BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: MI
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 have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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 10 different line items but with the same type of department which is reporting to the credit bureau. Because of the 10 different line items it is affecting me to the degree it greatly impacts my credit score and prohibits me from being able to obtain an apartment. I have asked the credit bureaus and the creditor to remove the duplicate line items from my credit report which to no avail. So I am filing this complaint in an attempt to have the 5 line items removed from my credit report. Items in dispute are the XXXX XXXX XXXX/XXXX - XX/XX/XXXX - XX/XX/XXXX. And the XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX - XX/XX/XXXX. Both departments are reporting 5 line times but are of the same account. Both department accounts are closed. XXXX XXXX XXXX/XXXX has sold the account to the XXXX XXXX XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: BRAZOS LOAN SERVICING
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 status incorrect

Complaint:
Brazos Loan Servicing is reporting multiple accounts as XXXX days past due, all having a XXXX balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from Brazos Loan Servicing indicating I had past due loans. I did not even know I had loans with Brazos Loan Serving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent the court document on XX/XX/XXXX. Then I sent the court document with the third party agency letter on XX/XX/XXXX. 

I sent this to Experian and the company will not remove the inaccurate information. XXXX  and XXXX  has. 

Bankruptcy and all accounts associated with the bankruptcy. I sent documentation showing that the court states it doesn't provide information to the credit bureaus in a written statement. Also sent documentation showing that the third party agency states the bankruptcy was removed, but the bureau still say it's verified. How when the court doesn't provide the information and the third party removed it.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: NE
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:
acct # XXXX XXXX XXXX XXXX CO - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
acct # XXXX XXXX XXXX XXXX XXXX  - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.

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 2019-07-18
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: Account status incorrect

Complaint:
I have a trade line XXXX/XXXX on my credit bureau report. This account reported 30 days late in error. In response I contacted the XXXX XXXX, filed a complaint with CFPB, and filed disputes with all the major credit bureaus. While the disputes were pending, XXXX XXXX processed the correction to the CBR to show the account was never late. Experian and the others ( XXXX XXXX and XXXX  ) updated the file to show that the account was current. A few days later the dispute from experian concluded and they changed the account from current back to 30 days late. I have been trying to correct this with them to no avail. My score has dropped 100 points and I am we are in the process of trying to buy a home. This is causing real damage and needs to be corrected immediately.

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 2021-07-14
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting a robocall 2-5x per day from Advance America asking for someone to pay their debt. That person is completely unknown to me. The robocall ends with saying if I am not the person, please ignore. The volume of calls has become an annoyance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with SYNCHRONY HOME, from a store called Mattress Firm. I  have a balance of about 2300 dollars. Its on a promotion of 24 months interest free. First off, you should know that at my job i get paid weekly, so it is easier for me to budget weekly instead of monthly. So, i calculated by the balance that it would take payments of {$28.00} per week to pay the balance off in less then 2 years time. So i immediately started making {$28.00} per week payments. I have done this same thing with promotions with XXXX XXXX, XXXX, and XXXX XXXX and it went very smoothly, not a single issue. The balance was always paid off before any interest and life went on. Anyway, back to Synchrony. I looked at a statement today ( XX/XX/20 ) and saw that had been charged 2 late fees in the past 2 months. I called them to discuss this with them. I found that they operation on a 23 day billing cycle, and that is why i keep getting late fees. The minimum payment is XXXX ( and paying XXXX per week, i pay XXXX in 4 weeks time ), so i pay 3 weeks and the XXXX is not met, so they add on a late fee. Then they receive my 4th payment, which does not apply to the next payment, just gets deducted from the balance.. The next week is when the next billing cycle starts, and the pattern repeats itself. I am paying more then the minimum amount due each month, but they ignore my 4th payment every month. I have asked them to apply that 4th payment to the next billing cycles payment but they refuse to work with me on this. I believe that this is a shady way of doing business and just a cleaver way to be able to charge people late fees.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In a accordance with the fair credit reporting act XXXX XXXX XXXX XXXX below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section XXXX states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section XXXX causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 2021-11-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase Bank sent me email notice of wire transfer sent on XX/XX/XXXX. 
Unauthorized wire transfer of $ XXXX was noticed and reported on the evening of XX/XX/XXXX. 
I was asked to call another number and called that number on XX/XX/XXXX. 
Initially, I was told to fill out an affidavit and return it within XXXX days and then I would receive an answer within XXXX days. 
I was asked to close the existing account immediately so I went to my local branch on XX/XX/XXXX. 
As of XX/XX/XXXX, I had not received the affidavit and called for an update. I was instructed to go to a local branch to get a printout of the affidavit. In this affidavit, I am instructed to file a police report and return both documents back to chase. Now I am told I would get a response within XXXX days of returning the documents. I filed a local police report and faxed the affidavit on XX/XX/XXXX. 
I called for a status update on XXXX. I was on hold for 40+ minutes and get disconnected multiple times. When I was able to speak to someone, there was no update and while checking for additional information, I was disconnected again. 
When I called on XX/XX/XXXX, I was told that I would get credit in my account on XX/XX/XXXX which would be XXXX business days from my initial report. 

