BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which experian and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bureau Name : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original Lender : XXXX Date Reported XX/XX/2018 Age of Account 2 year 4 months Balance {$340.00} I have never had any utility, cable or internet source of any kind with XXXX in the past, I currently am an authorized user on my husbands XXXX account in which is current and up to date, I am not sure what this account is, but Southwest Credit Systems refuses to work with me on removing this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Acceptance Rentals, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This account has inaccurate information date opened XXXX2013 with a balance 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 2017-09-25
Company: EQUIFAX, INC.
State: DC
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:
Equifax suffered a data breach and failed to adequately notify me of the breach in a timely fashion. Additionally, Equifax has not provided specifics on which pieces of my personal identifying information were stolen. Equifax 's overall communication and handling of this entire issue have been poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, 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 Equifax Credit report for a debit. They are claiming that this debit is from a hospital bill from XX/XX/XXXX and became delinquent in an or " opened '' in XX/XX/XXXX. They are telling me it will remain on my Equifax report until XX/XX/XXXX. This account is actually from XX/XX/XXXX and became delinquent in XX/XX/XXXX. This has been on my report for over 8 years any should have already been removed. I have contacted Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed when I was checking my credit score through XXXX XXXX that someone opened up a Chase credit card account in my name. There's no balance yet. It look like it was open XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: GUARANTEED RATE INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed Rate currently is the servicer on my mortgage. I refinanced in XXXX. During the XXXX calendar year, I received the first XXXX statements, then proceeded to not receive a statement, then received a statement, then the following XXXX were not sent. These lapses in statement sending resulted in late charges which I agreed to pay. 

Later in XXXX, I changed the mailing address to my XXXX XXXX XXXX I believed this matter to be resolved. XX/XX/XXXX statement has not been received, but fortunately I'm paid up until XX/XX/XXXX at this point. 

My complaint is that I would like to report this lender for inability to notify a consumer with a monthly statement. I have a reminder in my bill pay to prevent late fees and have paid ahead, but my concern is that what could be happening if I am not a one off in this payment system. 

Please record my concern and if these actions are reported by multiple parties where the servicer is acting in bad faith to provide monthly statements in an attempt to charge late fees. 

I hope this is not the case, but felt the need to disclose as a mortgage servicer who's specific task is to provide adequate communication and collect payments should be adept at communication to the end customer. 

I've lived in my current location since XXXX and not experienced this problem with any other statement mailed to my home for monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America cancelled my debit card without me receiving the replacement. It took over a month to receive my card after repeatedly trying to grt a hold of them and ask where my debit card was. After speaking to XXXX XXXX he informed me I would receive it and the PIN wouldn't change. After I received it by the end of XXXX I wouldn't even use it because they had indeed changed the pin. This caused me to be late on all my bills from cell phone to rent. Today I am living in a home without heat because of Bank Of America not letting me access my funds. I rely on my debit card to withdraw British pounds and deposit them in nt British bank account. I'm XXXX XXXX XXXX and I'm stationed in the XXXX at XXXX 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 2022-12-27
Company: HireRight 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wasn't made aware that I can opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
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:
I spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act conversion the accounts listed violated my rights, 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 XXXXXXXX ) 15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section ( 2 ) states a consumer reporting agency can not furnish account without written instruction 15 U.S.C 1681 Section 623 Section ( 2 ) states a person shall not furnish any information relating 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 2022-08-24
Company: Experian Information Solutions 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:
I asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original Contract or delete. 

XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXXXXXX Cancel contact. Please provide the original contract or delete. 

XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an 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 2022-10-24
Company: EQUIFAX, INC.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-08-24
Company: CITIBANK, N.A.
State: NC
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 natural living man. I am a human being. I have rights under 15 U.S.C. 1681 XXXX and CITICARDS CBNA is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

XXXX and CITICARDS CBNA has erroneously since 2019 reported negative and false information to my credit report. 

This entity is reporting a charge off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give XXXX nor CITICARDS CBNA written permission to furnish this account. 

Account Numbered # 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 2021-09-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/21 a formal complaint was sent to Equifax for reporting inaccurate and incomplete information. Received information back from Equifax stating that the disputed items have been verified. On XX/XX/21 a letter was sent to Equifax to verify the method of verification and equifax has not responded. Under federal law Equifax has 15 days to respond to request and there was no response at all. I demand that the disputed items be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MS
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 XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NC
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 natural living man. I am a human being. I have rights under 15 U.S.C. 1681 EQUIFAX and XXXX is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

EQUIFAX and XXXX XXXX has erroneously since 2019 reported negative and false information to my credit report. 

