BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: VA
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 XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 
Account name XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Individual Charge Card, Soft Inquiries by : XXXX XXXX XXXX XXXX XXXX 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 : 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 2020-08-16
Company: HW Holding, 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: Their investigation did not fix an error on your report

Complaint:
I was a tenant at XXXX XXXX XXXX, owner XXXX XXXX XXXX XXXX. As can be concurred by many other residents there was a take over by another company with no formal notification from the above company. Prior to the take over on approximately XXXX XXXX it was arranged Verbally with prior management that I would continue renting month by month due to the fact that I was purchasing a house and close to the closing on the property. Because the closing did not come through as projected I asked the present management XXXX XXXX Preserves to extend my time one more month. I was informed someone has already leased the apartment and will be given until the XXXX of XXXX to vacate the premises. I rented a XXXX on XX/XX/2019 and hired a moving company to assist me and hand over the keys to the office on XX/XX/2019 at approximately XXXX - XXXX XXXX. Pictures of the apartment was Also taken as proof. My deposit was retuned. I surmised few months thereafter I received a letter from Hunter Warfield informing me I owe a balance of {$1500.00}. I did not respond immediately thinking that is a mistake. The calls began followed up with letters. I then responded provided proof of refund check an explanation and also asked to remove the negative reporting From my credit but with no avail and absolutely no response. If necessary I can obtain a copy of documents from 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 2020-08-16
Company: EOS Holdings, Inc.
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: Information belongs to someone else

Complaint:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CURO Intermediate Holdings
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My Credit report states that a payday loan debt aquired in Tennessee in XXXX was purchased by XXXX XXXX XXXX XXXX and is listed as derogatory as of XX/XX/XXXX even though the derogatory account was closed and the payment status charged-off over six ago. I have lived in New York since XXXX of XXXX and far as I understand collection on payday loans and derogatory marks on your credit score as a result of payday loans are illegal in the State of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i didnt know that this account existed. I did not open it. i Call the company FLAREACCOUNT  BY XXXX XXXX  and they closed it today i found it in my email today. XX/XX/21

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 2023-09-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The information being reported on my consumer report is inaccurate. The account information including the balance for XXXX XXXX is incorrect. I need this updated to the correct information immediately!! 

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 2023-10-02
Company: EQUIFAX, INC.
State: IN
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 did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a complaint last XX/XX/2023 to validate this reporting account : XXXX XXXXXXXX Balance Owed : {$0.00} I think you have not validated the aforementioned account that exists in my credit report. 
Consider this as a follow-up complaint prior to my previous endeavor.

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 2023-04-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information to the Credit Bureaus XXXX I disputed this information with the Credit Reporting Agencies who report that XXXX XXXX attest that the reporting of the account is accurate. To that end, I disputed the item directly with XXXX XXXX and they again attested that the reporting is accurate. The account is listed as having been closed on XX/XX/XXXX. This closed account was listed as 120 days late two months later in XX/XX/XXXX. The account also is listed as both Settled for Less Than Full Balance and Paid in Full, the account is in fact Paid in Full. As stated, XXXX XXXX has now verified that this reporting is accurate with the credit bureaus and all subsequent responses.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: VA
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:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2020-11-15
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Due to the pandemic, Barclay 's wanted to run promotions that were relevant to the new conditions we found ourselves in, which included running a promotion for XXXX XXXX. I happen to be a fan of XXXX XXXX so it was a win/win. Around XX/XX/2020, I received an email from Barclay 's with the new promotion that stated " Take-out never tasted so good-get a {$20.00} statement credit '' I have attached an image of the promotion as well. But in short, all I needed to do was make 3 purchases with XXXX XXXX and I will get a statement credit for {$20.00}. I made the purchases and it has been 5 months and I have yet to receive the bonus. 

I have contacted Barclay 's directly several times about this. The representatives I got on the phone made it clear that it is a known issue within the department and I will receive the bonus within 7 business days of the call. I last called a month ago and still, nothing.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2018-10-09
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 
Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. I DO NOT HAVE ANY ACCOUNTS WITH XXXX.. ( NONE ) PLEASE REMOVE ANY AND ALL XXXX ACCOUNTS FROM MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Approximately XXXX the Resurgent collection agency instructed a private XXXX XXXX XXXX seize my XXXX XXXX XXXX I Own since XXXX, without a notice. The debt collector refuse to send a validation notice and fail to respond to your verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: MO
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 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 : 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 2022-04-04
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to being a victim of identity theft an account with Navy federal was fraudulently opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote this Transunion two letters to address the issues 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 non-monetary relief
Consumer complaint received 2019-06-28
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:
Unauthorized Inquires on all three bureaus

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 2020-08-26
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: Personal information incorrect

Complaint:
XXXX is reporting that Ive lived at addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses have been disputed, and listed incorrectly again despite the disputes. Additionally, XXXX closed my account, and charges it off. They then wrote it off. Sold it to company that I have the obligation to. The company they sold it to listed as XXXX XXXX. Says my original loan was {$11000.00}. XXXX has it listed as {$19000.00}. The amount that XXXX XXXX has should reflect XXXX. Also, the open dates of the loans are different. Due to incorrect reporting. I request that both XXXX XXXX and XXXX be completely deleted from all three credit companies Pertaining to my name. Additionally, Im asking that the addresses above be completely deleted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This all started when I realized my existing physical credit card expired on XX/XX/XXXXXXXX  and my replacement card was returned to CapitalOne due to a move. I called CapitalOne to request my card be mailed to my new address. After confirming my new address and identity, I was assured by the CapitalOne customer service rep that my replacement card would arrive within 5-10 business days to my new residence. After some time, the card arrived and everything was just fine. Until it wasn't. 

XX/XX/XXXXXXXX  : I received in the mail a new credit card application ( App ID : XXXX ) and in order to complete the appliation, I was to submit additional documents by XX/XX/XXXXXXXX  otherwise CapitalOne would not be able to continue processing my application. I never followed through with submitting these documents via mail or fax. 

On XX/XX/XXXX, I received a letter stated I was approved for a credit card issues by CapitalOne with a {$500.00} credit limit for application ID XXXX. 

XX/XX/XXXX : I called and reported a fraudulent claim against CapitalOne. I was not given any help and was told to make a report with my local police department but was not given the name or employee ID of the rep who was in charge of sending my card to my new address or why an application was started with my name and approved even when I didn't respone. 

REFERENCE INFO FOR COMPLAINT : CapitalOne CASE # XXXX Employee : XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. Transunion and XXXX advised they did an investigation, however left innacurate items on my report. XXXX never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.

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