BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I purchased a fully refundable flight on XXXX XXXX on XX/XX/2023 for {$720.00}. I later called the airline to cancel the flight, but I never got my refund. I called Capital One to dispute the charge, because I should have received a full refund. They issued a temporary credit, then later they received a response from XXXX XXXX. Capital One simply assumed everything the airline provided was correct, and denied my claim. Their letter of XX/XX/XXXX ( attached ) said they would reopen the claim if I provided them with additional information. I faxed them a copy of my itinerary, as well as the airline 's refund policy. These documents clearly showed that my ticket was fully refundable, and there would be no fees to do so. I received a form letter back saying they weren't going to do anything. Then on XX/XX/XXXX, I sent them another letter ( attached ), addressing each piece of information requested in their XX/XX/XXXX letter, line by line. They responded saying I did not provide the requested information, with yet another form letter. It's clear no one is even looking at the information I am providing, they just believe what the airline says. Capital One has solid evidence from me that the charge should be reversed in the form of letters and documentation. Someone just needs to read it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, I pulled my credit report in hopes of getting ready to purchase another home ... When I seen my report I was quite confused at what I was viewing. The reporting from XXXX on my credit report appears to be totally incorrect with several errors in the reporting of this debt. I reached out to all 3 Credit Bureaus as well as XXXX to ask if the account can be validated to ensure that in fact this account is reporting correctly on my credit report. At first XXXX ignored my request, I then sent a follow up letter in which they responded with some sort of statement of account which clearly did not rectify my issue with the reporting of this account on my credit report. As stated, I even reached out the the Credit Bureaus for help only to get a response that the account was reporting accurately ... How is this when I can spot several errors and Im not a professional in credit reports. 
**First off the account appears to be outdated going by the dates reporting **High Credit Reporting on a closed account **Date last active is not correct **Payment status reporting 120 days late on a closed account

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 2020-08-11
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
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:
I paid off my home loan lived at XXXX XXXX XXXX XXXX Colorado XXXX not showing on my credit report. Mortgage was through Colorado Housing Finance Authority had a down payment assistance loan as well paid in full for both. XXXX plus the XXXX in down payment assistance. Address is not showing paid off in XXXX was not included in bankruptcy was paid in full. Paid off in full have the documents. Also had a XXXX XXXXXXXX XXXX  paid off in full from XXXX XXXX paid in full not showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Experian Information Solutions Inc.
State: WA
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:
I owe XXXX XXXX  approximately {$100.00}. They reported me to the credit bureau for {$1600.00} under XXXX XXXX Also XXXX XXXX reported me to Experian for a XXXX  bill I am not aware of. I dont know who this XXXX XXXX XXXX company is or where they got my information but they are guilty of fraud!!!

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 2018-04-09
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally bank claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I  called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am submitting my complain for you to know that the XXXX credit bureaus never update me to give me a feedbacks of my report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity. Be sure to present facts that these items being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. These mentioned items should be remove immediately : XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX FOR XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX 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 2018-01-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of Equifax, XXXX and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been repeated harassed by Carrington Mortgage Service and I always pay my bill every month. I have gotten harassed everyday this week o XX/XX/2020. I have told them to stop multiple times and they even have been sending me " recertification '' calls as well that I have told them multiple times to stop because I am not interested. I am in duress and feel unable to fend off these people during this time of COVID-19, I am out of a job ( still making monthly mortgage payments by the way, that I have not missed ), and at this moment I am unable to walk because of a back injury. Can someone please help me in order to free my families life of unwarranted stress by this horrific company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im writing this because of inaccurate information on my credit profile thats need to be removed deleted from my profile. The accounts will be listed in my ftc identity theft 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 2021-11-06
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect balances are being shown on 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 non-monetary relief
Consumer complaint received 2019-08-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires are fraudulent and unknown to me, please remove. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX XXXX  ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 )  XXXX  XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX   XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 ) XXXX XXXX XXXX ( XXXX ) 16 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3.XX/XX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.

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 2020-08-11
Company: EQUIFAX, INC.
State: SD
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:
Equifax has XXXX XXXX XXXX on my credit report again even though I have never had an account with XXXX XXXX XXXX. I have contacted that bank and they have verified that no such account has ever existed. They do not know how to remove the info so they just tell me to dispute it but equifax has decided to replace it back on my credit report even though it is NOT mine. I had one secured account with XXXX XXXX and that is all. Also my name is not " XXXX ''. It is listed in the aliases. I do not and have not ever spelled my name that way. Anything associated with it is fraud. I know how to spell my own last name, I've was born with my last name and " XXXX '' is not it. Also, XXXX XXXX does not reflect the correct balance the balance has not been correct since they acquired the account and even though I have sent payment with the balance incorrect, they have been casing the payments and not posted one payment that I have made. Someone should to investigate and find out what they are doing with my payments and correct the balance to reflect what it was when it was with XXXX before they acquired the account from. XXXX and find out why the balance skyrocketed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: U.S. BANCORP
State: CO
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:
Booked a hotel reservation online for XXXX XXXX wanted to change room type so had to cancel in order to book e room type. Honestly did not see the non refundable cancellation policy. Completed my stay abd paid credit card but hotel merchant XXXX wants to charge me two separate cancellation fees ) XXXX each! This was not clear to me and I am disputing this charge! The XXXX XXXX in XXXX, XXXX and XXXX refunded me these amounts but USBank will not refund my card and remove charges! I have been back and forth since XX/XX/2023 with many calls, letters, emails and faxes. 

I am requesting your assistance in this matter to reverse the fees on my bank account with USBank and remove these charges. 

Thank you. 

Sincerely, XXXX XXXX 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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to transunion XXXXand XXXX about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you

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 2023-09-20
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I rented an old XXXX XXXX from Allied Rent a Car and returned it with a damage on the windshield about the size of a dime. The car rental then charged me {$450.00}. I agreed to pay the damage through my credit card that I used to rent the car. The credit card policy states that rented car damage ( s ) is covered when I use the credit card for car rent payment. So it's up to the credit card to approve the claim by Allied Rent a Car. But Allied Rent a Car and its collector Allied Collection Svcs asked me to pay for the claimed damage. As in an accident, parties exchange insurance information by which damage will be claimed and processed by insurance companies. Allied Rent a Car did not follow the calim procedure and proceeded the collection through its Allied Collection Svcs that the original amount {$450.00} was then increased to {$1600.00}. They then sent the collection to report agencies to damage my credit. I disputed the report 's inaccuracy and malice which XXXX removed it for about a year but then reports the negative collection again. I recently called XXXX to remove it mentioning that it was removed before and by Code of Civil Procedure 337, the report violated state of limitation. CCP 337 sets the limitation of collection report to 4 years with the clock starting to tick as soon as " you '' miss a payment. As in the email, the amount was tranferred to collection on XX/XX/XXXX and reported XX/XX/XXXX. So by the 4-year limitation the collection and its negative report should be stopped on XX/XX/XXXX or XX/XX/XXXX. But XXXX report shows that it stays until XX/XX/XXXX. That is unlawful act by CCP 337.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation