BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
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: Information belongs to someone else

Complaint:
XXXX XXXX Account XXXX XXXX {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXX XXXX {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account XXXX XXXX. 
XXXX {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account XXXX XXXX XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXXXXXX XXXX Account XXXX XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account XXXX XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Attempts were made to qualify for a personal loan. The Credit Union denied my application due to derogatory and erroneous information stated on a credit report provided by Experian. Information/reasons noted, Number of accounts with delinquency ; proportion of loan balances to loan amounts is too high ; length of time revolving accounts have been established ; and too many inquiries last 12 months. 

I have NO delinquent accounts ... nor have I had a history of any delinquent payments. I have only ONE loan for a XXXX vehicle. The payment is 5 % of my monthly salary. It's a recent loan, which would justify the loan balance to loan amount ratio. However, it is a $ XXXX vehicle and the loan amount is $ XXXX. My home is paid in full. I have no other obligated payments and/or charge cards that are not paid in full at the end of each month. And I'm unsure of the validity of a high quantity of credit inquiries if they are not established loans. 

This credit rating has placed me in a bad rating category and I have tried every means possible to contact Experian for a dispute resolution. There is absolutely NO means to speak with a person. The automated system only provides on line instructions. I've contacted the credit union as well. They made every attempt to locate a number or means for resolution with Experian. They provided two phone numbers that also proved unsuccessful. Experian makes it impossible to be reached. 

I would like " SOMEONE '' at Experian to explain how the company came to the conclusion I should not receive a loan and the reasons they provided to the credit union. I've obtained a credit report from their website and there is NOTHING to indicate the information contained in the letter I received from the Credit Union to justify Experian 's reason for disapproval of my loan request. The ONLY detrimental information contained on the entire credit report consisted of ONE late payment in XXXX, which belonged on a card I did not possess. PERIOD!

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 2023-04-13
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am XXXX XXXX XXXX living on a monthly XXXX XXXX payment of {$2700.00} per month. My wife XXXX XXXX last XXXX as a result of a XXXX and now I do not have the added income of her social security or pension. I have called Capital One at least XXXX times since she passed away asking for a reduced interest rate so that I can attempt to pay off the principal balance in my lifetime. I have also written two letters to the Capital One CEO. I have received phone calls but every representative states they do not offer reduced interest rates and they try to trick me into paying the now late fees and additional penalties by setting up automatic payments. I am not exaggerating when I say that I have spent XXXX hours no the phone trying to resolve this. I do not want to walk away from this financial commitment, but I can not pay the almost 30 % interest rate. Capital One representatives have told me to call back EVERY DAY to see if they have any new programs I can benefit from. I need help! I need someone to intervene and contact Capital One because I am getting no where with my calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: MO
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX On XX/XX/23 XXXX XXXX XXXX Placed an unauthorized credit inquiry on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We started with thus loan in XXXX at the price of XXXX. As if to date XX/XX/XXXX we still owe XXXX, XXXX 7 years later. We have yes asked a five extensions due to covid but have been making payments of over {$400.00} a month on this vehicle and we have only had a little over XXXX dollars put towards principle. There is a problem. 
There are 24 other people that we have on a list that are going through the same issues as we are and hundreds more on Consumer reports concerning Regional Acceptance. Our Vehicle is still in the whole. Need help. 
Sincerely, 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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
transunion is reporting multiple accounts that are closed and late payments from multiple accounts i will need this change immediate because it is hurting my funding opportunity

