BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is CITY OF XXXX XXXX. 
I paid off this account but its still showing that I owe a balance. 

XXXX account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX  XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2023-07-30
Company: Paypal Holdings, Inc
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Venmo XX/XX/2023 My legal name was changed to my ID. I have all the documents saying that I changed it. So I wanted to change my name in Venmos records. My credit card says my old name and I wanted to change it. 

Venmo was very confusing and demeaning for my legal name. They said they cant update their system, so they told me to make a new account. They wont do it for me, they are forcing me to delete all the data I have on my account. This is unprecedented, every single financial institution changed my name. I had the proper documentation is thats all they needed.

I would like to find out if this illegal? Can they decline my request to change my legal name? I would really appreciate it. 

Thank you for your time, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This is a small business XXXX XXXX with Bank of America. On XX/XX/20 I notices a daily stream on unauthorized purchases beginning on XX/XX/20 from " XXXX ; According to the XXXX XXXX XXXX this entity has nothng to do with law enforcement. 

Bank of America claimed to have launched a fraud claim. However, they will not provide an acknowledgement or indicate what if anything they will do in the meantime. Several customer service representatives and a supervisor have told me that they have 90 days to conduct an investigation and will not contact me in the interim. 

The last representative told me that this was their internal policy and that I could " XXXX '' the bank 's responsibilities on the law. I was also told that there have been a " rash '' of these complaints. 

I have not done anything wrong. I carry my credit card in a WPPL blocking sleve. I do not cache this card on any on-one internet site. How did they get my information and how can I protect myself if the bank won't act for 90 days. 

This policy can not stand and I need immediate relieve.

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 2023-08-23
Company: EQUIFAX, 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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company failed to send me a Notice of Debt which they are legally required to do. This company never provided the name of the original creditor, the amount owed, or notice of my right to dispute the debt. I paid the original debtor directly, which was Progressive XXXX insurance, the remaining balance of {$160.00} on XX/XX/. If I was able to pay Progressive directly, the company Credit Collection Service did not own the debt. They are violating my rights by trying to collect on a debt they do not own and they are also violating my rights by appearing on my credit reports as a collection account. My rights are being violated by this company and I will escalate this if this is not resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX when i was still married we applied for a second mortgage to help pay for home repairs that happened during a flood, in XXXX I divorced, specialized loan servicing offered a modification to help lower payments. I was assured it was the same 313 month loan terms, but on XXXX of XXXX a balloon in the amount of XXXX became due. I was unaware of this balloon payment. So I tried to do a modification with them which they refused twice saying I dont meet the delinquency criteria, all they offered was a short sale. I am not in position to do that, I live in the house with my children which one of them is profoundly XXXX. They continue to threaten foreclosure on me. I am working with mortgage assistance program in my area and they will not work with them either. Also when they sent the papers that I signed for the modification it doesnt show the notary signatures that I signed in front of. On the verification of mortgage it states 313 months which should of been till XXXX. They took advantage of me with that offer back in XXXX as I thought I would be saving money. This second mortgage I am talking about was discharged in a XXXX bankruptcy and I continued to pay it so I can stay in the house. They are now calling and asking for the balloon payment and threatened foreclosure on several occasions. I can not come up with the XXXX they are asking for now. I have no where to go, I need my home for my family.

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 2023-02-08
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 the accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name XXXX XXXX  Account # XXXX XXXX Account Name XXXX XXXXXXXX XXXX Account XXXX XXXX  XXXX 15 U.S.C 1681 Secti

on 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 with my written instrutions. 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 2023-09-22
Company: CarMax, Inc.
State: CA
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:
On XX/XX/XXXXXXXX  I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that CARMAX AUTO FINANCE account opened on XX/XX/XXXXXXXX  with account number XXXX was opened by someone else that was not me due to Identity Theft. XXXX, XXXX, and carmax refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. XXXX & XXXX did not provide me with proof that the account was opened by me or any information as to why they will not remove the account. 

On XX/XX/XXXX, I submitted additional information to support my claim of identity theft ; including a signed document from the In-patient ( meaning I as a patient was not allowed to leave ) during the time that the car loan was opened in my name. There is no viable way that I could have purchased/ taken out a car loan since I was enrolled in this inpatient clinic at the time. 

Carmax still refused to remove the account and gave me no new reason why- I am attaching completion letter from facility stating that I was in their care during that time, also the police report, and carmax affidavit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion downgraded my credit score from XXXX ( excellent ) to XXXX ( fair ) for no reason. When I looked up " What changed? '' on the report, there were 3 changes to my credit card utilization. However, the sum total of these changes was that I had reduced my net credit card debt by {$1000.00} during that period. There were no negative comments on the report at all. In fact, all the criteria for maintaining good credit ( such as credit card utilization, meeting payment requirements, etc. ) were in my favor. 
I am deeply concerned that there has been a transaction that does not appear on the report where I have been defrauded, but I can not get the company to respond.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: MI
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have requested XXXX XXXX XXXX XXXX  to remove their furnishing report that is still on my credit reports ( excluding XXXX ). They have continuously failed to report to the remaining XXXX major credit bureaus to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ). 

I have previously filed a complaint and the response was unsatisfactory as they requested information to process my request, but gave me no sources to submit such information. Therefore, I am submitting my request again, alongside the request documentation.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-08-23
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: AL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights according to the law. 

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 an 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 INNACURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Cap One is reporting on my credit report for a debt since XX/XX/XXXX. This debt is well over the statute of limitations. Cap One keep re-reporting debt as hard inquiry on my credit report with all 3 bureaus. Based on XXXX XXXX it was last reported on XX/XX/XXXX and was not removed as promised from Cap One. 

I disputed this error last year XX/XX/XXXX CFBP Complaint number XXXX and received the response from Cap One " The account charged off on XX/XX/XXXX, with a balance of {$520.00}. On XX/XX/XXXX, we referred this account to XXXX XXXX for collections on our behalf until XX/XX/XXXX. On XX/XX/XXXX, we referred the account to XX/XX/XXXX for collections until XX/XX/XXXX. Our records show that your account ending in XXXX was settled on XX/XX/XXXX, in the amount of {$290.00}. We understand you would like us to delete the information we reported about your account. Weve confirmed that were no longer reporting this account to the Credit Reporting Agencies. '' ( see the attached ) I should not have to suffer for inaccuracies reporting on my credit report for this debt any longer.

Company response to consumer: Closed with non-monetary relief