BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of Debt Parking! the bureaus have allowed illegally parked an illegal debt on my credit file. I have contacted each bureau and requested that they validate this account. These creditors have called my job relentlessly each time I explain that this is not my debt I am threatened with a warrant for my arrest being issued. I recently applied for a new position and my credit report was requested I was denied the job due to a low credit score. My credit score has been adversely affected by this Parked Debt. This is an invalid debt and THE BUREAUS ARE THE BAD ACTORS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reserved 2 tickets for a boating event with a reservation company, XXXX, on my Capital One XXXX XXXX credit card on XX/XX/2022 for {$370.00}. XXXX charged my credit card on XX/XX/2022. The reservation date was for XX/XX/2022. On XX/XX/2022, I called XXXX to cancel the reservation and request a refund. According to XXXX ' refund policy, the cancellation must be done at least the day before the booking date to receive a full refund. XXXX emailed me on XX/XX/2022 that they notified the boating company of my cancellation and they are looking into the refund. They ultimately denied my refund. XXXX that I did not follow the terms for a refund, without further explanation. 

I disputed the charge through Capital One in an attempt to resolve the issue. XXXX responded to the dispute to Capital One with the claim that a chargeback was not acceptable because I never cancelled my booking according to their terms. They said that I was a " no show ''. I responded to Capital One that I called XXXX to cancel the reservation a day before on XX/XX/XXXX. I included my email confirmation from XXXX, of my cancelation request. Capital One denied my chargeback request with a letter stating that I did not provide all of their requested information. I called Capital One to find out what was missing, and I was told by the agent, XXXX, with the agent # XXXX, that I did not provide a cancelation confirmation from XXXX. I told XXXX that XXXX sent me the email confirming my request for a cancellation and a full refund. XXXX refused to send me anything else at the time. I explained that I did my part to cancel the reservation and I followed XXXX 's terms for a refund. The fact that they did not cancel the reservation on their end was not my problem. I demanded that Capital One reevaluate my dispute with that in mind. XXXX said that it is a final decision, and no supervisor can reevaluate my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Can not access online accounts for several credit cards through Comenity BankXXXX XXXX XXXX XXXX used anywhere, but also store cards for XXXX XXXX and XXXX XXXX I spoke with a representative, XXXX, on Thursday XX/XX/XXXX. I was told the company was aware of the problem and that the website should be working within 24 hours. It is now XX/XX/XXXX and I still am unable to access my accounts to verify any transactions or to make any payments. The company suggest using easy pay option, but with paperless billing for 2 of the accounts, I do not know my account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/22, I asked that TN child support provide me a certified copy of their final forensic audit and complete audit trail of my child support account. I needed verification of the audit debt entry in accordance with XXXX, and also proving compliance with XXXX Matching Principles, and in accordance with IFRS, and in accordance with XXXX XXXX, and in accordance with Accord and XXXX Conventions. I requested that they show me the full double-entry bookkeeping accounting ledger, but that was not done. I advised XXXX of this matter on XX/XX/22. Because TN child support could not provide the information, XXXX MUST remove TN child support from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX account XXXX is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: KY
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 XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX  XXXX card ending in XXXX has the wrong balance.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to delete the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be deleted are as follows : XXXXXXXX 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 explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account Number # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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:
I am XXXX XXXX and I am filing this complaint because I have been reporting the unknown informations in my consumer file but I get no response. This has been multiple times that I have submitted a dispute letter yet they failed to notify me nor fix the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX account XXXX is incorrect.

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 2023-03-11
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from XXXX there still are inaccurate reporting. XXXX verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 



This account below is inaccurate from the... 

OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 XXXX HAVE REPORTED XX/XX/ ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} XXXX BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH AS PAID OFF ) XXXX DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : XXXX XXXX XXXX XXXX XXXX  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). 



Attached is all documents and reports regarding this dispute. 

Contract, Updated Credit File with proof off false reporting and inaccuracies from 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 2022-09-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to pay my Amazon store card multiple times. It stated it posted and then retracted that payment so I sent the payment through again including the fee once again it said it posted and now Synchrony without informing me prior to making the payment or after the payment was submitted that they were holding the payment for 2 weeks because I made two payments in one month. No were does it state this in terms and conditions nor was I ever informed. I would have delayed the payment if I knew it would be held. When I finally called because a charge didn't go through I was informed it was held. I asked for payment to be reversed was informed only way is to get a check. Also that only way to confirm emails sent was through fax. They heavily attempted to delay the resolution to avoid fixing. And allow them to hold without reason or informing the customer. 

additonally I have been on hold with the company for over 30 minutes with no resolution.

