BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I saw WF/FMG on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a 100 % XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. 
I demand these companies to handle the items expeditiously based on the reasons that I put in my letters and update all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. items I disputed in my letters

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 2023-02-27
Company: EQUIFAX, INC.
State: AR
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 NUMEROUS 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 ( names, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently reviewed my credit report and noticed that there were a few companies reporting that I have no knowledge of.I have not given written consent to XXXX XXXX XXXX XXXX XXXX company nor have I done any business nor received any goods from this company. As a FEDERALLY PROTECTED CONSUMER, I demand that this account gets removed immediately. I also ask that my CONSUMER report gets updated immediately. I also ask that this company provides proof that I have given written consent for them to report on my CONSUMER report.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 non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over the last 24 months I have been trying to be a responsible consumer and correct the inaccurate and inconsistence reported by the three Credit Reporting Bureaus. I have already requested verifications multiple times and for the most part the incorrect and or inconsistent reporting has been corrected, removed and lastly stated by the Bureaus that they did and investigation and that the remaining items where verified, yet there remain extreme amounts of inconsistent and inaccurate reporting.

I am enclosing a screenshot of my most recent credit report highlighting the inaccurate inconsistence still remaining after the Bureaus claim to have verified that the item has been 100 % accurate and investigated timely. The Fair Credit Reporting Act requires that the Bureaus complete their reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received any reply because the Bureaus have been unable to verify this information. 

I would like the item removed immediately. By law the Bureaus are required to removing any inconsistent and persistent error and inaccurate information after a 30 day investigation has been completed. So, I request that they remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing about a Bankruptcy ref # XXXX that is reporting on my Transunion/XXXX/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. Transunion/XXXX/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted 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 explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
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:
This is a violation of 15 U.SCode 1681a ( 2 ) ( A ) ( i ). 

I did not give written consent or permission to any of the listed data furnishers to place the items in question on my credit report : XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it. 

On the date of 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 2023-04-10
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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2017-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi applied for credit card line increase on XXXX XXXX. XXXX and few days.. on XXXX the XXXX was denied for credit line increase due to one payment was returned from my bank account XXXX XXXX XXXX XXXX XXXX in the amount of XXXX i called Capitol one and ask them to removed this bank account information around the first week of XXXX and i use another bank information ( XXXX XXXX ) to make the payment again and it went through with no errors and i continue to make my payments in the month of XXXX XXXX and XXXX and finally XXXX XXXX with no payments returned or errors i called capitol one today on XXXX XXXX, XXXX central time around XXXX and i spoke to the supervisor and he told me he does n't have control of the credit line increase and i have to reapply anytime or wait 3-6 months and i asked him can i talk to credit dept or any dept that handles credit he told me that capitol one does n't have a credit dept or a complaint dept and was rude to me and refused to help me i have been making my monthly payments on time with no error and i can hear the supervisor on the background saying negative things about me and forgot to put me on hold i want to filed a possible discrimination against this company and i would like a credit line increased

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-04-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to submit a complaint regarding the permanent limitation that was placed on my PayPal account. I strongly believe that this limitation was placed by mistake and I would like to request a re-investigation of my case in order to restore my account.

Firstly, I would like to clarify that I have not violated any PayPal policy, and I have always used my account in accordance with your terms and conditions. Therefore, I was surprised and deeply disappointed when I received notification that my account had been permanently limited.

Secondly, I have carefully reviewed all of the transactions that I have made through my PayPal account, and I am unable to identify any activity that could have triggered this action. I have always been a responsible and honest PayPal user, and I am confident that any investigation of my account will confirm this.

Given the above, I kindly request that PayPal re-investigate my case in order to correct any possible mistake that may have occurred. If my account is found to be in good standing, I respectfully request that you restore it as soon as possible. 

Lastly, I would like to confirm that the email address on my PayPal account is XXXX, and that I am available to provide any additional information or documentation that XXXX be necessary to resolve this matter. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
I have loan with XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX 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 2021-08-05
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 credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I had put my card payments on hold during covid. The guy I spoke with at capital one advised me I could put them on hold for 90 days. So 90 days goes by then capital one sends me to credit bureau as late so then became my word against the guy I spoke to on the phone who advised me I had 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: GA
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:
Collection is not mine. The amount reporting is {$760.00} from a creditor XXXX XXXX  This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/2021 A collections account from Fair Collections and Outsourcing Inc was added to my XXXX  credit report. This account is not mine and the fact that they just added an account to my credit report in itself is very alarming. I have no Knowledge of this account, I never received any letters or ledgers detailing that there is a debt owed from Fair collections and Outsourcing or the original creditor 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 2023-02-22
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit score was just hit by a collection agency XXXX sold this fake debt to. 
My account was transferred to XXXX XXXX XXXX with a {$0.00} balance. I made my last payment before I ported over my number. 
XXXX even confirmed this before my account was transferred. REMOVE THIS FROM MY CREDIT IMMEDIATELY. I DO NOT OWE YOU ANYTHING!! 
I have all of my receipts to prove it. Even showing I didnt owe anything. When I call XXXX they said I owed {$230.00} as my last bill, but when I speak to another representative they state it is paying off a promotion on a device.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: LendingPoint Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a personal loan with lending point. My credit union refinanced the loan for me, and overnighted a check to lending point. The name of my credit union is XXXX XXXX XXXX XXXX. I waited just over a week, to call and verify the check was received. I was told they show no record of a payoff check. I called the CU, and got the tracking information. We show the check was received on XXXX at XXXX and signed for by a XXXX. I sent this information to lending point and they stated they would look into this and call me back. I call back the next day to see if any progress was made, and was told that her manager did not come in, and her manager was working with accounting. XXXX XXXX with lending point is the assosiate I spoke with, and she said that she would look into his and get back with me. I then had to call back the following day as no one has called me, and was told XXXX is out to lunch and will call me back. I then asked to talk to a manager or supervisor, and was told they did not have one in today, and XXXX would call me back. A few hours later I get an email from XXXX asking for the amount of the check, so they can look thru there deposits. I get this information to them same day. I have called and asked for a call back no one calls. I have emailed XXXX asking for an update, or anything and info not get a response. They are charging me daily interest on the account, and Took out another payment today. They received the check on XXXX it has now been 16 days and no one even knows where the money went {$20000.00}. I have my first payment on the new loan XX/XX/XXXX, and I really do not want to be paying on two loans as it seems like no one at lending point wants to help. They stated they would call me back on Monday the XX/XX/XXXX and I have still not been able to get any information. I just do not know what my next step is. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NJ
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 am doing my best to exercise my right as a consumer to not have my nonpublic information being reported on my consumer report pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.

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