BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX XXXX XXXX Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

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 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Capital One took over the Walmart Credit card account from XXXXXXXX XXXX. I called XXXX XXXX  in XXXX due to not receiving a statement. I was advised at that time they no longer handle the account and to call Capital One. I called Capital one and advise the account was past due. I advised the representative a bill was never received and I had no idea the Walmart credit card was being serviced by another company. We discovered the reason no bill was received is because my address was incorrect. The address was updated, the representative removed the late fee, and stated my credit would not be effected in any way. I checked my credit report and saw Capital One reported the account late 30 days. I called and spoke with a representative that stated would have it removed since I never received a bill. However, the late reporting was not removed per conversation with representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Paramount Recovery Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt with Paramount Recovery for {$650.00} for my account to be deleted but its not on my credit and every time I called they say its been reported but the credit bureaus say they havent reported it since XXXX and its holding me up from buying my home..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: IN
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identity theft and the information on my credit reports are inaccurate. Hence why I would like to have the following accounts removed from my credit profile please. 

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 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 2023-03-04
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts for proper and clear reporting in my file that prevents from degrading my score. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}

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 2021-05-13
Company: Experian Information Solutions Inc.
State: NY
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:
During the past few months, I have been trying to get the credit bureaus to remove inaccurate, unverified as well as unknown information that is being reported on my credit report. I get a all account are verified when I know for a fact that can not be true because the Date Last reported never updates. Even my name is spelled incorrectly as well as addresses. Per FCRA 611 ( a ) the credit bureaus have to investigate within 30 days and if not done, should remove all accounts that Are being disputed immediately. I havent heard back from them in over 62 days. This is unacceptable and I will seek litigation if these account are not removed from my consumer report. This is causing me great harm. I have submitted a copy of a credit report that is factual based errors that are highlighted which I havent received a response yet.

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 2022-11-29
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX threatening a lawsuit over a cash advance loan that I have no recollection of ever getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NV
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 Balance {$2100.00} XXXXXXXX XXXX XXXX  XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
This complaint is regarding TransUnion 's investigation to correct inaccurate information on my consumer credit report for my XXXX  XXXX  ( mortgage account ) as follows : In " PAYMENT HISTORY '' Section - shows for XXXX, XXXX, XXXX, XXXX and XX/XX/2020 as " UNKNOWN '' and TransUnion has not corrected this error by failing to report these payments were in fact made for these months. 

I am disputing the above because our mortgage servicer, XXXX, failed to report payments made for XXXX, XXXX, XXXX, XXXX and XX/XX/2020, when our Account was NEVER in forbearance. ( Note : As of XX/XX/2020, TransUnion has updated and corrected my credit report by removing the forbearance off this account ). 

ALL PAYMENTS WERE TIMELY MADE TO XXXX, INCLUDING XXXX, XXXX, XXXX, XXXX AND XX/XX/2020 ( Please see attached Loancare Billing Statements for XXXX, XXXX, XXXX, XX/XX/2020 and XXXX Payment History Report for XX/XX/2020 payment ). 

THEREFORE, I AM DEMANDING THAT TRANSUNION CORRECT THEIR ERROR ON MY XXXX  ACCOUNT AS FOLLOWS : IN PAYMENT HISTORY SECTION REMOVE UNKNOWN FOR XXXX & XXXX AND REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX, XXXX AND XX/XX/2020. SINCE THESE PAYMENTS WERE MADE TO XXXX, TRANSUNION IS REQUIRED TO REPORT THIS ON MY CREDIT HISTORY FOR THIS ACCOUNT ( please see attached XXXX  Billing Statements for XXXX, XXXX, XXXX, XX/XX/2020 and XXXX  Payment History Report for XX/XX/2020 payment ). 

Please See the Following Attached Supporting Documents : 1 ) TransUnion Credit Report After Dispute Dated XXXX XXXX ) XXXX  Account - Payment History Report XXXX 3 ) XXXX  Account Billing Statement for XX/XX/2020 XXXX ) XXXX  Account Billing Statement for XX/XX/2020 5 ) XXXX  Account Billing Statement for XX/XX/2020 6 ) XXXX  Account Billing Statement for XX/XX/2020 WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE WITH OTHER LENDERS AND WE ARE UNABLE TO DO SO BECAUSE OUR XXXX  ACCOUNT HAS FAILED TO REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX AND XX/XX/2020, WHICH NEGATIVELY IMPACTS OUR CREDIT PAYMENT HISTORY. WE ARE DEMANDING THAT TRANSUNION IMMEDIATELY CORRECT THE ABOVE ERROR AS THIS IS PREVENTING US FROM WORKING WITH ANY LENDERS.

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 2020-08-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously disputed two debts listed for collections by a 3td party agency via XXXX XXXX for XXXX an XXXX XXXX that were supposedly open in WA state in XXXX. Both were removed from my XXXX  credit report as fraudulent. The agencies have apparently sold the debt to a new agency or the original creditors provided the info to a new agency and the debts are again showing on my credit listed with ICS Systems out of MN for XXXX XXXX {$240.00}, and XXXX XXXX XXXX for XXXX {$430.00}. I feel all creditors, Collections Agencies and Reporting agencies are grossly violating my rights as I have disputed these debts due to identity theft or fraud on multiple occasions and the accounts removed due to inability to validate the debt only to have them put back on my credit again by a new Collections agency that did not validate the debt and the Reporting agency did not prevent this repetitive abuse and harassment

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 2018-02-26
Company: CREDIT ACCEPTANCE CORPORATION
State: VT
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:
Credit Acceptance shows as a hard inquiry on Consumer 's Credit Report. Was supposed to be removed XX/XX/2018 and is still has not been removed from consumer 's credit report after appearing for two full years.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Possible mishandling of funds possibly resulting in inappropriate issuing of fees.

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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-09-17
Company: Ability Recovery Services, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to Ability Recovery in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this 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 2023-10-19
Company: Experian Information Solutions 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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2020-08-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I requested a replacement card on-line & received an secure email that there was an 'issue ' & someone would get back to me withing 7-10 business days. I called Comnety ( regarding my BJ 's card ) to see if they could resolve & he could not. I have a {$1200.00} credit, so wanted the replacement card to use up the credit. Since they are delaying the replacement card ( kind of fishing there is a problem when they have my $ ), I asked for a refund, which he said would take a few weeks. 
Thank you for your assistance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted a police report stating clearly that an account with Bank Of American had been opened back in XXXX without my consent and is still showing on my XXXX XXXX report. I submitted this police report to XXXX XXXX and it is notated on the report by the police officer that this account was opened without my consent. XXXX XXXX  refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to XXXX XXXX in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.

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 2023-04-11
Company: Experian Information Solutions 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:
According to 15 U.S. Code 1681b ( a ) ( 2 ) without written consent specifically from the consumer, companies or credit reporting agencies are not allowed to report any information on my credit report. I never gave any company that is reporting accounts on my credit report my permission to report any of these accounts onto my credit report. This leads way to identity theft. Due to this drastic mistake I am asking that these accounts be removed according to 15 U.S. Code 1681c-2. None of these accounts report any transaction that was made by the consumer and must be removed immediately within the 4 day time window. I have sent every company a certified mail letter explaining these discrepancies but nothing has been accomplished. I am a federally protected consumer and should be treated as such.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Repair Info Police Report Hello as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXXXXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY XXXX XXXX Ct XXXX, LA XXXX United States

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