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 2022-09-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I booked my flight ticket to XXXX using my chase Ultimate rewards points. I was tested positive for covid 19 on my travel day ( XX/XX/2022 ). Under cards benefits, my trip was insured and i will be given refund for medical issues. I had submitted all the required documents and filed a claim on XXXX on XX/XX/2022. It has been 65 days already. I had tried contacting Chase cards benefits departments several times. I was told claim examiner has not made any decision yet. I was also told that all required documents has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made payments in the amount of {$8100.00} to be applied towards my principle. Only {$2500.00} of the money I paid to SPS has been applied to my account. I have tried to get this fixed with Sps for over 90 days. The last response they said to me was do what I needed to do because they werent fixing it. Sps has tons of complaints but yet they are still allowed to be in business. I tried to resolve this with ombudsman and still 90 days later where is my {$8100.00} that I paid. This needs to be correctly Immediately but SPS just keeps sending me acknowledgment letters in the mail. Please help I would like my payments made of {$8100.00} to reflect towards my principal. I did send Sps a notice of error to correct the issues, but again my request is ignored. Buyer beware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Their investigation did not fix an error on your report

Complaint:
In accordence with Fair Credit Reporting Act, everything has to be 1000 % accurately reflecting in a credit report. 
But that is not the case here. I have sent sevaral certified mail to all credit reporting agencies. Please see attached receipt for record. 
The credit reporting agency stated that my accountss have been investigated but how is it possible that account holder is not accurate reporte, Last updated amount is not accurate also, original balance is not acurate, past due amount is not accurate in many case, paid off amount is not accurate, account type is not accurate, original creditor is not accurate, and many other inaccuracies in my report. This grounds for removal they also have violated my rights under 15 U.S.C. 1681 602 ( b ) states I have right to privacy. 
15 U.S.C. 1681 604 ( b ) Section 2 states that consumer reporting agency can not furnish a consumer report without my written permission. 

These are the accounts that must be removed- 1. Account Name : XXXX XXXX Account number XXXX XXXX. Account XXXX : XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: SYNCHRONY FINANCIAL
State: CA
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:
on XX/XX/XXXX the company claim to have sent me a refund check for XXXX $ I never receive that check since then they keep asking to wait that something will arrive. They proceed to close my account without any balance of negatives just to not refund me.

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 2023-01-10
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute a charge of {$430.00} to my credit report on XX/XX/XXXX and XX/XX/XXXX. The Charge is in error because it should be paid and covered fully by my college insurance. 

XXXX XXXX urgent care works with my college insurance which is XXXX XXXX student insurance. I provided my insurance info to the medical service and reconfirmed the full coverage with insurance. Those collections should have been fully covered by college insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Merchants and Medical Credit Corporation, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received Collection Notice from Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX, MA XXXX XXXX on XX/XX/2022. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount : {$290.00} For XXXX and XXXX XXXX at an address in XXXX XXXX XXXX XXXX XXXX, California XXXX Note : I live in XXXX Florida and have for the last 65 years. 
Contacted CCS and was advised to contact XXXX XXXX directly. 
I explained to both companies that this was clearly a case of ID Theft. 

Contacted XXXX and they sent me a XXXX XXXX which was submitted on XX/XX/2022. I demanded proof of how and who opened the account and XXXX sent me the last billing statement XX/XX/2022. ( Not proof just the statement ). 

Submitted information to XXXX XXXXncluding ID, XXXX XXXX, ID Theft Affidavit, etc. 
XXXX responded that I needed to submit a Police Report. I responded to XXXX that I needed additional information to file a police report and I did not receive a response and have not received any further communication or information. 

Subsequently, CCS reported the " derogatory '' debt to all three major credit bureaus on XX/XX/2022. 

Neither XXXX nor XXXX XXXX has responded to repeated requests for more information. 

I have subsequently submitted a dispute with all three credit bureaus and completed ID Theft information with each one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation