BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
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: Was not notified of investigation status or results

Complaint:
I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in 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 explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with XXXX, Transunion, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

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 2023-03-02
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:
XXXX, Experian, and XXXX are illegally reporting negative information on my credit report. 
I did not consent to this violation of my privacy 15 U.S.C. 1681 SECTION 602 A - states that I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 - also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1692A -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also, my credit reports from Experian and XXXX XXXX reporting different, inaccurate information which they falsely claim to have verified 15 U.S.C . 1681i ( 5 ) 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account : XXXX  XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : 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 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 2023-11-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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: Investigation took more than 30 days

Complaint:
COMPANY NNEVER RESPONDED PASSED 90 days

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 2022-12-12
Company: EQUIFAX, 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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before XXXX days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020 Dear Capital One : This letter is in reference to the negative payment reporting from Capital One, that is now listed on my credit report. I called customer service last week and I spoke to two individuals, whom I was trying to get this issue resolved. The first representative with whom I spoke with was very rude and not pleasant in reference to my concern I wanted to address. The second person I spoke with presented me with the information, I needed to submit a letter to Capital One reporting department. I have been a customer for a number of years with Capital One with which I had an auto loan that was paid off and credit cards in addition. The XXXX  credit card however is the issue. I did not receive a statement from Capital One in two months, I was not aware a had a little balance on the credit card. I assumed I paid off the balance. My statements are sent electronically, but however I did not receive the two statements. Sure, enough if I had received the statements, I would have paid on time as I have done. I am sorry I just did not receive the statements. I checked my spam folder in addition, and I did not receive any statements from Capital One. What prompted my quick attention to my account was an email I received that stated I was two months behind. I could not believe this has happened to me, as this have never happened before. If you were to review my payment history on all three of my credit reports, you will see I have never missed not one payment on any of my accounts. This impact from Capital One have destroyed me credit report and I understand Capital One may show that my statements were sent out. I would never miss any payment as I want to keep my credit history up to standards. However, once I received an email from Capital One about the missing payment, I immediately that day made a payment of {$150.00}. I would never miss a payment without first calling Capital One and working out an arrangement. I would ask if you can please forgive this mishap and report my payment history back to great as it was before. I appreciate your assistance with this matter. I also appreciate the time you took to read my letter. Any questions or concerns, please feel free to call me at : XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got a job babysitting and the woman asked to send me a check which was to be sent to her daughters birthday party vendor through paypal. once it was sent, it switched to euros and she was XXXX  me to cancel it. i knew then it was a scam and she is a sort of criminal having me send someone random money. When going to bank today, i saw the check was returned and I now am XXXX  XXXX in my account with a toddler as a single mother. i need the money back and transaction cancelled ASAP. ( she asked me to send it because she said she is in new zeal and ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: OH
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 XXXX  Account # XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C.1681 section 602A.. States I have the right to privacy.

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-02
Company: PNC Bank N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/2021 I contacted Pnc bank about a dispute from an airbnb that scammed me while I was away on vacation. The XXXX charged me XXXX for the stay and when it was time to check in the XXXX host did not answer. Pnc refunded the funds, and the within 90 days the funds were taken back from my account. There was fraud and the account was closed, but the dispute could not be re-opened and I lost an account I had for 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, Equifax and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations. 

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
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 am writing to file a second complaint regarding a late open account that is still inaccurately reported on my credit report, despite my previous dispute and request for correction. I am deeply concerned that this issue persists, and I insist on your immediate and thorough investigation to rectify this ongoing inaccuracy. I previously disputed the inaccuracy of this account and provided documentation to support my claim. I expected a prompt resolution to this matter, but regrettably, the account continues to be incorrectly reported as late open. 

I urge your bureau to conduct a comprehensive review of this account and correct the status immediately to accurately reflect its current standing. This continued reporting of inaccurate information is not only detrimental to my creditworthiness but also frustrating as I have taken necessary steps to address this issue. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary correction has been made. Additionally, I request an explanation for the delay in resolving this matter, as it has persisted despite my initial dispute. This late open account in my credit report should be corrected right away : XXXX XXXX Balance : {$900.00}.

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 explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: IN
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 REFERENCE TO XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!

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 2023-02-07
Company: TRUIST FINANCIAL CORPORATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card was stolen from me and fraudulent charges where made on my account. I have advised truist on many occasions that the card has been stolen and there are many fraudulent charges on the account. Recently they sent a bill for {$1400.00}. This account balance is incorrect. I was also advised that they would remove all charges and fees from truist since the card was stolen. However that is not the case. They continue to add Truist fees and charges even though the card was stolen. I was also advised by truist not to make any payments on the card until the investigation is complete. However, Truist closed my account instead keeping it open and completing the investigation. The fraudulent charges need to be removed from my account as soon as possible.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX of XXXX, I submitted a letter to TransUnion regarding XXXX XXXX showing on my credit report that is not mine. TransUnion responded with a letter that the account was verified. On XXXX XXXX I submitted a letter directly to the source that TransUnion stated they verified the account with. The Public Record listed on my report shows XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Within my TransUnion report, the address of verification is listed- this is the address I submitted a letter to. I am attaching a copy of the response letter I received from the Court stating they DO NOT verify any information with any credit bureau. I then submitted this letter to TransUnion stating the court did not verify the information with TransUnion. TransUnion refused to remove it from my credit report. I submitted a letter to XXXX XXXX- a 3rd party verifier of information for Credit Bureaus stating there was a public record on my TransUnion credit report that is not mine. XXXX XXXX sent me a letter dated XXXX stating the XXXX XXXX is unverifiable and they have removed it from my credit report. I submitted this to TransUnion immediately and they again refused to delete the incorrect account from my credit report. On XXXX, I obtained a new TransUnion credit report and it still shows a Public Record on my account that is not mine. I again submitted another letter to TransUnion dated XXXX stating that this is incorrect and again requested that it be removed. I also sent a copy of my credit report, along with a new letter to the address of the Public Record that is showing on my TransUnion report. The Court sent a letter back to me dated XXXX stating that they did NOT verify any information with TransUnion. I am demanding that this Public Record be deleted from my TransUnion credit report 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank is holding my social security deposit in the amount of {$1200.00} I first noticed there was a problem with my bank account when a debit card transaction got declined on XX/XX/. I immediately contacted US Bank customer support and they could not provide a clear answer as to the status of my account, they just told me the funds on the account could not be accessed and I would receive a check in the mail. 
I then visited on the same day XX/XX/ the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and I got different conflicting information from the staff at the bank. First spoke to a banker and she said the account was closed but that I could withdraw the funds in the account. Then I proceeded to withdraw the funds in the account but the teller first asked why did I want to withdraw all the funds in the account since the account was still active. But later she said the account was closed and the funds could not be withdrawn. Then I spoke to the branch manager, he apparently did not have business cards and wrote his name on a piece of paper, XXXX XXXX, and he said the account was closed on XX/XX/XXXX  and that I would get a check for the funds in the account within 5 to 7 business days. And finally today XX/XX/2023, I contacted US Bank customer support again and was given different information again ; now they said the account is not closed and is still under investigation.

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