BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The amount of XXXX was paid. That amount was transferred to another collection agency. Wakefield said I still owed them. the agency that got the debt was XXXX XXXX XXXX. I paid XXXX XXXX for the outstanding debt. XXXX XXXX XXXX said they were not supposed to take the payment from me. I will pay XXXX for any debt owed to them directly. I want Wakefield to take that amount of XXXX off my credit. I did not owe Wakefield and it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: CT
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:
My understanding is that the XXXX error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from 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 2023-04-24
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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This account with XXXX XXXX bank is showing a balance after being charged off. It is still reporting as late every month

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 2023-02-13
Company: EQUIFAX, INC.
State: PA
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, XXXX : XXXX, Beneficiary. I recently looked over my Credit Report and noticed inaccurate Accounts and Inquires on my credit report that are fraudulent and needs to be paid in full and DELETED from my Consumer Profile. If these accounts are not removed from my consumer profile by XX/XX/XXXX, I will be sending the IRS ( INTERANL REVENUE SERVICE ) my packet. ( Also I've tried to get your company Ein multiple attempts with proof and your company have failed to provide that to me. Which is a refusal and according to the law per refusal is {$50.00} ( which has been over nine attempts with proof ). Before I take this route I will give your company XXXX last chance to remedy this wrong and delete these from my consumer report. If not I will send in to the IRS a packet with W-9 , 1040, 1040V of you company information and the accounting numbers so that this account can be reported to the IRS and for them to audit your company for not reporting it. I Am done with going back and forth with these accounts. Stop reporting them or lose money, and some paperwork to show for to the IRS simple as that I know with time anything is possible. So with that being said Remedy this wrong and do as I say or this could possibly go to Federal Court. Your company belittles consumers and I have met the right set of people who has educated me properly and made me aware fully of how to complete the process and even receive a check from your company. However, I dont want anything from you except to DELETE these accounts from consumer profile. 

I DEMAND YOU DELETE AND BLOCK ANY ACCOUNTS FROM REPORTING ON MY CONSUMER PROFILE!! 

ACCOUNTS : XXXX XXXX Date Opened : XXXX XXXX Amoun : {$1100.00} XXXX XXXX XXXX Date Opened : XXXX XXXX Amount : {$540.00} XXXX XXXX Date Opened : XXXX XXXX Amount : {$54.00} XXXX : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00} XXXX  XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$330.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$0.00}

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 2023-02-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts, be verified or removed immediately : Please investigate and remove completely from my credit report, Please investigate and delete from my credit report. 

XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX & XXXX : ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX ( ACCOUNT NUMBER XXXX ) In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It started with myself looking at my finances as a whole. I called the credit card company and found out that there was a promotional balance transfer offer - and I took it. I transfered my balance from another card to this new card. I'd like to note the reasoning behind this action : My goal was to show a lower credit card utilization percentage. The card I transferred from was almost 100 % and the card I was transferring to had such a high credit limit ( mind you, I haven't use this card in a while! ) so after I transfer to this new card, the utilization percentage would be roughly around 50 % and the prior card would now be at 0 % - this action would improve my credit score as I continue to pay off my debt. 

About 1-2 weeks later I received an email saying that my credit limit decreased after a review of my credit reporting. ( attached ) This was alarming so I called the credit card company to try and rectify this. I was pretty upset of course because this now defeated the purpose of me transfering my money to this new credit card banking company. My question was - why, after I recently transfer money does the company want to 'review my account ' and lower my limit. If my credit reporting history has been the same for a while now, then why didn't they want to lower it beforehand. Also - why would they approve the balance transfer offer to me? 

I don't find this action professional from this company at all. 

When I spoke to the representative over the phone, I was able to get transferred to a supervisor ( they told me this person was anyways ) and they put a request in to 'raise my credit limit '. I didn't think this was the correct procedure to do honestly. I new it would go through as a normal request - not a special case request as my phone call into them was pertaining to. I feel this was on a whole different level where it should have been handled differently. So of course, I received a denial letter ( attached ). 

I don't feel this was right or handled properly. This action did worse to my credit report. I honestly wish I just never did the transfer. I am looking into any options that I have to get this rectified. The very least, I want to pull my money back out from them and move it to another credit card banking company. They do not deserve my money for what took place.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
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:
I pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX. Experian did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.

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 2022-04-08
Company: Abrahamsen Ratchford, P.C
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2022 report was pulled because I'm trying to buy a house previously and the company wasn't on my report when pulled previously then I was told on this date they were. I called company listed and they passed off to Ratchford Lawyer. Spoke to them as well on XX/XX/2022 I said this debt was paid can you send me in writing the amount owed for proof. They agreed. I've been waiting a month now and every time I call them or original creditor they say they can't accept my money because I dispute then after I get some letter they can allow me to pay. I call at least once a week since XX/XX/2022 and they deny me paper and " letter is coming '' I said it takes a month? " I guess so '' so I finally said I guess you don't want to be paid and hung up on XX/XX/2022. This is holding me back from approval for a mortage. They have never called me nor sent me anything until my credit was pulled for a mortage. Even now they don't call me. The creditor they bought debit from sends me offers for credit!? I just want off my credit and they will not work with me and refuse payment so stop reporting!! Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote capital one to get my account restored and a copy of 1099-C was filled for {$100000.00} to open up an investigation for final accounting with XXXX XXXX XXXX XXXX XXXX XXXX 

My writing were ignored I feel my Payment was discriminated against seeing my creator does not allow us to pay in dishonor and died for my sins. 

Pursuant to 18 U.S. Code 242 - Deprivation of rights under color of law my religious rights were violated. My creator gives me abundance. I was discriminated against under XXXX of law titles. 

My account was closed and my character was defamed by capital one bank this falls under United States Code : Fraud and False Statements, 18 U.S.C. 1001-1026 ( 1952 ). 

This matter needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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:
Based on new information I would like you to reinvestigate complaint XXXX. As they responded in some instances they are able to determine if the disputed information can be changed or delete without having to contact the furnisher. I asking toto invoke this procedure in this dispute. 

Please see attached

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 2022-11-17
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERIAN IS CONTINUING TO REPORT FALSE INFORMATION ON MY CREDIT REPORT. I ONLY HAVE ONE ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. ANY OTHER ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS. ANY OTHER ADDRESS IS INCORRECT AND NEED TO BE DELETED.

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 2023-03-07
Company: EQUIFAX, INC.
State: NC
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 a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any remaining records. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I made an online bill pay TO my XXXX 's XXXX FROM my Capital One banking. After a week I did not see a posted payment to the XXXX account. I waited until XX/XX/XXXX to reach out to Capital One to see why this payment had not gone through. I was transferred to the fraud department, when all I wanted was a stop payment on the check. They treated this as a dispute and a fraud claim. This was a mistake on their part, not mine as I have paid this credit card many times before with this method. I was told it would be up to 45 days to credit my money, IF it was indeed an incorrect mailing address. The amount was close to 2000 US dollars. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
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: Information belongs to someone else

Complaint:
In late XXXX, my landlord had filed an unlawful eviction notice and I was the only one in my family making income during the midst of a global pandemic, and while my family and I were in shock, I decided to pursue buying a home, and a lender asked to pull my credit. i am an individual who mostly uses my debit card or cash to pay bills and have only had 1 or 2 credit cards and would pay in full and not be involved in my credit as there was no need. When the lender pulled my credit, they told me I had two charge-offs on my credit reports for XXXX, Transunion, and XXXX and I was taken back and completely caught off guard. The two charge offs were from XXXX XXXX XXXX or XXXXXXXX XXXX both of which I have never opened a credit card with, never authorized, applied, or used from either company. For almost a year, I disputed the fraudulent accounts with the credit bureaus by sending debt validation letters, proof of debt, wet ink signature, method of application, statements, charges, etc. and an explanation on how the credit bureaus can continue to report fraudulent accounts I never authorized and was not aware of. I decided to also file an identity theft police report, which was approved by the XXXX XXXX Police Department and also changed passwords on the two cards I had, placed extended fraud alerts on all three bureaus, and made sure my personal information ( which was a mess, incorrect names, old addresses, old phone numbers and incorrect employers I had never worked for ) was up to date and accurate to ensure the accounts got removed. No credit bureaus removed the accounts after seeing an approved identity theft police report, which I sent and attached to my dispute. I have filed another identity theft affidavit and I am asking the CFPB to remove both fraudulent accounts by XXXX XXXX XXXXXXXX and XXXXXXXX XXXX on all credit reports and immediately updated as deleted. I will not tolerate FCRA violations, and both these companies harassing me and sending me debt collection letters on accounts I never opened, authorized, or even knew existed. The CFPB has a legal obligation to force the credit bureaus to remove the two charge-offs and allow me to properly build back my financial picture which was damaged at no fault of my own. I will provide as much documentation I can to help this process go smoothly.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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