BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: WA
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:
My credit report is still showing incorrect information : - XXXXXXXX XXXX XXXXXXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I live in South Florida and was in a shelter and went without work and pay for two weeks due to Hurricane Irma. All my creditors are deferring at least one month 's payment except Capital One. I have no way of making my payment because I just began work and I am behind on my utilities and I might have trouble with rent and car payment. I called Capital One and asked if they would defer my XXXX payment. They refused. They only said they would not charge me a late fee. I begged them to help me, but they refused. I am living in a county that has been declared a federal disaster area.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Admin Recovery, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CFPB, I lost my job back last year and my unemployment ended so I had no income at all and fell behind on all bills and XXXX XXXX just kept piling on fees, so no way I can pay it. I am twice widowed and insolvent. I sent a cease and desist letter to XXXX through IL Attorney Generals office months ago and now they sold the debt to a crooked collection agency ( Admin Recovery/XXXX XXXX XXXX XXXX ) who is harassing me by phone and mail!!! They are intentionally breaking the FDCPA!!! Please enforce the laws!!!! 

Thank you, XXXX XXXX XXXXXXXXXXXX

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 2023-01-29
Company: EQUIFAX, INC.
State: AZ
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 contacted XXXXXXXX XXXX  about the negative and defaming information starting XX/XX/XXXX. I went to go get a loan from my local bank and I've been informed that I have bad credit and couldnt get it. I checked my report and seen that the XXXX XXXX account is reporting inaccuracies about me on my credit report. I am highly upset. 

If this account is going to remain on my credit report I challenge the accuracy and validity of your reporting company. 
( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

How could you guys be so careless when reporting this information about me this really hurt me and my business.

Show me the reasonable policies and procedures concerning the accuracy and integrity of furnished information of this account please.

And please have integrity about this account.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XX/XX/2020 XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Late Payment XXXX XXXX # XXXX XXXX Category XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Resurgent Capital Services L.P.
State: DE
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 am a legal resident of Delaware and after doing some investigation on the company attempting to collect a debt. I discovered that LVNV Funding LLC. is not legally Licensed to collect debts in the state of Delaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: LEXISNEXIS
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XXXX of XXXX, I have attempted with two companies, XXXX XXXX and XXXX, to use their products. I can not get through the process because the security questions generated by them have nothing to do with me. In XXXX of XXXX, per LEXISNEXIS website I submitted all of the documentation that they requested to have my nonverified public information report sent to me. I never heard back although I sent several emails asking about the issue. Approximately two weeks ago, I went through the process again and ( this time ) received a letter saying they couldnt send it because my information did not match up. On XX/XX/XXXX, I called them ( again ) and explained to them that I am not comfortable emailing my social security card and other documents with PI via the Internet in this environment and that they already have what I sent on file. After nearly one hour on the phone, the woman I spoke with confirmed that they do have it and she placed me on hold and requested and received permission to have my report sent to me. However, it appeared to her that my information was suppressed and that I had opted out. She instructed me to email yet another group within lexisnexis and they confirmed ( what I had thought ) someone name XXXX XXXX in XXXX, VA, opted out in XXXX. I confirmed with them that my name is XXXX XXXX XXXX ( XXXX XXXX  in my first name ) and that I live in XXXX  XXXX XXXX  and have never lived in XXXX, XXXX. They confirmed that they never received an opt out from me and sent it back to the consumer group. I then had to call back today and an agent by the name of XXXX # XXXX, refused to send me my file, which I had received permission to have sent just six hours earlier. They continue to try to blame the companies for generating the security questions, which may be true, but the security questions are relating to the wrong person by their own admission. They ignored my first request and even with the documentation they have for me establishing who I am and where I live, will not send my report. It should be noted that the two companies continue to tell me the exact opposite- that they engage lexisnexis and the questions are generated by them and that I have to contact them. Because lexisnexis collects aggregated information and this is their business, I am inclined to agree. Additionally, I have been through several background checks and have had to answer similar questions before, I know how the process works. I am unclear why they refuse to assist. I have done and provided everything they have asked. Complied with every confirmation and I continue to get nowhere. This has been going on since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NJ
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 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 : 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 2017-08-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I arrived at TD Bank on X/XX/2017 at around XXXX XXXX I asked to make a transfer of funds to my account in XXXX. XXXX the banker told me she will not help me since I am XXXX and a XXXX XXXX I will not help you. She told me that she also hates the State of XXXX, and all XXXX should be put into a XXXX XXXX or an XXXX. She told me we need to make a finale solution to all the XXXX.
I mentioned this to her manager that she was not willing to do a transaction for me since I was XXXX XXXX started laughing at me. I almost wanted to cry that this is how I 've been treated as a TD customer. I filled many compliments already with the CFPB and the CFPB has ignored the fact that as a XXXX I have been discriminated against on the basis of my religion ( XXXX ) and national Origin ( XXXX ).
All I asked was to do a transfer of funds from my account in the US to XXXX and they would not allow me to do the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a secured credit card with XXXX XXXX XXXX in XX/XX/XXXX. My credit report shows that I had no delinquent payments from XXXX until XX/XX/XXXX. Between XXXX and XXXX of XXXX I was in contact with XXXX XXXX XXXX to close the account. My main concern with the phone calls was that I would not have a negative mark on my credit report for closing the card. 

Upon checking my fico score and credit report this year, I discovered XXXX XXXX XXXX did in fact mark my payment as 30 days late. Additionally, they refused to give me credit card statements for several months due to going from an in third party credit handler to an in house credit handler. 