So far, I received conflicting instructions on filing a local police report. I received XXXX different versions of affidavits with XXXX requiring a police report and one that does not. It instead requires a notary. I received conflicting information on when I can expect this to be resolved. Chase bank has not provided temporary credit after XXXX days while this is being investigated. I have not received any update so far during this process. This process by Chase Bank appears to violate rules governing ETF error resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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 is missing that should be on the report

Complaint:
On XX/XX/XXXX I sent a dispute letter to the all credit bureaus Experian, XXXX, XXXX regarding the following accounts. 
- XXXX XXXX - this is not my account- {$3100.00} - XXXX XXXXXXXX XXXX - this is not my account- {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausEquifax, XXXX, and XXXX your credit score will take a hit. The CARES Act, which was signed into law on XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) XXXX XXXX XXXX XXXX Last 4 of account # XXXX XX/XX/XXXX ( XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
This is not the first time. 
Citi provides the return protection, and I filed a claim on XX/XX/2019. I receive the email acknoledging receipt of documentation. 
The email states I should hear back in maximum 14 days ( 2 weeks ).

It has been already 3 weeks, with no updates.

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 2021-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. XXXX XXXX with account number XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. PORTFOLIO RC ( Original Creditor : XXXXXXXX XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX doesn't belong to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have this company this is repeatedly calling about a debt that I am unaware of. The call back to back, from out of state numbers then they call from local numbers. They leave constant illegal messages stating they are with either an attorney or the escalation supervisor and I have the same day to call before they will pursue the matter. I know this is in violation of the FDCPA and they can not threaten to sue via voicemail or unless they actually have intentions on suing. I have several messages on my phone still with them violating my rights. They have even falsely placed on my credit report that previously I had made payment arrangements thru my payroll at a job. All of this information is inaccurately being reported and I am being harrassed at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: National Credit Adjusters, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NATIONAL CREDIT ADJUST Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX National Credit Adjusters claims that I owe {$2400.00} I did not receive any initial letter. Furthermore XXXX subsequent letters requesting validation of this alleged debt have gone without any response. The first letter was on XX/XX/2022, second letter on XX/XX/2022 All Certified mail with XXXX receipt. I Never signed or verbally agreed to any business with that company. However, somehow XXXX verified the alleged debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/2018 there is a 30 day report late company auto-paid and didnt inform payment was returned. Not notification or communication of late payment prior to showing on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i am getting unwanted e mail from capital one, and i would like it to stop. i am on ssi, and so my income is federally protected from any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My XXXX  credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I put in with a outside company for a personal loan, of course I had to give them my personal information, I was told I was approved, then hours later I noticed money in my account, figuring this was the money I applied for, I started to use it, only days later I checked my account and it was negative and after calling the bank was told I had called them to reverse all of my payments made to my creditors, I explained it wasnt me, why would I say I want to reverse all the bills I owe, I feel the bank didnt protect my finances, they shouldve made sure it was me by calling my phone, also voice recognition is what they claim to use, well it wasnt my voice, this is the stupidest action ever to reverse charges because the members ask. Now I can never have another account cause XXXX cant afford to pay this money back. I wasnt familiar with this type of scam, but the bank is and they were of no help for me as their client, they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.C. Systems has damaged my credit and defamed my credit by doing the following : 1. Did not send me communication, informing me of my rights to dispute this alleged debt within 30 days.

2. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor.

3. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.

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 2022-05-03
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019, XXXX XXXX as a successor in interest to XXXX XXXXXXXX XXXX XXXXXXXX. contacted me saying that I owed {$590.00}. My reply to XXXX XXXX as a successor in interest to XXXX XXXX XXXX, XXXX, was I do not owe this debt. I also requested verification of the debt and it was not validated. Currently, XXXX XXXX as a successor in interest to XXXX XXXX XXXX XXXX  with the help of the Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a judgment for wage garnishment. 
I am disputing this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: GA
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 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 instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation