BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: CBC Companies, Inc.
State: SD
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:
In XX/XX/XXXX I contacted XXXX XXXX bank # XXXX about my ex husbands account reporting on my credit report. I was an authorized user, not a borrower, so this should not be reporting on my credit. I contacted XXXX XXXX to dispute it and because i was not able to provide the full account number, they stated they couldn't do anything or even pull it up. When my banker went to pull my credit today and sent it to me, I see that they never removed it as the FCRA regulation requires them to as I am not the owner of the account. I am asking that you get them to remove this as they refused to help me. This was my ex 's account so I did not have the full account numbers. This is a UDAAP violation as this is unfair and they were deceptive when I was added as a authorized signer. 

On my credit it is showing as opened XX/XX/XXXX and closed XX/XX/XXXX, with a charged off balance of {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX an old close, settled and removed Capital One account was Re-inserted on my XXXX  Credit Report. That account was on XX/XX/XXXX and Capital One had sold the account to a collection company without report that to the credit bureaus which illegal by the FCRA and the FDCPA. Fast forward XX/XX/XXXX when i contacted Capital one concerning that account they had told that they wasn't holding the account anymore and had referred me to a collection company named XXXX XXXX XXXX. On XX/XX/XXXX i had got in touch with the collection company " XXXX XXXX XXXX '' and they had offered me settlement deal for an amount less than the charge-off amount. The original charge off amount was {$210.00} and the collection company had accepted {$89.00} from me in exchange to settle the account and remove the account from all the credit. As a pay for deletion settlement After i had received my confirmation letter from the collection company in about 2 weeks after my payment i notified XXXX  about the settlement via a dispute. On XX/XX/XXXX that Capital One account was removed from my XXXX  credit file On XXXX XXXX without my consent, my knowledge, my agreement nor my signature that same old closed, settled, and removed account was illegally and unlawfully reported and RE-INSERETED on my XXXX  credit report with inaccurate address, inaccurate status date, inaccurate payment status, inaccurate past due amount, and inaccurate balance. Due to the Re-insertion of this inaccurate account on my credit report Capital One has violate my RIGHTS, DEFAMATE MY CHARACTER in the eyes of other lenders and financial institution and also has damaged my credit because my credit score had drop drastically by XXXX point. and now my credit score went from VERY GOO to FAIR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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: Personal information incorrect

Complaint:
There is incorrect personal information on my 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 explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: HI
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 company fraudulently used my personal information without my permission & processed transactions, opened an account without my consent. This account is not mine. I stayed at the resort & only paid for the time I was there. I did not purchase anything from them. I have called them to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this but had no resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 company fraudulently used my personal information without my permission & processed transactions, opened an account without my consent. This account is not mine. I stayed at the resort & only paid for the time I was there. I did not purchase anything from them. I have called them to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this but had no resolutions.

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 2021-06-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 24 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
XXXX Cash advances were taken off of my navy federal credit card and sent via XXXX in the app to someone I do not know. 
This occurred in 2021. I have filed fraud and that claim was denied, I appealed twice and it was also denied stating they could not prove it wasnt me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX : account # XXXX, XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Paid off car loan in full and lost XXXX points on credit report... ..how is this right? Why am I being punished for paying off account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This complaint is about the consumer reporting agencies ignoring my dispute letters and also violating my consumer protection laws under the United States Code Title 15 Chapter 41. They are reporting that I owe debt. Under the definitions listed under the fair debt collection practices act, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money property insurance or services which are the subject of the transaction are primarily for personal family or household purposes whether or not such obligation has been reduced or judgement. Debt does not mean money according to congress. 
I am the original creditor because I extended to credit to the corporation. Therefore I am the only one who can validate this alleged debt because only the NATURAL PERSON can validate the debt not the corporation because a corporation is a entity not a natural person. So like I said I DO NOT VALIDATE THIS DEBT. 
Due to the fact that they have ignored all of my letters and violated my consumer protection laws under the United States Code Title 15 Chapter 41 I DEMAND THAT THEY DELETE THE ACCOUNTS THAT I HAVE LISTED ON MY LETTER OR I WILL BE SEEKING REMEDY!!

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 2021-06-21
Company: Village Capital & Investment LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
From XX/XX/XXXX XXXX XX/XX/XXXX Village Capital was know that we had agreed to go into National Emergency Forbearance.. 
As of XX/XX/XXXX we were out of forbearance. 

XXXX of XX/XX/XXXX, I found out that Village Capital had reported on our Credit report that we were 120 delinquent on our account. Village Capital was contacted and asked to remove this from our credit report and I asked Village Capital for a letter stating that this was done. 

On XXXX XXXX I contacted Village Capital and they stated that it will be mailed. I also asked if they could email me this letter and they said no because of personal information included. 

On XXXX XXXX I contacted Village Capital and they stated that it had been mailed, but at this point I had not received. 

As of XX/XX/XXXX I have not received any letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A discharge of indebtedness because of a XXXX  or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. XXXX in box XXXX to report this identifiable event.

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 2023-08-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a business checking and savings account, and regular accounts at Wells Fargo ; all of the accounts are connected. My checking account is XXXX years old and I opened the business accounts XXXX years ago. I was told that my accounts were protected and insured from fraud and scams because they are all connected. In XXXX, and XXXX of 2023, I was scammed out of thousands of dollars in transactions made from my debit card connected to my regular checking account. I contacted the bank to report a fraud charge I saw on the account and they shut down the card, sent a new debit card, and suggested I contact the money apps support used and the " XXXX XXXX XXXX XXXX '' and talk to security where the phone operator worked to report that he was incorrectly managing transactions and the money apps suggested this, too. 
The " XXXX XXXX XXXX '' person was also scammer and quickly funneled {$10000.00} out of my business savings account and into my other accounts, then stole the money by sending it into XXXX, XXXX, and XXXX. I called the Wells Fargo fraud line within XXXX hours to report the theft. Wells Fargo stopped payment and refunded two transactions that amounted to XXXX in my business checking account. The fraud transaction charges in the regular checking account were incorectly reported and the amounts were " consolidated '' into one amount of {$16000.00}. Then Wells Fargo stated that the charges were " Authorized '' but forced shut down on all of the accounts because of extreme " fraud '' activity. I spoke to an Escalation Fraud Representative who made a big fuss over locking the XXXX token which is ridiculous because they were forcing the accounts closed. I explained that the XXXX XXXX transfers weren't theft because the money had been sent into the account and then back out. It was the XXXX app transactions that were fraudulent. All of the XXXX transactions were added into the consolidation amount, but they weren't all fraud. Then another fraud representative who told me the accounts were closing suggested I call the fraudulent " XXXX XXXX XXXX XXXX '' AGAIN, and ask for the money back! This is what led to the {$10000.00} theft in the first place.

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 2023-09-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX credit card revovling account is a XXXX XXXX balance but is reporting a inccorect balance of XXXX dollar balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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:
I submitted a letter to the Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-02-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
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 Charge account with account XXXX XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
I previously disputed this account, stating : ''I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I'm afraid I have to disagree with the results of your investigation. 
Please mail me proof of your investigation and the negative payment status for this account, or delete the negative information in this account. Your company is in clear violation of the law. 
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) the report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED in my Consumer report! 
Late payment is a transactional history. My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have ten calendar days to update my Payment history and delete all late payments. Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Noncompliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: JP Jensen Collections, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXXDebt Collector ( XXXX XXXX XXXX, located in state of Maryland XXXX is suing me for a debt that is 15 plus years old. 

In XXXX I discovered that XXXX XXXX had not billed my medical bill to my health insurance carrier, XXXX XXXX XXXX XXXX. In XXXX, I spoke with a XXXX XXXX Representatives, multiple times, and I was told that they would submit my claims to my health insurance carrier. On XX/XX/XXXX, I received from XXXX XXXX of Maryland, a 'request for writ of garnishment of property other than wages ', signed by XXXX XXXX XXXX Legal Assistant and a second signature from a Clerk of Court ( name unknown ). The State of Maryland /debt collection Statue of Limitation is 3 years. And time barred is 6 years. And this time barred debt is appearing in my credit reports for more than 7 years. Per Maryland XXXX XXXX the start date of this debt is XX/XX/XXXX- we're in year XXXX which makes this debt 15 plus years old. The document is not signed by a Judge. It was signed by a legal assistant and a clerk of court. The debt collector attempted to mislead me that a 15 year old debt is still legally recoverable, and has continued to threatened me even through cash app. They are abusive and deceptive.

Company response to consumer: Closed with explanation