BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I am a low income status American. I have a perfect history of payments for the last 5 years. 

Due to XXXX  rules ( I am going to guess ) or lack of fair reporting and use, I am being whopped in any month that I miss the ( unknown to me ) date that a given credit card company sends its that day report to the credit bureaus. This seems completely unfair and also inaccurate per both my use and monthly payment. 

I use American Express as my primary card for most large transactions ( over {$500.00} ). I all but pay the statement balance off each month but I do so in chunks as I get paid each month. I also use my card each month In a typical month, I will have a balance of {$4700.00} but I pay down over {$3500.00} over the month but I may add {$3500.00} during the month in new purchases. 

How is it fair or accurate, that American Express provides a one day in the month XXXX and the three credit bureaus and XXXX  calculation ( which consumers can not be provided ), use this as if that represents the whole month view? Should credit companies not be required to provide average month numbers or provide the total amount paid each month toward credit balances, instead of some one-day snapshot?? 

Consequently, when I use my credit card but pay it all but off each month, XXXX  penalizes me to point that my score goes low by as much as XXXX  points!! the CFPB needs to update and require credit card companies and credit bureaus to use monthly averages as well as statement balance vs monthly total payment info, not just a one-day snapshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
THis concerns all Credit Reporting agency and companys that send info, most state that this will not efect you credit that a lie if you look at my report everyone has files a request and my score has gone to XXXX  anyone should be able to make inquires without paying a price the credit companys are out of control and you as gov neeed to do something about it iworked for the XXXX for 37 years as aXXXX XXXXand as a XXXX XXXX  also spent 37 years working for the XXXX and XXXX I do havepeople in Wash that I CAN contact but after looking thru items its your job to correct items I would exspect feed back as to what actions you intend to take, I thank you.

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX. 
Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2015-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Other

Complaint:
WHEN IS MY PAY-OFF DATE ON MY LOAN? WHY IS MY DEBT GOING-UP INSTEAD OF GOING-DOWN. I HAVE NEVER MISS A PAYMENT, NOR RECEIVED A PASS-DUE NOTICE. EXACTLY, WHAT IS GOING-ON?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have asked for my credit report to be accurate, removing delinquent accounts or providing proper debt validation as well as taking down all proper addresses, work places and phone numbers except for what is current. I have been a victim to fraud and do not want all these addresses and numbers that are incorrect on my credit report. I have written several letters and have been ignored every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted this company XX/2017 with certified mail asking to validate debt they are trying to collect. Portfolio responded but not with suitable verification of debt, no sign agreement or verification they had the right to collect. Sent a second letter asking for validation Company sent same information as the first time and a letter stating that their dispute department has review this information and they are not going validate the alleged debt again. My issue is that they did n't validate it at all nor did they provide documentation that they have the legal right to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.

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 2022-01-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I entered into a contract agreement with XXXX XXXX OF XXXX XXXX on XXXX XXXX, 2022. I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$7000.00} was needed in order to drive off the lot. Pursuant to 15 USC 1605 a finance charge is the sum of all charges. The Finance Charge on the contract was {$12000.00} I have reason to believe that XXXX XXXX OF XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law.

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 2017-07-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I 'm Up to date on all taxes however I have been contacted by my loan servicer collections department asking for evidence of my assessment bill and have spent time downloading my tax bill ( Perhaps they can not do the same ) and sending it in good faith via U/S mail only to come home today to receive another request from the same department my concern is the reputation of loan servers with past mass fraud I wanted to bring this incident to your attention I will not a victim of there fraud.

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 2020-04-21
Company: EQUIFAX, 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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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:
I have sent multiple letters to update my consumer report with no correspondence validating this information. I have received multiple notification that the report have been updated and came back as verified without any documentation. Only the consumer which is I can validate any debt. 
Pursuant 15 usc 1681g Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-01-27
Company: Experian Information Solutions Inc.
State: FL
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 following ( XXXX.Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX Date Opened XX/XX/2012 Balance {$0.00} )

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 2015-07-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I agreed to a monthly home phone payment of {$19.00} per month and XXXX tablets at {$10.00} per month. They were supposed to waive all of the fees up front. The amount I should owe from XX/XX/XXXX through XX/XX/XXXX is {$120.00} plus about {$300.00}. to break my contract due to their negligence. That would be a total of about {$420.00}, not {$830.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: FL
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:
This account is not charged to me. My record shows that this account was Paid as agreed and Balance is XXXX. Please delete this account immediately. ( XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00} )

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 2022-01-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX. 
XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Amsher Collection Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On X/XX/2017 i contacted XXXX to cancel my services and transfer my services to XXXX. I was taking my mobile number to the new carrier at which time i was informed all balances to be paid in order to transfer and keep my same telephone number at which time i paid a total of {$210.00} that was drafted on X/XX/2017 I was told by mobile rep that was it and my account showed {$0.00} balance. This point my service was cancelled and my phone line was taken over to my new carrier.  On XXXX XXXX 2017 i was contacted by an agent from Amsher collection agency which claimed i owe XXXX from XXXX the man on the other end said if not paid in full TODAY i would be further penalized. I immediately hung up the phone and dialed XXXX. I waited on the phone for nearly 30 minutes i spoke with XXXX XXXX ( EMP # XXXX ) who initially informed me she could not help and i would have to call collection agency i further pressed and was able to get her to look into the matter. XXXX finally concluded that i did pay the charges stated on the account and that this was a mistake and it would be taken care of within 48hrs time XXXX gave me a verification number of XXXX. X/XX/2017 i  receive a call from a woman at amsher collections stating i owe a balance and how i would like to pay i asked numerous times what the balance was for before finally being hung up on by the woman. X/XX/17 i call XXXX and speak with XXXX XXXX ( EMP # XXXX ) He informs me that the account is locked and nothing can be done about it and i will have to call the collection agency i keep pressing him as well until i am told he can file paperwork to look into the amount and it will take 2 weeks. i also found out from a XXXX XXXX store there was an account adjustment on X/XX/17 of XXXX and an outside collection fee of {$27.00} which makes no sense as my account was cancelled X/XX/2017. I fear i will not be helped by anyone and my credit is in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN Fraud Department : Remove fraudulent accounts 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 2022-10-07
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied to stay at an apartment at XXXX at XXXX. I paid {$420.00} on XX/XX/2022 for the application and administrative fees to live at the apartment. I decided the day after to withdraw my application and XXXX 's terms and services said that {$150.00} is nonrefundable. XXXX  withdrew my application and sent me a check for {$270.00} on XX/XX/2022. 

Fast forward to now, I have been getting calls nonstop from Hunter Warfiled saying I owe a collections of {$220.00}. I have no idea why I would be getting a debt collections charge, I sent all the documentation of the check and credit card statement showing that there shouldn't be any debt owed. Hunter Warfield has not called me back or responded to my emails and the collections is now on my credit report.

Company response to consumer: Closed with explanation