BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM the consumer and I have not consented to, authorized, nor benefited from the following accounts or inquiry. Block and remove the following accounts from my consumer report as I have a right to privacy pursuant to 15 USC 1681 a ( 4 ). 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I the consumer did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions I the consumer did not request this information to be blocked in error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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:
Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
the inquirys on my credit report are inaccurate can you adjust the following thanks XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/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 2023-12-14
Company: ULRS, Inc.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/, I returned a rental car to XXXX XXXX XXXX  Upon the return I informed the owner of the rental company about minor scratches on the hood due to vandalism from homeless individuals. She offered me two options of paying her directly with a credit card for the damages or opening a claim with my insurance company. I proceeded with opening the claim with my insurance. While the claim was open, she tried to also charge my credit card for the same amount, which I disputed. As the claim process proceeded, she asked my insurance for XXXX XXXX  that the insurance found baseless due to the nature of the minor scratches and awarded her {$1500.00} ( which is what she quoted me when I had the option to pay or file a claim with the insurance ). She received the check but since XXXX XXXX told her she wouldnt be awarded an additional XXXX XXXX because the scratches didnt warrant that she turned that balance over to United Legal Group Debt Collectors XXXX who has been calling and harassing me for XXXX XXXX  despite me providing documentation of the insurance claim and payout which was opened immediately in XXXX. They have now said I only owe them XXXX XXXX for a copay but nothing is owed because this debt was rectified with my insurance from the beginning. They have fraudulently submitted this to collections and to the credit bureaus to impact my score. They have been rude, condescending and said they will make sure it stays on my credit for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: E Mortgage Capital, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I applied for a mortgage on a rental property that I own outright after being contacted by one of E Mortgage Capital 's loan officers, XXXX XXXX on XX/XX/. We went back and forth on terms for a couple of days and after arriving at numbers I was comfortable with, we proceeded with the process. I submitted all my documentation to support the loan and completed everything by XX/XX/. XXXX XXXX sent me the final forms with the new disclosure on XXXX XXXX XXXX and there were new charges added ( most egregiously was a new {$990.00} " Underwriting '' fee ) that increased the closing costs around {$1300.00}. I reached out to XXXX about the increase on the XXXX and received no response. I followed up a week later with : " XXXX : Hey XXXX. I don't know if you got my last but wanted to check in and see where we're at. 

XXXX : I apologize. I thought you were not moving forward due to the closing costs. Are you still interested in moving forward? 

XXXX : I assumed the additional underwriting charge was in error and we could correct that. The original disclosure did not contain that charge. '' Nothing more from XXXX XXXX after that. 

It's pretty clear to me that this company or XXXX XXXX was trying to pull a bait and switch and commit UDAAP violations by getting me to go through the process under one set of terms and then jacking up the price with additional fees after I had done all of the work to support the loan and was at the end of the process.

I have never made a complaint before but I felt this warranted one so that future customers are not subjected to the same tactics, or worse, miss that the company is increasing their fees when they get to the final stage and pay more than they agreed to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX, XXXX  XXXX and XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
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:
Equifax allegedly conducted an investigation into my balance with   XXXX   XXXX   XXXX   however, they are still reporting incorrect information.  In fact,   XXXX   XXXX   XXXX   provided documentation illustrating that the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: American Coradius International LLC
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
Im being charged from a collection agency American Coradius International XXXX for a XXXX charge that isnt even on my XXXX account. I tried to dispute and theyre requesting a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
On XX/XX/2023 I submitted an investigation results to all XXXX credit bureaus regarding late payments reporting on my both my XXXX XXXX account and XXXX XXXX. These late payments are reporting in error and creating financial hardship. I never heard from the credit bureaus. I resubmitted my complaint again on XX/XX/XXXX by mail after calling them only to find out nothing had been done. I called them again on XX/XX/2023. The credit bureaus have no interest in assisting consumers and refuse to investigate. If you get someone on the phone within a half hour you are lucky and those that take the calls simply tell you to resubmit as there is no change. I attempted to get a supervisor or XXXX on the phone and was left on hold and then disconnected. The above happened with all XXXX of the credit bureaus. The bottom line is that I was not late paying my accounts and want both XXXX XXXX and XXXX XXXX corrected immediately. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2018-09-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2018 American Express called my employer to speak to me about a debt. I asked them not to call my employer and they keep contacting me there. 
My co-worker informed me of a call at XXXX from a foreign speaking individual whom asked for me. Turn out it was the XXXX number from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed a negative account on my report that i did not authorize to report. I have tried to reason with the bureaus but i have come to the conclusion they do not care about my consumer report being inaccurate. I did not give any of the credit bureas permission to report this account that is attached below. I have called Experian and let them know this account listed in the attachment below should not be visable on my report. This is illegal!!!!! Unethical!!!! This is Aggravated identity theft per 18 U.S. Code 1028A! I require this charge off be removed from my consumer 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 2021-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
As a result of their unaudited practices ( nationwide ), Portfolio Recovery Associates LLC has filed and won ( mostly by default judgment ) hundreds of court cases here the South Texas region with the aid of XXXX XXXX XXXX XXXX, Texas. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Fuel Capital Group
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I requested multiple times documents to verify correctness of loan received for my used XXXX XXXX. strike loan acceptance has ignored my requests for two months, is now reporting negatively and inaccurately on my credit report and is refusing to accept my monthly payment. I purchased the car XX/XX/XXXX. About a month later I received paper work stating my car payment was now due, but i noticed the amounts were incorrect regarding the monthly payment, the loan pay off amount, as well as warranty I had purchased as well. Strike has repeatedly promised to send me the copys and has yet to do so. I asked them to be mailed, faxed or emailed and Ive still received no correspondence. Ive attempted to pay my monthly amount to prevent negative reporting on my credit ; but they have blocked my ability to make a payment completely, and are still reporting to the credit bureau I am two months late despite my efforts to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Dovenmuehle Mortgage, Inc.
State: FL
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:
I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
DOVENMUEHLE MORTGAGE XXXX. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: DISCOVER BANK
State: NY
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, this creditor has violated my rights under 15USC 1681 section 6 0 2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: WI
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:
When trying to access my credit information from Equifax, I am asked to verify my account by supplying information about auto loan and retail credit cards. I do not have an auto loan or retail credit card. The item about bank credit card did not include any information that matches my own bank credit card. 

It appears that Equifax has my information mixed up with someone else 's. 

I have tried to access this info twice from Equifax, once on XXXX XXXX and today, XXXX XXXX. I attempted to submit a complaint to CFPB on XXXX XXXX and got a complaint ID number, XXXX. However, when I tried to print the complaint, I got an error message so I think it may not have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them 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