BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
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: Account status incorrect

Complaint:
according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting XXXX  if one compnay is reporting XXXX  all of them should report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2022-08-21
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:
in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX account # XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX 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. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.

Because of the violation i would like the following accounts in violation of the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 I drove out from XXXX to XXXX XXXX to visit family. I went to the nearest CHASE ATM in XXXX XXXX to deposit XXXX in CASH that I did not feel comfortable carrying on me and I expected to use that to cover my stay time in XXXX. At the time of the deposit, it was a normal process, I put the money in, took some time to add the amount, I confirmed, it then shot me out a receipt that stated to confirm you deposit went through please call chase customer service number. I was confused. I checked my account no funds were pending or deposited. Mind you its XXXX I started freaking out I have XXXX kids I need to care for with these funds. I tried to call chase but because it was a holiday it was closed. I was able to get a small loan until they bank opened back up on XX/XX/22 to speak with someone. I called customer service for chase explained what happened and all she was able to tell me was, it will be investigated can take up to 10 business days we dont have any other information. Im kind blown, all the money I brought to care for myself and children i am no longer entitled to until they investigate and can take up to 10 days?! This is so crazy, the lady who helped me was not helpful, very rude and hung up on me after saying I am not bout to argue with you. This is so frustrating, never happened to me before. I wasnt offering emergency funds or anything. I was left with XXXX dollars after this happened. I will never trust a bank with my money again! This made me feel hopeless, I also had to find other ways to get money from family because the bank had no explication as to what happened to mine. Unbelievable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is stating that I owe XXXX. This is not my debt, I tried calling XXXX and that number is not in service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX account # XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX 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. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.

Because of the violation i would like the following accounts in violation of the

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 2020-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm in the process of buying a house and when the lender company ran my credit it didn't show a specific credit bureau report ( EQUIFAX ). I contacted them but they seem to not have any of my information about me in their system even when I provide my social security number, nor my full name or my address. My credit does show up in other credit bureaus and I have had multiple credit lines for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Kia Finance formally Kia Motors Finance has charged me a check return fee that I should not have been responsible for as it was an error in their system. I submitted my regular car payment on XX/XX/2023 using the same checking account I have used with them for over six months. Matter of fact when I went to pay online the account and routing numbers were auto filled only showing the last four digits of the account number. Days went by and I noticed my payment had not came out of my account. I called my bank they said nothing had came through for the payment and I had nothing pending. I then Called Kia finance where I was advised my car payment was late and that they were trying to collect a debt. I said I made my car payment why did it not go through. The customer service rep advised that it was returned invalid account number???? How is the account number invalid when I didn't even have to type it in because its been preloaded the last several months. I was also advised of a {$25.00} fee for this. I was advised there was nothing the agent could do other than submit a customer complaint. I then asked for a supervisor in which I was told that there is not one available. That the only way I could speak to a supervisor was by doing a customer complaint and I was told I would receive a callback from a manager within 24 hours. It has been five days and I still have not heard anything from Kia Finance. How is this legal that they get to do this. Also to avoid getting a late fee added on I went ahead and paid the full amount due. Which in return I got a {$7.00} fee for making the payment over the phone. This needs to be addressed as I expect a refund of these fees as this was an error that was no fault of my own. This has to be on the company, There is an issue with their payment system which caused my car payment to not go through. On another note when a car payment is late with them they charge something called " daily interest fees '' which is added to the end of your loan. I can not find any information about it in my contract I signed with them but I am not usually late.

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 2022-04-23
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
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 furnish an account without my written instructions.

15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a country of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.

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 2023-05-11
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had fraudulent charges on my account due to my card getting stolen and I potentially knew who the suspect may have been. I reported it to my bank gave them all the information I had and they asked that I do a police report. I did the police report answered any questions they had and that was it. My bank tells me Im denied because I didnt name the potential suspect to the police. They also said there were no errors on my access code to my debit card. I called back explaining that I believed the information I gave the bank and the police were sufficient for them to work together to look at cameras to see who may have actually used my card. The individual working on my case told me from the beginning that they can deny my claim for nothing if they really wanted to however he felt as though I withholding information on purpose. Overall this put me in a very bad situation financially. Im not able to pay my full rent or car payment at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Medical Data Systems, Inc.
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-08-21
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: Was not notified of investigation status or results

Complaint:
Equifax has knowingly furnished inaccurate information on my consumer report. I have followed proper protocol and disputed the medical collection accounts that are being furnished in delinquent status. XXXX  XXXX XXXX has provided Equifax with second hand information. Equifax did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the three accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to Equifax for reporting purposes. Equifax negligence has undermined my confidence as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and Equifax refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
according to my credit report XX/XX/22 there a several accounts that are showing open on one company and closed on another. that is inaccurate and needs to report closed on all 3 companies. as well as balance reporting zero if one compnay is reporting zero all of them should report zero

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 2022-08-21
Company: Experian Information Solutions Inc.
State: PA
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 contacted Experian, XXXX, and XXXX they are currently reporting negative information on my credit report for late payments. The statue clearly states, a late payment can only be reported on your credit report for a period of 7 to 10 years from the date of delinquency from the original debtor. My loans have been in and out of forbearance and no payments have been made on my accounts since 2009. I have been disputing these with the credit bureau 's continuously and have made no progress. 
XXXX and XXXX are the worst, I have called them on numerous occasions and their online dispute is not user friendly. I have been able to have at least 7 deleted from my report by Experian, they are the same accounts still being listed by XXXX and XXXX so they should be removed from XXXX and XXXX as well. 
I have put countless hours trying to get these issues resolved, the retention time of this information has past and should be deleted from my credit reports. 
I am requesting your help in getting proper resolution into these issues.

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 2022-07-27
Company: OneMain Finance Corporation
State: VA
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:
Onemain financial is reporting that I have a balance remaining my check was garnished account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted XXXX, TransUnion, and XXXX they are currently reporting negative information on my credit report for late payments. The statue clearly states, a late payment can only be reported on your credit report for a period of 7 to 10 years from the date of delinquency from the original debtor. My loans have been in and out of forbearance and no payments have been made on my accounts since 2009. I have been disputing these with the credit bureau 's continuously and have made no progress. 
TransUnion and XXXX are the worst, I have called them on numerous occasions and their online dispute is not user friendly. I have been able to have at least 7 deleted from my report by XXXX, they are the same accounts still being listed by TransUnion and XXXX so they should be removed from Transunion and XXXX as well. 
I have put countless hours trying to get these issues resolved, the retention time of this information has past and should be deleted from my credit reports. 
I am requesting your help in getting proper resolution into these issues.

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 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My account was sold from XXXX  XXXX to XXXX XXXX XXXX. XXXX has garnished my wages twice. Once in the amount of {$70.00} and the second time in the amount of $ XXXX. Even though they have successfully garnished my wages twice, this account is still appearing on my credit report owing {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, 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:
I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681 & they have violated my rights & I demand that the account listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish this account. 

XXXX XXXX Credit Card xxxxxxxxxxxx XXXX This is my third CFPB complaint against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello..on Monday XXXX XXXX i had recieved a Medical Bill from Overton, Russell , Doerr and Donovon LLP located at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and bill stated i owed {$1000.00} and i had failed to pay or failed to make arrangements for payment. It is to my understanding a debt. Collector must give a debtor the right to dispute prove the bill is valid which i never had the chance from this collection Agency i just recieved a bill i owed. I called them today and when i questioned them on why i got this bill and not a right to dispute first. of course i got the answer '' we did send you a notice, its in our computer. '' i argued with them over it replying i never got any notice otherwise if i did i would of called or responded by certified mail right away.I had dealt with a collector before and i know its important once a notice is recieved is to respond quickly as you can.I did research this Company and they have numerous complaints on them. ( XXXX them )

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