BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: VA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXXXXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Recently, I looked I looked at my credit report, and it brought on a tre, mendous sadness.I have been feeling down XXXX XXXX  lately.this is harmful to my health and a defamation of my character. I found evidence that your organization didn't double check for accuracy before reporting it.in accordance with section 1681e ( b ) ( b ) Accuracy of a report of the United States Code 15 usc when a consumer reporting service creates a report of an individual, they are required to take reasonable measures to ensure the data is accurate as feasible.

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 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
1. Company sent me notification that my account was upgraded to a World Elite Mastercard ( WEM ). the upgrade was fake. my account was NOT recoded or upgraded to a WEM. i do not have the benefits and privileges of a WEM. I do not have the starting credit line of a WEM. My website interface does not match other cardholders who hold a Capital One WEM. i also do not have the company 's advertised services or upgraded contact/communication support that other Capital One cardholders have.

2. Company denied my request for CLI stating 2 untrue/false reasons as the reasons for denial : 1st false reason - account was just given a CLI. this is not true because i was given a CLI over 6 months ago of only {$100.00} from my starter credit line of {$500.00}. it was not a recent CLI, as company stated.

3. 2nd false reason is the use of my card was adequate. i have attached statements to show this reason stated by the company is also not true.

4. Malicious Capital One account managers have flagged my account for internal abuse and harrassment. Capital One 's internal operations blatantly discriminate against and mistreat customers. Capital One should be investigated to see if it is in compliance with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I paid XXXX XXXX  of XXXX XXXX for an XX/XX/XXXX ceremony on XX/XX/XXXX. My fiancee was not on the phone or in my presence at the time. She had additional questions which were sent via email. This email was ignored, so we proceeded to call. My fiancee had two phone calls with XXXX, the last of which left her in tears. The following Monday XX/XX/XXXX, I called XXXX to cancel, and she told me she was keeping XXXX percent of the funds even though her abuse was the primary cause, in addition to the ceremony being two months away. 

PayPal is refusing to refund the payment because I need a cancellation notice. As XXXX was abusive, I don't believe I will be able to acquire that document, even though the ceremony was supposed to be two months from now regardless. We have already booked a different vendor that clearly states their terms, and who is respectful and above board.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including XXXX, XXXX, and TransUnion, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX POTENTIALLY NEGATIVE XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Apparently the " Risk Department '' of Bank of America has placed me and my XXXX XXXX business on some type of " blacklist '' back in 2014 ( more than 8 years ago ) prohibiting and preventing me from opening a small business checking or savings account there. 

Not only that, but according to the woman servicing us and trying to open our bank account ( XXXX XXXX XXXX and her XXXX Florida on screen cohort ) they would not even tell us what the problem is/was. 

This is wholesale illegal, unethical, immoral, and a complete and total denial of our ability to conduct and transact business and is incredibly humiliating and scary as well ( they did this in front of my wife when we were at the bank together ). 

Please remove this illegal and unconstitutional " blacklist '' from me and my XXXX XXXX  tax ID and social security number, certainly 8 years after it was apparently " entered, '' and find out who exactly the XXXX XXXX were who did this, and punish them legally and equitably, most severely.

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 2023-02-19
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: Information belongs to someone else

Complaint:
Experian has violated my Consumer right in pursuant to 12 cfr 1026.13 ( f ) ( 2 ). They did not conduct a fair and equitable investigation and failed to provide me with proof of indebtedness as a result of identity theft. Their also violating me in pursuance to 15 usc 1681 ( a ) ( 4 ). By continuing to report inaccurate information and breach my rights to Privacy. I have provided all documents for this investigation previously. I'm not required to provide anymore.

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 2022-12-14
Company: EQUIFAX, 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:
XXXX. XXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The company XXXX LexisNexis and XXXX 's I file a request to opt-out and add a Security Freeze and they wont do as I ask

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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: 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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA XXXX XXXX False misleading information FDCPA XXXX furnishing deceptive forms must correct late payments under XXXX XXXX XXXXXXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$240.00}

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 2023-10-30
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent correspondence by certified mail to Bridgecrest on XXXX XXXX, XXXX  requesting my disclosures pursuant to 15USC1681a, the Gramm-Leach-Bliley Act, and 15USC6802 that without which they were not permitted to disclose my information to any unafiliated 3rd parties, specifically the Consumer Reporteing agencies or collection agencies. I provided my name, address, account number they furnished to the CRA, the account number of the collection agency that acquired the account, and the make, model and VIN of the vehicle associated. Failing to produce the disclosures, I required that the account be deleted from the CRAs and noted it was a violation of my privacy rights noted in the above laws referenced. They responded claiming they were unable to fulfill my request due to insufficient information citing that their records indicate a different address and that to process my request they had to verify my address by me logging into their system and updating my information there. The burden of proof lies with them. They were able to answer my letter to the correct, current address which I furnished and they returned the letter I sent to them with their letter to me. I provided more than enough information for them to identify and verify my account information and process my request if the actually had the appropriate disclosure on hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: NH
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 Account # XXXX, has 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 a account without my written instructions 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number _______________________________________ In accordance with the Fair Credit Reporting act XXXX  XXXX, Account # XXXX, has 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 a account without my written instructions _______________________________________ In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX, has 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 a account 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 2023-06-15
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
Company: LEXISNEXIS
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:
Lexis Nexis is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the US Bankruptcy Court Southern District of Florida which is false. I have a attached a letter from the US Bankruptcy Court Southern District of Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. Lexis Nexis is falsely stating this information on my credit report and have yet to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: SRA Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In a letter to XXXX XXXX XXXX, dated XX/XX/2019, I specifically requested proof of the alleged debt and the complete account history for the derogatory information this company is currently reporting to the credit bureaus. XXXX XXXX XXXX failed to provide me with the information I requested. Instead, I received an offer for settlement from SRA Associates LLC. Secondly, I specifically requested a contract or other instrument bearing my signature proving I was legally obligated to pay this debt and that it was my account. The company failed to provide this information as well. Without a signed contract or other instrument bearing my signature that created this debt, the company failed to provide me with proof that I am legal owner of this debt. Thirdly, your company failed to provide proof that it is a legal business, authorized to do business in the State of North Carolina. I am submitting this complaint because I am concerned that both businesses, XXXX XXXX XXXX and SRA Associates LLC are in violation of the FRCA by reporting inaccurate information to the credit bureaus and are engaging in fraudulent debt collection practices. Under 812 of the FCRA, furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe both companies are engaging in deceptive practices because both companies are attempting to collect the same alleged debt. In addition, neither company has provided me with proof or verification of the debt. According to 1692e, [ a ] debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 

This company is engaging in unfair and potentially fraudulent debt collection practices, and company has failed to provide me with proof that I have a legal obligation to pay their company. I am filing this complaint as a last ditch effort to resolve this issue before I pursue litigation in accordance with the FCRA, as I will be enforced to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617, due to the company 's willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XX/XX/2023 XXXXUS Bank granted an Unemployment Forbearance for 12 months ( no documentation is required ) however I provided them all of my unemployment documentation from the State of Florida employment termination letter ; ect. 

XX/XX/2023 - Received letter that unemployment forbearance is being revoked- no explanation- just an ambiguous letter causing confusion. 

XX/XX/2023 - Fax sent to US Ban Case Manager

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