BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX  credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from Capital One NA. I know nothing of anything I may owe or even ever having used Capital One NA. 

I would like any verification that I owed anything to Capital One NA and when this was assumed and for what the bill was generated. 

If XXXX can not verify this claim, I want the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately. 

XXXX XXXXXXXX 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 2023-10-19
Company: EQUIFAX, INC.
State: NY
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:
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, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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:
I have a Bank of America Credit Card. 
On XX/XX/2020, a charge appeared on my card for a transaction that was not done by me. I never used the card to purchase from the merchant. 
I raised the dispute on XX/XX/XXXX and A temporary credit was provided for the amount ( - {$53.00} ) on XX/XX/XXXX saying that we will research the issue. 
On XX/XX/2020 Bank of America put 2 charges back ( Fraud Dispute + {$53.00} ) and Duplicated the Merchant Transaction ( + {$53.00} ), charging twice for the Merchant Transaction where the credit was given only once. 
I talked to the bank and asked the reason for putting up charges back, and got to know that Merchant claiming it as a valid transaction whereas when I talked to Merchant in XXXX and again in XXXX, Merchant agreed that the transaction is fraudulent and I should ask the Bank to reverse the charges. 
On XX/XX/2020 after chasing the bank and customer care for almost 15-20 hrs Bank agreed ( in a letter sent to me and a Call from the Credit card Department ) and sent a letter saying the dispute is resolved in my favor, both the charges made on XX/XX/2020 will be reversed ( Credit will be provided ). But to my surprise instead of providing the credit another Fraud Dispute charge is put on my account ( + {$53.00} ). 
After talking to the bank for almost 20 hrs, the bank admits it as an accounting error ( 3rd time ) and assured me this will be reversed.

Bank Reversed the charges that were duplicates but did not provide me the original credit of ( - {$53.00} ) even after they admit the mistake to date. I am frustrated, stressed, and gave up on the bank process as no one listens. I even escalated to the CEO of the bank.

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 monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MS
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 received notice of an unauthorized inquiry on my consumer report. I contacted Equifax 7 times today and everyone gave me the run around or hung up in my face. They REFUSED to remove this unauthorized inquiry off my consumer report. I have filed a FTC report regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2018 my agent entered my local Citibank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit a promissory not with the value of {$10000.00}, to be divided as follows ; {$10000.00} to be credited to my account with that branch, as well as {$500.00} in cash or federal reserve notes. The person i spoke with accepted the promissory note, implied that he understood the conversation was being recorded, and expressed his understanding of the debt created by his acceptance of the promissory note as a representative of THE BANK. the MANAGER of the bank was standing there between us participating in the conversation. SHE ( XXXX ) admitted that she had made multiple mistakes during the conversation, including calling themselves representatives of the bank, instead of employees of THE BANK. 

The teller ( XXXX ) accepted the promissory note, from my hand to his, and said the words " I'll accept this promissory '' and " the funds will be credited to your account tomorrow morning '', but the funds were never credited to my account, and no cash was supplied as had been ordered with the deposit slip. 

These underhanded business practices by THE BANK and " it's representatives '' has eroded my faith in the Federal Reserve Banking System in its entirety. Please see that the bank honors the promissory note that IT has already accepted as well as any future promissory notes I will be depositing.  thank you and have a blessed day, 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 2023-06-28
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: 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.

has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: FL
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:
Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I do not recognize these inquiries and need them removed immediately

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 2019-03-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting me 120 days past due on the XXXX ( starting on page 14 of the attached credit report ) - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are incorrectly reporting me 60 days past due on the XXXX XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are incorectly reporting me 30 days past due on the XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 30 - 120  days late on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One XXXX : Please remove this debt from my credit report. I no longer owe this debt. It has been paid and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: FORD MOTOR CREDIT CO.
State: ME
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ford motor credit and I had a lease agreement together. 

In XX/XX/XXXX  we entered into an agreement for a voluntarily early termination of the lease. At this time I owed {$4500.00}. 7 months remaining of my 3 year lease. At the time I agreed to voluntarily terminate my lease. I was not in danger of repossession. I was current with my payments. 

I called and spoke to Ford credit agents cause {$640.00} a month was very hard to come by during Covid. I asked to lower my payments. Prior this the many times I called I went to dealerships and my bank to attempt to refinance it before the lease was up but they said I owed too much. 

The discussion I had with Ford was they would accept my truck back under voluntary means and auction it. 

It was discussed the equity value of the truck would be more then enough to cover what I owed left. Ive never had a lease before and I trusted what they told me, Later after the auction when they eluded that would be all set called me stating I now owed almost {$14000.00}. I was in complete shock and there is no chance owing less then {$5000.00} I would then agree to volunteer to give up my truck to pay {$14000.00} and not even benefit of the enjoyment of it being my property. 

Ford took my truck and fooled me into them getting the truck back and then getting {$17000.00} from the auction and then also trying to get {$14000.00} more from me. 

Their deception is absolutely absurd. 

This is in the courts now. This type of business should most definitely not be allowed. 

This is a huge corporation who had the power to destroy my reputation, my credit and then sue me without any options to be reasonable whatsoever, Ive disputed everything with the credit bureaus, told the attorney general who agrees, the law protects consumers from this type of abuse of power, Ive contacted consumer protection and now the FTC. 

Please help They also removed my access from viewing the record online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: IN
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:
Im attaching documentation of a paid debt and removal from credit report which is still appearing on 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 2019-08-07
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: Their investigation did not fix an error on your report

Complaint:
Disputed more than once : Experian : XXXX XXXX : XX/XX/XXXX, {$230.00} I spoke with and sent emails and received an email from the company stating they had deleted this account and amount off of my account because this account belongs to a relative with a similar name. At the time of this bill, I lived in another location. 

Experian : XXXX XXXX  : XX/XX/XXXX, {$170.00} This location was sold in XXXX and all transactions were paid off by a new owner. 

Experian : XXXX XXXX XXXX : XX/XX/XXXX, We received a deposit from this utility not owing them anything. I never received a bill showing that I owe them anything. 

Experian has several inaccuracies with an excuse that it's updated every 24 hours. That's untrue. They have very old, outdated information and won't update the most recent positive information. They thrive off negative data for certain people like myself : Adding my bank to my husband 's bank Adding my credit card as his credit cards Inaccurate balances and paid off balances as unpaid They are ridiculous and should be shut down immediately.

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 2023-05-23
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Over the past 3 years I've disputed multiple times with all three bureaus the fact that I should not have to pay full msrp on a vehicle that I do not own anymore. I tried to refinance at the beginning of covid because I was not able to make payments after my employers shut down. I made my last payment in XX/XX/2020 tried to refinance for lower payments and during this time I had also learned that my car had 5 recalls that needed to be taken care of immediately for personal safety. the people I took it to said I needed to pay for the cost of labor but everything else was covered under warrantee. I took my remote and left. I tried talking with customer service multiple times, basically got the run around that I owed them and that was final and they weren't going to allow refinance because I need to make a payment or get it out of a past due balance. Which I understand but with covid going on and waiting on unemployment to go through ( fighting with DoL and past employer for leaving my schedule blank I had pictures though so it took a long time I never got paid til XXXX ) which apparently at some point a tow company came to my mother 's house to repossess my car. I never got any notices in the mail or even so much as a phone call and all my info was updated in the system so they knew where my address at the time was. I lost my mother  in XXXX to an illness and then rhe next week they showed up and repossessed my car. Moratorium was still going on! The guy said he was going to give me my plates but never did he just jumped in his truck and left while I was carrying my things up to the porch I never even finished getting my stuff out I didn't fight with him or anything about taking rhe car but he said that gm would notify my about where it was going and so on. Which they never did that either. Next thing I know I get an onstar notification through email said my car is being fixed and prepared to be resold. I called and waited on hold for 3 hours and my phone died I gave up and then a payment was posted yo my account for XXXX which is what I'm guessing the cat sold for at auction 3 years worth of payments plus that equally out to be about XXXX but they still want XXXX and everything I've disputed they get taken off but jump back on my reports as an auto mobile loan, Installmant loan installment loan retail loan and so on they've literally deducted over XXXX points from my credit score over the course. And now currently I can't get any help what so ever. I'm not in enough debt to file for bankruptcy or for a loan nor can I get a personal loan to fix the other issues I have. My husband two dogs and myself have been homeless for almost a year now and I can not find any help whatsoever I don't know what else to do. This is unfair treatment. Harassment and just plain illegal and inhumane.

Company response to consumer: Closed with explanation