BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is attempting to collect a debt originally from Capital One that has been paid and settled in 2018. I have contacted them and sent proof from the credit report showing the debt settled, but they havent taken any steps to correct their error. Im attaching the account showing its been settled and the active collection from XXXX XXXX illegally trying to collect on a debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital1 had application for card I didn't request. XXXX app & problem solved. All cc companies should inquire & verify like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It's illegal to report transaction history to my consumer report XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 15 USC 1681a ( A ) ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction History is illegal. 

I've attached a copy of my consumer report and all the items which are in clear violations are highlighted in green!

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion and XXXX XXXX aka Transunion has intentionally and recklessly continues to manipulate my credit file to reflect inaccurate information. Transunion has blocked me from disputing items by sending stall letters stating that it looks like someone attempted to dispute items on my report but it did not seem like it was me. Really! Who disputes items on someone else credit file. This is a stall tactic to discourage individuals from disputing items. XXXX XXXX has also manipulated my XXXX report to match Transunion 's report. These actions has caused me financial damage and continues to do so. They have the XXXX XXXX account reporting as open which is incorrect. They have the most recent XXXX account reported as open which is incorrect. They have the XXXX XXXX account reported as open which in fact is closed and too old to report based on the first late payment that led to a charge off. They have the XXXX XXXX account reported as open which is incorrect. These actions are intentional and is in an effort to keep my credit score down protecting the creditors that Transunion and XXXX XXXX are in partnership with to keep people with a poor credit history from obtaining new credit.

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 2023-12-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
. I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX, XXXX ( REPOSSESSION ) -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: National Credit Systems,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: Problem with personal statement of dispute

Complaint:
In XXXX of 2016 I gave my apartment complex a 30 day notice in persona nd filled my paperwork out. I moved out and they claimed I never gave them notice and put a {$900.00} collection on my credit report which I eventually did pay as I want to protect my credit score. Six years later is still costing me crucial points to get the best pricing and rates as I have been told its costing me 80 to 100 points. I really need your help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Capital send some advertising that saying that I can get approved and when I apply they rejected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  TRANSUNION AND XXXX  ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE XXXX DISASTER AND MY WIFES XXXX AND XXXX XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE THREE ACCOUNTS ARE XXXX  XXXX XXXX  XXXX, XXXX  XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME XXXX  AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR XXXX XXXX GOING INTO THE TIME FRAME OF THE COVID19 XXXX. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX  PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXX.please mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.

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 2022-03-19
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone stolen my identity to obtain credit, fraudulent open accounts under my name to were open to obtain credit, fraud accounts are XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX XX/XX/XXXX {$980.00}, XXXX XXXX  XX/XX/XXXX {$610.00}, XXXX  XX/XX/XXXX {$6400.00}, XXXX XXXX XXXX XX/XX/XXXX {$540.00} and a XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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: Their investigation did not fix an error on your report

Complaint:
Received notification from Equifax that my dispute had been resolved, and that the disputed information was accurate. Therefore, I contacted the collection agency but they were unable to locate any file on me or any indication that I had ever had an account with them. I also called the original creditor, my account with them is in good standing, and always has been. They too were unable to find any evidence that I had ever been past due with them. Lastly I called Equifax. I was placed on hold by their computer and eventually another computer came on the line and asked me to rate the conversation. I never had a conversation with them as no person ever picked up the line. 

I would like to know how Equifax decided that the past due account was mine given that neither the collection agency nor the original creditor was able to locate a past due account of mine, or that I had ever had a past due account with them. My account with the original creditor is, and always has been in good standing since opening. Further, the collection agency had no record of me at all. I have never received any communications from either company about a past due bill. 

I can only conclude that Equifax did not do their job and has no information linking me to the collection account in question. Their statement to me that the disputed information is accurate is fraudulent. I therefore request that the collection account reported by Equifax be permanently removed from my account and I would like an apology from Equifax for reducing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has several violations against me that I would like report..I submitted a debt validation letter to equifax ..asking for an an investigation into tje 2011 bankruptcy listed on my report ... I have been going back and forth ... and they keep telling me they VERIFIED via XXXX and so the BK will remain. 
I RECEIVED A LETTER FROM MY LOCAL COURTHOUSE ... the furnisher of the bankruptcy ( I have attached a copy ) ..who clearly states they DONT provide any information to the credit bureaus or any third party vendors. EQUIFAX IS IN VIOLATION ... THEY DID NO INDEPENDENT INVESTIGATION ( automated XXXX XXXX is NOT acceptable ) .FURTHERMORE ... .THERE IS A CONSUMER FILE FREEZE ON MY XXXX ... .so how was this validated!!! THE FCRA states that consumer reporting agencies must correct or delete unverifable information. This complaint to you will be my first step ... but this is a violation and IS ACTIONABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: M&T BANK CORPORATION
State: PA
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 closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions this account was opened fraudulently in my name i have never had a account with them

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 2021-06-28
Company: JPMORGAN CHASE & CO.
State: CA
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:
THIS IS NOT A DUPLICATE REQUEST DO NOT DELETE THIS COMPLAINT!! I have some new information on this issue from XX/XX/2021 when I registered a dispute on charge with Chase. Chase is standing on the fact the merchant XXXX XXXX in XXXX, CA stated that no refunds after 30 day of purchase but because XX/XX/2021 was a short month and we tried to return the flooring on XX/XX/XXXX which is the day I called to register dispute with Chase, we were STILL in the timeframe for returns! So Chase has no reason to not side with myself instead of merchant. XXXX XXXX state right on their receipt within 30 days which we tried to do and they refused to accept for NO REASON. Chase stated do I have proof that I didn't pick up product on XX/XX/XXXX when purchased, even if I did ( I didn't ) it was STILL in the 30 day timeframe!! 
I want Chase to look back at everything and see that everything I am stating is correct and I was in the timeframe so XXXX XXXX has NOTHING to stand on!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reported to the XXXX  about the dealership ( XXXX XXXX XXXX , Fl . ) early in my term with the vehicle for shady tactics because I told them I didn't want the car nor did I think i could afford XXXX a month. The Financial Manager continued to show me his gold jewelry and assured me building my credit for nice things was the right move. and to " bite the bullet '' for about 3 months and make the payments and I could trade it in for something i really wanted. When I returned 3 months later I was told that manager was just filling in for that day and they had no clue what I was talking about. So that is when I reported them to the better business bureau for unethical tactics. Long story short I got nowhere with that and continued to pay the car bill for 20 months until I had it voluntarily repossessed because of the burden. I would call them every month to let them know of any address changes or places of employment so that they could recover the vehicle. Fast forward a year and a half and someone finally shows up at my door for the car. Months later I saw the XXXX XXXX dollar debt on my credit report, for a XXXX XXXX dollar car that I had paid on for almost 2 years. Never received any notice of auction sale, nothing. I need this off my credit report. Its been almost a decade and it is still haunting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
I have attached all the dispute letters I tried mailing them. I want this false information removed as soon as possible as is stopping me from getting a loan from my bank. and

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 2021-08-15
Company: BARCLAYS BANK DELAWARE
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21 I was charged XXXX by XXXX  XXXX XXXX ( Meaning XXXX, PA ) I live in XXXX XXXX, NJ and I do not go to a Fitness center. 

As soon as I seen this transaction on my account ( Approx XX/XX/XXXX ) I disputed the charge. Later I received information that they were going to put the charge back on my account. 

On XX/XX/21 I called MasterCard costumer service, I spoke with " XXXX '' who told me she could not help me and put me on hold from XXXX XXXX  to XXXX XXXX  until I finally had to get back to work. 

I called back about a week later and spoke with " XXXX '' who told me the case was closed I told her that I did not request the service so I should not be charged. I requested to speak with a manager, She told me she would have have the manager call me but that has not occurred.

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 2023-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief