BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-02-17
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
American Honda Finance Corporation ( AHFC ), doing business as Honda Financial Services reported a " late payment '' to credit agency without my written consent violating consumer law 15 USC 1681b and 1681A ( 2 ) ( a ) ( i ) The law stated : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term " CONSUMER REPORT '' does not include : ( A ) SUBJECT TO section 1681 s-3 of this title, any : ( i ) report congaing information solely as to transactions or experiences between the CONSUMER [ ME ] and the PERSON [ AHFC ] making the report. thus, the reporting violated my right as a consumer and I need for the " Late payment '' withdrawal and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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 sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXXXXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX  Inquiry XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 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 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 2023-12-15
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX please do 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
" Did you change your mobile number? 

Lets make sure weve got the right number. 
XXXX, Looks like the mobile phone number we have on file for you may be incorrect. This could be the result of changing your phone number and/or mobile carrier. Please update your mobile number so you can receive important account alerts. '' I received an email ( above ) from Capital One at XXXX on XX/XX/XXXX  while out of town at a business event. I raced back to my hotel room to check if my identity was stolen which had happened a month prior with another credit card. 

I logged on to the Capital One to find my phone number had not been changed. I called Capital One customer service and the first rep. denied it was sent, then I spoke to a supervisor and she admitted it was sent but could not explain why it was sent. 

This erroneous email caused me stress and lost time ; as I noted I just had a identity theft breach on another credit card. This is wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital one quick silver claims they update with credit bureaus every 30 days but its not true they reporting based off when they statement month start and ends which is cause me an issue because I paid credit balance off in full XX/XX/2020 and Im being told they cant update credit report with bureaus again until XX/XX/2020 when it should be reported XX/XX/2020 since it was paid in full in previous month of XXXX so Im taking another hit to my credit report coming off the pandemic where I already took so many hits to the report its bad business and as a consumer is causing me to be limited in what actual can obtain because my credit report is still showing delinquent when it shouldnt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company Collection Consultants of California has been harassing us over a year by phone calls saying we owe a hospital bill that we know anything about. They keep calling and adding interest on to the bill. We beg them to please sent us an itemized statement of what this is. We never received a bill. We always pay our bills on time and this company has attacked our credit rating. It is wrong to attack out rating when they will not supply us with the information. I do n't know anyone who would just write a check to any company who claims you owe {$10000.00} with out any proof of what it is you owe. So I am filing this complaint with you. I went on our credit report and disputed this debt with XXXX 
I just got back in town after being gone for 3 weeks moving my daughter across country to college. In my mail is a bill from Collection Consultants of California for {$10000.00}. The assigned amount from the hospital is {$8500.00} plus XXXX in interest to this company CCOC who claims we owe this. In this envelope is an itemized statement from the hospital from XXXX of XXXX with my name on it but the wrong address. So someone at the hospital had been sending this bill to the wrong people then they send it to the collection company and they start harassing us and not sending us the itemized statement that we requested a year and a half ago. This whole time this company CCOC has had our correct address and can clearly see the bill from the hospital was incorrect but yet they refused to send us the itemized statement so that they could continue to charge us interest and ruin our credit rating. This is horrible to do to people we had incredible credit score and this is the only company that has messed up our credit score and harassed us and is charging us interest on something we new nothing about cause it was sent to the wrong address because the hospital put in the wrong zip code. CCOC had our correct address and could of fixed the problem over a year and a half ago. illegal and dishonest!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I received a call on my work phone after the representative identified themselves I informed them this was my work number and I am not allowed personal calls on this line. I have received several more calls since that date on : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX/XXXX/2020 XXXX/XXXX/2020 I would like these calls to stop as my advising them personal calls are not allowed per my employer 's policies and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: VA
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:
Recently, I paid off my mortgage in full. The mortgage company informed Experian that my mortgage was paid in full. Several days later Experian sends me an alert indicating that my FICO score has decreased by XXXX points. My credit usage is at 4 percent and I have no credit cards or accounts in arrears. There is no reason for Experian to decrease my FICO score and yes they assign the FICO number, contrary to what they tell everyone. There is no way to address this issue with Experian. They are a predatory company that does whatever they want to with impunity. 
My resolution is for Experian to increase my FICO score by XXXX points which will give me a perfect score as I had before. 
Credit Bureaus should not act in this manner, paying off a mortgage is a positive aspect of one 's credit, not a negative aspect.

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 2022-04-13
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I was in the process of booking a flight on XXXX. During the process I was offered a {$400.00} discount on that transaction, plus XXXX bonus miles if I applied for the American Express Gold Skymiles card. I applied, and was approved, and clicked the link to request the card number so that I could use it for this transaction. However, when I went to do so, the American Express site required the security number from the physical card in order to see the card number, which of course I did not have. I attempted to navigate to this number instead from the approval e-mail I received, and when I did it said that the number was not available. 

I contacted AmEx customer service, who told me that these cards are not available for instant access. After being elevated to a supervisor, I was offered to have the card overnighted to me, which I accepted as an alternative. However, I then discovered the supervisor canceled my other AmEx card ( XXXX XXXX XXXX ) and sent the reissue for that overnight instead. I contacted customer service, who told me that they can not expedite the XXXX card, i.e., I would not be able to use it for the flight that I'm trying to book, meaning that in order to receive the credit, I would have to book another XXXX flight on the card at a later date. 

Now I also can not use my other AmEx card until the replacement arrives because it was erroneously cancelled. I was not offered any further assistance. I cancelled the XXXX account since this appeared to be a bait and switch ; I would not have applied for the card had I known I would not be able to use it on that transaction, as advertised, but would have to make another XXXX purchase after my card arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, at XXXX XXXX, I received a text alert from Wells Fargo informing me of multiple withdrawals. I opened a new Wells Fargo business checking account under XXXX XXXX XXXX. I was supposed to receive a business debit card in one envelope and the pin in a separate envelope. I never received the items, however, it's also worth noting that my mailbox isn't secure and it's easy to take someone's mail without using a key. I called immediately when the incident occurred. Though the bank stopped the second and third withdrawal attempt, the suspect was able to takeout {$300.00} from their first withdrawal. I disputed the transaction, however, Wells Fargo denied my claim because the suspect had both pin and card. According to Wells Fargo that there's no way for anyone to steal these envelopes since they are mailed separately and that the only possibility is that either I did it or someone whom I knew did it. I requested to get a new card and pin, and I filed a police report to dispute their claim. And now I've come to CFPB to submit a formal complaint.

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 monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2019 I faxed over identity theft report, block request and ftc furnisher report and they opened the dispute but keep saying they have not received the documentation. Also this has been deemed as identity theft by the original credit XXXX XXXX   XXXX XXXX ( XXXX XXXX ) account XXXX. Also uploaded documents on myequifax.com and they are still saying have not received the supporting documentation. I would like for this to be removed immediately as this is affecting my livelihood. Attached please find identity theft report, block request, ftc furnisher and showing fax was received on XX/XX/2019 Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business checking account with Bank of America since more than 10 years. I recently deposited a cashiers check at an ATM of more than {$5000.00} from a credit union on XX/XX/19. The bank has put a hold on the complete amount till XX/XX/19. I called their customer service line and spoke to XXXX today. I was told that nothing could be done to release the amount earlier because they had not been able to verify the check 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