BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has repeatedly ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Its been 60+ days and they can not properly verify these accounts according Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I 've disputed. Please resolve this immediately as its proving harmful to my credibility and deteriorating my peace of mind. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: NH
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 had a XXXX XXXX  XXXX credit card for a few years. At the beginning of XXXX, due to XXXX, I fell a few months behind on my payments. XXXX XXXXXXXX XXXX offered me a settlement to settle my debt for less than I owed, which I accepted. Before my next settlment payment was due, my financial situation improved due to XXXX and offices opening back up remotely. 
I contacted XXXX  XXXX XXXX and asked if I could get out of the settlement agreement and pay them the full amount i owed. I did not want a " settled for less '' on my credit report and I was now in a position to pay the full debt as agreed upon. I was ASSURED on numerous recorded phone calls that this was an option, and that I had successfully exited the settlment agreement and that I could pay down my card balance monthly per normal. I was also ASSURED the account would not be charged off. 
I asked multiple phone reps to make notes on my account, and confirmed multiple times that our calls were being recorded. Shortly after this resolution, XXXX XXXXXXXX XXXX continued to charge off my account for not meeting the terms of the settlment. 
I have been in contact with them and multiple escalation managers have reviewed the recorded phone calls. These escalation managers, as well as XXXX 's legal team, confirmed I was repeatedly given misinformation on the recorded line that lead to the charge off. 
Despite their admission and error, they refuse to remove the charge off from my account even though I have offered to paid the debt in full. 
This account should have never been charged off. If I had been given accurate information, I could have paid off the debt in full at that time. I was specifically told that I'd be able to go back to making monthly payments, that I had successfully excited the settlement agreement and that my account would NOT be charged off. 
XXXX XXXX XXXX gave me numerous pieces of bad information on recorded lines that lead to this, and numerous REPs for XXXX have admitted/verified this information. 
The charge off is significantly hurting my credit score and my ability to get credit fro other agencies and I want to sue them for the harm they have done.

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 2022-05-06
Company: EQUIFAX, INC.
State: SC
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 US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX,, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-05-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Well my credit card and my email had been hack in XX/XX/2019. Back when capital one was hack. They said they close my account before that happened which that's a lie cause you dont know how long that person who hack in their system. Before they caught them had information. So thing was chang on my personal setting. So I'm not paying I always paid on time. When that happened I was hurt. But they said I got to pay the balance. No way buddy!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt never existed. It was a mistake on XXXX end, my account was opened in XX/XX/XXXX and was always paid in full and was officially closed in XX/XX/XXXX. 

The XXXX employee who closed my account never noted my account. It took approximately six months after my new service was initiated with XXXX to finally shut that account down. 

All of this is documented, and was never a collection in the first place. 
I am demanding that this harassment to collect a non existent debt stop immediately and all debts and information relating to this account be removed from my record at all XXXX US Credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: NJ
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 submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, INC.
State: PR
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:
The following accounts and inquiries have been reported as fraudulent as per police report : The following accounts and inquiries have been reported as identity theft, they have been illegally made under XXXX XXXX name and SS # XXXX : 1.XXXX XXXX XXXX  {$3900.00} 2.XXXX  XXXX {$27000.00} Illegal credit file access due to identity theft : 1.XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is getting ridiculous. TransUnion sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to XXXX, TransUnion XXXX. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by XXXX to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. TransUnion has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2020 i recieved a phone call from covertington credit in XXXX XXXX tx serveral calls about my monthly payment ... .i refiance my loan onXX/XX/2020which i know a payment is due XXXX from the date you get the loan my phine was blown up for a payment that wasnt even due an gon na say we just calling because we know you got your ssi an we wan na make sure we get out money today for your payment due XX/XX/2020 i wan na file a suit againt the company for harassment an trying to scam money from a disable person payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: BCO Consulting Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I was told that I was prequalified for a student loan forgiveness program from a voicemail left by a woman named XXXX. On XX/XX/XXXX, I called the number back ( XXXX ) and spoke with a man whose name was XXXX XXXX from BCO Consulting Services, located in California. During our conversation, I was told I would have to submit monthly payments in the amount of XXXX in order to receive student loan relief. Additionally, I was also required to fill out a Service Agreement form. When I contacted my school XXXX XXXX University XXXX and told them about this, they relayed to me that there was no such thing associated with my institution and it was a scam. Now, this company is charging me {$190.00} monthly. This amount has not yet been charged to my debit card, but I received an email recently XXXX XX/XX/2021 ), indicating that it will be cleared in two to three days. Please help me with this situation. After receiving more insight about this company, I no longer want to be associated with it any further. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent a payment for a replica wrestling belt through paypal and they said they were keeping the money and that i violated federal law by buying overseas.i even called and told them what i was doing and was told the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Today, XX/XX/2021, I received a credit card from Citibank that I DID NOT apply for. I called XXXX numbers associated with the card, both are automated systems and want the last XXXX digits of the card to continue the call. I do not want the card and fear entering the digits will activate the account. I wish I had never received the card and have no intention of activating the card. I wish there was a way to contact a live human being at Citibank. 
In short, my complaints are : 1 ) receiving an unsolicited credit card 2 ) no direct means of contacting the issuer ( Citibank )

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 2022-05-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act the Accounts XXXX XXXXXXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXX ACCOUNT # XXXX XXXX they are reporting to XXXX and Experian 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 explanation
Consumer complaint received 2021-11-24
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear collection agent, I noticed a negative reporting on my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your crediting reporting does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission toXXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Chime Financial Inc
State: FL
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:
XXXX 2021 Chime Credit Card company reported a XXXX dollar balance I paid which they reported it to the credit builder and affected my credit. The time frame to pay it arrived and I already paid the amount. I made a report about it. 


This month they failed to notify consumers they were closing out statements on XX/XX/2021 instead of the XXXX which is the end of the month. They changed their due date and decreased the amount of time people have to pay their off balances. It is understood that they can change their due dates but proper notification should be required consumers can make informed decisions about their spending habits. I have other credit cards their due dates change but they notify in advanced not change it and give approximately 1 day to pay. That is a unfair practice and it needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/2016 I sent a dispute letter to Equifax via certified mail regarding my XXXX XXXX account # XXXX. I received an Equifax signature confirming receipt of my letter. In my letter I disputed the accuracy of the delinquency reporting of this XXXX loan and requested that the account be removed from my credit report. I called Equifax on XX/XX/2016 to check the status of the dispute and Equifax informed me that they made a mistake and never submitted a request to XXXX XXXX to dispute the accuracy of the delinquency reporting. The Equifax system did not register the dispute properly and they only contacted XXXX XXXX to verify that the loan has been transferred to another lender ( this information was not part of my dispute ). Even though I submitted my dispute over 30 days ago Equifax will not remove the XXXX loan account from my credit report as requested. Instead they want another 30 days to contact XXXX loans, even though my dispute was properly submitted and Equifax confirmed receipt. In accordance with federal law, this account should be removed from my credit report since it has been 30 days from Equifax 's receipt of my dispute. If Equifax wants to correct their system error and follow up again with XXXX XXXX to submit the dispute properly that is their option, but that does not change the fact that in accordance with federal law Equifax had 30 days to investigate my dispute, they have not received information denying the facts that I stated in my dispute letter within that 30 day period and the credit report should now be changed to reflect the facts stated in my dispute. I can not wait another 30 days for them to get this right because I am in jeopardy of losing a house that I am trying to purchase because my credit report is inaccurate. I should not be penalized and suffer these consequences because Equifax did not handle their investigation properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Investigation took more than 30 days

Complaint:
I sent in my complaint to Equifax XX/XX/2021. Equifax signed for my complaint XX/XX/2021. By law, theyre given XXXX business days to block the fraudulent information resulting from identity theft. 

Today at XXXX I called Equifax and Ive spoke with a manager named XXXX at Equifax XXXX XXXX XXXX, located in XXXX, GA badge # XXXX. He informed me Equifax does not have to block fraudulent information unless they're provided XXXX pieces of information from the consumer. 
XXXX. Social Security card XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer The law states otherwise. XXXX XXXX XXXX state only numbers XXXX is needed. 
XXXX. Drivers license XXXX. Proof of address XXXX. XXXX Report XXXX. XXXX from the consumer I asked XXXX where I can find this information in which he told me, and he stated '' the information is internal here at Equifax ''. Being as so, me as a consumer would never have access to this information being that I'm not an internal party to Equifax. I can only go off the laws set in place to protect the consumer, which Equifax seems to contradict. 

Equifax has come up with their own rules in the procedure to block information resulting from identity theft and it is contradicting the law XXXX XXXX XXXX. 

On top of that It has now been over XXXX days, and I have not received any response form Equifax in regard to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Someone sent me {$1900.00} via the app Venmo on XX/XX/XXXX. Venmo requested additional documentation from both of us. I submitted mine immediately and they requested it again. I resubmitted it. They sent a message stating that if they did not receive both of our documents that they would cancel the transaction and refund her money to her. The sender is XXXX and had difficulty sending in ALL things, so I asked them to cancel out the transaction and return her money to her. They would not. It has now been almost 3 weeks and they still will not return her money to her. She has since submitted all documents and they state the license is blurry ( i looked at her email, it was not blurry at all ). They are refusing to cancel the transaction and give her back HER money. They should NEVER have drafted the funds in the first place if the account setup was not complete, instead of taking her money and not allowing either of us to have it. Now they are holding it hostage and this is unacceptable.

Company response to consumer: Closed with non-monetary relief