BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: CNG HOLDINGS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Starting XX/XX/XXXX the number XXXX claiming to be XXXX called me regarding a matter from XX/XX/XXXX. When you first answer their recording states " You will be serviced legal paperwork in 72 hours '' When someone answered the phone the man kept saying that he was on the phone with the courts. They stated that I needed to speak with their supervisor because I was going to be sued. The Supervisor got on the phone and told me that I owed {$310.00} but if I paid that day on XX/XX/XXXX and that day only that they could drop the price to {$220.00}. I tried to explain that I needed to look into this claim and they pretty much made it seem like I only had two or three days to look into this without getting sued. They stated that they were XXXX and that they were working on behalf of XXXX XXXX XXXX or XXXX XXXX XXXX. I looked into this claim on XX/XX/XXXX and then received a phone call again from XXXX on XX/XX/XXXX wondering when I was going to pay because my account was in pre litigation with their office. They never offered to send me anything in the mail regarding the debt as I have not received anything from neither FCS or XXXX XXXX XXXX. When I spoke with the man on XX/XX/XXXX he was all over the place putting me on hold saying " Oh sorry I was on the line with the courts '' and then he finally got me to the supervisor where they stated they would look into my questioning as to why the other man kept stating he was on the line with the courts which made it seem like I was being sued right then and there. They never got back to me. I set up an arrangement I was not comfortable with because I felt like if I did not then I was going to be sued right away. I have attempted to call XXXX XXXX XXXX a few times and have left voicemails and have had no returned phone calls I called on XX/XX/XXXX and XX/XX/XXXX. So far they have not been able to prove this debt to me which also has my maiden name and I have not used that name in 6 years. Also when I asked about the debt they just kept saying it should be on your credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: AL
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:
The process initially started when reviewing my credit and noticed a discrepancy with XXXX XXXX. I reviewed my payment history called the XXXX  number and reviewed that I didnt miss my XX/XX/2021 payment as they were reporting. They acknowledged the discrepancy and stated they would resolve this inaccuracy with the 3 credit reporting bureaus. This still hasnt been resolved. 
How do I know, i recently tried to finance a new car from XXXX XXXX XXXX, XXXX XXXX and was told by the representative that The Experian app uses a scoring model. All of those credit bureau apps are usually between XXXX points off. I found this utterly amazing and disturbing as the published information from the credit bureaus was vastly different that what the dealership had reported to me my credit score. I shortly received mail notifications from XXXX XXXX and XXXX stating their reasons for denial of which one was numbers of delinquency. This is contrary to what is being reported on XXXX XXXX consumer credit reporting site, that conversely my payment history was very good. I think this a targeted business model by retailers, lenders and credit bureaus to take advantage and charge exorbitant interest rates based on false reporting and deceiving consumers of their credit worthiness. As it relates to my individual situation, when XXXX XXXX looked at my income, length of employment 25+ years with same employer, in their mind this tactic was justification of approving my loan but, at an exorbitant interest is pure unethical. This matter hasnt been addressed and should be on the floor before Congress

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One appears to be intentionally obfuscating the dispute process. 

Summary : After 1.5 years of repeated checking and document submission, I have been told that this case was disqualified from the start for being 10 days late to a deadline for which I had no notification. 

XXXX - The merchant submitted false information to dispute the chargeback request. 
XXXX - Capital One did not notify me of a short deadline, by which to submit additional evidence. 
XXXX - I called Capital One and was told to submit more information through email, which I did. 
XXXX - No notifications were given, I called Capital One and was instructed to send more information through email. 
XXXX - I have been following up on this case periodically for 1.5 years. 
XXXX- Again, no notifications. I called Capital One today to follow up and they told me, upon their review, THAT I HAD MISSED THE VERY FIRST DEADLINE BY 10 DAYS and the entire case was disqualified to continue from that point. 

- I have been repeatedly asked to submit information for 1.5 years, for no reason. 
- I have been told that customers who opt-in for electronic documents are never notified, but that the responsibility falls on my shoulders. ( They said I should be frequently checking for documents within a hidden part of the phone app. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent out letters to the credit bureaus regarding inaccurate and false information that was being reported on my credit report. Its been well over at least 60 days now and I still haven't heard back from them. I think i'm being ignored as well as take advantage of when it comes to my disputes. But I know that section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the damages caused to me by the inaccurate reporting of my credit report. My information was also impacted by the XXXX data breach and could've potentially been misused by someone else other than myself.

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 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
This letter is your formal notice to cease your 2 unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made on : XX/XX/XXXX- XX/XX/XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXXXXXX 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 2022-05-03
Company: EQUIFAX, INC.
State: NC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX has violated my rights. 
XXXX. XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX 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 states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( 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 antidotes the Report by more than seven years.

15 U.S.C 1681 s-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 reason to believe that the information is inaccurate.

These accounts also still contain inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The branch manager XXXX XXXX at XXXX XXXX in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company XXXX XXXX in XXXX, TX and their banking XXXX XXXX Bank XXXX XXXX, TX have made me, the victim, responsible for XXXX Bank passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.

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 2023-10-10
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 this creditor has violated my rights under 15 USC 1681 section 602 states " I have the right to privacy. '' 15 USC 1681 section 604a section 2 it also states " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 USCS 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Solar Mosaic LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two separate billing statements for two home improvement loans, one that my wife supposedly took in the amount of {$50000.00} and another statement for a loan in my name for {$43000.00}. 
Both billing statements received requested banking information to signup for ACH payments. 
I called the company on numerous occasions to let them know that a mistake was made and that we never received or applied for any home improvement loan. They were adamant that without supplying further detailed personal information they couldn't discuss or acknowledge the loans. 
This is a case of fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NV
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 they violated my rights. 
Please delete the following items : XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: MD
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Account Name : ALLY FINANCIAL Account # XXXX / Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violented my rights. 

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without a written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: GOLDMAN SACHS BANK USA
State: NY
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:
On XX/XX/2023 I applied for a credit card Apple Card is a credit card created by Apple IncXXXX and issued by Goldman SachsApple. My application was denied because Goldman Sachs Apple informs me in the application decision that my XXXX XXXX credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. 

I contacted the XXXX XXXX XXXX and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. 
I contacted the credit bank Apple Card is a credit card created by Apple Inc. and issued by Goldman Sachs Apple and a manager responded to me informing me that the only way they can reconsider my application is for XXXX XXXX to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. 

I contacted XXXX XXXX again and they do not have a letter format to send to Goldman Sachs Apple bank the rectification that there is incorrect information in the decision of my application for the Apple credit card. Only they can give me a copy of my credit record, which I should send to Goldman Sachs Apple so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. 

I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. 
I ask that XXXX XXXX please inform Goldman Sachs Apple that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. 
I also request that Goldman Sachs Apple reconsider my application based on the response to be provided by XXXX XXXX, which shall report that the information in the negative credit card response provided to me by Goldman Sachs Apple is incorrect.

Attached the Goldman Sachs Apple credit card refusal response, where it shows that they are based on information obtained from the company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax and XXXX  both dropped my score over 30 points each the day after the government halted student loan payments. Mine was in deferral at the time anyway and it STILL dropped!

Company response to consumer: Closed with explanation