their own data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A Certified Payment in the amount of {$18000.00} Which was to cover the total balance left on an auto loan agreement that I have with Ally as award me my clean and clear title was received by Ally Executive Offices on XX/XX/2022 receipt # XXXX. However I continue to receive threatening calls and text from their customer service department from a person name XXXX XXXX alleging that I still owed money on the loan. After speaking with Customer Service and demanding that they find my payment. I received a letter a letter from Ally Executive Offices Stating that the matter is under investigation. Nevertheless as of current date I still continue to receive harassing threatening calls in addition I am not in receipt of my clear and clean title despite having already paid this balance in full. At this point it feels as if my payment has been stolen by perhaps an employee at Ally Bank and I am being tricked into paying more money.

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 2023-01-30
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 am interested in disputing all incorrect information on my credit report with transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
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:
After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my transunion along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.

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 2022-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Platinum Capital One Card. I have no activity on this card since XX/XX/2022 and my last cash advance was in XX/XX/2022. My balance stay just over XXXX because Capital One keeps charging me cash advance fee and a purchase fee. When I pay above the minimum due my balance never goes down. When the fees are charged each month it takes away from my available balance and my balance is back over XXXX. The only activity on this card now is the fees they are charging me each month. I have asked the card be canceled. I assume that has happened. I called and they give me this spiel about how the payments are posted and that is it. 

I was told that I am still paying off the cash advance that was done nine months ago??? 
and that I will have to pay the card in full if I want to stop getting charged cash advance fees. 

All I know is if I pay above the minimum and have made no other charges my balance should go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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:
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.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX College XXXX XXXX for my XXXX degree in XXXX XXXX, XXXX  as an out-of-state student from XXXX to XXXX. I borrowed $ XXXXyear for tuition and living expenses for four years. Upon graduation, I moved back home in XXXX XXXX, and I enrolled in an income-driven repayment plan for which I made timely payments automatically deducted from my bank acct without any missed payments. I trusted the loan servicers, Sallie Mae and Navient, thinking they were handling my federal loans correctly, but lately have become increasingly suspicious of errors or even fraudulent practices. My principal jumped up to the current amount of ~ $ XXXX when I borrowed $ XXXX. My monthly payments have been significantly increasing every year by up to {$400.00}, despite having a pretty steady income and having two babies since graduation. I did not opt for the plan that increases payments as I work. Now I am paying almost $ XXXXmonth when my take-home income has been ~ $ XXXX/month. It is difficult to support my family and impossible to save when coping with a student loan payment thats higher than my mortgage, which has an even higher principal! I called multilple times to inquire about my loan calculations, and I never got clear and straight answers. The reps always seem to be new on the job, consistently placing me on hold to ask a supervisor to answer my questions. In response to why my principal is so much higher than what I originally borrowed, they just say its because of accrued interest. And in response to why my IDR payments increased by $ XXXXyear when I just got a newborn and no change to my income, rep tells me hes not sure, but probably due to the calculations with the poverty line. I also receive yearly email notices around this time of year to renew my IDR plan by XXXX. However, whenever I try to do so, their system doesnt allow me to and reps tell me its too early to reapply until XXXX or XXXX, when its almost the end of the year. Whats the meaning of the conflicting deadlines? Ive been meaning to make a complaint or seek help reviewing my loan calculations but wasnt sure who else to turn to. Lately Ive been hearing that Navient is now under investigation for unfair practices and I genuinely feel I am a victim! Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was a co-borrower on a loan with my son with Wells Fargo. He was 2 weeks behind on his payment. I called the company and told them I was going to make the payment so it wouldn't hurt my credit. They refused the payment and told me I had to pay 2 months or they would not accept anything. I could not afford 2 months and explained it to them. They said that was my problem and I would also have to pay late fees for the 2 months. I told them I would refinance the vehicle. I secured a new loan, and called them with the information. It took a few days past the end of the month to pay it off. They then put a late payment on my credit report. I called them and explained what was going on and they said too bad, not their problem. My credit score was impacted for 7 years till it finally fell off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I cant believe I need to wait for more than 45 days just to see that there is nothing Transunion done with this dispute. Am I being ignored? This causes me stress seeing that these accounts that isn't mine is on my report and damaging my credit. I patiently done a dispute with them but this is too much.

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent multiple letters stating this information/accounts are incorrect. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willfully non complying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO " repair/delete '' the following accounts ; XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX # XXXX. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed. 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to apply for a mortgage loan and discovered a fraudulent account with XXXX XXXX XXXX XXXX XXXX account no : XXXX XXXX in my credit report. I filed a police report with XXXX Police Department on XX/XX/2017 XXXX police report no : XXXX ) regarding this fraudulent account and submitted that document to the credit bureaus and XXXX XXXX. The credit bureaus blocked and removed fraudulent account from my credit reports. But recently, I checked my credit report and found out that Experian reinserted the fraudulent account back to my credit report. I contacted with Experian credit reporting agency but they refused to help me to delete fraudulently opened car loan from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX my credit score with XXXX was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my Equifax scorer dropped 89 points in 2 days. 
I called a XXXX and the dropped seem to correspond. 
Now this sudden drop in Equifax. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer

Company response to consumer: Closed with explanation