BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
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 am writing to express my deep concern and frustration regarding the fraudulent items that persist on my credit report, despite my previous attempts to address and rectify this matter. This is my second attempt to bring your attention to the inaccuracies on my credit file, and I am disappointed that the issue remains unresolved. 

I submitted a formal dispute regarding the fraudulent items on my credit report. I provided detailed information and supporting documentation to substantiate my claim. However, to my dismay, the inaccuracies persist on my credit file. 

I understand the importance of accurate credit reporting, and these fraudulent items are adversely affecting my creditworthiness. I have taken all necessary steps to verify my identity and provide the required documentation to support the removal of these items. I expect a timely and thorough investigation into this matter. 

I request that you promptly reevaluate my dispute, taking into consideration the evidence I previously submitted. I also urge you to communicate the results of your investigation in a clear and transparent manner. If additional information is needed from my end, please inform me at your earliest convenience. 

I am prepared to cooperate fully and provide any further documentation required to expedite the resolution process. I believe that the prompt removal of these fraudulent items is crucial to maintaining the integrity of the credit reporting system and ensuring fair and accurate credit assessments. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These credit accounts are unauthorized and need to be removed from my credit report 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 explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX DSL modems through XXXX  XXXX  ( now XXXX  ) at a house I was renting. When we moved I canceled both accounts with 1 phone call. They canceled one of them and then billed the other account the next day. I called them and explained this and they said it was valid and sent it to collections. I have to explain this to debt collector after debt collector. Once I explain it they just sell the debt and the process starts over. This amounts to simple harassment. I explained it to XXXX and they removed the debt but I have to go do that at the other XXXX credit reporting agencies. I have to write and mail a certified letter to ERC and after doing this multiple times I would pay more than the balance. The original balance was only {$44.00} per modem and one they canceled so originally I was asked for that amount. Now they are claiming that the original amount was {$73.00} and that they are willing to " resolve '' my account for " less '' than the original amount. They clearly understand that if they harass me enough I will pay them just so they go away. They never have proof and when asked for it they just send it on down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: WELLS FARGO & COMPANY
State: MA
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:
The Wells Fargo credit card is a card that the company where I work ( XXXX XXXX XXXX gave me to pay my expenses related to the work I do, such as travel expenses, meals, gasoline, etc. However, when reviewing my expenses made in XX/XX/2019, I realized that XXXX expenses appeared that I did not make or authorize a purchase. later, for the month of XXXX of the same year, XXXX unauthorized expenses appeared, giving a total of {$6800.00} USD divided into XXXX unidentified expenses. I reported these expenses directly with the Wells Fargo Bank, they told me that this claim could not proceed since I still have the credit card in my possession and therefore the expenses do not proceed for review and return, later I did a second report with the same result. XXXX proceeded to directly request the revision of this problem again by means of a letter sent to the bank, the answer is that the investigation does not proceed. They can not verify that I did not make these expenses, but neither do they verify that I make them, when making a purchase in Mexico with a credit card, you have to sign the ticket where you authorize a purchase, however I request that the bank will do a double check who made these purchases in establishments and check who misused the card.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-08
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a very old debt from 2013 that was bought from one debt collector to another. 
The second debt collector has threatened to sue me even though I have never made a payment to them. The debt is over the statute of limitations and not required to be paid after 3 years in NH and 4 years in MA

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 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX Capital One charged a yearly membership fee of {$59.00}. 
Though I have alerts set on this credit card account there were no emails, text messages, or letters sent to me alerting me of the charge. **NOTE : this credit card is NOT used on a regular basis either. 
The only letters I receive from them is alerting me of the interest rates to consolidate any outstanding loans with them. 
On XX/XX/XXXX, a past due fee of {$25.00} was charged to my account. Again, no alert of any kind was sent to me regarding the charge OR any past due amount. 
On XX/XX/XXXX another past due fee of {$40.00} was charged to my account, Again, no alert of any kind was sent to me regarding the charge OR any past due amount. 
On XX/XX/XXXX I received an email from Capital One stating they had reported the past due amount and negative notation to the credit reporting agencies. 
On the same date, I received several emails from several different credit cards that I have alerts set on regarding the negative activity. THIS is the ONLY communication I received regarding the past due charges. 
I immediately called customer service who apologized profusely about the situation and immediately credited back the {$40.00} late fee charged on XX/XX/XXXX. I also paid the balance due of {$120.00}. 
The representative directed me to write a letter explaining the situation and request that the negative notation is removed from my credit reporting and stated that there would be no problem in doing so. He gave me the address to send the letter to along with all of the information required. 
This letter was mailed on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter of communication from Capital One stating that they were unable to remove the negative reporting. 
I am meticulous about my credit history and have a pristine record except for this situation and request that it be removed from all credit bureaus. 
We plan to submit for a home refinance in XX/XX/XXXX and this false 30-day late reporting will impact it significantly.

This has affected my credit score exponentially from excellent to only good and below XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: SYNCHRONY FINANCIAL
State: UT
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:
Synchrony Bank XXXX XXXX is reporting a late on my credit file for XX/XX/21 and it must be removed. I recently checked my credit and noticed this late reporting but it is erroneous. I had recently used the credit card at a facility and once my due date came around, I paid the account in full to make sure I did not have to worry about it. I did use the card after or made any other purchases. However, the last place I made a purchase made a delayed charge of {$8.00}. I was not advised that they would be using my card again and I wasn't aware of the {$8.00} they had put on. When I looked at my credit I noticed this late and checked my credit card because I was sure it was paid off. Sure enough, there was an {$8.00} balance. I called the company that made the charge and told them that they had made this charge and that I was never told, they then credited back the {$8.00}. I however, was never called by Synchrony Bank to be told that there was an outstanding amount on my card or I would have paid the {$8.00}! This late must be removed, I had paid the account in full, the charge was erroneous and I never got a call regarding any outstanding balance or that I was going to be late from Synchrony Bank. I have been a long time customer and have never ever been late and have had this account for a very long time and would hate for this to ruin the relationship. Please remove the late from my credit file.

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 2023-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported. 

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done. 

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place. 

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: MO
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 report act, The list of Accounts below has violated My FEDERALLY PROTECTED CONSUMER RIGHTS!!!, To PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

XXXX XXXX  Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Has violated my rights 15 USC 1681 section 602a, States I have the right to privacy 15 USC 1681 Section 604 A, Section XXXXIt also states a Consumer reporting Agency Can not Furnish A account without my written Consent or Instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information other than records of convictions of crimes which antedates the report by more than seven years, 15 USC 1681 sXXXX ( a ) ( XXXX ) 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 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I made a purchase with merchant XXXX for {$2300.00} for a pair of sneakers. 
I received the item on XX/XX/2023, but it was not what I had ordered. I received a completely different brand of sneakers. A common scam in shoe marketplaces. After speaking with the merchant, I sent the shoes back via their company provided XXXX label on XX/XX/2023. 
Once the merchant verified that they received the item, the merchant offered me a choice between store credit OR a refund to my original payment method. I requested a refund to my original payment method, and shortly after, I received a confirmation email from the merchant that the refund was on the way. 
On XX/XX/2023, I was forced to open a claim with Captial One after not receiving my refund from the merchant, nor any further communication after multiple email attempts with the merchant. I provided the tracking number to Captial One and explained the situation. Captial One verified that the return was made. A very easy open and shut case. 
On XX/XX/2023, just three business days later, I received an email from Captial One stating that the claim was denied and closed, which was shocking. Captial One didnt even request any further information from me aside from our initial brief phone call. 
I called Captial One once again to attempt to understand what occurred. Captial One stated that the merchants Terms and Conditions state that there were no refunds, only store credit for returns. This is untrue. If Captial One researched this for themselves, the merchant has a Buyer Protection Policy which covers receiving an incorrect item AND within their Terms and Conditions, it states, If you would like a refund to your original payment method, please include the request when you contact support. I have the email conversation from the merchants support team where they stated that they would refund my original payment method. Once I received confirmation of the refund being processed from their agent, I received a confirmation email of the refund being processed to my original payment method shortly after. 
I will include evidence that before I even shipped the item back, the merchant guaranteed a refund to my original payment method. Captial One did not even request any further information from me. The case was closed within three business days, which shows a lack of consideration for their bank clients. Captial One is understaffed, which is obvious by the 20 minute wait times when calling in, and they were more concerned with closing my case than actually spending time to gather information from me to review it. I was scammed out of {$2300.00} and received no help from Captial One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all 3 bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX XXXX  was sold to XXXX XXXX. As of last week state farm forwards all call to XXXX XXXX, XXXX XXXX  reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: NY
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:
Experian contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. experian has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!

Company response to consumer: In progress