BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have contacted the creditor and all three reporting agencies on XX/XX/XXXX XXXXXX/XX/XXXX, and XX/XX/ times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the XXXX XXXX account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed, or delivered to the consumer not later than 21 days before the payment due date.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the XXXX of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.

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 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have contacted Bank of American and the Police about my issue. The police said it might be identity theft. On XX/XX/XXXX a person named XXXX XXXX was added to my payees on bank of America and the next day. I was told that I had sent {$8600.00} to that person on XX/XX/XXXX. That was most of my funds. I didnt realize till XX/XX/XXXX that is had happened though. I am currently following up with Bank of America and the local Police.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-01-11
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: Account information incorrect

Complaint:
I have called Experian repeatedly concerning their miscalculation of my credit usage. They are reporting XXXX XXXX credit usage when the other bureaus have it correct at around XXXX XXXX. This is causing my XXXX XXXX to report much lower than it should and hindering my ability to get a loan at the proper interest rate. I would like this to be fixed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Minto Financial dba Minto Money
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
After being approved for the loan ( XXXX  $ ) I expected to be paying back around XXXX-XXXX  . However the company is charging me an APR of 776 %! When I saw that I thought even with my credit that can't be right. So I did some research and found that there are limits to how high you can set APR and that far exceeds the limits based on my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-01-29
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: Public record information inaccurate

Complaint:
For a little over a year now, we have been actively challenging the credit bureaus to investigate inaccurate information listed in my credit report. We have asked for methods of verification, proof of signed documents that ties me to the Public record in question as well as the negative accounts associated with the public record. Transunion has always sent the same response that the public record is reporting accurately. Well, this is false. My records show that the public record was last updated on XX/XX/2019. Transunion, you have stated for months that the public record/bankruptcy was last updated on XX/XX/2019. This is inaccurate and the proof will be attached. Asking for immediate removal of this public record as it is not reporting accurately as it should be. If you have the original information in hand then you would know when the case last updated. But you dont, therefore, its inaccurate. 

Also, TransUnion you were sent a copy of my drivers licenses and a utility bill for purposes of identification. You have continue to send the updated credit reports with the name XXXX XXXX. Who is XXXX XXXX? I feel that I am a victim of a merged or mixed file and I DEMAND immediate removal of the public record and the negative accounts listed on my credit report as they are unverified. Based on YOUR credit reports, you are telling me that those accounts and the public record belong to XXXX XXXX and not XXXX XXXX XXXX. 

I have been denied credit, housing and have been humiliated because of you. When someone pulls my Transunion reports they see a totally different person than the actual person applying. Therefore, they have denied me for credit, housing, etc because of the mixed or merged file you are falsely showing. 

I have kept all correspondence, credit disputes in a file and am prepared to show a judge and a jury this egregious mistake you have made. I will not be able to move forward in life until this mistake is fixed. 

I demand the following : 1. Immediate deletion of the public record ( XXXX XXXX XXXXXXXX XXXX # XXXX 2. Immediate deletion of XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, and the removal of the merged or mixed file containing XXXX XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX. 
XXXX. {$1000.00} per FCRA violation listed above. 

Failure to remedy the above will force my hands to seek legal action against your company. 

Thank you 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 2023-01-18
Company: EQUIFAX, 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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
NOTICE OF INTENT TO SUE and OPPORTUNITY TO CURE : I am in receipt of dispute investigation results from Transunion LLC stemming from my initial CFPB complaint filed on XX/XX/XXXX. The CFPB complaint # is : XXXX. I received these results in the mail today, Friday, XX/XX/XXXX and the date issued on the result is : XX/XX/XXXX with corresponding file number : XXXX. I am no way satisfied with the results and am demanding Transunion to provide a detailed method of verification outlining how they came to their investigation results. Transunion is willfully and intentionally violating Federal law by continuing to report invalidated and unverified disputed information. I am demanding Transunion provide me with their written method of verification for : 1. On page 4 of 7 in their results it shows that a change was made to an item in my initial dispute. The change is listed as updated to : NOT SPECIFIED. It is also showing that this item is to remain until approximately XX/XX/XXXX. I need Transunion to provide written details concerning the verification and validation of : XXXX XXXX XXXX XXXX XXXX # : XXXX. With whom did you speak? What is their name and title? What written documentation did they provide to you in order to update my dispute results as : Not specified? If you can not provide such within 10 days you will be sued for XXXX of XXXX. 


2. On page 5 of 7 in their investigation results it reads : VERIFIED AS ACCURATE AND UPDATED. I am demanding Transunion also provide me with their method of verification for XXXX XXXXXXXX # XXXX. With whom did you speak? What is their name and title? What documentation did they provide you with in order to reach these results? 

I am demanding Transunion LLC to provide this information to me in detail and include the dates, names, documentation and personal identifying information they provided you with about me to in fact identify me as the individual you are reporting this information on. I am allowing you 10 days to cure or your company will be sued for defamation of character. 

I have attached documentation to correspond with the aforementioned.

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 problem is I reported inaccurate inquiries to TransUnion and instead of them investigating and removing the false & unauthorized inquiries they just mailed me a general letter about inquiries. I found that disrespectful to say the least. My personal information was used against my consent and for TransUnion to not even properly investigate the matter is totally unacceptable. I have attached all letters and documents I sent to TransUnion. Thank You XXXX bless

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 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charges on CapitalOne : ( First contact with CapitalOne XX/XX/2022 ) dispute # 1 XX/XX/2022 ... ... XXXX ... ... ... {$190.00} XX/XX/2022 ... ... XXXX ... ... .. {$60.00} Tracking # XXXX Tracking number is showing delivered to XXXX, XXXX  ( not my address this is item returned to Bio*Lyfe ) Requested tracking # of goods shipped and received at XXXX XXXX XXXX, XXXX track # __________________________________ # 2 XX/XX/2022 ... XXXX XXXX ... XXXX .... {$190.00} Requested tracking number for this hipment Tracking # ____________________________________ ************************************************************************************************ I have refused to pay for the above XXXX charges due to the fact that no merchandise has ever been received by me or anyone else at my address XXXX XXXX XXXX, XXXX, XXXX  XXXX ( shipping and billing address the same XXXX XX/XX/2022 First XXXX with CapitalOne on this matter spoke with XXXX ... ... ..XXXX XXXX XXXX XXXXXX/XX/2022 CapitalOne provided paperwork from XXXX XXXX. 
Page 2, Page 3, Page 13 ... Delivery Results tracking # XXXX ... XXXX item has been delivered to the original sender at XXXX on XX/XX/2022 in XXXX, XXXX Please XXXX tracking # for reshipment_______________________________ I have requested this information thru CapitalOne asking vendor to supply this information. If tracking number can not be provided, provide information when credit was issued. 

Or provide credit issued information______________________________________ Dispute # 2 ( charge from XX/XX/2022 ) Recurring subscripition charge ... ... XXXX please provide tracking number for this shipment Dispute # 2 tracking_______________________________________ ************************************************************************************************ I have been trying since XX/XX/2022 to resolve this matter with Bio*Lyfe, and I contacted CapitalOne XXXX XX/XX/2022. I informed XXXX at CapitalOne that I never received anything communication/paperwork at all from XXXX, IF PAPERWORK WAS SENT THIS MUST HAVE GONE TO SPAM MAIL AND WAS DELETED. 
I do not understamd why this paperwork can not be provided by XXXX 
XXXX requested by CapitalOne *Sales Invoice or purchase agreement *Date and proof of cancellation *return policy from vendor *refund voucher from vendor I am very frustrated due to the fact that I have called, written over 5 times and attached all necessary proof of never receiving and CapitalOne is still siding with vendor. 

continue of complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Kia Finance America has not released the title to my car. They have not accurately recorded information on the Kia Finance Website, and with credit reporting agencies. I have sent in Certified Fund to discharge the obligation in the amount of {$22000.00}. Furthermore there is no longer a Lien on my property and Kia Finance America has not sent the release document to the state transportation agency so that the title of the car can be updated and transferred 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 explanation
Consumer complaint received 2023-01-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-01-11
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : 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 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 XXXXXX/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