BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I applied to and was approved for the Menard 's XXXX card which is serviced by Capital One. Over the next few weeks I made a number of purchases bringing the card to near its limit. On XX/XX/XXXX I paid the card off in full before the due-date. The payment was made within the Capital One app from my Capital One checking account to my Menard 's account which again is serviced by Capital One. The payment left my checking account and was immediately applied to my Menard 's card. My balance has been XXXX since that instant transaction. However, my available credit remains what it was prior the payment. It has been this way for an entire week. When I called customer service I was told that Capital One " holds '' payments for 7-9 days to make sure they clear. Perhaps this makes sense when paying the card from some other financial institution but this was an in-house transaction. In-house transactions should not be subject to these ridiculous and arbitrary holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have a couple inquiries XXXX XXXX XXXX from this company I dont remember where this inquiry came from. When I did the credit card it was to see if I can be pre-approved and stated it wouldnt affect my credit. I have contacted transunion but they have yet to remove these hard inquiries after a dispute

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2022-12-12
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XXXXXXXX XXXX XXXXXXXX, I was being pre certified from a Mortgage Lender and I had to address a reported Debt from XXXX XXXX XXXX of XXXX was told the debt was closed.written off.Closed due to Covid 19.I owed nothing. 
VA mortgage was approved I had no collections then and to date there are no collections on my credit reporting agencys. 
I am XXXX yrs old and purchased a home XXXX. 
Mary Jane Elliott P.C.firm. sent me a pretrial form Over a XXXX XXXX XXXX again debt of XXXXVerified Closed. 
Mary Jane Elliot P.C. firm sent me-Manipulated XXXX XXXX statements from XXXX through nove XXXX. With identifing me and me address.But the dates of purchases are incorrect, The balances are incorrect and my payment amounts are incorrect.All amounts seem to be manipulated to show a balance of XXXX that is not mine and I do not owe the original creditor, XXXX XXXX with XXXX as the credit giver. 
My credit limit was never higher then XXXX Collections manipulated limit increase to XXXX to account for the absorbant fees and interest charges added to balance..This account was in dispute XXXX Over a defective laptop purchase. 
Mary Jane Elliot, Attorney P.C. collections for XXXX XXXX XXXX closed debts. 

This firm is trying to force me to pay a debt.I do not owe this debt of XXXX to XXXX XXXX XXXX. 
I know my rights are violated under the fair debt and collections act.I have asked this court case now to be heard on XX/XX/XXXX be dismissed on XXXX XXXX because Mary Jane Elliot says I owe this debt. 
I produced a collection form from XXXXXXXX XXXX  for XXXX XXXX from XXXX my credit reports whoing the account closed written off in XXXX XXXX XXXX XXXX removed themselves from XXXX  reporting agencys there is no debt owed to them or the original debt holder. 
XXXX XXXX said he would revisit this in 89 days.Court in Michigan XXXX district court on XXXXXXXX XXXX XXXXXXXX Mary Jane Elliot continues after 1 year of harrassments.On the court date of XXXX Sends me a Stipulated order on my dismissal motion that I agree to pay XXXX at XXXX dollars a month.On a debt that they manipulated documents to reflect a balance of XXXX. That I do not owe. 

And I do not owe XXXXI should not have to pay anything.They should pay me for Harrassment. 

These created and manipulated billing statements from XXXX advantage Credit; Had my name and address correct. 
The merchandise purchase dates and payoff payments were not reflected.As the double fees were removed. 
These deb collectors should be charged for false documentation to collect a debt not owed. 
I can fax credit reports documentation showing account closed In XXXX and removed in XXXX for unable to verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-03-28
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2021-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i am a victim of identity theft on my credit file i have file police report and need these accounts deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: LA
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:
On XXXX I sent a letter to reinvestigate some incorrect items on my credit report. That letter was delivered by USPS by certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and was delivered on XXXX. It has been past 45 days and no response to verify this item which is XXXX, XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I am attaching a copy of that letter and I sent a second letter on XXXX under tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX to notify Equifax that 45 days have past and to delete this item from my credit report and they have not, which is a violation of 15 U.S.Code section 1681i- Procedure in case of disputed accuracy. 

I also sent a letter to Equifax to reinvestigate two items on credit report which is XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX It has been over 45 days and still no response and this is a violation of 15 U.S. Code section 1681i- Procedure in case of disputed accuracy. 

This is hurting my chance of getting a house and is not acceptable I also sent them my state ID and proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Today is XX/XX/2021. I mailed out letters to XXXX, Transunion and XXXX on XX/XX/2021 about inaccurate information and Child Support reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, XXXX Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2022-10-30
Company: Experian Information Solutions Inc.
State: CA
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  has sold my loan to another company called XXXX. I have paid XXXX for my loan with loan me from XX/XX/XXXX until paid off on XX/XX/XXXX. 
I filed a dispute with experian on XX/XX/XXXX2022 because loan me did not update my loan status. After completing the investigation loan me reported I paid them until XX/XX/XXXX2022 and then my loan was charged off. 
This is inaccurate information because I did not pay loan me I paid XXXX from XX/XX/XXXX2021 - until paid off on XX/XX/XXXX2022 after my loan from loan me was sold to them. 
Under the fair credit reporting act loan me has violated my rights. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
Due to the incorrect payment history and dates I would like to request loan me account is deleted from my credit report. I will attach the supporting documents of the Loan payments to XXXX for loan me being paid off on XXXX/XXXX/2022.

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 2022-04-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have received an email from XXXX to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXX XXXX  and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost XXXX points from my score and my goal to achieve above 700 credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.

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 2021-05-19
Company: EQUIFAX, INC.
State: CA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: STERLING JEWELERS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Made original purchase on account on or about XX/XX/2019, returned one item on or about XX/XX/2019, made all required minimum payments on time. The original purchase mentioned above was made as an one year interest free promotion, I have so far followed all terms imposed by the creditor. On or about, the statement of XX/XX/2019, the credit card company transferred approximately {$840.00} as a regular purchase. Additionally, was billed a finance charge of {$21.00} which was not supposed to have happened. 

Retail establishment is Jared Jewelers, cardholder management maintained by XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-10-30
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ally Financial is reporting the following information on my credit report : 1. Payment history : number of times I alleged been late on my account, 2. Pay Status : alleged past due status, 3. Terms : The information listed above is better known as transaction is being reported on my consumer report. ALLY FINANCIAL IS ILLEGALLY REPORTING THESE TRANSACTIONS ( Payment history, pay status, Terms ) on my consumer reports! Ally Financial is in clear violation of the law. 
Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Subsection ( d ) CONSUMER REPORT Subsection ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does NOT include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences the consumer and the person making the report ; THE LAW AND THE FTC ADVISORY OPINION CLEARLY STATES XXXX Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) making the report is NOT included on my consumer report! 
Payment History, Pay Status and terms are transactions of open end credit and closed end credit extended between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
ALLY FINANCIAL HAVE VIOLATED THE FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting this transaction or experience ( Payment History, Pay Status, Terms ) on my consumer reports which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.

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 2021-05-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
hello this complaint is with pay pal this account was closed months ago because of a dispute over un approved freight charges of {$1500.00} and 25 + orders never delivered from XXXX.

there was a investigation by pay pal as they paid these charges, they only FOUND4 items that were not shipped and returned the charge back to paypal. " THE REPORTED ITEMS WERE A EXAMPLE OF THE BUSINESS '' repeatedly tried to get a return for the amount listed and the undelivered items. It appears that this is a date was falls represented as the investigation. next the company has closed the account and still charging me amounts. this is not right. the account has been turned over to a debt consolidation company. when they will began the proceedings my account will have to be payments to them has to increased for them to work on it. enclosed is a copy of last statement from them. i mean no harm or insult and offered to pay rest off after the refunded money and items were delivered. they did not correct the issue. this all began XX/XX/2019 please and thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NJ
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 have received an email from XXXX to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXX XXXX  and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost XXXX points from my score and my goal to achieve above XXXX  credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.

Company response to consumer: Closed with explanation