These entities are reporting a charge-off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give XXXX nor EQUIFAX written permission to furnish this account. 

Account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have XXXX XXXX XXXX credit account, managed through Synchrony Bank. I bank constantly adds late charges to my account where there are none due. This first time this happened is XX/XX/XXXX ( please refer to statements from XX/XX/XXXXto XX/XX/XXXX ). I constantly receive collection calls and when I attempt to respond and resolve the issue I am met with incompetent customer service people who English is not good and will not investigate the issue. I have to take my time to research and the issue. Since this is an error on their end they should provide the proof the my account is late or past due. These is by design on Synchrony part to harass customer they feel do not understand credit because one chooses to do business them. This equates to 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 monetary relief
Consumer complaint received 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : Account Name : CAPITAL ONE Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account has been removed and has been reinserte d. CBNA  is not a company bonded in the state of Texas to collect this 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 explanation
Consumer complaint received 2022-10-24
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Grain technology creditor! So in XXXX a payment was due. I couldnt not be able to make payment because I need to change my bank. I contacted them and took almost a week! And it was pass the due date and try to call in the phone number and seem not to be working! So I had no choice and let it pass the due date that will count as a late payment on my credit report! So I told the support and they said the creditor leader will not be able to waved the late payment due to a decay support respond!!? This is very unfair and disappointing! I try reporting to the credit bureau and it seem like it not working and denying my complaint dispute! How is this fair? And how it is my fault when Im trying to make payment before the due date but I cant because I needed my bank to be change! But they did took very long time to respond! And that is why my XXXX report is late unfairly! I have no choice but to go further complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I attempted to enroll for a one week trial of Equifax for my credit reports for one dollar. The process did not work out online and I was told to call an agent. I spoke with an agent who advised me the service cost {$19.00} but I confirmed multiple times that I was only being billed one dollar for the week trial first. I spoke to a supervisor on XX/XX/XXXX and gave them this information. The agent on XX/XX/XXXX had sent me an email saying I was being billed {$19.00} that I did not open and I was informed about today by the supervisor. The supervisor says that because I was sent that email he can not refund the {$19.00}. I stressed to him repeatedly but I never agreed to pay {$19.00} and that I confirmed with the agent multiple times that I only needed to pay XXXX XXXX  now and {$19.00} if I didnt cancel within a week. The supervisor refused to listen to a recording of the interaction that would have confirmed my statements. The supervisor refused to refund the money that was effectively stolen from me. I demand a lot more trust out of our credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I was in XXXX  for my friend 's wedding on XX/XX/XXXX - XX/XX/XXXX. On the night of XX/XX/XXXX, past XXXX  ( XX/XX/XXXX XXXX ), I made a togo order at " XXXX XXXX '' and made a transaction for {$62.00} when I picked up the food. The next morning ( XX/XX/XXXX ), I found out that I lost my credit card. I immediately checked my bank account and noticed that there is another transaction made at " XXXX XXXX '' with {$260.00}. This one is not a transaction made by me. Soon as I saw that statement, I called the Chase customer service to lock my credit card and reported the {$260.00} transaction as fraud. On the call with the customer service, the customer support representative let me know that it will be removed and I won't need to worry about it. Today, on XX/XX/2022, I checked the bank statement, and found out that the fraud department denied my fraud request recently with a reasoning " you received benefit from this transaction ''. I strongly believe they did not make any action to truly investigate the issue. I am sure there was cctv to prove that I was at the restaurant for only about 3 min to pick up the food which will definitely explain that the later transaction of {$260.00} is fraud. They did not list any of their evidence to prove that I benefitted from the transaction. I also never made any kind of fraud claims, which gives me more validity that I am not making any false claim. If I intended to make a false claim, I could have reported my first transaction of {$62.00} to be also a fraud transaction. But I did not do it, because the first transaction was made by me. I can not accept their rejection reasoning unless they can explain to me what investigation was made and proof of evidence to show that my fraud claim is not valid. I reported the fraud claim the day after the fraud transaction was made, so they had plenty of time to investigate, such as checking the cctv. I wish I can provide more evidence, but they took over a month to investigate and rejected my fraud request and since I do not live in XXXX, I can not provide any documented evidence.

Company response to consumer: Closed with monetary relief