BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2020 my wife and I went to XXXX XXXX on XXXX XXXX in XXXX XXXX, Texas and put a XXXX on layaway. We were told at the time that any payments could be made to that store or any XXXX XXXX or XXXX XXXX XXXX. As we were in town visiting family we decided that this was good considering we lived an hour away but did have a XXXX XXXX close by. On XX/XX/2020 I went in to the XXXX XXXX XXXX in XXXX to make a payment on my item. I decided in XXXX that I would take a XXXX  I already had, and new the value of to trade in to make a payment on my layaway. When arriving to the store XXXX, the manager, approached me and my wife and took my XXXX to " appraise ''. I was told by the manager that my XXXX, valued at {$500.00} used, was only worth {$150.00} and that was all that he would give. He tried to show a picture of a completely different XXXX that he found online that he got his appraisal from. From that point he became unprofessional and I explained to him that I wanted to end the layaway with XXXX XXXX and would dispute the charges with our bank to get our refund that he denied to give us because the layaway would cost us {$260.00}. My wife and I were told that we could dispute the charges but that we were no longer welcome to shop at XXXX XXXX. On XX/XX/XXXX our bank decided to rule in our favor for the refund of the initial {$80.00} and the XXXX payment of {$120.00} was still under investigation. Our bank Capital One, after receiving documentation from XXXX XXXX decided to take away the provisional credit as the payment was made at XXXX XXXX XXXX. They were not seeing it as one single transaction as we were told from XXXX XXXX on payments. They treated it as a completely separate transaction and stated that it was contractual with the XXXX XXXX XXXX store. Capital one has proven that they will not help us and will only side with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
please delete all the inaccurate hard inquires listed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CREDIT ACCEPTANCE CORPORATION
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have an auto loan with Credit Acceptance that was approved in XX/XX/XXXX. I was making payments, and fell behind when the Covid hit and the community was, and still is on a stay at home mandate. The main concern is that I feel that the payment, interest rate isn't accurate. Maybe my interest rate isn't correct? There was an error on the odometer also when I initially purchased the vehicle. The Credit Acceptance was sending me letters for non-payment, even during covid, to pay the balance in full, then suddenly they wanted to settle for {$5000.00} I believe in XXXX, and at the beginning of XXXX they sent me a settlement letter that they would settle the debt for a little over {$6200.00}, reporting to the Credit Bureaus as settlement plaid less than full. The total payoff balance is {$33000.00} and the car is a 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 2021-03-02
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 status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : 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 2019-03-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Without any advance notice or any cause, XXXX XXXX XXXX ( " XXXX '' ) ( credit grantor Synchrony Bank Financial ) lowered my credit limit from {$3000.00} to {$2200.00}. 

-I have been paying over the minimum balance for almost 2 years, -I have not been 30 days or more late on payments for the almost 2 years, -There are no returns on the account, and - My credit score has increased with resolving credit decreasing within the last year. 
-I have not been 30 days late on any payments that are reported to the credit bureau for the last 180 days I spoke to XXXX , Account Manager,  and he said that there was nothing that can be done. I have other Synchrony Financial store cards and the credit limit was not reduced with those cards.

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 2023-06-14
Company: EQUIFAX, INC.
State: LA
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:
My credit report is showing missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was not required to make any payments for those months according to the two letters that I received from the Department of Education ( Covid 19 Administrative Forbearance which was extended until XX/XX/XXXX ) and from the Department of Education ( Borrower 's Defense Department ). 
I sent over a dispute form, along with a copy of the letters that stated I was not required to make any payments, twice to the Department of Education Default Resolution Department. The first was sent around XX/XX/XXXX. I was told that the late payments can't be removed because the loan was in default and to wait until the loan comes out of default then they would be removed. Now that the loans are out of default, the late payments still haven't been removed. 
So, I sent another dispute form around XX/XX/XXXX explaining that regardless of the loans being in default it was not right to report late payments when I wasn't required to make payments and that the loans are now out of default and the late payments still haven't been removed. They responded with I needed to contact the company that is now servicing my loans which is XXXX. I reached out to XXXX and they said that my loans are currently in the Covid 19 Administrative Forbearance which was extended until XX/XX/XXXX and no payments are due at this time. They also stated that they started servicing my loans XX/XX/XXXX and are not responsible for anything that happened prior to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED 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 2023-03-31
Company: Experian Information Solutions Inc.
State: MI
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 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 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, have 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 my account information 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Knight Adjustment Bureau is reporting a debt on my credit file I do not recognize. It's a {$10000.00} debt for XXXX XXXX. I did have an account with XXXX XXXX but closed it and removed any recurring billing and I had nothing owed. Shortly after I did file for bankruptcy. I never owed XXXX XXXX {$10000.00} and I have no proof of this. I have no loans with them and never did I spend {$10000.00} so I'm confused as to where this debt is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: UT
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX Equifax was notified the creditors in question had not replied with a validation response. 
Again on XX/XX/XXXX by Certified Mail XXXX XXXX XXXX XXXX XXXX Equifax was requested to provide the reporting documentation as required by Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax It has been over 45 days You Have Failed to Provide the required documentation according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are in default of federal law to verify - through the physical verification of the original signed consumer contract - and provide me the Consumer your verified proof of the accounts in question you posted on a credit report.

Equifax you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

As per Federal Law under the Fair Credit Reporting Act EQUIFAX is Required to send the following information EQUIFAX used to verify the validity of accounts listed below XXXX XXXX XXXX XXXX, No Contract, No Mortgage The Name of the Original Creditor The Original Creditors address & telephone number The name of the person ( s ) you verified the disputed information with The certified documentation in possession used to conclude your investigation The documents and all correspondence information that was transmitted to and from the data furnisher ( alleged Creditor ) as part of the investigation. 
Equifax it has been well over the time limit set by the Fair Credit Reporting Act to provide me with the Proof required under this Federal Law. 
This is your Notice of default. I requested the following information & verified proof XXXX received from the Listed accounts.. to date you have responded with no Proof. or documents only your standard chain letters.. this is in violation of federal law and fines will be imposed. 
Equifax was Notified of the information and facts on XX/XX/XXXX XXXX and still has not produced the required information by Federal law. The law is very precise on what Congress said is to happen Equifax is in violation of this Act of Congress and should be accessed fines as outlined in the Law for fraudulent credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Personal information incorrect

Complaint:
I have requested Equifax to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Opened XX/XX/2015 {$17000.00} Please review this account inquiry. I would like both investigated and fixed immediately XXXX XXXX Opened XX/XX/2015 {$2300.00} Please review this account inquiry. I would like both investigated and fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Bank of America let someone from XXXX XXXXXX/XX/XXXXopen up a fraudulent credt card number # XXXX in my name and steal {$11.00}, XXXX dollars off the card and now taking me to court for a civil summons lawsuit. I am a victim of credit card fraud and identity theft from the XX/XX/XXXX data breach. I have sent them police reports of the incident. Please I need help IDID NOT OPEN ANY ACCOUNT WITH THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage XX/XX/XXXX. It's over 5 months later and the mortgage company has not released the lien yet. I started contacting them in XXXX of XXXX. I have been back and forth on the phone and through e-mail and the furthest I get is that they'll say they are putting in a request to get it done. Also their automated phone system is tricky. To get to the main menu and request talking to a representative, you must choose go to their 1098 menu after listing to 10 minutes of other information. I told a representative about the phone menu and they said they knew about it. The phone menu has not been fixed.

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX XXXX XXXX Chapter XXXX-XX/XX/XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Transunion regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over 9 years old, please remove it. Also, the information where it claims the original Bankruptcy was in XX/XX/XXXX is also inaccurate, it was filed with an attorney, though later changed, in XX/XX/XXXX. 

Also, there is personal informations appearing on my credit report which are not true and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses as they have NOTHING to do with me and are compromising my integrity. I have no association with these names or home or work addresses. Please delete the following as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Ca

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