BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I purchased entertainment tickets for an event scheduled on XX/XX/XXXX in the amount of {$420.00}. The event has been postponed to XXXX, XXXX due to COVID19. Since I purchased something that I have not received on the date originally promised, I have asked the merchant for a refund. The merchant has declined an immediate refund due to monies already spent, indicating i would be placed on a refund list with no timeframe as to when a refund might be issued. I initiated a chargeback with my credit card company ( CapitalOne ) and they too have declined any further action. CapitalOne case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
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:
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 : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX  Account Number 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
EQUIFAX DROPPED MY CREDIT SCORE BY 75 POINTS IN ONE HIT FOR MY CREDIT BALANCE RAISING BY {$110.00}. IT'S ILLEGAL FOR A CREDIT SCORE TO GO DOWN BY MORE THAT 50 POINTS LET ALONE 75 POINTS BY XXXX XXXX XXXX EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is reporting a Bankruptcy and other Information on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report and have a list of the Information that I upload and I highlight all the Misleading False Reporting Experian have Violated all these laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Under 15 U.S. Code 1681b Permissible purposes of consumer reports Under 15 U.S. Code 1681a ( 2 ) B ) Exclusions from a consumer Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXXXXXX XXXX  - Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXX XXXX -Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

XXXX XXXX XXXXXXXX - Misleading False Reporting Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

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 2022-08-28
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 accordance with the fair credit Reporting act, my rights have been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-08-26
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I HAVE RECEIVED MULTIPLE ILLEGAL TELEPHONE CALLS THIS MONTH. THE CALLER DOES NOT LEAVE A MESSAGE. I HAVE GOOGLED THE NUMBER ( XXXX ) AND DISCOVERED OTHER PEOPLE HAVE BEEN BOTHERED AND HARASSED BY CALLERS USING THIS NUMBER. THE CALLER REPRESENTS CONTINENTAL SERVICE GROUP , INC. ( ConServe ), A DEBT COLLECTION AGENCY. 

I HAVE NO DEBT. I SHOULD BE NOTIFIED BY MAIL IF A COMPANY THINKS THAT IT HAS BUSINESS WITH ME. I DEMAND THAT THE COMPANY STOP CALLING ME, OR PROVE THAT THEY HAVE BUSINESS WITH ME. 

I CAN NOT BE THE ONLY PERSON THAT ConServe IS CALLING FOR NO REASON. PLEASE INVESTIGATE THIS COMPANY 'S BUSINESS PRACTICES. AND, PLEASE FIND OUT WHY THEY CALL ME, AND HAVE THE CALLS STOP, PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: GA
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/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report is inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit was decreased due to limited usage. This unfairly penalizes me for responsible usage and will negatively impact my credit score through no fault of my own. I spoke with a supervisor on XX/XX/2020, who informed me that they can not and will not reverse this decision. For a company to hold such sway over my credit score, without any negative action on my part, is not only unjust and unfair, it violates the terms we both agreed to when opening this account. Since I did nothing to warrant this action, I see no basis for the company to change the terms of our agreement and to adversely affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-09-27
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX received a notices from me and they have not responded to any request. 

XXXX XXXX XXXX has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus. 

XXXX XXXX is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

XXXX XXXX is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither Experian nor XXXX provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.

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 2023-02-27
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: Account information incorrect

Complaint:
per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all 3 credit reporting agencies. My XXXXXXXX XXXX  accounts have inaccurate information regarding a pass due status. lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
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:
SOMEONE STOLE MY IDENITY AND I NEED THIS ACCOUNT DELETED AND REMOVED FROM MY ACCOUNT

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 2020-09-27
Company: EQUIFAX, 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:
SOMEONE STOLE MY IDENITY AND I NEED THIS ACCOUNT DELETED AND REMOVED FROM MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to get the loan forgiveness program. I qualify and was told by my servicer that even though I have consolidated with them I would have to consolidate with another agency who was solely assuming the loan forgiveness responsibility. In order to do that I would have to sign in to the Federal /student Aid website and transfer my loan. I forgot my password and was unable to answer the security questions to gain access. The loans were taken out back in placed with my servicer back in XXXX. I no longer have the e-mail address or phone number I used to open the account. I sent a letter to Financial Aid informing them of my situation in XXXX XXXX to date I have not received any correspondence back from them and time is running out for the Loan forgiveness program. I am trying to understand why only one agency is responsible for this consolidation. There are thousands of applicants seeking this relief. As mentioned previously I have already consolidated with my current provider. Why can't they perform the application for the loan forgiveness?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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:
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 XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Frontline Asset Strategies, LLC
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has reported a debt to the credit bureaus that has previously been removed, I had requested documents supporting their claims but no documentation has been provided. Further more the collection agency has reported this debt without out contacting me and providing me an opportunity to dispute the claim prior to reporting as required by law. The collection agency is in violation of the fair credit act and is not operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company called EOS collections has contacted me on numerous accounts about a debt I do not believe I owe. I have asked on four separate occasions for them to either provide validation of debt or cease and desist all contact. They continue to call me as recently as this Friday XXXX. But refuse to mail a debt validation to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
When I review my credit report there are seems to be accounts that are misleading and needed verification for their erroneous reports. I already sent the necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. so kindly verify these accounts : XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: IL
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 2020-09-27
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have asked both XXXX and Elan Financial to remove these fraudulent inquires to no avail.

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 2023-07-26
Company: World Acceptance Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
World Finance receive the Court documents that this was discharge and they are still reporting charge off on my experian report i disputed this acct multi times and provided document i even ask for proof of acct and nothing i provided my documents and i spoken to both the creditor and wold finance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: MO
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:
After filing a dispute company listed same account twice to further hurt 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