BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX - {$4100.00} XXXX  XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$370.00} XXXX XXXX  ( Both accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX   - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX AUTO XXXX {$10000.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I joined XXXX XXXX around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: AMERICAN EXPRESS COMPANY
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: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/19 I was sent a promotional offer from American Express to upgrade my XXXX XXXX XXXX card to the new XXXX XXXX   card. The offer stated I would receive XXXX bonus XXXX XXXX points if I spend {$3000.00} within 3 months. I requested the upgrade on XX/XX/19 and clicked the link in the email and entered my RSVP code and SS #. I was instantly upgraded to the XXXX XXXX card. On XX/XX/19, I chatted with Amex to confirm my enrollment in the offer and was told that the promotion had not applied to my account. I gave them my RSVP and code and proof of the email and they still continued to deny my enrollment. They claim they will conduct some sort of long, drawn out clandestine investigation that cuts into my minimum spending period but can not manually adjust my account to enroll me in this promotion. Amex is employing bait and switch tactics. 

POID : XXXX RSVP Code : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: CO
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:
Experian continues to neglect and play games to delay the process of my previous inquiries and investigation. I have sent them countless proof of who I am providing drivers license, Social Security number etc. However, they still continue to not process or look into the reporting issues that I have on my credit report. All they have done and continue to do is violate FCRA policies and procedures. If this is not handled properly by this Experian, I will have no choice but to look into further litigation to correct this issue for gross negligence and failure to provide Significant information to my request.

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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : TRANSUNION FILE # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-07-08
Company: EQUIFAX, INC.
State: TN
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 mentioned in my previous disputes that the listed accounts are erroneous and inaccurate, yet those accounts are still showing on my report. This goes against FCRA section 623 ( B ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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: Personal information incorrect

Complaint:
An incorrect address appears and has not been removed after I wrote Equifax on XX/XX/2020 - letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
at the time of service insurance was verified and approved to render services. i was not contacted by phone or mail of this debt or my right to dispiute it before going on my credit report. i am XXXX  and unable to pay this debt. the debtor are aware of my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We suffered a flood which resulted, after several months, in an insurance payment. The insurance proceeds required endorsement of the Mortgage Company and the check was received by the mortgage company on XX/XX/2021. Mortgage company has been opaque in its communication, having failed to provide their procedures and refusing to communicate. Repeated calls to the " Loss Draft Department '' result in rude non-answers and the various representatives seem intent on continued delay. Despite having received the requested documents on XX/XX/2021, we were advised in a follow up call on XX/XX/2021 that additional information was needed. That information was immediately provided notwithstanding the mortgage company 's failure to follow up and request the additional information they desired. 

Initially, we were advised that this would be resolved by XX/XX/2021. On XX/XX/2021 the representative now advises that the " quick endorsement '' would likely not be completed until XX/XX/2021.

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 2019-05-17
Company: EQUIFAX, INC.
State: SC
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 have sent Equifax my affidavit of fraud concerning this account twice on XX/XX/XXXX and XX/XX/XXXX. I have received no updates other than from XXXX XXXX which shows the  account is being investigated. I am aware a credit bureau is allowed 30-45 days for an investigation, we are long past that. XXXX and XXXX deleted the information after 10 days of my original submission. While talking to Equifax this morning one of the CS people mentioned XXXX. Using XXXX which is known to be inaccurate, is not considered a reasonable investigation, is not acceptable as to your company doing its due diligence and there is case law against using XXXX for investigations. 


( 1 ) This is a closed account that is reporting a credit limit, closed accounts should not show a credit limit. Factual Error ( 2 ) You are reporting late payments years after the closed/charged off date. How can I be late if the account is closed? Factual Error ( 3 ) This account was removed from my Equifax report last year and re-added without the required 5 day notification which is required by law FCRA Violation ( 4 ) I was told by XXXX XXXX XXXX that they could not provide me with physical documentation PROVING the account is mine. How are you keeping an item on my credit without having evidence that it belongs there. You are obligated by law to report only factual information. You can not report factual information without having documentation which I have already been told by the original creditor does not exist FCRA Violation ( 5 ) My credit report dated XX/XX/XXXX ( report number XXXX ) states inXX/XX/XXXX this account was paid on time. You are now reporting it was late in XX/XX/XXXX. That same report shows payments through XX/XX/XXXX. But the account is now reporting as closed XX/XX/XXXX, how can that be? Factual Error If this issue can not be resolved in the next 30 days I will seek damages including but not limited to defamation, and any monetary amount allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB, My name is XXXX XXXX XXXX. I am a resident of the state of Massachusetts, Social Security No. is XXXX. I have recently attempted to inquire with my online bank Capital One 360 over the past month and a half, regarding two of my accounts being placed on hold a personal checking account, and a personal savings account which have been active since 2016. 

The accounts online state the following message when I attempt to log in, and access my funds : " Your funds are currently unavailable for withdrawal ''. The message then requests me to call a customer service line that rarely answers my calls when I attempt to call. My call is often prompted to an automatic voicemail box, that never returns my calls to simply gather information for a timeframe as to when my funds will be available to withdraw again. 

I have only twice been able to contact the team who is supposedly involved in this matter, who does not give me any specific information or details, as to why my accounts are on hold to begin with. 

If CFPB could please aid me in this issue in regards to Capital One 360, and them not allowing me to access my funds, this would be greatly appreciated. 

-XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX reporting agency keeps reporting inaccurate information on my car loan threw XXXX  XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to XXXX threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX reporting agency keeps reporting inaccurate information on my car loan threw XXXX XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to XXXX threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my 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 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
On or the month of XX/XX/2020 I made a order from kohls using my credit card ... I had noticed that my order had not came in this was during the height o corona virus I tried calling kohls over and over again to check on my order but was never able to speak with anyone because their system was so flooded with calls so I figured I had not received my product because everything had slowed down do to the pandemic around mid XXXX I checked my credit report and I saw where kohls had put a bad report for none payment on my credit report I contacted kohls ask them to explain why did they put incorrect info on my credit report I asked them how do I owe u a bill for something I never receive that I never received my product and that I called and called to check on my product and because their phone system was flooded with so, any calls there would either be hours of wait time or they ere only allowing so many calls into their system.I explained to the representative that I had been trying to get my product and why did kohls never sent me a bill or never called me saying I owe this bill I was told to pay the bill and all my money would be returned and that they would correct the problem with the credit reporting agent..kohls sent me a check for my full amount but never correct the negative on my credit report ... .I am asking that kohls remove the negative info from my report because I have did nothing wrong ... it was kohls who didnt do their job its kohls who did not send me my product but expected me to pay for products that I never received ... is was kohls who, did the research and realized that I did not get my product and returned me all of my money for a product I did not receive even tho they know I am correct because they agreed and refunded me my money but they still refuse to remove the negative lie that they put on my reports and that is against they law to put negative info on someone report .I am asking kohls to, please remove their negative info like they said they would 3 months ago

Company response to consumer: Closed with non-monetary relief