BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Collection Technology Incorporated
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My student loans are with a company called XXXX and XXXX XXXX whom I am on a forbearance XXXX. I started working on my credit. My credit report last month showed XXXX XXXX XXXX reported me XX/XX/XXXX Delinquent. I thought that was weird because my loan has not been with them XX/XX/XXXX. It was transferred to another agency. Then two weeks ago I get a letter XXXX. I opened it and it did not have the date they sent the letter to me. Instead it shows a pay due date XX/XX/XXXX and a total balance XX/XX/XXXX. Then they provided an email address that shows XXXX. So I go to that website and XXXX it routes me to a website XXXX. Red flags go up immediately. Then I googled the number they provided XXXX. The number showed up for Collection Technology Inc. This is the company which XXXX XXXX sent my loan to when I defaulted XX/XX/XXXX. They set me up on a program where I paid for a Year straight and my loan was sent back to regular servicing after the rehabilitation program was completed. I do n't understand why four years later they start reporting me negatively on my credit and start sending me bills. My loans are not with them. They are trying to collect on loans that are not with them and reporting me. I work in mortgage and I am trained very well on FDCPA laws. This is a major violation. They are acting and sending letters under the XXXX XXXX XXXX XXXX name. They provided a website like it was a government website but instead it routed to their website and worst of all reporting negatively on my credit for a loan they do not have. I will take whatever route needed because this company is hurting me and violating FDCPA. I am a single parent who is trying to get a mortgage loan and this company is hurting my credit reporting on a debt they do not have. I will take whatever legal action needed to get this resolved.

Company response to consumer: Closed
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: TN
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:
i have ask XXXX, XXXX, EXPERIAN to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove

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 2022-08-29
Company: EQUIFAX, INC.
State: OK
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 been violated as a consumer and human being causing defamation to XXXX and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681. 

EQUIFAX is governed by 15 U.S.C 1681 and they have violated my rights numerous times and I demand the accounts below be removed and NOT UPDATED due to the law. 

According to 15 U.S.C 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Accounts : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They call repeated using different phone numbers and hang up. I am up to dated on all bills. When I call back I have told them numerous times to stop calling but they wo n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Unlock Wealth $
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the loan with Unlock WealthXXXX. To be approved I had to pay {$2500.00}. I paid the funds in XX/XX/2021 and was told that the loan payments would begin in 4 weeks. Months passed and I never received the loan. I requested a refund of my {$2500.00} and was told it was processing, but never received it after numerous emails. They do not have a phone number and has turned off the ability to comment on Social Media. I reached out to my bank ( XXXX  ) but was told too much time had passed to dispute it through them. I have never received the loan OR the return of my {$2500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Byrider Franchising, LLC
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I had an auto loan that I signed XX/XX/XXXX with CNAC. XXXX XXXX my income decreased by XXXX my car payment is {$390.00} for a XXXX Kia Rondo with a total balance of {$13.00} left ( Way over priced ) I have been late the past few payments and have explained myself multiple times to multiple people from this company but they are not willing to refinance. I tried to get another car through another lender and they called to get the pay off balance from CNAC and decided the amount is too much. I received a call from CNAC asking me if I ca n't pay for this car how will I pay for another one. I have asked them multiple times to stop calling me and to just come pick up the car but they continue to call multiple times a day asking the same exact questions and at first I would explain it over and over again but if I say one word different than the previous call they interogate me. For example " It shows right here that you make 3 times the amount of the car payment so why ca n't you pay for it again? I do n't understand because it shows here the last rep you spoke with you told them '' ... .etc.but continue to call multiple times a day asking the same questions from the beginning. It 's becoming harassing and I am now being told okay we will come get the car but the contract I signed I 'm still gon na pay them the full amount regardless so I might as well keep it. They call up to 10/times a day and if myself or my wife do n't pick up the phone they will call all of our references and disclose to them that we have n't paid our car note and are n't answering our phones. I am a XXXX veteran on a fixed monthly income who suffers from XXXX and this has really caused me have my XXXX with terrible XXXX. I am a victim of predatory lending and harassment and would like this nightmare to end. They say the program is here to help but the fact is I came to this loan because my credit was n't great and I really needed a vehicle. But the loan is predatory and the car is n't in good condition I had to drive XXXX miles multiple times to take it to get " fixed '' by the service center right after I got it. And if the program was here to help they would be willing to refinance and not try to force me to pay for something I ca n't afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-08-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was speaking to someone on the phone about purchasing tickets and I sent him money for the tickets as we were talking he hung up and I could get ahold of him. I contacted XXXX immediately about this to dispute and hopefully reverse the transfer. I filed a police report and chase told me they could n't help. I gave this person {$210.00} and will never see it again and XXXX was of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Account status incorrect

Complaint:
The credit bureaus will not fix the collections account for XXXX XXXX. I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: NY
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:
Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus Equifax, XXXX, and XXXX in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus XXXX, Transunion, and XXXX in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.

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 2017-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have XXXX credit cards with Capital One, XXXX card with XXXX limits, and XXXX card with XXXX limit. On XX/XX/XXXX, I attempted to use card # XXXX for an {$8.00} purchase and it was declined. I called Capital One to check my balance. I was told by customer service rep named XXXX that the annual {$59.00} charged to my account. This resulted in {$500.00} over the limit. I requested that Capital One wave these annual fees on all my credit cards because ; 1. There is NO added benefit to any of these cards. 2. I have had a Capital One credit card holder customer since XX/XX/XXXX. And 3. I have XXXX cards with them and they are charging me {$59.00} on each card. 
The XXXX XXXX told me he could not wave the {$59.00} fee because I was over my limit. This was because of the annual fee charge. I do not agree that they should have the right to charge the fee and put you card over its limit, then tell the customer that they can not wave it because you are over your limit. 
Next, I have ask Capital One on another occasion to combine these XXXX cards and their response was that because I had an outstanding balance, they could not do so until they were paid off. I have since realized that these are not written policy but they simply refused because they are gouging me with annual fees and interest. They indicated that the card I have are not eligible for line increases and that to have the annual fee waive you must have a credit limit of {$3000.00} or more. I have applied for line increase, and always declined, poor level of service, never offered any up- grades, even though I have been with capital one since XX/XX/XXXX, my accounts are always paid on time ; even when I have called to dispute a charge or service, I have received push back from Capital One not want to handle the dispute. This is the joke! And equates to predatory lending. I do not think my purchases show go declined while they debit my account for an annual fee and refused to waive it because my account is over the limit due their charges. They also refuse to transfer you to a manager when ask or escalate these issues when ask. 
At this time I am requesting that they combine all XXXX cards to XXXX and refund my annual fees. They do not have the right to levy annual fees for no particular reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: M&T BANK CORPORATION
State: NY
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:
My Complaint is one of FRAUD against XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. 

{$180.00}. was stolen from my checking account without my consent AFTER XXXX discovered HER M & T Bank Teller Made an ERROR and TOOK {$180.00} on XX/XX/XXXX to Pay my, XXXX XXXX XXXX 's Secured Credit Card Bill at the Bank Teller inside XXXX M & T Branch as I did every month. I had no idea the teller withdrew money from the Secured Savings Acccount connected to secure the Credit Card. Only my currently being applying for a new apartment and requesting my financial bank statement brought the matter to XXXX 's attention and on XX/XX/22 MONEY WAS STOLEN without my consent from my checking to REDRESS THE XX/XX/22 TELLER ERROR. I have FILED A POLICE REPORT of THEFT TO NO AVAIL. M & T Bank has REFUSED TO PUT MY STOLEN MONEY BACK and I am in Between apartments. I move INTO NEW APARTMENT on XX/XX/22 but am XXXX and have been ROBBED OF MY MONEY TO EAT AND LIVE. Today is XX/XX/22 M & T Bank are THEIVES OF MY MONEY> XXXX XXXX PLease HELP at ONCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: TX
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:
Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has XXXX not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CORELOGIC 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: Account information incorrect

Complaint:
The creditor agreed to remove off the report once settled. The account is still on my report reflecting negatively.

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 2016-03-25
Company: Jim Bottin Enterprises, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have not ever heard of XXXX XXXX, XXXX - via ABC Financial - phone XXXX. I 'm blocking their calls and putting out " Do Not Call '' advisory. 

I think this is a " collections '' call or a XXXX call - trying to get individuals to call back thinking something has been charged to their account. 

I 'm XXXX years - but, I 'm computer savvy. 

Message is from XXXX XXXX - XXXX ABC Financial - XXXX - XXXX I have not ever heard of them. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation