BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-09
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:
Please know that I was not late on this account. I wonder why Equifax, XXXX and XXXX report it as late XXXX/XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NC
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 discovered in XX/XX/2023 that inaccurate transactions between a financial institution and consumer which is nonpublic personal information was furnished on my consumer credit report and without my written consent. I have filed an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One CEO XXXX XXXX and agents has violated my rights as a consumer and the federal laws pursuant to 15 USC 1592h by ignoring my previous complaints about being in violation of the FDCPA and disregarding my request directing that all payments made on the credit account be mailed via check to the address on file. XXXX XXXX is in violation of the 18 USC 894. Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Also, Capital One Bank CEO XXXX XXXX is in violation of 15 USC 892. Making extortionate extensions of credit ( a ) Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both.

Also, CEO XXXX XXXX is in violation of the truth in lending act which 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization.

I am the natural person due credit on an open end credit plan ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

I have the right per clause ( f ) to defer payment of debt and incur and my rights have been violated by Capital One Bank CEO XXXX XXXX. 

( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, I was punished for exercising my rights as a consumer requesting a cease and desist from contacting regarding the alleged debt and CEO XXXX XXXX closed my account. Which did not benefit me as the consumer and he had no right to do so pursuant to federal law of unauthorized use of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian refuses to update my personal information, they dont even give you a chance to dispute the addresses, names or social security numbers that are not yours. I have over 35 inaccurate pieces of personal information being reported that will not update to my current address or correct previous addresses, including 3 different social security numbers, 7 different names, and 20-25 inaccurate addresses not affiliated with 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 non-monetary relief
Consumer complaint received 2019-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for an account with XXXX and they denied me even though my credit is in good standing because of wrong information from Experian. I have submitted claims with experian and they are reporting my credit at XXXX which is not. I have paid most of my credit cards off and resolved my judments a while ago but experian is still showing outdated information. I also show 11 inquiries on my credit which were done by an auto dealer and I did not authorized that many inquiries. Those are still showing on my report since last year and have not been cleared!

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Accounts are inconsistent inaccurate and inviolation of FCRA XXXX Subchapter XXXX. 
Information remains inaccurate & inconsistent thru 3 bureaus credit report

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 2023-07-18
Company: EQUIFAX, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Inquired on XX/XX/2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/XXXX I paid off a balance of XXXX XXXX XXXX. Then I filled a dispute with Experian and asked that they updated my account to reflect that it was paid in full. I was looking forward to seeing an increase in my FiCO score, as a result. However, I was told that the debt was deleted from my credit report in XXXX. No such deletion is shown on my credit report. If the account was deleted how did I have an ability to both payoff the debt via collection agency or submit an electronic dispute regarding the XXXX XXXX credit card? 

Experian is attempting not to fairly report my payment, so that my credit score does not increase. There is close to a XXXX point difference in my fico score with XXXX XXXX or XXXX. There are unfair reporting practices being done. It is affecting my ability to buy a home and this is my American dream and right to pursue happiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA ( XXXX ) XXXX opened a Fraudulent account in my name along with a collection agency Hunter Warfield in XXXX, FL. 
I'm alerted by my XXXX XXXX XXXX XXXX XXXX Department who flagged these agencies as Fraud. XXXX XXXX XXXX XXXX lied claiming I owe them {$770.00} this account is not mine! I submitted a Police Affidavit required to the Credit Bureau 's already and Hunter Warfield Collection Agency has been DELETED and is being " Blocked '' from re-displaying on my credit reports. I do want to press charges against XXXX XXXX XXXX XXXX and/or Hunter Warfield for XXXX Theft. I have a complaint with the Washington State Attorney General XXXX XXXX and I was told today XX/XX/2023 to also contact XXXX Police Department to press charges, which I will do. My XXXX XXXX XXXX is working with the Fraud Department of my credit bureaus to stop and prevent these stated fraudsters from opening further accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: OneMain Finance Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I wrote ( sent a priority letter ) to the CEO of the company One Main Financial company XXXX XXXX in Indiana. I told him something wasn't right about my loan and that I couldn't understand how I could make payments and not see my loan amount go down and that the majority of my payments went to interest and not principle ( AT LEAST HALF SHOULD GO TO PRINCIPLE! ). At the writing of this complaint I paid {$160.00} on my loan and only {$49.00} went towards principle!! How is that so??!! I called the local office and asked how this could be and complained as well but the person I was speaking to only gave me the run around. In the letter I wrote to the CEO XXXX XXXX I begged him to lower my interest rate and to fix it because something was fishy about my loan ( PREDETORY LENDING! ). He NEVER answered me ( because he doesn't care! money goes into his pockets so he doesn't care about people struggling or getting ripped off as long as his pockets are fat! ). I took a loan of {$3500.00} from One Main but at the rate I'm going by the time I finish paying for it I will have paid probably {$8000.00}!!! This is wrong and something isn't right ... they are ripping people off and taking advantage of people and I think it's illegal practices. This company needs to be looked into and I don't want to be taken advantage of. I feel I'm being ripped off ... I have the documentation showing that I paid {$160.00} and only {$49.00} went to principle. ALSO they do not put how much interest they're charging you on the monthly statement so you don't have a clue as to what they are doing/charging in interest and how they're coming up with the charges!!! They also don't post on your statement what your interest rate is!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Experian Information Solutions Inc.
State: VA
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 contacted XXXX, Experian, and XXXX 3 times requesting information on all accounts. I requested to see a copy of an original contract that I allegedly signed for all accounts. All 3 times all 3 credit bureaus have refused to produce documents showing my sinature on accounts that do not belong to me. The accounts are listed below 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 2023-06-13
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing an account with CitiCard since the beginning of XX/XX/XXXX when they reported an account that was past due. This account was settled and paid off in XX/XX/XXXX. I have spoken to CitiCard and they sent me a letter stating there was a XXXX balance. Still unresolved. I submitted a dispute through here, and CitiCard came back and said the past due balance was correct. It is not. I am attaching the letter stating the XXXX balance, and the dispute resolution contradicting their first letter. I also spoke to the law office today who handled the pay off and they are emailing me a XXXX balance letter and stated that CitiCard in XX/XX/XXXX was notified the account was paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Paypal Holdings, Inc
State: GA
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 submitted a application to PayPal for a extension of credit on XX/XX/2023 and I was denied on XXXX XXXX for a extension of credit I reached out to PayPal to see why was I being denied my right to extend credit and I was told that I would be mailed/emailed a reason for my denial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XX/XX/2019 I opened an account with XXXX ( XXXX XXXX ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid XXXX when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of 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 2023-06-13
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to make some transfers to my other savings account and they were denied by XXXX XXXX XXXX I call several times and they said they will make the transfer and its never done. I call 2 times about closing my account and nothing has been done. I call a third time today and same process, they said it will close and nothing. I need my money, my money is being withheld for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reported the theft of my identity on XXXX in which my social security card, previous State ID, birth certificate, and my passport was stolen from my home. This incident was reported to the XXXX XXXX XXXX office to Deputy XXXX XXXX ID # XXXX with the case # XXXX regarding the theft of my identity. I also reported the use of my stolen identity to the XXXX XXXX on XXXX after reviewing my credit files and seeing fraud accounts appearing in my name which did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Bread Financial Holdings, Inc.
State: TX
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:
On Wednesday, XX/XX/XXXX @ XXXX XXXX XXXX I contacted Comenity Capital Bank to inform them to block & cancel my credit card immediately. The customer service rep assisted me in identifying that there were multiple simultaneous transactions that clearly did not match my transactional history pattern nor were they done by me or anyone I know. The fraud was swiftly reported and I made it crystal clear to the Comenity Capital Reps that I also reported my US Passport stolen and filed a XXXX report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX. They can be contacted @ XXXX XXXX XXXX XXXX and can easily verify the validity of the report and issuance of NEW gov issued identification. The report itself also states the cc stolen detail. In fact I'm pursuing legal and law enforcement action against the crime. The transactions varied from small to large most notably charges for XXXX and XXXX XXXX  from what appear to be at multiple random locations. I was able to gather one of the identities of one of the charges XXXX XXXX XXXX  XXXX XXXX of the airline purchases and we are gathering further XXXXntelligence on this offense that continues to prove the offenses and Identity Theft. This information and evidence has been submitted to the appropriate parties pending further action. The last approved charge done by me was on XX/XX/XXXX merchant - XXXX. All of the charges in XX/XX/XXXX are fraudulent. What is absolutely erroneous to me and the professional counsel I've been advised by is that the charges were approved despite the flagrant and suspicious locations and charge amounts. This is very unprofessional of Comenity Capital Bank and shows a disregard to safeguard customers accounts. I spoke to multiple reps about this again in Account Protection on XX/XX/XXXX since Comenity Capital Bank added the balance transfer back unto my account on XX/XX/XXXX for {$6900.00}. I was told by Comenity Capital Bank rep that one of the merchants claimed that I have a " son ''? This is a false statement and a lie and I can continue to easily prove that XXXX. I did not make these purchases. XXXX. I do not have ANY family or friend members that made these purchases. XXXX. I do not have a son. I have contacted multiple pertinent parties about this, I've filed an Identity Theft report, XXXX report, police report and am currently getting professional counsel on my legal binding rights. I'm currently gathering further evidence of the Identity Theft/Fraud and have everything documented prepared for next steps. This is not difficult because the truth and right thing to do is very clearly outlined. Please correct this error as soon as possible in accordance with the FCBA, FCRA & Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: MO
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-08-31
Company: Monterey Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Unauthorized use of credit report. Several violations of FCRA, FDCPA, and Truth in Lending Act have happened against me, a Federally Protected Consumer. Before cease and desist was sent I was being called regularly by Monterey Financial Services during working hours and being harassed. They have left multiple automated messages on my phone in which are saved, date such as the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. Also, other violations which were noted in a certified mail letter and delivered by USPS system on the XX/XX/XXXX which include 9 other violations. Monterey is civilly liable for knowingly violating me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief