BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: SC
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I made a payment arrangement with capital one auto and I ask the person if I make a payment arrangement will this report negative in my credit he advised it wont and unfortunately it did. The capital one employee agreed that he did tell me the info but I had to file a formal complaint which I did and they refused to remove the late mark because they stated a payment arrangement doesnt stop the late report on my credit which is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CONTRACT RESOLVE GROUP LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Towards the end of XXXX I began receiving very harsh and disturbing comments from XXXX XXXX at Contract Resolve Group. He has called each week 2-3 times a week since XXXX. I asked him not to call in the beginning of XXXX. He was very rude and combative. He contacted my former partner about a debt I owed. I tried explaining to him that in addition to me owing the company XXXX XXXX XXXX monies they had not resolved a bill that they owed me which makes the amount that they recorded incorrect. He went off stating that they owe me nothing and claimed that I was irresponsible and I just didn't want to pay up what I owed. I asked XXXX not to call my phone again and he continuously calls and he also continues to call my former partner to give me messages. He has gone far enough leaving threatening messages that we have saved, he threaten to report me to the IRS, contact a lawyer to sue me, freeze my accounts, and report me to the XXXX XXXX XXXX. I hang up when he calls, he has called from many different numbers including restricted numbers. I have explained to him that I was uncomfortable discussing anything further with him therefore this was harassment. He continues to call. Please stop this abuse of Authority, he is annoying and very disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax used my report improperly and leaked my personal information to the public. Due to their incompetence, I will forever have to worry about my credit being used maliciously and without my permission. 

This is extra stress and suffering that 143 million Americans did not need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX, XXXX, it came to my attention that Equifax has allowed my credit report and information to be exposed to unauthorized parties due to negligent cyber-security practices. Furthermore, as part of their response, they have used a website to goad victims of this data breach into waiving their right to sue via agreeing to arbitration by signing up for XXXX their own ) identity theft protection and credit file monitoring services. 

These are unacceptable practices for a business in which security of consumer data is paramount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Filed chapter XXXX bankruptcy on XX/XX/2012. The statute of limitations in California is 7 years. It has been 9 years and 8 months and Transunion still report this bankruptcy.

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 2019-07-31
Company: JPMORGAN CHASE & CO.
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 have sent several debt validation letters regarding the account with Chase Card and received no response back over 60 to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Self Financial 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:
XXXX XXXX  is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ), 15 USC 1692 ( c ), and 15 USC 1692 ( b ). And I am requesting they provide a debt validation letter and a sworn affidavit within the next 30 days and provide a law that states a consumer has to pay an alleged debt. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: 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 FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This account is inaccurate Please reinvestigate this account and delete this 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 2022-10-03
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Other debt Attempts to collect debt not owed XXXX XX/XX/XXXX XXXX Sent to Regulator FTC XXXX XXXX debt Attempts to collect debt not owed XXXX  XX/XX/XXXX Closed Feed back provided XXXX Other debt Attempts to collect debt not owed XXXX, XXXX XX/XX/XXXX Closed Feedback provided XXXX XXXX reporting Problem with a credit reporting company 's investigation into an existing problem IC System XX/XX/XXXX This problem has been going on and needs to STOP! XXXX continues to send me to different collection companies regardless of previous outcomes. This is ruining my credit falsely and I'm not going to continue to submit what I've already submitted and disputed with each of the listed collection agencies. this is the second time IC Systems in XX/XX/XXXX. Please help me stop these tactics.

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 2017-09-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
XXXX XXXX 2017 My credit history was involved in the recent Equifax Security Breach. The potential impact of identity theft and duration of impact is unknown at this time. Services which we do not have a choice of being involved with should be held to high security standards.
The company waited over a month before informing consumers, and their " help '' website is not secure either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: CA
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:
Equifax credit bureau does Not want show me My credit scorer on there official website, with a message show on there website regarding to my account ( We are temporarily unable to provide your credit score. Please try again later. ) I called Equifax company more than 4 times telling them Please show up my credit score and returning back my credit score, because you deleted it/ wiped my credit score all my years trying to building up, unfortunate they informed me there's nothing we can help you with. because this problem still exiting it's still affecting me with negative way I'm getting rejected apply for loan from XXXX 's because my credit score in Equifax credit bureau does not show up when XXXX 's run my CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: STOCKTON MORTGAGE
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, my bank sent a check for my XXXX payment. At the end of XXXX, I received a letter from Stockton Mortgage the end of XXXX informing me the mailing address for my payments had changed and this payment was not going to be processed. 
On XX/XX/2022, I updated the billing address online with my bank and sent a payment which was processed as an ACH withdrawal from my account. 
On XX/XX/2022, my payment for XXXX was processed from my account. 
On XX/XX/2022 the check that was sent on XX/XX/XXXX, which the letter said would not be processed, was posted against my account. 

On XX/XX/2022, I checked the Stockton Mortgage online dashboard which showed a late payment over 38 days. I called and spoke to a customer service representative who informed me my payments had increased to XXXX and that is why Im showing a late payment. I told her there were 3 payments sent in a 2 week period between XX/XX/XXXX and XX/XX/XXXX which should have covered the larger payment difference and my account should not be reported as late. 

The representative did not show this check ( dated XX/XX/XXXX, which posted on XX/XX/XXXX ) being credited to my account. I was asked to send copies of the payments made and a copy of the check to this email address ( XXXX ). I have yet to receive a response, or any information and they are still showing me as missing a payment. I have followed up by email and phone and continued to pay and for the last 2 month I have been overpaying because at some point someone told me my payment was XXXX, but online it is showing my payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions 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:
To whom it may concern, For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My husband and I applied for a loan last year and bought a home. My information was compromised in the Equifax hack as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: VA
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:
Equifax XXXX and XXXX are refusing to delete 2 accounts that were so inaccurate i contacted them immediately!!! In the midst of this whole pandemic the need to have good credit has rised which means there is no time for erroneous reporting XXXX This Alleged chargeoff has 3 different dates of last activity a sign of re-aging the account further damaging my credit score yet all 3 bureaus swear they have verified the information as accurate. 

XXXX This alleged Mortgage account says late 30 days across all 3 bureaus but the account is closed- with an inaccurate payment grid- I disputed this alleged late account but all 3 bureaus verified it even though the company closed after it went bankrupt. ( XXXX XXXX XXXX ) How??????

Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Medical XXXX Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Medical XXXX Balance : {$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 2017-09-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My personal information was stolen from Equifax. And then I find out, because I checked to see if my information was stolen, I relinquished all rights to sue Equifax and agreed to arbitration. How can a company get away with this? It provides them no responsibility to ensure your personal data is secure. 

So they could setup a fake identity theft service, I get my identity stolen, and because I checked to see if it was stolen I have no recourse in a court of law? How is this legal!!??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is in violation of numerous consumer rights including 15 USC. Documents are attached to this complaint.

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 2022-07-12
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$48000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OH
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:
I have taken basic community college level it security courses and Equifax ( a company I am required to let have my information ) failed to implement rudimentary procedures that I know of. I know have been exposed and have to put additional burdens on myself and my family because of the error they made. I have to pay to freeze my accounts, I have to pay to freeze my wife 's accounts. My information is available forever to any thieves that want it. In addition, the company took almost two months to fess up to the mistake that is XXXX  level and should not be tolerated, let us not forget that top executives in the company were able to cash out stock well before this information became public.

Company response to consumer: Closed with explanation