BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: IN
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TRANSUNION is violating my federally protected consumer rights. 
TRANSUNION is furnishing a consumer report that claims I have a Student Loan account ending in XXXX from " Dept of ED/XXXX  '' that is " 120 days past due '' I have previously made a claim revoking any permission granted for them to publicly furnish this private information. They continue to publicize this information which violates 12 CFR 1016.7. Also, TRANSUNION never provided me an opt out form, and they continue to furnish this information even after I have opted out by revoking my consent for them to post this information through previous disputes. Furnishing this information is now also a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates. Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ). TRANSUNION is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information. Finally, in reference to my past claims on this matter, TRANSUNION did not conduct an Investigative Consumer Report in accordance with 15 USC 1681a ( e ).

It is clear that TRANSUNION has violated many of my federally protected rights by furnishing this information on my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), Transunion is liable to compensate me {$1000.00} per violation, totaling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system.

TRANSUNION MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER 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 2022-01-09
Company: Experian Information Solutions Inc.
State: NY
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 am having an issue with the three major credit bureaus XXXX, Experian, and XXXX. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA 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 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I decided to pay off my XXXX Capital One card. My automatic payment was due at the time I also sent the final payment. The final payment was for XXXX XXXX The payments both posted on XX/XX/2021 from my bank account before the due date as I requested. The mistake I unwittingly made was to also close the account. Apparently if you close your account and pay it off just before, they take your money but wont give you credit for it. Therefore, Im notified of my account I just paid over XXXX on is somehow delinquent.. even with the automatic payment posted. When I call Im assuaged with, dont worry, this is a known problem in a couple days call back to see if its resolved. This isnt reassuring. Im told that I must once again jump threw the hoops of their automated system in order to talk to a competent representative. That I can in fact NOT count on them to do me the courtesy of calling back or emailing me. But I concede and call back in a couple days to have to explain the entire debacle again to a heavily accented young man who starts asking for my banking information and wants me to fax my bank statement in as proof I paid the bill even though he can see that I did as he told ME the amount I had paid. I then requested to speak to a supervisor. She was more clear, but seemingly confused and unable to fix the problem herself as well. I had to send in screenshots of my posted payments and I was told I would receive a provisional payment and that my credit report would be corrected. None of this has happened. I am advised by my financial advisors that I can seek legal counsel as this is definitely grounds for a lawsuit. It is XX/XX/XXXX, and I will call them again tomorrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
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: Account status incorrect

Complaint:
Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been 30 nor 60 nor 90 days late or late at all all the following accounts. 

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXXXXXX  Status Open. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} 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 2022-09-19
Company: Experian Information Solutions Inc.
State: IL
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:
Reporting debt from XXXX XXXX XXXX, who is not licensed in the state of Illinois to collect any debt.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX ATTN : Complaints RE : Formal Complaint XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX XXXX, Michigan XXXX ( XXXX ) XXXX / < XXXX > TO : Experian I am writing to dispute ( 2 ) items on my credit report. XXXX XXXX XXXX ( XXXX  XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to XXXX XXXX, XXXX XXXX XXXX ( XXXX  XXXX ) is reporting that the account was opened on XX/XX/XXXX. I have enclosed a copy of the card and page 4 from my XXXX XXXX credit report which proves the account was opened on XX/XX/XXXX - - - not XX/XX/XXXX. 
Also according to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that the account was opened on XX/XX/XXXX. My XXXX XXXX credit report indicates that the account was placed for collections by XXXX XXXX on XX/XX/XXXX. I have enclosed page 5 from the XXXX XXXX credit report as proof the XX/XX/XXXX date is an error. I believe this account was opened in XXXX, however the credit report doesnt say. 


