BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
On XX/XX/ I reached out to start negotiations to settle charge off, on XX/XX/ I received a response and was offered a payment plan I accepted. Took a couple days to set up and was imminently charged via my XXXX for the first installment of the payment of 3. I reached out to the person that was emailing me to get a copy of the documents signed for my records. On XX/XX/ I received and email saying I chose the wrong settlement however I was given 2 options, and they stated that I should of paid more attention to the documents as they dont have copies of what was signed. 

I dont feel this is the complete truth due to the fact that they wanted me to take a different amount, and dont want to honor the contract signed for 3 installments to settle chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my Capital One Platinum Credit card ( closed as of XXXX ) I am enrolled in a hardship plan. 

Things are very difficult right now economically as I'm sure you are well aware. I'm trying my best and making a good faith effort, but it's tough. 

I entered into a 3 month payment plan ( see attached image ) with a monthly payment of {$120.00} On XX/XX/XXXX I made that automatic payment and was immediately charged a {$40.00} Past Due fee. ( see attached image ).

I was confused and realized it had to be some mistake, as I have entered into the payment plan. I acknowledge that interest fees still apply. But I WAS NOT LATE with my payment. 

I contacted support and they informed me that even though I am on a payment play IT IS NOT THE MINIMUM PAYMENT! 

That I would be charged a {$40.00} fee for PAYING THE 'HARDSHIP PLAN ' amount and NOT ADDING IN THE EXTRA. 

So that even though I'm enrolled in the plan, at the amount that they offered, they will charge me {$40.00} a billing cycle because it is NOT THE MINIMUM PAYMENT. Effectively keeping me trapped and charging me more and more I ask how is this not some type of fraud and deceptive behavior? How is this predatory behavior allowed to exist? 

This needs to be fixed and I need some resolution and help here because this is NOT RIGHT. 

I acknowledge that my credit situation is less than optimal ( medical reasons ). And I am attempting to get the ship righted. 

But how can ANYONE, with such obvious deception and predatory tactics, hope to get financially 'out-of-the-hole ' when Capital One is using 'bait and switch ' behavior on those trying to do the right thing? 

I need a resolution to this so that my agreed upon amount isn't being hit with 'late fees '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXX, And Equifax are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, XXXX XXXX, And Equifax do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, EquifaxXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed disputed in XXXXXX/XX/XXXXXXXX about my student loans ( all ) and XXXX, which had an erroneous, but corrected 30 day late. I then sent letters and documentation in XXXX of XXXX to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. I noticed Equifax then if they did not correct that it was defamatory and I would institute statutory complaints and litigation. I sent a DEMAND they correct. I never heard anything back. I recently, in XXXX and XXXX of XXXX, sent Equifax the attached letter by XXXX Mail, and also filed disputes regarding the student loans XXXX XXXX XXXX XXXX ; US Dept of Education, Dept of Education, et al ) and the XXXX account, which despite corrected information still showed 30 days late. XXXX has had corrected information, and XXXX still had the improper information regarding XXXX which they finally corrected. I have sent emails to top personnel at Equifax in their Corporate Counsel with no reply, acknowledgement, results. They have fixed the XXXX 's item, but not the student loans, which are outdated, incorrect, and reported everywhere else as " paid as agreed/never late '' because they clock started ticking on them in XXXX or XXXX. Equifax has been willfully negligent to malicious in how they are defaming me, causing me pain, suffering, defaming me, and causing me grief and aggravation, and delay. The many ways that a erroneous reporting of credit has harmed me, and they have had every opportunity to correct the items, but have failed to do so. I have satisfied every statutory requirement for notification and demand for them to correct these issues. 
AS YOU CAN SEE FROM THE CREDIT SCORE DISCLOSURE ATTACHED, MY EQUIFAX SCORE IS MUCH LOWER BECAUSE THE FED LOANS ( STUDENT LOAN ACCOUNTS ) ARE STILL THERE IN ERROR DISPITE SEVERAL DISPUTES AND CORRECTED INFORMATION PHYSICALLY SENT TO THEM. 
XXXX of XXXX XXXX 's drops autopay and causes late, which they report, then FIX with all three CRAs in XXXX of XXXX XX/XX/XXXX Equifax is given a dispute on the XXXX account and all student loans, which are past date they may be reported, and were forgiven being reported as paid in full, as agreed XX/XX/XXXX Equifax is sent documentation on XXXX 's account and Fed Loans XXXX XXXX XXXX Disputed are made regarding XX/XX/XXXX and Fed Loand ( Dept of Ed/US Dept of Ed XXXX XX/XX/XXXX Disputes are repeated after 30 day allowance to correct XXXX of XXXX XXXX 's account is finally corrected, was told student loans were, but they were not XXXX of XXXX Student Loans still show lates, causing artificially low score XXXX? XXXX Equifax is sent demands to correct, contact, fix issues, emails sent to highest levels of Corporate Counsel of Equifax and numerous attorneys in the company, no proper response given. 
Equifax has been completely noticed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2021 To whom it may concern : I, have tried on numerous occasions to correct the incorrect discrepancies on my credit report that are older than XXXX  years and/or incorrect data. I have attempted via online dispute ( s ) and direct contact ( s ) with your company to correct the data.