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 2023-09-17
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX, XX/XX/XXXX XXXX I have no knowledge of what this is and why it is on my report it really needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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 information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX : {$470.00}, XXXX XXXX  XXXX Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: SC
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, XXXX A XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX SS XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-02
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems LLC is running a fraudulent company. They are claiming I owe XXXX XXXX {$430.00}. This is impossible considering I currently have a wireless XXXX account that I pay monthly bills for. I have contacted them and they told me I am completely up to date with my payments. If this debt was true, XXXX would have contacted me or not let me sign up with them in the beginning until I rectified this " debt ''. I have googled this " Jefferson Capital '' and there are 100 's of reviews all saying the same thing. They all state that this " company '' is inventing XXXX debts with people or they are buying very old debts and " re-aging '' them to make them look more recent, so they will not drop off people 's credit report. I am very discouraged because I have been working to build my credit and this fraudulent company is trying their best to undo my work by conducting a massive scam. This company needs to be investigated and stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company refuses to unblock account. 
This is a dead loan. 
This company illegally bought the dead loan. 
Company continues to notify via mail to ex husband and grown children who no longer live here. 
Harassing daily with phone calls and letters Company needs to quit illegally foreclosing and trying to auction home this is the XXXX time in XXXX  years and judge has found in my favor every time we have been to court. 
I am XXXX and now have a XXXX son. 
Illegally trying to modify and change loan that was already in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023 I purchased two American Express cards to put money on for my teenagers allowance. They tried to make a purchase at XXXX but it was declined. They tried to pay a bill at XXXX XXXX and it was declined again. I contacted American Express, confirmed the cards were activated and after describing the error the representative suggested I not use the card with this merchant ( XXXX ) and try another store. I got off the line and tried at three different stores- XXXX XXXX XXXX, and XXXX to no avail. I called back to reiterate thats the card agreement says it can be used anywhere online that allows the usage of American Express cards. I would just like to have my money back at this point because when you call they keep suggesting other merchants and at this point I am done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Are checking account have been hack. From the month of XX/XX/XXXX our checking account have been hack. The bank notified us that their were some unusual activity in our checking account. The checking account was closed and a new card with new checking account number was issued this happened 3 more times. On XX/XX/XXXX my wife received a letter from Wells Fargo indicating that her dispute of {$520.00} was overturn and that the provisional credit will be deduct the said amount. I called the bank and spoke to XXXX and then to XXXX XXXX, because I did not call for any file a claim in the first place I asked XXXX XXXX, was my voice recorded, did the bank call me or try to reach. She said no we know it was you. The amount stated is a car payment to XXXX XXXX XXXX this amount is being deducted every month since XXXX. I feel violated someone call and made this phony claim and Well Fargo Bank with my knowledge and authorization process the claim. They should have call me, text me, email me or my husband. but instead took the claim and process it. This is clearly a breach of contract and privacy policy

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 2023-05-15
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I didn't receive enough information to validate MEDICAL DEBT. 

Date : XXXX XXXX Sent Debt Validation Letters for account numbers XXXX ( XXXX, XXXX And XXXX ) Sent letters to Ability Recovery Services LLC ; XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/2022 Response : Ability Recovery Services llc has sent back documents containing only charges, no other acceptable documents providing validation of debt. 

I requested the follow A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to them. 

They send me the following attached documents. They have not provided me with the thorough breakdown of all alleged charges, provided me a copy of my signature from the provider showing my request to release information to them etc..

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 2023-09-17
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not give this company to transfer my account to a third party collections company without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$3400.00} DATE OPENED XX/XX/2019 NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am very frustrated and saddened that this keep happening. I been trying to close this card for years and this company would never close it. I don't use this card at all. I recently checked my credit and they put a late payment on my credit that is not correct. They are saying the annual fee of the card caused me to be late. 

I didn't charge this card or purchase anything so a annual fee can not be counted as a late payment. Remind you I been trying to close this account for years. They are taking advantage of me by keeping this card active so I can pay them a fee every year which is fraud. 

they have done this a few years and its a violation of the FCRA. I have never been late because i simply dont use the account and it should be closed.

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 2018-08-27
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company has received a notice of debt collection for a debt that is not ours. 
The notice of collection is from Professional Bureau of Collections of Maryland , Inc . 
There is creditor listed : The XXXX XXXX The account balance is {$1000.00} No other information is provided.

Company response to consumer: Closed with explanation