BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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:
I discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX  XXXX Balance - ; XXXX XXXX Balance - ; XXXX  XXXX XXXX XXXX FL XXXX Balance - ; XXXX XXXX Balance {$2100.00} ; XXXX XXXX Balance {$0.00} that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,

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 2020-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had 2 credit cards with Capital One Credit Card since XXXX. I opened another Capital One Credit Card Account # XXXX on XX/XX/XXXX. I used the card XXXX, XXXX, XXXX and XXXX. The month of XXXX the card wasn't used and the app stated there was no minimum ( or any payment ) due. A month later when I checked my credit score it said I was 30 days late for a {$3.00} interest charge for the card. The interest charge was never communicated to me and I never received an email the month of XXXX stating that I needed to pay an interest payment. When I called Capital One and stated what happened, they said that they would not take it off of my credit and just to " deal with it ''. I am extremely disappointed because it is greatly affecting my credit and I am unable to get more cards. I have spoken to them a few times and mailed letters and can not get any help. 

Please take this off my credit! I am happy to pay any fee- I am trying to buy a home and this is impairing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent several disputes to this company and I have not received any proof of validation, no reply to my demands or anything. This my third time contacting this company about this account. 

Midland Credit Management Balance {$850.00} Opened XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
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:
XX/XX/XXXXThe furthest I got with the XXXX branch of Chase Bank XXXX XXXX CA, is illegal unauthorized with draw from my first checking account of {$15.00} that was received by the representative and bogus withdrawals from non-ATMs I did not access, credit the account and then reversed it in which my statement now shows a negative balance, overdraw. I initially went into the bank to complain about the illegal activity of numerous hidden accounts on my XXXX chip my Chase ATM statements showed numerous last four digits of accounts of Seperate receipts ( 2 ) on or about XX/XX/, I went to the original branch where I opened the first account relayed this issue and it was suggested to reopen a new checking account and transfer the remainder funds that was direct deposit from SSA, social security administration. In which I complied, it sounded like a solution since my first checking account was compromised. The next day I went back to the branch, XXXX XXXX XXXX, XXXX XXXX, CA. and transfered approx. {$500.00} to savings. There was a balance of approx. {$400.00} of savings previously I the account when I opened up the savings. 
On XX/XX/ I went to the bank to withdraw {$100.00} and had an error balance of {$300.00} remaining when the savings account should have been balanced at around {$900.00}. 
I spoke with the representative the manager at the XXXX XXXX branch and the claims dept. And claims supervisor over the phone all which was of no help and in fact asked me to leave although I am a consumer and it is their duty to rectify financial affairs if in error and regard complaints. My suspicion besides the mismanagement and theft in funds but Non- ATM fees accounted for in my account and skimming XXXX dollar or two or more each time a transaction is made. The only ATM I went to is an ATM in XXXX XXXX XXXX XXXX, transportation located at XXXX XXXX XXXX, I noticed on my statement that there was another similar address one other time. I asked for a full investigation of video surveillance, pin input pattern, forgery in which XXXX XXXX branch denied. 

I would like All Chase Entities and financial institutions closed down until further investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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:
I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX database as well. I filed a identity theft report with the FTC please find attached the identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXXXXXX ran my credit on accident when my father went to their dealership to buy a. truck, i told them they ran the wrong information they told me they cant do anything about it. my credit score dropped XXXX points and i didnt give anyone permission to check my credit, it was a total of XXXX inquiries.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: VA
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:
N accordance with the fair credit reporting act XXXX  account numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.D 1681 section 602 A. States I have the right to privacy.

