BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Reason for disputes : There are XXXX past due remarks on all XXXX of the major credit bureaus. 
Date of remarks : XX/XX/2019 - XX/XX/2019 - XX/XX/2019 COAF has reported my account XXXX days late on all 3 major credit bureaus on the above dates. 

XX/XX/2019 payment made through my XXXX Bank account. Funds were denied because COAF attempted to make XXXX withdraws simultaneously without my authorization and the bank denied direct withdraws. Payment attempted again and made. 

XX/XX/2019 and XX/XX/2019 payments made through my XXXX Checking Account were delayed due to a banking error ( see attached letters ) and subsequently with follow-up contact with COAF I was told that I would not be charged late fees NOR would COAF report the activity to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax is reporting false, inaccurate, and incomplete information on my credit report which is negatively impacting my life! Please see the following accounts in question : XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$68.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have creditor or explanation of account Balance : {$890.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$0.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX : this is not an account I opened and should not be on my report! 
Account number : XXXX Balance : {$24.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  : this is not an account I opened and should not be on my report! 
Acct number : XXXX XXXX : {$15000.00} Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX  Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX Balance Owed : {$58.00} ; XXXX XXXX XXXX Balance Owed : {$43.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$730.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed XXXX {$3300.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/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 2022-05-05
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:
Reason for disputes : There are 3 past due remarks on all 3 of the major credit bureaus. 
Date of remarks : XX/XX/2019 - XX/XX/2019 - XX/XX/2019 XXXX  has reported my account XXXX days late on all 3 major credit bureaus on the above dates. 

XX/XX/2019 payment made through my XXXX Bank account. Funds were denied because XXXX attempted to make 3 withdraws simultaneously without my authorization and the bank denied direct withdraws. Payment attempted again and made. 

XX/XX/2019 and XX/XX/2019 payments made through my XXXXXXXX XXXX Account were delayed due to a banking error ( see attached letters ) and subsequently with follow-up contact with XXXX  I was told that I would not be charged late fees NOR would XXXX report the activity to the credit bureaus.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2023-07-22
Company: The Bureaus, Inc.
State: IL
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:
The Bureaus Inc is attempting to collect a debt from me that is a result of identity theft. Also The Bureaus Inc has no license to collect debt in the state of Illinois. Which is in violation of Illinois Collection Agency Act 225 Ill. Comp. Stat. 425/2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Shellpoint Partners, LLC
State: MT
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 has been reporting the incorrect dates on my credit report as to when i took out a mortgage with Greentree, Ditech who filed for bankrutcy and sold our mortgage to New Rez [ Shellpoint mortgage ] .I tryed disputing this and sent them court papers and a copy of the mortgage as to when it was started .They have listed me me as having started this mortgage in XXXX and my contract was started in XXXX .thats when the mobile was built was XXXX they havent investigated this matter and as of this date it is in court in Billings mt .They have this document as i certified it to them and they came back with the same wrong info .please can someone help??

Thankyou XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is a violation for credit reporting agents to report inaccurate information and I have requested a re-investigation for creditor XXXX XXXX XXXX XXXX but this account is still being reported with incorrect and unverified payment history and account activity dates. This account shows obvious inconsistent incorrect payment history but the reporting agent ( s ) are still reporting inaccurate information after confirmed the account was verify. If the creditor will not verify by sending billing statements, itemize billing and payment history to be accurate and that all account required dates to be correct, please cease this account from my credit reports because of nonfactual unethical reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 noticed some fraudulent activity on my credit report that I did not authorize trying to fix my credit & get me and my family a house, so can you please remove them 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 2022-10-16
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: Information belongs to someone else

Complaint:
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. These items found within my credit report are not related to any transactions that I have 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXX Account # XXXX {$2800.00} XXXX XXXX  Account # XXXX {$25000.00} UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
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:
XXXX XXXX, {$1000.00} assumed verification of account, Im reporting this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Nelnet, Inc.
State: PA
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 had the chance to go over my payment history letter sent from XXXX Department of Education/Nelnet on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from Nelnet. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX screenshot of the late payments from The Department of Education/Nelnet. 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by Nelnet, XXXX, XXXX, and XXXX that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATION/NELNET EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATION/NELNET within this complaint so you can see for yourself that I NEVER had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have disputed my credit acceptance account multiple times, XXXX has not completed my request at all. This vehicle is not my vehicle and is not on XXXX & XXXX just XXXX. I need this account removed. It's an truck and need it removed.

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 monetary relief
Consumer complaint received 2015-03-31
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
trying to withdrawal money from TD Bank , NA only to find out they are saying theydo not have signatures on file for our company ( owner of the account ). i sent backletters telling TD not to close the account but they closed anyway. They do haverecord of receiving those letters. They are saying they XXXX the money to PA. 
PA has no record of that money. Just want to get our money out of TD Bank andinto our other accounts at another bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Exeter Finance Corp.
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:
The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: MD
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 noticed some fraudulent activity on my credit report that I did not authorize trying to fix my credit & get me and my family a house, so can you please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: SYNCHRONY FINANCIAL
State: SC
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:
There are hard inquires ON ALL OF MY CREDIT REPORTS That I never authorized

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 2022-05-20
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I saw an ad on XXXX for a house for rent contacted the person set up a meeting to go view the house and he questioned it in the meantime if I would like to begin the application process and get approved I paid the hundred dollars for the application process and he said I was we were approved and asked if we wanted to do the down payment so that we can remove the ad from the online I told him I would pay partial of it and the other partial when I saw it and got keys made the transfer I never heard from him again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: WI
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-07-19
Company: Informative Research
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: Credit inquiries on your report that you don't recognize

Complaint:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got the credit card and paid more than the bill every month on auto pay. I have their app and they said they sent a letter and I did not respond but I didn't receive a letter. I pay every month and the account was closed.

Company response to consumer: Closed with explanation