BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
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: Information belongs to someone else

Complaint:
Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: JPMORGAN CHASE & CO.
State: IA
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:
Chase is not reporting accurate information. If Chase was reporting accurately, my reports between XXXX, XXXX, XXXX, XXXX  would all be IDENTICAL. I have disputed 3 or 4 times with XXXX and they do nothing. I have disputed with the other 3 credit bureaus and they do NOTHING. I have disputed with Chase several times and they do NOTHING. I have file complaints with CFPB and YOU DO NOTHING TOO. 

Attached is the XXXX payment history. Please explain in DETAIL the below FACTS. 
XXXX, XX/XX/XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau. INCLUDING XXXX of XXXX has a different payment report than XXXX, XXXX, XXXX, and XXXX. How does Chase report XXXX of XXXX different to 4 credit bureaus? How does Chase say they are correctly reporting, after probably over 20+ disputes with every credit bureau and through Chase directly, if they have 4 different reporting for 1 MONTH. HOW IS THIS POSSIBLE? 

XXXX, XXXX, XXXX of XXXX has a different payment report than 1 other credit bureau, and XX/XX/XXXX is different than 2 others. 

How is the Account Status 30 days past due when I do not have an account with Chase? The other 3 credit bureaus are reporting account status CLOSED. 
How is it past due when there are 2 other credit bureaus reporting payment was made in XXXX? 
How was last payment made on XX/XX/XXXX when there are 2 other credit bureaus saying I made payment in XXXX? 

DELETE THE ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A so called friend of mine asked if I could help him cash a money order that his parents had sent him for XXXX. It was for XXXX and supposedly it was a XXXX gift. I said sure not thinking anything of it because he was my friend so I cashed it for him XX/XX/2019. It cashed no problem no questions asked. Two weeks go by and on XX/XX/XXXX chase bank returned the check saying it was fraudulent and it had been altered. So my bank account is now over drawn and I simply dont have the money to give the bank to make it right nor do I think I should have to I was a victim of fraud. Ive talked to the bank several times and they tell me its up to me to make it right and pay the account back. I was already in financial crisis when this happened Barely getting by. I just think this is unjust and do I cant even get another bank account now and that in itself has made my life very difficult. What can I do help plz

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: DISCOVER BANK
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:
XXXX Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my Discover Credit Card. 

XXXX XXXX XXXX is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX, then I suffered from XXXX XXXX and still is suffering from XXXXXXXX XXXXt. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad sickly all the time coupled with XXXX from taking XXXX Drugs. The reason that I was not checking the charges of my Discover Card. 

I am a XXXX old proud Retired  XXXX XXXX XXXX that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- XXXX Credit Report which has affected my Quality of Life. I have a lot of charges in my Discover Credit Card due to these Illegal Charges. 

I already filed a complaint with Discover who credit back the monthly charges, but later on, Discover recharged my account again siding with XXXX. 

I called Discover and filed a Dispute, but they will recharged these Experian Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: FL
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 6 rounds of letter to the credit bureaus, and they have not give me answers. I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an original debt with XXXX XXXX acct. opened XX/XX/XXXX. In XXXX the account was closed with a high balance of {$290.00}. The debt was purchased my portfolio recovery associates , llc on XX/XX/XXXX. The debt buyer re-opened an aging debt on XX/XX/XXXX. I never open a new line of credit with this company, but I have two debts for the same account with different payments on my credit report. Because I am unsure of my rights and the laws I called and made a payment arrangement after attempting to dispute the debt and requesting validation. I was assured that the information was accurate, but it doesnt seem legal that this company can buy an old debt right before the statue of limitation is up and restart the aging process. Can your division please assist me with this matter. Original XXXX XXXX account ending in XXXX. Debt buyer account # XXXX. I am a consumer that is trying to correct my errors but feel that I am being taken advantage of due to my ignorance of the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  account no. XXXX ..... 

is not mine do a complete re-investigation XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX XXXX account no. XXXX .... is not mine does not belong to me

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 2017-09-23
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:
I am extremely upset about the lack of protection i have been offered by equifax after the whole " hack '' fiasco. Now, not only i have to be constantly monitoring my credit but also pay from my own money for services to ensure my personal information is not being used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
filed chapter XXXX discharged in XX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 Account # 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 an 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 2020-03-05
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed AArgon a letter asking them to validate this debt but instead, they sent me all of my medical history. I did not give this company authorization to have personal medical history. My rights have definitely been violated. What happened to HIPPA??? i want this deleted from all credit reports