I am attempting once again to contact a dispute supervisor in order to remove the incorrect information from my report that is older than seven years old and/or incorrect as the Federal Law mandates www.consumerfinance.gov/learnmore. 
I am currently unable to obtain safe and secure housing due to the incorrect data on my report, which deprives me of my Fifth Amendment. 
The following apartment had/have several XXXX  department city and county violations of inhabitable conditions within XXXX XXXX XXXX Texas. The violations are numerous and very grossly like a third world country. I have made several attempts to contact this slumlord with no avail. 

XXXX. XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Appointments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX 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, TX XXXX Phone : XXXX XXXX. CODE XXXX XXXXXXXX XXXX XXXX Phone : XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX The above apartments had/has several XXXX  department city violations of inhabitable conditions within XXXX XXXX XXXX XXXX XXXX XXXX Texas. The violations are too numerous and very grossly like a third world country. I have made several attempts to contact this slumlord and removing the item from my credit report with no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX : {$41000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-10-20
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed on my XXXX credit account today a creditor, Barclays XXXX on my account. Barclays Bank-Delaware account was said opened XX/XX/23. XXXX Acct #. I called Barclays Bank-Delaware and they reported they could not help me without an acct number. 
I filed a dispute report with XXXX XX/XX/23. Dispute Report # XXXX. Was referred to XXXX. This site referred to your site, given the nature of my dispute. 

Credit card company told me to call XXXX referred me to XXXX who referred me to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

XXXX Credit Card - Balance of {$5000.00} - Acct # XXXX XXXX XXXX Credit Card - Balance of {$1400.00} - Acct # XXXX XXXX XXXX XXXX  - Balance of {$4500.00} - Acct # XXXX XXXX XXXX - Balance of {$3100.00} - Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my SAVE plan application to Nelnet in XXXX. As of XXXX they have yet to approve it or let me know what else they need to process it. They refuse to answer any phone calls - wait times are 5+ hours and have not replied back to emails I have sent. They have turned off any social media messaging so there is no way to contact them about this. They placed my loans under forbearance instead of communicating with me and by doing so - my interest is accruing daily. If they simply process my SAVE application, this interest would not be accruing. I am simply trying to make payments but no one will reach back out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Certain accounts on my credit report have been connected to identity theft without my explicit authorization, including my signature. I've previously raised this issue with your organization and am now making a formal request for the prompt removal of these accounts from my report. Their presence has led to substantial emotional and financial distress as they inaccurately reflect my credit history and responsibilities. If this matter is not adequately addressed, I am fully prepared to take legal action to safeguard my rights and seek a resolution. These fraudulent entries on my credit report have impeded my ability to achieve critical financial objectives, such as homeownership and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. XXXX claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and 86 addresses as well as 4 different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. XXXX XXXX rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. Equifax has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief