BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 paid off my personal loan ( amount {$770.00} ) with XXXX as of XX/XX/XXXX. At this point in time the matter was handled as a pay to delete. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX a manager ) as well as XXXX ( a rep ) after receiving a statement saying my settlement was a payment and that I still had a large balance due within a few weeks. I was informed by XXXX that everything would be handled and to disregard the statement notice. 

Please note that XXXX continues to report a negative payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite this account being settled in full. Moreover on XX/XX/XXXX I spoke to XXXX who reported that my account was showing settled in full and it would be removed from all credit reporting. On XX/XX/XXXX I spoke to XXXX who sent me an additional letter from XXXX reporting my account was closed with a XXXX balance. XXXX further reported that it would take approximately 60 days for this account to fall off my credit reports. XXXX then instructed me to call the credit bureaus and dispute this account myself if it was taking too long for them to recitfy. 

On XX/XX/XXXX, I called and spoke to XXXX who reported that all she could do was assist me by opening up a ticket ( # XXXX ) and that she could not give me a time estimate on the completion of this issue. 

After repeatedly disputing with the credit bureaus to no avail, XXXX needs to be held accountable for reporting inaccurate payment history and failing to have this account deleted.

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 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at approximately XXXX central time, I was notified by text message from capital one that there was possible fraudulent activity on my XXXX for {$750.00} from XXXX . I immediately came home from work and called capital one and advised them that i had not made this charge and had no idea who the establishment was. As we were talking, they advised me that the transaction had been submitted several times and it finally went through as pending. At the same time, they said other transactions were occurring on my card XXXX buying a pizza transaction. So, I immediately told them to cancel the card and they would issue me a new card with a new account number and conduct a fraud investigation. On the XXXX of XXXX, i saw that the charge was reversed. On XXXX XXXX at XXXXXXXX XXXX local I was notified by capital one that after researching my cause they found insufficient evidence of fraud. So i have spent 8 hours today XX/XX/2023 trying to resolve the issue. First talking to XXXX at capital one fraud department, and then being transferred to the supervisor XXXX at capital one fraud department, that notified me since the merchant had my address, name, email, and account information that they are considering this a legitimate charge. I asked them to send me the complete investigation which they told me will take 2-3 weeks. As a 100 % disabled combat retiree XXXX XXXX, {$750.00} is a lot of money to a retired disabled person. Please investigate this to the fullest, for I am notifying everyone in the military that our banking system and credit cards are not secure. And XXXX 's statement of XXXX fraud liability is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EGL US, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XXXX i sent BMG Money a notice to opt of out any and ALL authorizations i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information that Equifax is using is reporting inaccurate information that doesn't match my personal information. Equifax still is reporting it as it violates my rights to the laws listed below. The information has my name as XXXX XXXX XXXX. This is not my name. My name is XXXX XXXX as it reports on my Equifax report. It also reports my address as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This has never been my address. My address has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX andXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. As listed on my Equifax report. This is a violation to my rights of fair and accuracy. This has already been removed off of my XXXX account due to several violations. Account in question is XXXX XXXX Reference number XXXX. Date filed XX/XX/ The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly 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 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
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:
Ive Reached out Several times to XXXX and ExperianWith supporting documents Certified Mailand no resultsI Six Bankruptcies showing on Both Credit Reports that are not Mine..everything is inaccurateand I would like for them to stop reporting that 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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and XXXX  about the problem. I sent proof over and the bureaus are still reporting the accounts. XXXX and XXXX says the account is in good standing and Trans union says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. 

XXXX and XXXX XXXX on Trans union need to be removed.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I was alerted by Experian that XXXX XXXX  HAS REPORTED A COLLECTION of {$3900.00} ON MY CREDIT REPORT WHICH IS A COMPLETE LIE. THEY STATE THAT THE ACCOUNT WAS OPENED IN XXXX OF 2022. Its a lie. I havent opened any new accounts. It is doing unfair practices of re-aging accounts which is illegal in numerous forms. I disputed this With Experian and they came back in less then 48 hrs claiming it was verified which it clearly isnt. I want this collection removed from all of my credit reports and want to take them to court for re-aging.

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 2022-04-19
Company: Upgrade, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There were two withdrawals from my checking account on XX/XX/2022, one for {$8400.00} and one for XXXX. These transactions were not authorized by me. I was the victim of identity theft. I have talked with several people at this institution to no avail. I received an email from their escalation department on XX/XX/XXXX saying that they have tried numerous times to reach me at my phone number ; however, I have received no calls from them. They have given me 15 days to get back to them, but they do not return my calls. 

XX/XX/2022 XXXX XXXX XXXX XXXX {$8400.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX UPGRADE , INC . 
XX/XX/2022 XXXX XXXX XXXX XXXX {$3500.00} Please help me to get my money back. I have filed claims with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020-XXXX XXXX XXXX XXXX XXXX approached me to see if I was interested in purchasing a home in the New York area because I had been wanting to invest some money on purchasing rental property for a monthly income since I had retired. I responded and told him yes, what did he have and how much. I told him to send me the info on the property that I could purchase so I could look it up on the internet. He said it would cost me {$2700.00}. A woman he was working with stated that they were selling these properties because of a special government grant for foreclose homes and there was an abundance of them and they could be purchased for a very low price. Two had already been sold so if I was interested I needed to hurry with the money before they were all gone. 
XX/XX/2020-XXXX XXXX XXXX  XXXX texted XXXX XXXX XXXX the following message : 'I found XXXX mother a house its {$2600.00} though in XXXX 4 bed 2 bath. '' She sent:XXXX XXXX - " https : XXXX '' ; XXXX XXXX. - '' this is a different one. The other one sold. XXXX XXXX '' You gon na want to get the other property? '' Monday, XX/XX/2020 XXXXXXXX XXXX - " Hey were you able to get the money everything is done just got ta wait for the paperwork that's gon na b mail to you. '' XXXX XXXX.- " I stated Ok, thank you. '' Tuesday, XX/XX/2020 XXXX XXXX. - " Routing XXXX, Account XXXX, XXXX XXXX, XXXX XXXX, NY XXXX '' ; XXXX XXXX - '' XXXX  XXXX ''. at XXXXXXXX XXXX. I ask What Bank is this going to, please? XXXX Also, what is the amount? XXXX XXXX- '' {$2700.00} '' I said OK. " HSBC '' XXXX XXXX - I ask did she get the picture and address? XXXX XXXX -XXXX answered, " She getting it for me now. '' XXXX XXXX " Is this the address of the bank? response : XXXX XXXX - '' No, hers ''. I told XXXX XXXX ; XXXX XXXX - I needed the bank address for my bank to send the wire to??? '' He gave it to me. XXXX XXXX. I told him the money was on it way. I pray this is all legit ; I am nervous because I do not know anyone, very nervous. XXXX XXXX said don't be ; she is gon na send me a contract stating that if anything goes wrong she would refund me the money with no problem. She gon na send me a contract. Then I asked him to ask her since it was a federal program and the purchase was so low did she know if they had this program here in XXXX that I could look into. He stated she was going to find out right now and would email me everything. She also sent a house in XXXX XXXX in XXXX XXXX, PA XXXX with a potential profit of {$38000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: MOHELA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. Lastly 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Please remove the late payment status off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 15 U.S.C 1692C These addresses do not belong on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX ( Balance ) {$3000.00} Opened : XX/XX/XXXX XXXX ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX XXXX ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : 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 2022-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX, and Equifax is reporting an account which does not belong to me with XXXX XXXX XXXX for {$66.00}. I have never had an account with this firm. The credit reporting brokers have not removed the account despite my disputing it. THIS CAUSED A Major drop in my credit score rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting 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:
Debit was settled and they charged off the balance, however after several years it was still showing on credit report as closed account with a balance due, I tried to dispute the balance to have it removed however after I did the dispute they reopened the account and started to report me late on payments when the account should of been closed and at the very least as a charged off balance like it had shown for several yrs. I feel this was a deliberate attempt to retaliate against me for putting in a dispute. Since then my credit as dropping several points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house, when I reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.

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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX   XXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. XXXX and TransUnion both have sent results based off the information you provided to them. Please see the information below : XXXX RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX UPDATED THE BALANCE TO {$1700.00}. 

TRANSUNION RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX  ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2018-12-14
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2023-11-15
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a loan from XXXX XXXX XXXX for the purchase of a car from Carmax on XXXX XXXX XXXX within the three day cancellation period, I cancelled the {$680.00} GAP Insurance. 

The {$680.00} has just now, on XXXX  been processed by XXXX as a payment instead of a refund or cancellation, which charging me {$19.00} finance charge for money that I did not borrow. 

I have contacted XXXX requesting the finance charges be refunded, but they refused. 

Carmax and XXXX are taking advantage of customers.

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