Attached is an email with the contact information of the person I spoke with, My final statement showing I had a {$0.00} balance in XX/XX/XXXX, a printout from the credit monitoring company I am using showing that I do have a 30 day past due mark on my report which is false and occurred while closing out the account.

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 2017-08-13
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express Delta Skymiles sent me offer of a gold AMEX card, offering {$50.00} credit for qualifying Delta purchase and XXXX  bonus miles providing I spent a certain amount in a certain time frame. Both offer obligations were met by me and American Express customer service agents as well as the manager have confirmed this to be the case and agree 100 % that I SHOULD get the {$50.00} credit and the XXXX bonus miles. I called on XXXX XXXX, 2017 and spoke with XXXX, she confirmed I should get the miles and $ credit within 7 business days. Case was opened, case # XXXX. Nothing received, so I called on XXXX XXXX, 2017 and spoke to someone else, they said case was resolved on XXXX/XXXX/17 and they should be fulfilled ( miles & dollars ) by XXXX XXXX, 2017. I checked on XXXX XXXX, 2017 and nothing, so I called again and insisted on speaking with the manager. After 30 mins of waiting on the phone, I spoke with the so called manager, XXXX, and she said there were " technical difficulties '' in fulfilling everyone 's bonus miles and dollars, said it had something to do with XXXX XXXX and delta airlines, said it should be resolved in a week. A week has gone by, and it 's XXXX XXXX, 2017 today and just called and spoke with XXXX. Same old, same old ... .yes, I have met my obligations, but there is still problems fulfilling what was promised to me. REALLY American Express Delta Skymiles???????????????????????? I have never thought that American Express was this sort of a company where promises are made and then they hoped I would just go away. Next time, keep your offers to yourself and I can assure you I will TEAR UP EVERY SINGLE OFFER THAT COMES MY WAY. Lost ALL faith in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions Inc.
State: MI
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:
A debit collection company called " XXXX XXXX XXXX '' is reporting to my XXXX Credit report for a debit. They are claiming that this debit is from a hospital bill from XXXX of XXXX and became delinquent in an or " opened '' in XXXX. They are telling me it will remain on my XXXX  report until XX/XX/XXXX. This account is actually from XXXX of XXXX and became delinquent in XXXX. This has been on my report for over 8 years any should have already been removed. I have contacted XXXX  by phone, email, and US post office 7 times. They will not help and XXXX XXXX keeps reporting in Accurate information to them. Please help. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, 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 2022-10-25
Company: Forest Recovery Services LLC
State: FL
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 this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been trying to open a dispute on my Experian account with Experian directly for over a week, and every time I try, it tells me they're having technical difficulties and can not access my report. I'm paying a monthly subscription for Experian services specifically to access this information when I need to.

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 2023-04-07
Company: Synovus Bank
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am having an issue of applying for the First Progressive Platinum XXXX XXXX XXXX Credit Card through Synovus Bank on XXXX XXXX and through Synovus Bank online application process. My application for the secure credit card cant be processed online on XXXX XXXX or Synovus Bank website. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Subject : Dispute with XXXX XXXX XXXX on XX/XX/XXXX for XXXX water heater which is under 9 years warranty with 4 years in use Dear CFPB Agent : I would like to file a complaint against XXXX XXXX XXXX ( XXXX ) for not fixing my water heater correctly. On XX/XX/XXXX ( XXXX. ), I requested a service repair from XXXX to repair my XXXX water heater ( under 9 years warranty ) for no hot water. After 6 days, the XXXX service technician came to my house for the repair service on XX/XX/XXXX ( Wed, ). The service technician replaced a PC board. The water heater seemed to be working. The pilot light was on and the flame was on. I gave him {$180.00} by check ( Check # XXXX ) in full for the repair service. In the evening, we found out that we had no hot water again. I called XXXX again on the next day XX/XX/XXXX ( Thurs ) to fix the problem immediately because we had no hot water to use for a week already. We had paid the money on XX/XX/XXXX and the problem should have been fixed on the day the check made out. XXXX refused to come back. They rescheduled me on XX/XX/XXXX ( another 9 days ) and then XX/XX/XXXX ( another 5 days ). We could not have not hot water to take shower for two weeks. I told them to give me the full credit if XXXX could not fix the problem on XX/XX/XXXX so that I can buy a new water heater instead. XXXX put me in the circle to make several phone calls around without solving the problems. Therefore, I went to stopped the check payment to XXXX immediately and then replace the new heater heater immediately. I have been calling XXXX since then in an attempt to solve the issue. They are still putting me around the telephone circle without solving the problem. Now, XXXX had put me in the collection agent for collecting {$180.00} without fixing the water heater problem. I am now writing this letter requesting CFPB to help resolve this issue for me. Your time and effort will be greatly appreciated. I can be reached at XXXX XXXX ( H ) or XXXX XXXX ( C ). Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Sterling Infosystems Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX a consumer report back ground check was checked status complete report number Id XXXX. upon review of that background report, under label 'criminal check by jurisdiction ' an alert was caste. the criminal case found is dated for disposition XX/XX/XXXX. upon review of 'rights of the fair federal reporting act - Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

I am filing this report on XX/XX/XXXX ; 9 years after disposition. This type of outdated negative reporting may cost me my job. that financial loss is an estimated XXXX dollars per yearly income. last year federal taxes report was {$8900.00} XXXX. As you can see. this type of negative reporting is detrimental to my current living and economic status.

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