BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: WI
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 received my credit report and on XX/XX/XXXX these accounts with amounts and balances XXXX XXXX  XXXX {$510.00} XXXX XXXX  {$510.00} XXXX XXXX XXXX ( XXXX XXXX {$530.00} not related to any transaction I have had. 
XXXX  XXXX ( collection ) {$540.00} not related to any transaction I have had. 
XXXX XXXX ( collection ) {$1000.00} not related to any transaction I have had. 
XXXX XXXX XXXX ( collection ) $ {$520.00} not related to any transaction I have had. 

Experian, XXXX and XXXX have reported as recent as 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 explanation
Consumer complaint received 2023-07-18
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:
I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Account name XXXX XXXX XXXX XX/XX/XXXX, XXXX Theft by trick, Bank of America representative called my cell phone at XXXX XXXX  pst, said I was hacked by XXXX and XXXX XXXX was responsible for the fraudulent transaction, I had to transfer {$12000.00} and second transaction of {$3000.00} by XXXX XXXX secured transfer to clear up the fraudulent transaction. I sent the cash after withdrawing from my account. XX/XX/2023 same representative text me a federal letter from comptroller of the currency to confirm all that transpired XX/XX/2023. Then same person from Bank of America said my husbands XXXX XXXX retirement acct was hacked, and they wanted me to get out {$62000.00} from that acct. We then realized this all must be fraudulent as of XX/XX/2023. I then filed theft fraud complaint with my Bank of America manager in person, FTC, Ic3 FBI, XXXX XXXX Police dept, secret service homeland security. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: AR
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:
This is my second attempt to inform you that the current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00}.

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 explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am the XXXX  and have several Capital One Checking and Savings accounts. I have XXXX children ranging from XXXX who I am educating in banking techniques. I started with a child savings account 2-3 years ago with the now XXXX XXXX XXXX and then my XXXX XXXX XXXX last year. I noticed recently that while the interest rate in my savings accounts escalated to over 5 % from XXXX. The children 's savings accounts remained at 0.3 % interest. In speaking with Capital One, they advised that that was just how their products worked. The representative also advised that I could create a 360 Performance Savings Account and have my child as the secondary. I made that change and now have found out that the my child can not " transact '' against that account, such as transfer funds, etc I have made two calls to Capital One support from XXXX through XXXX regarding this issue.. 

Therefore - my complaint is unfair interest earning practices against minors and minor focused products

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
Approximately one year past ( XX/XX/2021 ) I purchased a service from XXXX XXXX XXXX to assist me in selling or dissolving a time share. They suggested they had the means to so and I agreed to place {$4900.00} on a Barclays credit card. XXXX XXXX was unable to assist me and I filed a dispute with Barclays for a charge back. The claim was incorrectly filed under fraud instead of no benefit of service and we received the funds back from Barclays. On the next billing cycle the amount appeared again explaining I had entered into the transaction willingly and was not fraud. I agreed and reminded them I had filed the complain as a no benefit. Barclays then let several months transpire without addressing the issue and now suggests too much time has passed for them to remedy with the vendor. I have tried in vain to work with Barclays but they suggest there is nothing they can do. I have tried working with the company but they are not answering my calls

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 2022-11-14
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a new collections account showing on my credit report that should not be there as I have no knowledge who the account belongs to as my name is XXXX XXXX and the account is under XXXX XXXX. I have received a collection letter in the mail and asked for verification and the letter I recieved in return stated that it is for XXXX XXXX XXXX when all of my XXXX XXXX XXXX accounts are up to date and active listed under my name XXXX XXXX. This account should be removed as I have no prior knowledge as to how an account can even be opened under a name that isnt showing on my license or ID. The company has been extremely unresponsive when it comes to correcting this matter as the letter I sent asking for validation was not a true debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Old information reappears or never goes away

Complaint:
Transunion, XXXX and XXXX are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX. This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXX XXXX  informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
I called your department after I purchased a credit report with XXXX XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-14
Company: Innovative Funding Services, L.L.C.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I bought my car from XXXX car sales in XXXX of 2020 and they use Innovative Funding Services to complete the transaction. The company is charging customers extra {$300.00} if they don't sign for an auto loan with them and use their own bank instead. The interest rate with them was almost double of my credit union. So I was forced to pay the extra fee to buy the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed 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 XXXXXX/XX/XXXX ; XXXX 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 2022-05-19
Company: EQUIFAX, INC.
State: TX
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'm accordance with the Fair reporting act XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2023-11-18
Company: EQUIFAX, INC.
State: NJ
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:
It is ilegal to add something that was removed as inaccurate on my credit report remove all negative items immediately as soon as possible The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company listed below is reporting fraudulent information stating that I have a collection account with them. I have no collection account with any company and they are harming me financially, not only that, they are stating I owe something as of XXXX of this year, XXXX review of my credit profile will show that I pay my creditors off almost completely every month. They have also not communicated anything to me but has heisted my credit profile in what appears to be extortion, my credit cards routinely run over $ XXXX and I pay them off in full, I certainly owe this fraudulent company nothing, I'll also include that my phone number has not changed in 21 years. I don't know who these people are and I certainly don't owe them anything this issue has dropped my credit score by XXXX points and I owe them nothing, my credit file has been in good standing for years and I owe no company anything. 

RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$940.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has lied about results on a dispute. I had no late payments and XXXX has had no communication XXXX. XXXX also denies my account is closed which was information also submitted by XXXX. XXXX gave me acces to documents demonstrating they made an error in reporting late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-02-09
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI
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:
I moved into a condominium association on XX/XX/2021. Because homeowner 's association fees are due on the beginning of the month, I believed the previous co-owner had paid for XXXX. Once I alerted the management company for XXXX XXXX that I had moved in, I received an invoice for XXXX. Our bylaws state we have the right to dispute and I did so. In the meantime, I verified that I did owe XXXX  dues and subsequently paid them. By the time the payment had been received, my account had been sent to collections and Makower Abbate Guerra Wegner Vollmer PLLC also began tacking their own fees onto what I owed. I have been making my regular payments of my HOA fees every month. In every communication with XXXX XXXX XXXX and the collection agency, I have disputed their fees. By our bylaws, any dispute should be sent to arbitration. I have received no communication as to how to begin that process. Instead, in XXXX I was told by the collection agency that the XXXX XXXX XXXX XXXX had denied my request for arbitration. Again, by the bylaws, a dispute and subsequent arbitration is a right, not a privilege. The collection agency has also denied my request to be provided any information regarding said denial, stating it is attorney-client privilege.

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