BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
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 ran my credit today and i saw i had 2 collections for the same amount of money with 2 different names. so i know this is not legal. how can 2 different debt collectors put a collection on my credit report which is not mine. 

here is the info reporting on my credit report, XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$3100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes this account information Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$3100.00} Account Type : -- -- Collection as you can see this collection is not on my XXXX or XXXX . this company is doing fraud. 
here is the other name XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$3100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes this account information Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$3100.00} Account Type : -- -- Collection Payment Frequency : -- -- - as you can see they are reporting the account twice on my credit which is damaging my credit score. i would like both of these accounts removed from my credit report also i would like a check mailed to my home for {$10000.00} dollars or else im gon na sue in federal court. my address is XXXX XXXX XXXX XXXX, ca XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt with XXXX XXXX XXXX XXXX has be re aged. Account was opened in XX/XX/XXXX is showing opened on XX/XX/XXXX. Account was not validated and should be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Please read attachments from FTC report for more detailed information : I hope this correspondence finds you well. I am writing to bring to your attention a critical matter concerning my credit report. It has come to my attention that there is information on my credit report that has resulted from an unfortunate incident of identity theft. I have not provided any written permissions or instructions for the identified transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be reported on my consumer report. Hence, I kindly request your prompt assistance in blocking and deleting the reporting of this unauthorized information. 

I want to emphasize that my request to block this information is not being made in error, nor is it based on any material misrepresentation of fact on my part that is relevant to blocking the identified transactions. It is crucial to note that the identified transactions do not pertain to any transaction made by me as the consumer. 

As an esteemed credit reporting agency, I trust that Experian understands the gravity of identity theft and the potential repercussions it can have on an individual 's financial well-being and reputation. I kindly request your immediate attention to this matter to rectify the inaccuracies on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: IN
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
A collection company illegally notified all 3 crdit reporting agencies that I owed a debt. I submitted a dispute to all 3 credit reporting agencies in regards to this matter. The other 2 agencies ( XXXX  + XXXX ) removed the information from my credit file. Tranunion, even though they said I was correct, and they were supposed to remove the information from my credit file, IS STILL SHOWING THE DEROGATORY INFORMATION THE COLLECTION AGENCY REPORTED TO THEM TWICE AGAINST ME. THEY STILL HAVE NOT REMOVED THE INFORMATION! I have tried to get them to remove the information, but as of today it is still on my credit file with them.

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 2023-10-11
Company: Mercedes Benz Financial Services
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/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: CORELOGIC INC
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:
Don't know who Credco, or CoreLogic is, nor have, or did I sign, any agreement, or authorization, or verbally authorize for them to run my credit on XX/XX/2019! Nor can they provide any type of documentation stating so.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: MA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: LEXISNEXIS
State: TN
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:
Lexis Nexis sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX XXXX XXXX XXXX XXXX. If you guys can not provide proper oversight I will be force to sue the three bureaus and Lexis Nexis in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with LexisNexis due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
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: Old information reappears or never goes away

Complaint:
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and Experian. XXXX ref # 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 non-monetary relief
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was one of the victims that bank of america took money from. Frozen my account then re opened it with a XXXX balance. havent even even got what is close to the ampunt owed to me from XXXX til now still waiting.

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 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America opened a checking account using my name address possible social security. Without my authorization or consent. Received multiple letters on the mail including a debit card.

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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I originally called at the beginning of XXXX to do a settlement plan of {$720.00}, scheduled the XXXX, XXXX, and the XXXX. The first initial call the person on the phone said the first payment went through, but the other two weren't pending yet. She said to call back in a few days to verify everything was ok. I called back and they said it should still go through in a couple of days. Eventually it hit the XXXX of XXXX and neither the second or third payments went through. I called XX/XX/XXXX to inquire, but they said the card was in the process of being charged off so they couldn't touch it. I called again XX/XX/XXXX and the agent said both the second and third payments were cancelled. She said since it wasn't on Capital One 's end they couldn't do anything about it, so the card has to be charged off. I never cancelled the payments but I feel like it was negligence on the first agent/ they were the ones who failed to schedule them correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, Recently I made a purchase, using my linked Capital One Platinum Credit Card, via XXXX to a Seller in XXXX. The Seller was charged approx. {$50.00} USD for the transaction. I was then charged a {$30.00} Cash Advance Fee & {$4.00} in interst charges in conjunction with the Cash Advance Fee. The transaction was also listed as a Cash Advance, which lead to a higher interest rate. i was never notified of these charges, prior to the transaction. I have used this same Credit Card through a linked account with Paypal & never had the transaction charged as a Cash Advance. I would ask Capital One please refund the {$30.00} Cash Advance Fee, {$4.00} Cash Advance Interest & have the transaction listed as a Purchase, rather than a Cash Advance. Thank You. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello and thank you for taking the time to help me. My name is XXXX XXXX and I was a loyal Citibank customer for approximately three years. However, on XX/XX/20 all of that would change. While out dining with my XXXX on my XXXX XXXX XXXX upon completion of the meal I was informed that my card was declined. I was so shocked and embarrassed and did not understand why. I called and spoke to several representatives that asked for information on a loan that I had taken out. I have never been so humiliated in my entire life. I had to get someone to pay for our meal. The following day, I called Citibank to provide the requested information and they still had my card blocked. I submitted all of my documents repeatedly even having the branch manager submit my documents on my behalf. After many, many phone calls and visits to the Citibank branch, I was informed that my account was closed. Closed? I could not understand why/? I could also not understand why I was told this 2 months later! I was told that I would receive the balance on my checking and savings account in the form of a cashiers check. Well, here it is..XX/XX/20 yes XXXX XXXX and I STILL have yet to receive my funds, tears are streaming down my face as I write this. I have even wrote the corporate office and have yet to receive ANYTHING! i am praying that you are able to help me. I am so angry, hurt and upset. What a XXXX XXXX XXXX XXXX bank. I have not had ANY access to my checking or savings accounts in over 3 months! Can you imagine how difficult of a time that I have been having because of this? Im so devastated. Please help me, Thank you for your time Checking Account # XXXX {$22000.00} Savings Account # XXXX {$230.00}

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 2023-07-26
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXXXXXXr account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX, account # XXXX. 

15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnisha account without my written instructions.

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 2020-09-26
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have made timely payments to Wells Fargo on a monthly basis since XXXX of 2020 without being late. They still have me as delinquent and this has negatively effected my credit score.

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 2023-04-17
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a credit card with fortiva, which was to be user for XXXX 's XXXX store and I had about a year to pay off the purchase amount or there would be added interest on my store credit card. I obviously did not want to pay the added interest so I did my best to pay the fortiva credit card balance off in full before the interest was added on. I had gotten sick with XXXX  XXXX me and my whole family got sick and I missed work and was just trying to survive once I became well I noticed I had missed my last payment with fortiva which would have cleared my full balance I tried calling them to explain that I literally only had one payment left and I pay all of my bills on time and to please waive the interest over the one last payment I didn't get on time. They refused to work with me and added almost XXXX dollars on in interest and late fees. I am not paying over XXXX dollars just because I missed one payment that was not on time most credit card companies will work with me but not this one. I already paid the full balance off for my purchase the whole XXXX dollars is just them being greedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation