BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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.

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 non-monetary relief
Consumer complaint received 2023-05-18
Company: Frontline Asset Strategies, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a bill from XXXX that was for someone with the same name through Frontline Asset Strategies , LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-03-31
Company: Experian Information Solutions Inc.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-12
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:
The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX  {$110.00} and XXXX XXXXXXXX XXXX XXXXThese following accounts 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C1666B : 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 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 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
To Whom It May Concern : THIS IS THE FINAL WARNING TO REMOVE LATE PAYMENT FOR MY CAPITAL ONE ACCOUNT : CAPITAL ONE- XXXX YOU GUYS ARE BREAKING THE LAW AND REPORTING INFORMATION TO MY CONSUMER REPORT THAT ISN'T SUPPOSED TO ON MY CONSUMER REPORT IN THE FIRST PLACE. 
REVERSE MY LATE PAYMENT TO SAY OK and update my account to never late! 
Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; REGARDLESS IF THE INFORMATION IS ACCURATE OR NOT THE CONSUMER LAW SAYS THAT THEY ARE NOT SUPPOSED TO BE INCLUDED ON MY REPORT. SO WHY ARE YOU REPORTING THEM TO THE CREDIT BUREAUS. 
Late payments are considered a transaction, the law clearly says that they are excluded from a consumer report. If they are excluded from the report then why did you break the law and post them on my report? 

My payment status is illegal to report on credit reports unless I give you written permission to write such things on my report. I did not give you any permission to report this information on my account so why did you report it there. 
PLEASE REVERSE THESE LATE PAYMENTS TO SAY OK FAILURE TO COMPLY WILL FORCE ME INTO LEGAL ACTIONS WHICH I AM VERY PREPARED TO TAKE. 
Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Reverse the above late payment to ok from my consumer report, this agency is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681b.

Failure to comply satisfactorily with the reversal of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I am prepared to take any necessary legal actions if demands are not met. Reverse the late payments for capital one account number XXXX to the status ok. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: W&A Intermediate Co., LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My daughter and I were in a car accident. The person that was at fault insurance paid for the doctor bills. I received a bill stating it had not been paid. I then emailed the creditor & called on many occasions with no response. 

I sent proof of payment ( the check ) I sent a copy of the check that was sent & deposited by the hospital. Still NO response. I then had all the documents sent VIA certified mail. I had copies of all correspondence. and sent a copy of the check. They then called me & I told them I had sent all the information over and over. I then sent all the same documentation to the credit people. this is still on my credit report. I cant understand how this is still on my credit report after sending proof of payment. The wreck was in XXXX XXXX and the bill was paid in full on XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results. 

They need to delete these under my name since I don't know the said accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: KY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Paypal Holdings, Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email from Paypal indicating that they received a request from me to make a payment from my account. I do not have a Pay Pal account and did not request this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent a XXXX payment for landscaping work and got scammed. There was no show and I have contacted the person with no response. The date of the XXXX payment was XX/XX/2023, the day of the service was scheduled also for XX/XX/2023. The amount was for {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Last month I used XXXX XXXX at Capital One to pay my XXXX XXXX XXXX. The total I wanted to pay was {$210000.00}. This was a payment for my husband and my retirement trip. I could not make it in XXXX lump some. I paid XXXX to be delivered by XXXX XXXXXXXX XXXX XXXX by XXXX XXXX, and XXXX by XXXX XXXX XXXX. The XXXX was taken out on XXXX and delivered to XXXX XXXX by XXXX. XXXX XXXX confirmed this. XXXX was taken out on the the XXXX and XXXX and said delivered on the XXXX and XXXX. XXXX XXXX did not get this payment. When I called Capital One they said because of the weekend and XXXX XXXX XXXX it was probably running a little late. I did not understand this. Yesterday I went into Capital One and was told that XXXX XXXX XXXX have these payments. When they checked further they found it was a paper check that was sent by mail and would take 4 to 5 business days. It told them that is not what I was told or how the other payment of XXXX was done. When they call to get a negotiation of funds letter that person told them it might take 7 to 10 days to get he funds. I transferred the money to them back in XXXX and allowed 7 to 10 days for it to clear. They had it cleared and sent. The bank person at the XXXX XXXX in XXXX XXXX - XXXX told me they would pay up to {$100.00} if it was a problem with them. My fees will be a lot more than that with XXXX XXXX. I feel that I have been misled and they are using my money incorrectly. If I had wanted to put my check in the mail I would have done that. Since I have had checks stolen from the mail I do not do that. If I send anything I use XXXX XXXX so it can be traced and I do it overnight. There is no reason Capital One should do this and their employees didn't know what was going on. If I stop payment on the check that will take at least 3 days and my bill will be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2023, I submitted the requisite documentation request for an extension of my Simple Interest Installment Loan. The request was made due to my recent diagnosis with XXXX and a XXXX disorder. I had previously been informed of my eligibility for the extension, but subsequent communication with a customer service representative was not favorable. The representative 's behavior was unprofessional, and I strongly advise that the company consider improving their training. After the unsatisfactory interaction, I was informed that I needed to submit a form to process my request. Accordingly, I completed and submitted the form on XX/XX/2023, providing all necessary information. I was issued a confirmation number ( XXXX ), which indicated that my form had been received and was under review. I was advised that I would be notified of the status within the next three business days. 

I would like to point out that I submitted a promise to pay as well since I was behind on my payments due to the aforementioned circumstances. The cost of my XXXX medication has increased significantly, and it is the only medication that works for me. Despite my best efforts to stay current with my payments and cooperate with the company, I have not received any timely communication from them. I have made several attempts to reach out to them, but to no avail. Given the misinformation I received earlier and my proactive efforts to resolve the issue, I am requesting that my request for an extension be approved promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Violation of XXXX on XX/XX/23 and XX/XX/23, incoming calls from Midland Credit at XXXX and XXXX. Company has confirmed my phone number was on file and associated to an unknown XXXX party through previous conplaint however said the calls were not made despite my phone number on file and attached screenshots with the merchant name and phone number. Refused to disclose business name, refused to answer return call. 

Image attached includes call record of MIDLAND CREDIT at phone # XXXX with call times and dates as previously listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The telephone number on the back of the card takes a person to a bunch of different companies - medical alert, insurance, pest control, addiction specialists but wont reach the actual customer service for Synchrony Amazon card. This number is XXXX. Then, if you search for a number online, the web either takes you to an app that has a robot who cant provide another number. Then if you stay on the app to get a person via chat, they provide the same number and, when pressing them further, provide XXXX. This phone number doesnt work either and goes through a bunch of advertising offers similarly to the provided number on the back of the card until it disconnects me. The app wasnt showing a payment I made 25 days ago and I needed to verify it was received.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : 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 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 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 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid this balance in full in XX/XX/2023. I have asked the bureau to update the file four times now, and provided information from the creditor to show there is a XXXX balance. The company continues to confirm a balance that was from XXXX. They have done this each time.

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 2023-11-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Navy federal credit union closed my account without any explanation. after multiple calls and conversations with multiple representatives still no logical explanation was given as to why my account was closed.

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