BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All debts are not mine, negative reports and delinquency is proving to have adverse effects on acquiring financing. These people, delete these erroneous findings please for heaven sake. I deserve a better quality of life and for this to happen these fake ridiculous accounts should be looked into so they can be removed at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
this is a dispute with Capital One ( Case Number : XXXX ) about a rentalcar on XXXX billed on XX/XX/2021 for {$540.00}. ) I returned merchandise or canceled services that I ordered. ( ) I am still being charged for a service that I previously canceled. 

I rented a van on XX/XX/2021 to be picked up from XXXX XXXX XXXX on XX/XX/2021 and return it.on XX/XX/2021, On XX/XX/2021 I decided to drive my own van and canceled the rented van. on the same day I received cancelation confirmation which is attached and I though they will send the money, however they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX debt was paid to the original creditor, Capital One, in full. I have no outstanding debt with Capital One, and no reason for XXXX XXXX to continue to claim that I do. 
XXXX. I notified XXXX XXXX that a. the debt was already paid and gave them documentation that showed proof of this payment through both email, chat and priority mail service. b. they continue to incorrectly report an open account with them to all three credit reporting agencies. c. that since the debt was already paid, they had no right to report my account to those agencies. 
XXXX. XXXX continues to report that I have an account with them that is unpaid and open. I have given them verifiable proof, and they are just ignoring it to be malicious. Each of the reporting agencies has verified that XXXX XXXX maintains it has an open account for me for the referenced debt. 
XXXX. As the debt was paid to the original creditor, XXXX XXXX is required to remove their notation from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX. 

Accounts to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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 XXXXXXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-06-05
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX date on XX/XX/22 am demanding CCS COLLECTIONS to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ticket # XXXX XXXX XXXX XXXX TN I have an auto loan with your company. I make weekly payments on line. The payments are going toward the principal not the entire loan balance. I was charged late fees and sent a past due letter. I was advised I will have to call every month to charge how the weekly payments are made. I was advised that there was no way to change this unless I called each month for the next 5 years. I was on the phone for 2 hours trying to correct the bank 's mistake. I'm VERY UNHAPPY with your company and the way my loan is being handled by people I can not understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck online to find account. I was told I would then have a virtual card, but this was not the case. 

I'm an effort to access funds needs for essentials, I attempted to move funds using XXXX. 

When I did this my account initially was frozen and after a heated phone call, I was hung up on and my account was locked. I believe this was a punitive action by associate upset by my call. 

They were given information needed, but called and would not provide adequate information for my company payroll department to verify which escalated further in ally fraud department. 

They have indicated that even if check clears, I will not have any access to funds until they have " evaluated '' and verified my account. 

I have provided them with all information they have requested. There has been no indication when nor how a decision will be rendered.

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 2023-04-05
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-25
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX. 

Accounts to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Bankruptcy Chapter XXXX XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2021-02-11
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
XXXX Is the original claim number, the complaint was closed, stating that my bank charged back the amount. This was a temporary charge back until the claim was rectified by paypal. I showed documentation of the fraud that was being committed by paypal. It was by using my information as a guest login in order to pay for services that were not received. When i was redirected after paying paypal ( after amount confirmation ) it was re-routed to a donation. I dont know the person that the donation was given, i did not intend to donate anything. I showed documents of me paying for two XXXX XXXX XXXX it is within the original complaint which is stated above. 
My bank provided me with consumer finance since they can not help me since the payment was made through paypal. I have tried countless times to address this with paypal, but they consistently closed my case and are not actually looking at the documented evidence within my case. Similar to what you did ... i provided a confirmation amount for goods. I showed the fraudulent donation page that i was rerouted towards after being forced to pay as guest i showed the bank statement on XX/XX/21 that had yet another fraudulent name posting to the debit on my account. Paypal can not locate this because they provided separate names for each stage of this transaction. I contacted paypal the exact date of the order being placed and was advised that I HAD TO WAIT FOR THE AMOUNT to PROCESS AND POST to my account, despite having immediately notified them that i was re-routed to this donation page. Then i could not make a claim because it stated that donations are not eligible. I tried to explain the fraud, they even have a statement, and i sent in proof that i was attempting to pay for goods not make a donation. They brushed me off. Additionally, they told me i had to go through my bank ... .which is what i did, they refused to talk to each other, and sent my to consumer finance, where i have been yet again ignored, and case closed despite having supporting documentation entirely. If this is not resolved, i would like more information on consumer attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been trying to get this derogatory off my credit report for months. I have sent in 4 disputes and nothing has been done. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I originally filed a report with your agency back on XX/XX/XXXX, # XXXX. At that time, your agency would not listen or even attempt to assist me with the ongoing fraudulent activity happeneing with Navient and within the University XXXX XXXX. In XX/XX/XXXX, Navient agreed to pay more than {$31.00} XXXX  in relief to XXXX  borrowers due to this. WHY was mine not included? I looked for your agency to be the voice of the people and assist us - your agency was far from that. 

As part of the XXXX XXXX XXXX settlement, I have been automatically granted relief with my student loans that had been fraudulently placed on forebearance, out of control payment plans, and more. Navient had been known for predatory tactics and taking advantage of many. Your agency should be ashamed for not listening not just to me by the countless others who looked at you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Upgrade, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account was reported late on my credit report. My loan payments have been deferred due to the Woolsey fires here in XXXX XXXX Ca. This should not be reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
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 fraud alerts or security freezes

Complaint:
The complain about my phone number being added to credit Bearer Experian. 

I'm having problem getting accepted for credit cards which I am pretty much approved but when I call the bank they have informed me that my cell phone number is not added on the Experian credit report because there is alert on it so if there is a alert there should be a number also so that bank could call that person and verify him. 

So that's what happened I called my XXXX XXXX credit card department and they told me the reason that I did not get accepted for the credit card because I have a alert on my credit report which is Experian and there is no number attached to it if there was then XXXX XXXX credit card department could have called me on that number to verify me and I would have been approved and that was the only problem in my head so I'm trying to get in contact with Experian but when you call on their numbers it's just Automated machine talkin couldn't get hold of Representative so that I could add my cell phone number. 

So am I complaining is about Experian I want them to add my cell phone number and remove the fraud alert and also two- accounts that I have which was supposed to be removed when I contacted them by mail.

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 2022-10-31
Company: EQUIFAX, INC.
State: NC
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 sent my letter off to Equifax on XXXX XXXX, XXXX. I told Equifax to do a full Investigation on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXXAlso is the response letter they sent me to respond to my letter. I ask XXXX to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and US Department of Edu XX/XX/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. Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
My XX/XX/2020 payment shows I was over 30 days late. However my account was not 30 days late. I have contacted GM about the inaccurate reporting and they advised me to contact the credit bureaus. I have but have had no resolution on this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy. 

15 u.s.c 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s.c 166B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
transunion says they investigated my account and how do these wrong things remain on my report hard inquirys i never made XXXX  to be exact with XXXX XXXX XXXX bank i did make XXXX XX/XX/XXXX but others i didnt on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX were made by someone else please investigate 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 2022-10-17
Company: Selene Holdings LLC
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:
I've been in Dispute with Selene Finance since 2021. They've been reporting on my credit for the year as up to date. They even removed themselves off of the credit report in XXXX. I've not heard anything from the company then out the blue they pop back on my credit report stating that I am delinquent and that they were just the servicer for XXXX XXXX XXXX XXXX. Attached you'll find exhibits of Selene Congratulating me on the Pay off of my mortgage along with screenshots of the account removed off my credit. This is very frustrating.

Company response to consumer: Closed with explanation