vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I had a legal name change in XXXX, and in order to update my name with Equifax, I had to File a Dispute through myEquifax.com, and so I did. I created an account and uploaded copies of the court order, my driver 's license, birth certificate, and social security card on XX/XX/XXXX and I received confirmation that my name was updated on XX/XX/XXXX. 

It was at the time I noticed that my address wasn't updated from a previous address. I tried to call them to update my address and was given the following instructions : send a copy of your Driver 's License, social security card, and a COVER LETTER to a XXXX XXXX XXXX Georgia. 

My complaint involves this lapse of logic that Equifax is pushing on me. How am I more easily able to update something complex like my name, by way of uploading documents through myEquifax ; while simultaneously having to go through the trouble of printing paper, buying postage, and sending a letter through USPS for something as simple as a change of address?! 

Further, WHY was I forced to create a myEquifax account to change my name when I'm unable to change other things such as my address through the same account? XXXX and XXXX both allowed me to update both my name AND address through their online portal and/or over the phone, but it feels like Equifax is being deliberately obtuse in updating the most basic of information on my credit file. And don't get me started on how LLCs can have such control over credit without consent. I'd forsake Equifax in a heartbeat in favor of XXXX, if for no other reason than the XXXX data breach that is likely the cause of this nonsense I'm complaining about. 

I doubt the CFPB can enforce anything requiring Equifax to be consistent with their processes, but I'm submitting this complaint regardless with the slim hope that maybe something beneficial will occur to prevent others from having to deal with this indiscriminate nonsense ( I'd prefer a different adjective to describe this, but that word would likely cause this complaint to be rejected or ignored. Rest assured it is quite profane ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023, Equifax decided to add a closed account I've never had to my credit report that dropped my credit a whopping XXXX points! It's a XXXX XXXX XXXX XXXX account for XXXX flat. They just so decide to add that to my account and a few days later, my credit takes that massive hit. I've personally never opened or closed any account like that. 

The thing is, Equifax is being Equifax, and I can not log in to their website to dispute it. When logging in, their website just says, " We are temporarily unable to complete your request '' every single time I try to log in. 

Another thing is, I've had actual closed accounts before, and they only take my credit down a few points, not near XXXX. 

I worked super hard to keep my credit up, and it was XXXX near XXXX then Equifax comes and ruins it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: OK

Complaint narrative:
When discussing enrolling in Beyond Finance I asked what their fees and services cost. I was told of monthly fees for services. 

Beyond Finance failed to explain or disclose they charge a 25 % settlement fee for settled debit accounts. The 25 % was of the pre-settled account balances. XXXXthe 25 % fee was not pointed out while the Beyond Financial Representative walked me through the Signing of the Beyond Finance service agreement contract. 

Beyond Finance failed to disclose all fees and expenses associated with their service up front. Beyond Finance was not fully transparent upfront and failed to fully and clearly disclose the cost of doing business with Beyond Finance before or during the signing of a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I called XXXX on or around the time I contracted XXXX XXXX and my job was affected. In XX/XX/XXXX I spoke with 2 different supervisors on a recorded line about the billing error and was told that if I made consistent on time payments for 6 months, they would remove my late payments. My credit report has been adversely affected by my lost of employment due to the worldwide Covid pandemic. After being assured by the management at XXXX that the erroneous late payments would be removed, I've been caught up and consistent an entire year since finding stable employment. I called XXXX today XX/XX/XXXX and The representative refused to submit my dispute for the erroneous late payments and refused to transfer me to a supervisor. ThIs information on my credit report is preventing me from purchasing a home. I would have never been in this position if i wasnt assured that the late payments would not affect me after keeping consistent payments. I feel like this is some form of extortion. If i would have known that XXXX would be this shady, i would have went to another finance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
I discovered there was an Aspire Credit Card on my credit report showing a one month payment history. I have a fraud alert on my credit report therefore I should be contacted for every credit inquiry. I was never contacted by this company. I disputed the account with XXXX as identity theft. XXXX has deleted the Aspire credit inquiry from my credit report, therefore Aspire should remove that account from my credit report as they are currently flagging the account as past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue regarding my credit report with Equifax. I have recently moved, and my new address is as follows : I have observed that this updated address is correctly reflected on my XXXX and XXXX credit reports, but it appears to be missing from my Equifax report. As per the Fair Credit Reporting Act ( FCRA ), accurate and up-to-date information is crucial for maintaining the integrity of credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Betterment LLC
State: TX

Complaint narrative:
On or around XX/XX/2023, I was locked out of Betterment account with no access to funds. My husband, XXXX, called on or around XX/XX/2023 with myself on the line to have the account unlocked, we were informed the account was under investigation and is locked, there was no one else we could speak with and nothing the gentleman could do. I called again on XX/XX/2023 to inform the accountant I was the main account holder and inquired the reasoning for the investigation, after a brief hold again I was told this would be sent to a XXXX  XXXX XXXX  and I would receive an email in XXXX business days. On XX/XX/2023, XXXX business days later, I have not received and email nor has the account been unlocked. I called again before emailing this ( XX/XX/2023 ) to have the account unlocked, ascertain the reason for the investigation and access my funds. I was given the same answer, they would reach out to a XXXX  XXXX XXXX  and I would receive and email in XXXX business days. I am requesting assistance and exposure to this issue regarding Betterment business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On Wednesday XX/XX/XXXX, I noticed some signs that my email had been hacked, and that the thieves appeared to by trying to gain access to my financial and retail accounts. 
My first call was to USAA, my only current banking relationship. I froze my accounts, got information on how to implement a digital recovery checklist, and received ( verbally, NOT electronically ) a temporary password and pin to use in the recovery. 

On Friday XX/XX/XXXX, I requested the checklist, and was told that my - frozen - accounts had been taken over by someone who changed all of my access information and was actively in my USAA accounts, but I was unable to regain access since I could no longer authenticate the information on my account which had been changed by the thieves. 
I submitted copies of my drivers license, and gave my correct phone and email information, but was told I would need to wait up to 10 business days to be contacted by the fraud department. I was additionally told that I could not be transferred to Fraud, nor could I verify what the thieves were doing in my various accounts, nor could I make a further attempt to freeze my accounts until I spoke to Fraud. 

Today it is Wednesday XX/XX/XXXX and I have not heard anything from the fraud department, nor do I have any information from USAA about the status of fraudulent usage on my accounts. I do know from another financial service provider ( XXXX ) that was also hacked that the thieves tried to move money from one of my USAA accounts into my XXXX account, in hopes of being able to withdraw those funds. This transaction was blocked. and my XXXX account was EFFECTIVELY frozen from subsequent attempts to access those accounts. 

I wish I could have the same information, action, and assurances from USAA, but in spite of daily efforts I have not be able to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX These names above have been reported to my credit report and I have no relations with these names

