BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In around XX/XX/2021, XXXX XXXX sent correspondence to collect monies related to obsolete communications equipment that was never collected by the company after a cable/internet service disconnection. Eventually, the equipment was dropped off to the local office by my wife, XXXX XXXX in an attempt to remodel our garage area. 

In my first response to the collection, I did not know that my wife returned the equipment and told the company that I didn't have the equipment. Once I realized that the equipment was returned, I called the collection agency to inform them. The collection agency told me that I needed to clear this with the cable company. 
Upon calling the cable company, they confirmed that they did receive the equipment. I called back the collection company, but they remained unchanged until XXXX XXXX contacted them. I then called XXXX XXXX back and got a positive response to them fixing this situation by calling the collection agency to remove the collection charge. 

I'm not sure how to proceed with this situation. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MA
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:
XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of XXXX XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX ; 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 XXXXXXXX : {$870.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00}

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 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After we got an email that we thought was a scammer/fraud. We reported it to capitol XXXX email as scam/fraud. Mailed a letter right away in XXXX. We have sent at least ten letters stating our position. What we did and why. They closed our credit card account we have had over twenty years. Stating in general generic letters different reasons. One is that we stopped communicating. What the heck. Over ten letters we send the scam/fraud email to address they have listed not to mention the letters. We stated we wont send info over email since it is not secure. We included in several letters info on generic letter stated they needed. So obviously it is sending letters since it is a repeat of our info. However they still wont reinstate our cards. Had no problems treating long time paying on time customers as if we did something wrong. So as you can see we wont trust them on generic letters sent or emails since that is what caused original issue. Now we are questioning our account in full and all charges. Since they are being very secretive and want info over non secure email and phone. So we need entire account checked from the being. Since they seem to be hiding something on an email sent to there fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is saying that I owe them {$590.00}. I have never done any business with this company for any reason.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My research on FCRA 605 indicates that Credit Bureaus are required by law to remove and prohibit any goods that are discovered to have been opened as a result of identity theft. Once more, it looks that my credit with you has been damaged. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. Credit Bureaus must remove the following items, which are stated below : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX  Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX  Reference # : XXXX ; XXXX XXXX XXXXankruptcy Date Filed/Reported XXXX Reference # : 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 2023-05-20
Company: ALLY FINANCIAL INC.
State: NV
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix 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 2023-10-20
Company: MOHELA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a full-time teacher. 
I have been waiting on the phone for 4 hours. 
I would rather stay on the phone because the call back option has not functioned properly with past attempts being that no call has been returned. 
There is no email option as well. At least with the loan service -- before consolidating with MOHELA -- had an email option to communicate efficiently with real people. 
This is not the first time I have called MOHELA and waited an excessive amount of time for a service member. 
This is a poor way of treating educated professionals who are eagerly trying to manage their loans and personal finances. This loan service is lacking integrity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: GOLDMAN SACHS BANK USA
State: IL
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 we entered into a contract with XXXX XXXX XXXX to replace a window, an entry door and 3 patio doors. They installed them in XX/XX/XXXX, but 2 of the patio doors were not the doors we ordered. 
They said they would reorder them. They said it would take about 6 months to replace them. I paid for the window, the entry door and the 1 patio door, but I did not pay for the 2 patio doors that were not correct. 
In accordance with our contract with XXXX XXXX XXXX. 
On XX/XX/XXXX our house burned down. 
I advised XXXX XXXX XXXXXXXX and Green Sky that we still wanted the 2 patio doors we ordered and would set up a installation date when we rebuilt our house. The installed the 2 doors in XX/XX/XXXX. 
I paid for the 2 doors in full in XXXX. 
The problem I have is Green Sky and XXXX XXXX placed the bill for the 2 patio doors in collection in XX/XX/XXXX. I was never advised about this action. Due to this my Credit Score dropped from over XXXX to the mid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: WELLS FARGO & COMPANY
State: AZ
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:
Identify theft with wellsfargo, wellsfargo asked for documents of the police report, for a few months, they stated multiple times they did not receive them. Send them three times. I got a different representative on the the phone the same day and they did in fact receive all the documents. This account continues to go delinquent affecting my credit. Dealing with this account with fraud from XXXX, every time I call they transfer and hang up. Not sending me any documents to let me know to status of this account. Also did not know this account was rejected for identity theft because they are not sending any documents to inform me of anything. I have a police report, identity theft report and the officer is willing to speak with them regarding this and they still continue to hang up on me and not inform me of what is going on with this 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 non-monetary relief
Consumer complaint received 2023-04-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice of collections/ charge off on my credit file from American Express in XX/XX/. With a balance of {$5400.00} This negatively impacted my score dropping my credit by XXXX points. Im unaware of this account, not my debt.Due to inaccuracy, Id like this account to be entirety deleted and removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Rock Creek Capital, LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX account opened on my XXXX credit report for {$5000.00} in XX/XX/XXXX. This refers to an XXXX XXXX XXXX from XXXX that was turned in and the account was closed. XXXX took over XXXX XXXX in XXXX and mishandled the accounts. There are hundreds of similar cases that were then bought by Rock Creek Capital ( RCC ) and are now being erroneously pursued by XXXX XXXX XXXXXXXX  ( XXXX  ). My vehicle was turned in early, disposed of at auction, and the account was closed. I am not responsible for this debt as it does not exist due to XXXX 's mishandling of the accounts ( which is why they are now out of business ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: IN
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and 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 is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 explanation
Consumer complaint received 2022-09-29
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 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.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : 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 2020-12-16
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX my granddaughter went in to XXXX of XXXX XXXX to test drive a car. We told them that we were preapproved by XXXX and did not need their credit. Without our permission they ran my credit through 4 companies and now my credit report shows 4 hard inquiries for something that I already had approval for. 
When I contacted them they said sorry the financial guy must have made a mistake and not to worry all 4 would show as one for an auto loan. That is not the truth. 
I tried to contact experian and they said I can't dispute this online. I asked the XXXX sales manager and dealer for a letter asking them to remove these inquiries from my records but they have never responded to me. 
My credit report shows poor now and I need this fixed. i have attached the letter that shows my prequalification from XXXX on XX/XX/XXXX and also a list from my credit report that shows the 4 inquiries they ran on XX/XX/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 2017-05-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been disputing a  XXXX   XXXX  account on my credit report since  XXXX   XXXX . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus, Experian,  XXXX , and  XXXX . I sent out a letter on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  signed for the letter on  XXXX   XXXX ,  XXXX . I gave the company 30 days to respond with more information on this account. I did not receive a letter until  XXXX   XXXX ,  XXXX . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.

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 2022-04-26
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a secured credit card with Discover a few years ago. On XX/XX/2022 they sent me an email that they have mailed a check in the amount of {$1500.00} which was my security deposit. 
I did not receive the check and called them around early XXXX. I was informed that the check takes about a month to be returned. 
I called them again today XX/XX/2022. I was informed that since I did not receive the check they will need to research it and if the check is not cashed then another check will be issued. It will take about a month. 
It seems like it is a routine process and policy they have to use the free money of clients for a period of upwards of two months.

There is should be an inquiry just to check how many customers are being treated this way and how much money Discover is using in this manner

Company response to consumer: Closed with explanation