BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I HAVE DISPUTED MY CREDIT REPORT WITH XXXX FOR MONTHS NOW AND THEY WILL NOT CORRECT MY CREDIT REPORT. THE FOLLOWING ACCOUNTS ARE INCORRECT ON MY REPORT -STUDENT LOANS - STUDENT LOANS ARE REPORTING AS LATE. I WAS XXXX AT THE TIME AND MY PAYMENTS WERE DEFERRED. YOU CAN NOT HAVE LATE PAYMENTS IF THEY ARE DEFERRED BECAUSE NOT PAYMENTS ARE DUE - THIS CREDIT REPORTING AGENCY HAS CLOSED ACCOUNT ON MY REPORT FROM XX/XX/XXXX. BY LAW, THESE ACCOUNT SHOULD HAVE CAME OFF OF MY REPORT IN XX/XX/XXXX ( 7 YEARS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I stayed at an XXXX, that had a lot of safety issues. This property host failed to disclose that dogs were on the property. There was XXXX  XXXX everywhere I am highly allergic to dogs. According to XXXX policy, you can submit for a refund for a unsafe experience. It landed me in urgent care and I wound up paying over {$500.00} for medication because I was out of state. I submitted pictures, and proof/receipts and documents to XXXX first to resolve the issue and they ignored me. I then disputed it with my credit card company. Each time they issued me a credit of the amount, and then they would take the disputed amount back. This has been going on for almost 4-5 months of going back and fourth. I also provided them with proof of everything that they needed and they kept asking me for the same proof that I already provided. My credit card company then told me the only way that I could get a refund is if I provide them with a second opinion from a different company. I reached out to multiple companies for a second opinion and no one reached back out to me and my credit card company only gave me a certain amount of time to do this. I dont understand why my credit card company would not back me up with this especially if I took the proper measures of disputing. My dispute still has not been resolved, and right now my credit card is incurring fees because of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System Inc. has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX ( Pursuant to 15 USC 1692c ( b ) ). IC System Inc having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.

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 2016-10-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XX/XX/XXXX, I disputed a Judgement from XXXX district court for a Judgment from a Utility company. I called the court, and i also showed up in person. I inquired about the verification process to the credit bureaus, as well as the judgement there is no Judgment of any kind against me, or having to pay any judgment. I then mailed Equifax 2 to 3 times giving them the opportunity to correct this entry, Equifax has openly refused and willfully continues to leave derogatory information in my credit report. the negative items are damaging my financial life. I do n't have a lot of files to support this due to Equifax making it a must to correspond/ reply online and the result are only available for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: IL
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:
I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
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 have been disputing Medical Data System from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to 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 2020-11-13
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Applying for a re-fi of mortgage. Tried to temporarily lift credit freeze so loan company could verify credit. Equifax was unable to " match '' my personal identifying information either via their automated telephone service or their online system, so I was disconnected. On XX/XX/2020 I finally reached a live person at Equifax who indeed verified that all information did match, but was unsure why their system could not verify. She temporarily lifted the freeze for 5 days as requested and sent me a copy of my credit report. She suggested I send a letter with copies of my SS #, Drivers License and a utility bill to them so that the proper department could investigate to resolve the problem. On XX/XX/XXXX I mailed the letter with all information requested. Today, I called Equifax again to try once again to get the credit freeze lifted temporarily, and again ran into the same problem. Once again I spoke to a live person and was told that the letter I sent 5 weeks ago was never received! I faxed the letter and all backup requested again to them today ( XX/XX/2020 ). As my mortgage company now needs to verify my credit one last time, I asked if they could once again lift the freeze temporarily. He refused, I asked him to speak with his supervisor to see if it could be done again as it had been done before back on XX/XX/XXXX. He asked me to hold so he could check, and then the line was cut off. I had been on the phone for more than one and a half hours at that point. Equifax has been a nightmare to deal with. The call tree hangs up on me, their people are uncooperative and it's obviously their mistake somewhere and they can't seem to get the situation resolved. Meanwhile, I am unable to refinance my mortgage which I need desperately to do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/XXXX I have sent multiple letters to servicers to get this loan off my credit with no results and then after that every month I had sent a subsequent letter to try to get it take off

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 2021-07-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is not mine and has never been. It keeps getting sold every time I dispute it and they can not verify the debt so it seems to never go away and is negatively affecting me. 

Plus the original date that this first started showing up was over 7 years ago. Every time they sell debt they change the date to current.

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 2015-04-15
Company: ALLY FINANCIAL INC.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I sent money by XXXX to ally auto financing in XXXX XXXX 2015 and they will not apply the XXXX payments totaling {$630.00}. I only have XXXX more payments to pay it off and they are threatening to take the vehicle. I have talked to them several times to try and resolve this, but they will not apply the money. 
What are my options?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about XXXX and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said XXXX and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Foris DAX, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Since opening my crypto.com account and putting in a total of {$7300.00} usd i was to have a 30 day grace period free of fees i am still in this fee free period. 
i noticed every time i sold a currency the amount i keep being short was about {$350.00} to {$400.00} dollars so i started taking screen shots of my account based on current trading price and enter a sale and at this point you can see what you will receive i take another screen shot whithin seconds and see the amount i will get. 
Everytime the short fall of funds are consistently short recent examples are all on the same cryto- {$400.00}, - {$390.00}, - {$390.00}, - {$380.00}, - {$400.00} These examples cover XXXX and XXXX and i will continue these tests. I have traded stocks and options for 30 years i understand volitity and effects on bull to sell orders but when the trend has been upwards its still a loss, The crypto i was referencing was SPELL crypto which was averaging {$75.00} million dollars over prior 24 hr period thats why i did several test of current balance to balance if i completed a sale which shows on sale screen. 
I feel there should be a limit sale offered to control your sell point to prevent this man. 
And there should be a human in their ccustomer service dept to talk with instead of a short list of Which of these are your problem. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below 1. XXXXXXXX XXXX XXXXXXXX 2. XXXX OF XXXX XXXX 3. XXXX XXXX 4. XXXX XXXXXXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. 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 2016-07-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has claimed that account details have been verified without any documentation in regards to accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX yet I am the only party providing documentation against all these fradulent accounts. I would include XXXX XXXX but I will take Equifax at their word when they claim that this account is no longer on my report. I have provided a settlement agreement to Equifax reguarding XXXX XXXX XXXX when I used ther representative in court and the settlement clearly states that this debt can never be collected on by anyone, yet Equifax reports this because someone says so. XXXX XXXX XXXX has refused to provide any agreement in regards to this account, yet Equifax reports them because XXXX XXXX XXXX says so. XXXX XXXX XXXX has never stated what was on this account and if it is a computer, has never tracked down where this computer is, yet Equifax reports it because XXXX XXXX XXXX says so. XXXX XXXX XXXX has changed the address and names on the reported account, yet Equifax reports this because XXXX XXXX XXXX says so, XXXX XXXX XXXX claims to have filed a document that reports their account as income, yet Equifax reports them because XXXX XXXX XXXX says so. I am the ONLY party providing documents yet these accounts are reported because someone says so. I am including a letter from XXXX XXXX XXXX through the CFPB showing that XXXX XXXX XXXX claims to have filed a XXXX and that they are holding my credit ransom on a fradulent account by continuing collections, I will also provide a document from XXXX XXXX XXXX that shows a second name and that the name is my wife 's yet her maiden name is on it, almost a year after we were married on XXXX XXXX, 2012 and after my wife did change her name at a XXXX XXXX XXXX branch in XXXX Virginia XX/XX/2012 with a social security card and a drivers license with her married name on it and provided a copy of her card to Equifax. This is the last time documents will be sent before I file my lawsuit against Equifax. I have tried to keep this out of the courts but Equifax refuses to give me a fair investigation. Name, Address, Social Security Number, and Date of Birth being provided by a company is not the result of a fair investigation, as someone had this information to set up these accounts. Everything else that was reported months ago had shown fradulent activity and were removed so what makes the last XXXX accounts different as these other companies also said my information was on there but the accounts were fradulent. 6 days until court papers are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a total of 3 medical collections account from XXXX XXXX XXXX removed. However, there is still one collections on there for the Physician. I do not understand how this is still there. If 3 were moved and deleted why am I charged for a Physician for one of those accounts that was incorrectly place on my credit report and been there for months hurting my score..I wasn't treated my a XXXX XXXX and didn't pay. I've always had medical insurance for the most part.. The collection was sold to Transworld XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Dyck-O'Neal, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
in 2012 I entered into a " settlement note '' whereby I would pay {$100.00} a month for 100 months in exchange they would release me from my personal liability for a mortgage that was in foreclosure. We signed all the papers and I began making my payments. After a few months I began to inquire about the release document and was told that it was forthcoming. after that I was told I would have to get it from XXXX. Than I was told to get it from fannie mae all along I continued to make my payments timely. After a few years I was informed that the lender pursuing the foreclosure was going to pursue a judgment against me personally as part of the foreclosure. My lawyer explained that I had been released already and they said not to there knowledge. I than called again and after alomost four years was told that there was a mistake and they were refunding to me my payments. I explained that they had to leave up to their side of the bargain and they said no. It was n't their problem.

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 2016-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
We. File. Bankruptcy. In. 2011. All. Been. Cleared. XXXX. It 's, from. Equifax. A. Credit. Card. For. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: ACIMA CREDIT, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have identity theft problems, it turns out that they opened a credit card account with the ACIMA OR ACIMA LEASING company with my documents, I reported and sent them the identity theft document saying that someone opened a secured card and left it to pay with my information Now the bank reports late payments and tried to solve the problem and for the bank to delete that account since it is not mine, I was able to get the account number with the credit bureau and made several disputes but when the credit bureau did the investigation and they contact the bank claiming that it is mine but they do not send me proof since I had an identity theft and I let them know. 


THE NOMBER IN MY CREDIT REPORT IS ACIMA CREDIT FKA XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I'm an American Express Serve cardholder. I receive weekly direct deposits to this card in the amount of {$72.00} with the most recent being due to post tomorrow in XX/XX/2020. I also just filed my income tax return and it's directed to go to that card as well, any day now. I've been trying to call this company for days now and have been on hold for XXXX hrs XX/XX/XXXX and XXXX today XX/XX/XXXX. I'm actually holding right now as I'm filing this complaint. I've tried calling the regular American Express, but they said they couldn't help me. They pretty much just went out of business and stole everyone 's money. Something has to be done, as us consumer 's don't know what to do. Please help me.

Company response to consumer: Closed with explanation