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 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been calling Capital One Auto from the time I got sick until now trying to make an arrangement to modify or put my loan on a moratorium and haven't been able to get assistance. I would call in they ask me 2 or 3 questions than ask if I have a payment to send in and they can set me up on a 90 program. I always tell them that I can't afford to make a payment in a half. Since I purchased the car I have had to sale my home and move with my daughter because of medical reasons. I now live in XXXX, TX and the cost of living, food, gas etc is much higher. 
I had a representative XXXX XXXX to call in to speak with Capital One Auto on XX/XX/24 spoke with a representative who told her they couldn't discuss the account that I need to call in. I called in spoke with a representation he asked me 3 or 4 questions then said he can set me up on a payment down then 90 day program again. There is another person that just got a modification and her situation is worse than my situation. 
My XXXX told me that she called in ask for the modification department and was transferred to a XXXX in the Recovery Skip dept. She told me that lady was very rude and spoke to her as if she owed the car loan she said she finally ask her to connect her to someone in the CEO 's office she refused said she wouldn't XXXX XXXX XXXX asked for her supervisor she put her on hold for 10 minutes a young lady named XXXX Supervisor with Vehicle Remarketing Dept came to the line XXXX XXXX asked if she was in the modification dept she said no but that I could only make a payment and be set up on 90 day program. XXXX XXXX asked to be escalated to Office of the President she was put on hold then transferred to XXXX with the office of the President at XXXX opt XXXX XXXX XXXX asked why XXXX XXXX was getting such a hard time getting assistance and when she called in she was transferred to 3 different depts and the representatives were so rude she said they were talking to XXXX XXXX as if she was me. XXXX XXXX also stated that she told XXXX that she has had several clients that have gotten modifications that where in worse shape then XXXX XXXX. She said one client was pass 300 days behind and car note was about the same and that person had gotten a modification before and she was able to get her modified in 20 minutes but you are giving me a hard time when all I want is to keep my car and modify my loan. Well XXXX XXXX also told me she asked it they would put the repossession on hold until someone calls back in 3 days XXXX said they wouldn't allow because nothing that is happening is their fault. How could software determine whether or not I can get assistance by asking me 3 or 4 questions and none of them have anything to do with my hardship, how much I am spending out and the reason for my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
In XX/XX/2022 I took out a title loan with what I thought was a 30 % loan with the online website Loanmart. Loanmart is charging me 99.9 % on my loan. That is not what I signed up for. How is this legal? I've paid them over {$9800.00} with a large payment of {$4000.00} to get my title released. They applied that to " their '' interest instead of my principal a customer service reps informed me, and told me I should of read the " fine print ''. Now there's more fees from them and every month it's another excuse and more money they want. I feel like I am a victim of a " predatory loan '' scam at this point. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All of XXXX and continuing into XXXX, XXXX and Transunion refuse to follow all USA Federal Laws and State laws for Identity Theft and Fraudulent Credit Card Take Over is credit card fraud to block and delete both XXXX XXXX credit cards # XXXX & # XXXX. 
XXXX XXXX has laced false line entries on both XXXX XXXX credit cards # XXXX & # XXXX and has stolen my XX/XX/XXXX {$100.00} XXXX XXXX mobile app payment to card ending in # XXXX. XXXX XXXX has posted false line entries for false payments to get interest and late fees 2 to 3 months later and XXXX XXXX has moved my payments back and forth between both credit cards to create interest and late fees. THE CARDS ARE CLOSED because of XXXX  XXXX compromising both # XXXX & # XXXX XXXX XXXX credit cards is FRAUDULENT CREDIT CARD TAKE OVER AND IDENTITY THEFT. XXXX XXXX continues to post false line entries to get interest and late fees after the XX/XX/XXXX both credit cards CLOSED is credit card fraud. XXXX XXXX has stolen XX/XX/XXXX {$100.00} XXXX XXXX mobile app payment to card ending in # XXXX THREE TIMES ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and charged interest and late fees illegally ). NOT FCRA and violating Fair Credit Billing Act and the AZ Consumer Fraud Act ARS 44-1522 and ARS 13-2008. 4 FTC Identity Theft Reports, XXXX Police Report and all the laws all 3 parties have violated are attached.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Main Resolution Group
State: DE

Complaint narrative:
I defaulted on a business loan in 2022 and was unable to restart payments due to a significant loss and income and having a large amount of money stolen. I received a Team 's message from my employer yesterday, " XXXX XXXX, XXXX. Pre-litigation complaint. Asking for a call back regarding you personally. XXXX ext XXXX. '' This was concerning to my employer because we are in healthcare and I was forced to disclose that this is regarding a personal debt and not a HIPAA violation or other concern that would impact the company. The collector did not reach out to me personally or provide any written correspondence regarding the debt, but rather chose to communicate directly with my place of employment. 
During my conversation with the individual, she used inappropriate terms were used, such as me being sued for " theft of services, '' which refers to a crime that can be punishable by jail time. I defaulted on a {$50000.00} loan, of which I have paid back over {$30000.00}. I believe this language was purposely used to intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian, XXXX, XXXX need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I bought tickets from XXXX XXXX agency, but they messed up my flights and rescheduling. I requested a refund from them, but they denied it. I contacted my credit card company to dispute the charges and filed two cases : Case # XXXX Invoice # XXXX and Case # XXXX Invoice # XXXX. The merchant submitted fake documents for both cases. I sent my documents to CapitalOne many times by mail, email, and online file. CapitalOne told me that they reached the time limit for the case ending with XXXX and that they could not do anything. They told me to contact the merchant myself. For the second case, they said they would rule in my favor, but they would deduct XXXX from it because the merchant refunded that amount. CapitalOne did not send me the documents the merchant provided, so I could not challenge them. I insisted on getting the documents from the merchant, and CapitalOne finally sent me a copy on XX/XX/2024. Thats when I discovered that the merchant sent forged documents to make CapitalOne take the wrong decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I cant open an account or apply for a loan or credit card it will be unavailable so remove all the hard inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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