BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The credit reporting system is dependent upon my consumer report displaying fair and accurate information. On XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX added a derogatory mark on my credit report per TransUnion. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by TransUnion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX, XXXX XXXX FIN, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2023-07-12
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THIS RIGHT HERE IS MY XXXX REPORT AND IT SAYS I HAVE NO COLLECTIONS OR BANKRUPTCY IN MY CREDIT FILE SO WHY IS XXXX ENTERTAINING THIS DEBT, WHICH IS INCORRECT. XXXX XXXX  TOLD ME I NEED TO CONTACT XXXX TO REMOVE AND DELETE COLLECTION TO UPDATE MY CREDIT REPORT, AND THEY ARE SUPPOSED TO CONTACT CREDIT KARMA TO UPDATE CREDIT REPORT AS XXXX IS HINDERING MY CREDIT REPORT DUE TO MANIPULATIVE LIES FROM LVNV FUNDING LLC OR ANY AFFILIATION WHO BEEN CONTACTING ME WITH PROFANE LANGUAGE, SCARE TACTICS, THREATS TO DO MORE IRRUPUTABLE DAMAGE TO MY EXISTING CREDIT REPORTS. THIS DEBT IS VIRTUALLY 7 YEARS OLD. I ALREADY SENT A LETTER STATING OTHERWISE AS I REBUKE THIS DEBT WHERE IT SHOULD BE DELETED, AND REMOVED WHO IS TIRED OF BEING HARRASSED BY THEM OR ANY THIRD PARTIES. 

Personal information Includes your name, Social Security number, date of birth, address information, and employment information. 
Supporting documents may be required.

Credit accounts Includes revolving, installment, and mortgage accounts.

Supporting documents may be required.

Collections and bankruptcy Includes collections and bankruptcy.

Supporting documents may be required.

( You currently have no collections or bankruptcy records reporting on your credit file ). 

Inquiries Requests to view your credit report. 
Supporting documents are optional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One processed my payment of {$460.00} to XXXX XXXX XXXX  on XX/XX/2020. The hotel canceled my reservation but never refunded the money. The dispute was filed for this charge in XX/XX/2020. Capital One refused to refund the money siding with the merchant on the ground that the merchant will provide the voucher for future stay with them and the booking was non-refundable. The voucher was a hand written paper that I got in the email from the company XXXX ( this company processed the booking ). The hotel is permanently closed. I tried to reopen the dispute. Capital One provided a link to upload the support documents. The link gives a message that Capital One are unable to upload my documents. Calling the bank customer service ends up in disconnected calls. 
The issue is that I did not cancel the booking. The booking was cancelled by the hotel due to COVID restrictions. The screenshot the hotel provided was cancellation form the hotel sent to the booking company. I never asked the hotel or the booking company to cancel my reservation. I have correspondence between the booking company, the hotel and myself to proof it. 
I provided all this info to Capital One in 2020. Probably, nobody bothered to read it. 
Did the hotel provide the proof that booking was cancelled by me? I submitted the proof that that booking was cancelled by the provider of the services. 
According to Capital One, hotels can sell non-refundable reservations, cancel them and keep the money. 
On what basis I was not provided a credit back to my account for services not provided? 
On what basis the hotel got to keep my money for the reservation they cancelled? 
The hotel got permanently closed in XX/XX/2020 and is out of business. 
I request Capital One to reopen the case and refund the charge. 
Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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 status incorrect

Complaint:
The credit report shows two XXXX XXXX accounts with late payments for the last 36 months, whereas I made all payments on time and agreed with XXXX XXXX. 

The credit report also shows a XXXX XXXX account with late payments for the last 36 months, whereas I made all payments on time and as agreed with 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 2022-09-12
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In approximately XXXX, I opened a checking/debit account with Simple Bank XXXX I mostly used this account for easier ATM logistics, and would transfer money into it as needed, as a cash account. A few years ago, Simple was consolidated into BBVA. This resulted in no material change to the account. Last year, BBVA was consolidated into PNC. I have since opened a savings account with PNC, so now I have the cash account and the savings account. 

In XXXX of this year ( XX/XX/XXXX ), PNC started charging me a $ 7 monthly service charge, that I never agreed to. I received no correspondence that this service charge would begin. I noticed it when my cash account balance was {$0.00}. I have since deposited money into the account. The total amount of erroneous and unagreed upon service charges is {$32.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NC
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 am unable to see my equifax credit score on any credit monitoring service and they keep telling me that I have to buy the equifax credit monitoring service. They have hung up in my face and this has caused me to be denied for opportunities I have provided my id and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Kikoff Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NC
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:
All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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 XXXXXXXX Balance - ; XXXX  XXXX 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 XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nothing under the Fair Credit Reporting Act require a furnisher to furnish negative information to any consumer reporting agencies. The term negative information means information concerning a consumer delinquencies late payments insolvency or and form of default. The term non-public personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. Congress stated results from any transaction with the consumer so sharing non-public personal information to the consumer reporting agencies such as late payments you are in violation .Furnishing negative information is a violation of the consumer credit protection act. You are only furnishing this negative information because your company policies allow you to use unlawful extortionate means to coerce a consumer to make payments on extension of credit. No negative information should be furnished to a consumer credit report without their lawful authority. You are committing unlawful extortionate means such as furnishing nonpublic personal information i.e late payments charge off etc Credit acceptance you can get 20 years for violating 18 u.s.c. 894.Credit acceptance remove all late payments immediately

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 2022-07-23
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Both my checking and savings accounts have been on hold for months now and all efforts to get help from either bank at the branch or through the helpline has prove futile. I truly need help because Im drowning in debts and late payments and life is becoming extremely difficult without my lifetime savings

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 2022-07-23
Company: Experian Information Solutions Inc.
State: CT
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 place a complaint with Experian and XXXX on XX/XX/2022, explaining that a few of the creditor listed on my account had incorrect information on my credit report. On XXXX XXXX there was, and update add to my account which I feel was done by the credit bureau without contacting the actual creditor. There has been no information sent to me or available to see online. there is no place to request information on how they updated this information. My credit score then took a nine-point negative hit. This account was sold to a debit collection company, but the original creditor is the one reporting the wrong information on the 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 2021-10-25
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
during Covid from last year, the gym membership was closed as a state law mandated the members were not obligated to make payment .XXXX XXXX charged me even the gym was closed and sent me to collection .They also have a duplicate collection under my name, the one does not belong to me .I am requesting the credit bureaus to verify the inaccuracies and delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
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  ( Original Creditor : XXXX XXXX  XXXX  ) # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL 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

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 2023-09-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX  Type of Business : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : XXXX XXXX XXXX Date of Inquiry : XXXX  Creditor Name : XXXX Type of Business : XXXX XXXX Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off 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 2021-10-24
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OPTIMUM OUTCOMES sent me a letter on XX/XX/2021 regarding a medical debt that is not mine. They not only violated me because I never gave them consent to contact me. However, they are collecting on a debt that is lawfully not mine. I have no lawful contract to pay them or ever done any business with this private entity. So them contacting me on a debt is not mine is harassment. I am filing this complaint to make sure my demands are met in my letter as well as payment is sent to me in a form of a check for said violations of federal lawsuit will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: TX
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 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 explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$210.00} ), XXXX XXXX XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$24000.00} ), XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX Open Date XX/XX/XXXX, Highest Balance : {$37000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: NV
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 Account # 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

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