Respectfully, 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 2022-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/XXXX I submitted a dispute to XXXX. In this dispute, I asked XXXX to remove Portfolio Recovery Account Number Ending in XXXX because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. Portfolio Recovery is reporting a time-barred account. On XX/XX/XXXX XXXX responded to my complaint stating the information had been verified as correct. XXXX did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the XXXX response I received, XXXX is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For XXXX to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. Ive attached the investigation results in this complaint, highlighting the issues mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: IL
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello, the amount of XXXX dollars was stolen on XX/XX/XXXX, from my Key2Benefits Prepaid Debit Card. I reported to the bank right away about those unauthorized transactions. 
On XX/XX/XXXX I received a physical letters that it was confirmed, the money was stollen according to them and the money will be returned on my account, I just have to wait for a new card for two weeks ( I have those letters on my hand ), in the end Customer Support told me that the card was not even sent and then they said that the account was closed by XXXX. 
I contacted the XXXX they told me that account was closed because of scam activity and I have to receive refunds from Key Bank by check or direct deposit. 
Then I called again to Customer Service and they said that the check was sent on XX/XX/XXXX and I have to receive it in 10 business days, but I didnt received any letters .Then I called again and they said that the check was not even send, my question was when its gon na be send? Nobody cant answer me on this question already for tree months .Today is XX/XX/XXXX, I was contacted the supervisor of Key2Benefits Bank again, and the lady XXXX told me, that since I updated my physical address, which I did on NDOL on XX/XX/XXXX they still can not see my new address on file and that's why they can not issue a new check, witch is ridicules because I conformed with XXXX five times that they have my new address on file. I asked to send the check on previous address or where I got the latter from KeyBank on XX/XX/XXXX or make a direct deposit but they told me that they can not. As well I send them the proof of the new address on email and fax, and I have all confirmations that they recived it. 

I just wan na get those fands back. 
I was speaking to supervisors every day and they cant solve my problem and give me some answers. 
Can somebody help me what I have to do in this situation? 
Best regards. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have repletely asked this company to stop using threating tactics. I have already told them I never opened an account online and they are harassing my friends/family, calling non-stop at my job, leaving me voicemails in which comes thru my company email, and besides threating calls that I getting arrested and I have a court date. When asked for more the details repeating I am not the correct party they just continue to harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I went into my banking app to see how much I received from my paycheck, only to find out that Capital One closed my checking account without my authorization or any notice whatsoever. My funds are still in there and when I attempt to transfer my funds to my other bank account, it does not allow me to. I called the customer service of Capital One to complain and ask why my account was closed, and they refused to give me any information on why, or any info on what the timeframe would be on when I would recieve my money back. There is XXXX $ in that account, which is all I have to my name and now do not have any way to buy groceries, pay my car payment, or do anything else. They have given me zero access to MY money that I earned and will not tell me when I will get it back. I literally don't know what to do from here except file this complaint. They should not be allowed to do this and I want them to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a CD account with Marcus Bank on or about XX/XX/2021 under account # XXXX. The CD is in the amount of {$250000.00}. On Saturday, XX/XX/2021, I received an email message from Marcus to notify me that this CD account had been closed. 

I called Marcus on Tuesday, XX/XX/XXXX ( the bank was closed on Monday for XXXX XXXX ) to ask what account was closed. I was told by the representative, named " XXXX, '' that the account was closed and that the {$250000.00} plus interest ( a total of {$250000.00} ) was withdrawn and the account was closed. 

Marcus could not tell me what happened to the account or where the money went. I was told that they would look into what happened and that I should contact them in a few days. 

My online account shows my two other accounts at Marcus -- a saving account and another CD -- but there is no record whatsoever of the CD account that was reportedly closed. 

It is too early to know if this was fraudulent or gross negligence, but in any event, Marcus was quite casual about my missing money. I want to make sure that I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.

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 2023-06-01
Company: Atlanticus Services Corporation
State: PA
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:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports.

I have had to flee 1200 miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used my SSN to apply for the federal small business loan. Also, they also used my information to open a BBT debit 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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was reviewing my credit record and i am quite upset at the inaccuracies you are reporting in my credit record this items are deleted in other Bureaus. I need the following eronous accounts to be deleted. 

Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX Bankruptcy XXXX  XXXX Bankruptcy Case Number : 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 2023-09-26
Company: EQUIFAX, INC.
State: GA
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 can not accept the presence of public records on my credit report. It is causing significant XXXX  and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

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