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 2017-05-30
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On   XX/XX/XXXX , I  went to the gas station to fill up a loaner while my car was repaired. Much to my surprise my card was denied.     Another customer told me there 's was also so I assumed it was the gas station and went down the street. The same thing happened but this time I decided to call    XXXX   XXXX   be cause I was in a rough area. Much to my surprise I was told my account had a hold and given a toll free number to call! I called eight times and only reached voicemail - finally I left a message.     The following day I called again - this time I reached a person. I was advised I had a tax debt to the State  of  XXXX    fro m  XX/XX/XXXX ,  XX/XX/XXXX   and  XX/XX/XXXX . Is n 't there a statue of limitations? Do n't they need to advise me?     Not to mention I live in  XXXX  now.     The representative asked me how much was on hold and where I banked. Assuming they already knew, I gave her the information. The representative told me the only way she could release the hold was if I paid in full by credit card.     I tried to reason with the representative and explain the hardship - that coincidentally my lights were cut off and I was already experiencing financial hardship after the death of my mother. Can I make payments? No.     Regardless, that they took every dime I own.     I hung up the phone and called my bank as well as the State to no avail. While I spoke to the bank, I pulled up my bank account and noticed a debit for {$1200.00}. While I was asking for an arrangement the representative processed a debit!     Surely, this can not be legal!     To  imagine the State of    XXXX   allows malicious collection activities at the discretion of  Premiere Credit!      I can not explain the hardship this has caused - currently I am unable to pay m y  XX/XX/XXXX  re nt, I borrowed a payday loan in order to restore my electric, my car payment was past due ( fortunately they deferred my payment ) and my car insurance is due. I attempted to prevent my next check from being direct deposited but it appear s it may not have  been processed - so they will consume another {$1500.00}!     I just received a notice from  XXXX  about the hold/levy o n  XX/XX/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 explanation
Consumer complaint received 2019-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After 30 months of making on time payments, I missed 2 & they closed my account. I requested a reconsideration. The said no, kept my deposit & interest then demanded I set up a payment arrangement for interest & fees. It's not fair. I contacted Capital One & told them I was having financial issues. They said it would not be a problem. Then when I made a payment they accepted it & closed the within minutes of accepting the payment. Do being a good customer with a perfect payment history not count for anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: EOS Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was a XXXX bill that at least over 8 years old. They say that their client 's name is US Asset Management , Inc. EOS CCA and US Asset Management , Inc are the same company. 

I disputed the debt and it is still on my credit report with XXXX. 

XXXX ( XXXX, IL ) was trying to collect on this debt before. My guess is that they sold this after it went beyond the statute of limitions on collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As you can see in my original and continued documentation that I sent repeatedly to Transunion, they have violated the FCRA by not providing me the proof of validation of the incorrect information reported on my credit report. 

I want the incorrect items deleted or I am pursuing legal remedy.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had ordered satellite service from XXXX. I took off work to be home when they made the connection. They did not show up. I notified them that I no longer wanted their service, Four days later while I was at work, they showed up to make the installation. I had a house guest present who knew nothing about the situation. She was tricked into signing for what she thought was certification that the installation was made. I never did sign anything, and my houseguest certainly can not sigh for me. I went through the whole difficult process of returning the equipment, which they denied receiving, until I produced the XXXX delivery receipt. They turned this in to XXXX who removed it from my credit, after I informed them of the situation. They now have used another collection agency, who turned it into XXXX, where it is on my credit again. This after I notified them with all this info. I believe that they have violated the law in this instance. This company is corrupt, and they attempt to keep customers trapped in a contract for inferior service with these despicable tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Citi Bank XXXX XXXX Broke State laws when they failed to offer me extended extensions on payments due to covid-19. They also illegal reported negative information ( Missed payments ) This illegal to currently report the credit bureaus under the current state laws due to the pandemic.

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 2016-03-16
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have a debt collection on my account who I do not have any idea who this company represent. I request this debt to be removed from my XXXX credit report.

Company response to consumer: Closed with explanation