15 U.S.D 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been sending multiple dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items completely from my Credit file since these items resulted due to identity theft. the last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my Personal Information as well as the ID THEFT REPORT I received from the FTC. I have read enough to understand my rights and it is clear that by continuing the reporting of the disputed Items on my Credit report, the Credit Bureaus have violated this rights. I need the following items removed completely from my Credit report : XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$180.00}

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 non-monetary relief
Consumer complaint received 2022-09-29
Company: CREDIT ACCEPTANCE CORPORATION
State: RI
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 to the fair credit reporting act this creditor has violated my rights under 25 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 166B 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 explanation
Consumer complaint received 2022-09-29
Company: Convergent Resources, 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:
On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named Convergent, the attatched is not evidence of indebtedness. please delete from my 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 2021-09-01
Company: EQUIFAX, INC.
State: TX
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:
EQUIFAX has failed to protect my file and information. I have 3 fraudulent acounts on my credit file. I disputed all three XXXX XXXX, XXXX XXXX, XXXX XXXX. They did remove XXXX XXXX and XXXX XXXX  which are fraud but put them back on 6 months later. You cant delete fraudulent accounts and then put the same accounts back on my file and have no reason. I have addresses i never lived at on file i disputed those and Equifax cant seem to get there stuff together. Their customer service reps hang up on you when you press them about Equifax mistakes and how are they going to fix them. Their dispute process is a joke they are jeopardizing millions of Americans information a on top of that there is major incompetence within its work staff. My credit file is a mess with inaccuracies and fraudulent information on it. I have exhausted all my resources in trying to fix my file. We need another Congressional hearing about this company and there mishandling of my credit file and so many other Americans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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. the list of accounts below has violated my federally protected consumer rights to privacy and confidential information under 15 USC 1681. 

DEPT OF ED/XXXX-Account Number : XXXX DEPT OF ED/XXXX Account Number XXXX XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. states i have the right to privacy. 
15 U.S.C 1681 Section 602 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 7 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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these five unverified accounts as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was patient when it comes to disputing my Credit Report as long as I see progress, but this patience grew shorter over time due to the Credit Bureaus negligence and indifference with their work! I have been trying to correct my Credit file through written appeals requesting the update and correction of the disputed accounts form my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/2022 and up until now I am waiting for the Credit Bureaus to respond. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00}

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 non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. XXXX 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 withoutmy written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2016 I ordered an item from the XXXX XXXX XXXX. I received the item in the mail and didn't like it. I returned the item as per instuctions right away. Right after that XXXX XXXX kept notifying me that I owed them {$88.00} for the item. I kept telling them that I had sent it back to them for a return. This whole incident is now 6 years ago. I now get a letter from a collection agency stating that I still owe XXXX XXXX {$88.00}. 

I returned that item back to them now 6 years ago. I do not owe this debt to anyone.

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 2022-09-29
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX has been charging me late fees forever. I have tried several times to get them to change my payment due date from the XXXX of every month to the XXXX of every month. I get paid the XXXX and can pay the car loan payment every XXXX. They have continuously said that they would change the payment date and they have not. Therefore my payments are always showing up late. and I can not do anything about it. On XX/XX/XXXX I received my next payment I tried to call them again to change the due date and nothing came of it. I sent the payment online on the XXXX but I realized about a week later that nothing was coming out of my bank account I log back in to XXXX XXXX and realized there was an error with my bank account, and I resubmitted the payment therefore the payment did not process until XX/XX/XXXX marking it past 30 days. I have tried explaining this to XXXX XXXX but they have been rude and they are not willing to listen to me. They are very quick to help when they want to get paid, but when I tried to communicate with them that this was an error that I have been paying my car note every month they will not help me and they will not remove this from my or my husbands credit report. They are not being very helpful. I do not agree with they way they have handled this, since this has dropped my credit score XXXX points. That is a lot and it is not ok that this company can do such a thing to a consumer who is making monthly payments every month and there was an error in the processing. I have tried to find proof of the initial attempt but I have none since there was an error the payment simply did not go through the first attempt. They have thrown it in my face that my payments were never on time, even though I have tried to change the due date for a while now. They finally changed the due date to the XXXX once the damage was done because I was very upset, but they are willing to do nothing regarding my credit score and what they have done. I need help in this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
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