BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I made a payment on XX/XX/2022 in the amount of {$250.00}. The money has cleared my bank and Capital One has continued to hold the money after I have spoke to them several times about releasing it since it was cleared by my bank. There has been absolutely no resolve and they will not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2021-06-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that ChexSystems not furnish any information about me concerning my credit file. I believe the information for XXXX XXXX XXXX Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. 

Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of XXXX XXXX XXXX, Account Number XXXX XXXX XXXX. 

As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, Chex Systems did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Chex Systems employees are no more than data entry clerks in the dispute and investigation process. Chex Systems did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. 

I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
Ive been disputing a credit card that is reporting on my credit report that is false and causing me to be denied credit. I receive letters for three different debt collectors about the same debt, when i try to dispute with the address given my mail is being returned to sender. I have no knowledge and or contract with this company or any of the other companies that is trying to collect on this inaccurate debt. the alleged debt is in the amount of {$750.00}, I have not been provided with any proof that I owe such debt from any of these debt collectors and credit bueraus. Everything continues to come back as verified accurate still with no proof of accuracy. I have a letter form the alleged original creditor XXXX XXXX XXXX  stating that they have no record of the account ending in 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 2021-06-14
Company: CITIBANK, N.A.
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:
While checking my credit report, I notice an account from MACYS DSNB that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that MACYS DSNB is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

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 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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-02
Company: Experian Information Solutions 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:
In XX/XX/XXXX I noticed several errors on my consumer report and is disputed the errors to get them corrected. I have never had any late payments and Experian is showing that I do. I asked them to investigate and they say they verified the accounts but have not shown any proof. Who did you speak with? What documentation do you have proving that my payments were late? An investigation includes them speaking with people and gathering information, not e-Oscar, which I dont consent to. Please re-investigate and make sure my report is 100 % accurate. As of right now Experian has violated my consumer rights by not doing a fair and complete investigation. These are the accounts to re-investigate as well as the dates they have me marked as late because I have never been late. XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX 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 2022-09-05
Company: Experian Information Solutions 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:
the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Activehours
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I set my direct deposit through Earnin, and now I can not pull money out of the Earnin wallet to use. Everyone I ask for support they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo already made debt settlement and they still want me to pay more paid XXXX XX/XX/XXXX was total settlement

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 called XXXX XXXX they stated they deleted my acct and sent it to credit agency to remove my acct is still reporting on my acct

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 2023-02-09
Company: EQUIFAX, INC.
State: VA
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:
To Whom It May Concern : I recently received a copy of my ( Equifax ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in 2023, XXXX XXXX XXXX less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello Approximately 2 weeks ago I had noticed a change on my credit report Springleaf Financial ( Now OneMain ) had deleted the current loan I am paying on from both my XXXX and XXXX Reports. So I called Springleaf ( Onemain ) AND Spoke To XXXX in their Credit Reporting Department ( XXXX ) I asked her the reason for the deletion her response was since I am paying my loan back via a Attorney That OneMain is not required to report on the individuals Credit Reports it 's according to OneMain Polices. I did n't know this was aloud do to the Fair Credit Reporting Act. I was never informed of this policy. Late last year Springleaf Financial Changed names to OneMain again without informing myself. I had previous loans that are paid and over 7 years old that can be removed from my reports. XXXX informed me that if I want to remove or dispute items on my reports that I need to call her directly instead of thru the dispute process on XXXX or XXXX can she make that kind of statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a collection notice dated XX/XX/2021 for the amount of {$420.00} with a debt collector I have no written or verbal contract with. I have found them in violation of the following codes ; 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( B ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), 15 USC 1692g ( 3 ), 15 USC 1692g ( 4 ), 15 USC 1692g ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: NC
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:
IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX reported that Experian added a new address to my credit report. 
I spoke with Services at XXXX XXXX and they said I had to contact Experian. 
I called Experian services and they said XXXX added the address. 
I then closed my XXXX account but the address remained. 
I logged into my account that was supposedly free because of a data breach and they gave me a membership. 
I created a dispute but it said that address change could not be done online. I called the number listed and tried to get through to anyone but the autobot politely hung up on me. 
Now there is an address listed that is not mine and there is nothing i can do but buy a higher membership. I will not pay someone extortion money! 
This is outright EXTORTION!!!!!

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 2021-09-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i noticed on my credit report that the account was closed recently. i called them, they stated that i called called them XX/XX/XXXX .. and asked them to close my account.. 

the problem is, i never called them to close my account. i am a victim of identity theft lowes rep stated that i called them to close the account.. i did not call. 

i never received a letter, or an email stating my account was closed. the person that called that day is not me. i did not call XXXX to cancel my account, that was not me.

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 2021-08-09
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: Account status incorrect

Complaint:
Student loans that are current are showing up twice, once as current and as late. Both have the same account numbers, the credit reporting company continues to report 11 loans as late monthly even when they are current. I have tried many times to contact them and they tell me they will fix it and they never do. This has been going on for over 6 months. I have also contacted the department of education and they say this should not be happening to contact Transunion, 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