BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: DriveTime
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:
I went to XXXX XXXX to test drive a vehicle on XX/XX/2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I went to XXXX XXXX to test drive a vehicle on XXXX XXXX, 2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been a victim of identity theft. I have numerous accounts on my report that wasnt opened by me, please remove these fraudulent items.

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 2022-04-27
Company: EQUIFAX, 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: HYUNDAI CAPITAL AMERICA
State: OK
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:
I purchased a XXXX XXXX in XX/XX/XXXX and used XXXX XXXX  as the servicing finance company. The original balance was roughly {$24000.00} with a 0 percent interest rate. 

In the spring of XX/XX/XXXX, my wife was involved in an auto accident with the vehicle which resulted in the total loss of the vehicle. We did not have gap insurance and there was roughly a XXXX dollar difference in the amount paid by the insurance company and the outstanding balance on the loan. Our insurance company paid their share, and we continued to make payments as agreed upon in the original contract. 

My wife was contacted by XXXX XXXX, asking to have the remaining balance paid in XX/XX/XXXX. She responded to them and told them we would continue to make the payment, as agreed. She was told, " This is going to be very negative for your credit ''. She disputed this with the representative on the phone on the basis of never being late, or never missing a payment is a pretty great pattern to have on your credit report. 

We have continued to pay as agreed in the contract, we have not been late nor have we ever missed a single payment for this account. Upon checking my credit, I have noticed that it is now listed as " Bad Debt/Charge off '' and has lowered my credit score substantially. 

I called the XXXX finance company today on XX/XX/XXXX whose rep said that I should " dispute with the credit reporting agencies, because this is how we do it ''. He also stated I should " call another day because I didn't want to listen to the XXXX process '' after I had plainly told him they were violating my rights under the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: U.S. BANCORP
State: DC
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:
This is in reference to my US Bank account ending in XXXX. 

I had emailed them last year when I had just moved back from California to XXXX DC and was not receiving my statements. I had filled out my Official USPS Change-of-Address form before moving, and most of my other mail was able to be delivered. 

But because nobody had been living at the address I moved to in the past few years ( It's a family owned apartment ) the postal carrier wasn't delivering the mail. I had to go across town to the Postal Center and reclaim the mail. 

So I didn't do anything wrong, and it's not my fault that I wasn't receiving statements. Plus I had to move last minute back to the East coast which is disruptive enough. 

Regardless, I would have paid these on time if I had been receiving my statements. My payment history is excellent otherwise, except for these 2 'late ' payments.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: MD
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX data breach whichmay have gotten into the hands of unauthorized individuals.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: LA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-06-02
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:
I am trying to purchase a new house and I am unable to do so with the damages on my credit report. I have reached out to each credit bureau through certified mail and have yet to rectangles response. According to the 15 u.s.c 1681 there should not be any damages to my credit report. This is a deformation to my character.

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 2023-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is currently an inaccurate item being reported on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX account # XXXX. 
On XX/XX/XXXX, I have contacted XXXX XXXX XXXX XXXX XXXX to verify the ownership of this account at the address listed on my Equifax credit report : XXXX XXXX XXXX, XXXX, VA XXXX via certified mail return receipt. 
The mail was returned back to me as undeliverable due to invalid address. 
On XX/XX/XXXX, I have contacted Equifax with a copy of the returned mail demanding the removal of the account due to the incorrect information being reported. Equifax received my correspondence on XX/XX/XXXX and opened an investigation. On XX/XX/XXXX, the investigation was complete and information was verified as accurate. As of today, XX/XX/XXXX, the address reported by the furnisher is still false and the account has not been removed. Equifax ignores the facts and neglect to conduct adequate and proper investigation into any inaccurate and/or false information reported by furnishers. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any credit reporting agency if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. '' Since I reported it as inaccurate and Equifax initiated its investigation by contacting the furnisher in that regard, the furnisher has a knowledge of the false information which violates my consumer rights. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. Should this false information remain on my credit, I I have no choice but to proceed with other legal actions. Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made numerous attempts to obtain validation for this debt have received nothing that is valid to support that this is my debt. I am attaching all of my attempts to resolve this issue which has been going on for atleast a year. The company has not been able to provide any contracts and or documents with my signature to validate this debt and this is really caused me a lot of damage to my credit report and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been dealing with IC Systems for at least 10 years if not longer. I had XXXX XXXX and I have been paying on that and other medical bills since 2012 or so. I pay them {$75.00} a month as I have been for roughly 10 years. That equates to at least {$9000.00}. I don't know what I owed originally and what has been added to it. But from what I understand, once a debt is sold to a third party company they are collecting a debt they purchased. I feel as some point this payment needs to stop. I do not have the means to pay {$75.00} in perpetuity. Shouldn't this debt be satisfied 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 2023-02-16
Company: EQUIFAX, INC.
State: PA
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:
For the past year I have been disputing incorrect items on my report. I was told an investigation was being conducted but items weren't deleted off my report while the investigation took place and I never received correspondence of who they spoke to or any information I requested. I sent all letters certified mail and got confirmation they were received. They keep " updating '' the account but it is still reporting incorrect information and they won't correct and delete these items. These negative incorrect items has prevented me from obtaining credit to purchase a home and obtain credit. I never get any documentation of requested information, just a copy of my credit report. The collection accounts have be proven to be reporting fraudulent or incorrect, they were delted but the collection company sold it to another company, and it should back up on my credit report and no one is really investigating my disputes. Just updating what is already on there, XX/XX/XXXX, XXXX XXXX '' XXXX '' XXXX, and XX/XX/XXXX XXXX XXXX  {$760.00} XXXX XXXX XXXX, XXXX, and XXXX, Equifax-told me on several occasions that they investigated this matter but it still listed on my credit report as XXXX XXXX I had gap insurance on this vehicle I no longer owe them, which the company has cashed out on. 
XXXXReporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 or about and during XX/XX/2016 and including years of my XXXX   I became very XXXX  and during my XXXX medical care care was assign to work in my home, their jobs Included paying my bills. As a result of a XXXX on my XXXX  I had to rely on medical care I didnt realize that these individuals were using my credit cards for their own benefits after I paid my balances off. When asked by creditors why I continued paying my bills I did not know That these individuals were doing criminal activities on all my paid off credit cards. Again these individuals only had authority to pay my bills but they paid my bills and used my credit Cards. These activities were reported by the state police A police report was given to all the creditors. 

Capital one issued new credit cards by changing the account number but failed to drop the late information or data and carry Lateness 30, 60, 90, and 120 days late. When the credit cards were in the criminal hands. it is clearly known that that this data only occurred doing the Thief I have beenDisputing with Captail one for close to three To 4 years now the Credit Bureau s companies have over 130 requests to remove the late data off of the remainder new credit cards I have now. 




Cards below are Active clients late fees 30 days, 60 days,90 days, and 120 days show be removed XXXX XXXX XXXX Please the cards that are newly given are perfect only the lateness should be removed Constant disputing causes and Inaccuracy. 
please the cars listed below are active One particular credit card that was dispute To the capital one. The company stopped the credit Ending by closing the account out and issued Another credit card but never sent the new credit card nor erase the data that transfer to the new credit card. I do not have this credit card in my possession that company never issued this account was used by self with a police report XXXX This is the only card should be removed off my credit This card was replace with Another number capital one is charged interest and fees on a card that was never given to me that was given a police report for thief and now is a charge off on my credit report for years and has constantly being disputed with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this is my SECOND WRITTEN REQUEST. The unverified items remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion still hasnt removed a bad inquiry report from my report that has been closed.

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