BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There is an auto loan on my account that was with Capital One Auto Finance. It was included in my now discharged XXXX XXXX bankruptcy, surrendered to a third party, my ex husband. Capital One Auto Finance did not file a reaffirmation agreement with the court. The ex husband made a separate agreement with Capital One Auto Finance to pay off the vehicle and has been paying it, in fact paying it off this month. Capital One Auto Finance continues to reflect this negative reporting on my credit, I have disputed with XXXX 4 times and Capital One Auto Finance XXXX time. I have also an open dispute with XXXX as it appears they reported it accurately in XXXX but Capital One Auto Finance reported it again negatively in XXXX. It is shown accurately on XXXX reporting " included in bankruptcy ''. I will continue to fight this until the two credit bureaus show it accurately as " included in bankruptcy '' as Capital One Auto Finance is being deceptive and lying in that they have a separate payment arrangement made with my ex husband, that has nothing to do with me as surrendered the vehicle in 2017. This is wrong, and it is damaging to my credit reporting preventing me from being able to obtain financing on a new home. As a single hard working mom, I will always fight for what is right to defend my home, my son and our livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a credit card with the original creditor, XXXX XXXX XXXX, and enjoyed their services for over 3 years. Around XX/XX/XXXX, there was almost {$1000.00} in fraudulent charges made on my card in just a few days. My balance went from around {$600.00} to {$1600.00}. At the same time, XXXX XXXX had a separate credit card opened in my name that I never knew about. It was opened, maxed out and closed without ever making a payment. When I reached out to XXXX XXXX to resolve the issues, they refused to remove the charges and the additional credit card from my account. I wanted to continue using my credit card and their services but wanted the fraudulent charges and credit card removed. After going back and forth with XXXX XXXX for several months, they closed my account and reported it on my credit. I disputed the charges in writing with all 3 major credit bureaus at the time, around XX/XX/XXXX, as well as submitting online disputes. My disputes were ignored in favor of the creditor. The debt was sold to Midland Funding who promptly began contacting me and hitting my credit almost every month with late payments. I tried repeatedly to explain what happened and let them know that I wanted it resolved. I was served with court papers around XX/XX/XXXXXX/XX/XXXX from Midland Funding. After they lost the court case for failure to appear, I contacted the attorney 's office representing Midland Funding who said my case was no longer on their desk and is solely with Midland funding. I contacted Midland to try and have the debt removed and finally resolved since it had already been to court. But they refused to remove the debt and continued to harass me for payment. They are continuing to negatively impact my credit every month and this has been going on for 3 years. I have 4 negative accounts on my credit all from one creditor, from one bank in my life. I have 2 negative accounts from XXXX XXXX and two negative accounts from Midland and XXXX XXXX all for the same account. It should be illegal for collection agencies and shady creditors to financially ruin you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: SYNCHRONY FINANCIAL
State: IN
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 a hard inquiry on my credit report from XX/XX/XXXX from XXXX in XXXX, Florida. that I did not authorize nor am I a customer of this bank. This inquiry shows up only on one credit bureau ( XXXX ) they will not help me. I called on XX/XX/XXXX and again on XX/XX/XXXX XXXX   they told me I would have to call and make a police report because they will not send me a letter head stating they ran my credit because I am not a customer. How is this even fair? 

Then when I call XXXX on XX/XX/XXXX they tell me i need a report from the bank and myself. I can not get the report from the bank. No one is helping me resolve this issue. Could someone please help in this matter?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-23
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
For 20 years I held a free checking account at XXXX XXXX XXXX. Over that time I never accrued any fees of any kind. 

I moved away with an XXXX XXXX assignment a long time ago and since forgot about the account where it continued to never accrue any fee or charge of any kind. 

First Interstate Bank acquired XXXX XXXX XX/XX/2022. 

Without my knowledge and without any contact, the account held there immediately started accruing completely arbitrary and predatory {$25.00} fees for various reasons and now there is over {$230.00} in overdue charges. I only just learned about this because of a recent credit check I ran. 

Since I'm not in the area, I can not attend to this in person and there doesn't seem to be a way to remedy this amicably or close my account in an easy manner as I wish. 

Now they posted an 30 day overdue account to my credit report and my flawless credit took a XXXX point hit, all because they want to apply random fees and charges that were never part of my original account -- terms that I never agreed to nor was even made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete 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 non-monetary relief
Consumer complaint received 2023-06-23
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:
HI 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 WRITTE
N 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 explanation
Consumer complaint received 2023-06-23
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously got into fixing my credit on my own and I sent a debt validation to this debt collector, and they never reached out or contacted me in any way to show me any proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federaXXXX XXXX XXXX XXXX. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have XXXX hours to remove it. I want to be notified when its done..

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2020-04-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They are stating I have missed payments across a few lenders which is incorrect I have provided proof of on-time payments to each lender specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The report lists a residence of : XXXX XXXX XXXX, XXXX, FL XXXX. I never have lived there. 

It lists XXXX XXXX XXXX and his address, XXXX XXXX XXXX, XXXX, TX XXXX as me and my address. He is my brother ; his information should not show up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly examine the attached documents, and I urge the bureau to initiate an investigation into these accounts, as I have never been behind on payments, but they are incorrectly indicating that I am late.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: MS
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 am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint 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 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 2020-04-13
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Regarding : Comenity Bank - XXXX XXXX credit card account ending in XXXX Subject : Incorrect Credit Bureau Reporting for XX/XX/2019 Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Texas XXXX Phone Number : ( XXXX ) XXXX Account information dispute : This one late payment ( I believe it was a combination of being a day late and processed untimely by Comenity Bank per their admission hence the late fee reimbursement that month ) is the only blemish on my otherwise perfect credit history and is causing problems with my current mortgage refinance. I placed numerous courtesy requests with the Comenity Bank Customer Care Team to reconsider this negative reporting for XX/XX/2019. I truly believe they refuse to do their due diligence to see why they reported this payment as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
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: Account information incorrect

Complaint:
1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

Account name : XXXXXXXX XXXX Account number # XXXX has violated numerous codes inaccurate dates, balances and account types I will be uploading pictures underneath i demand a investigation and need this to be deleted off my credit report immediately due to violating section XXXX because it is incorrect or unverifiable.

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 2020-04-13
Company: M&T BANK CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Am Trying to Open a Credit Card Account With M & T BANK And For Some Reason My Credit Card Application Was Place On HOLD And Additional Information Needs to Be Verify There where 3 Inquiry On My XXXX and XXXX and XXXX And My Credit Card Application Is Still On HOLD And Every time I Contact : XXXX I Give My Credit Refrence Number : XXXX to the Agent at the XXXX and They Tell Me that My Application is Being Handle By a Person For Further Review and this Person Who is Reviewing My Credit Card Application Has Not Call Me or Contact me Plus a Message was Given to the Agent and the Person Who is In Charge of My Account From M & T BANK HAS NOT CALL ME YET And I want to know if I was Approved or not For The Credit Card and What Happen..

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 2019-06-21
Company: EQUIFAX, INC.
State: ID
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 puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX XXXX XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to work with Citizens Bank for well over a year to resolve XXXX fraudulent lines of credit that were opened in my name. I have called numerous times and I keep getting told that they will send me a fraud packet, but I never receive anything. I have filed a police report and sent them everything they have asked for, but no one ever gets back to me. This has negatively affected my line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Crow Creek Sioux Tribe
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This organization is owned by the Wahido XXXX XXXX located in XXXX XXXX and is listed as Wahido Lending DBA River Valley Loans. This organization needs to be closed down due to the unreasonably high interest rate charged for these loans. 

I took the loan out and have been paying up to XXXX x the loan amount since it was an urgent situation I take a short term loan. 

I took this loan out on XX/XX/22 in the amount they transferred into my account {$1200.00} Since then - a payment of {$320.00} has been paid XXXX XXXX XXXX XXXX for a total of {$2500.00} has been paid toward this predator loan company. On XX/XX/XXXX I negotiated a settlement amount of {$970.00} to be paid on XX/XX/22 in which this was agreed upon to stop this group from taking any more funds from my bank account. 

I asked for a final payout to stop there pulling the payback amount from my bank account. We did a settlement, and this was paid in full on XX/XX/22 in the amount of {$970.00}. 

Today I received an email from Wahido Lending DBA River Valley Loans with a Notice of Delinquent Account. I responded back saying this has been paid in full. 

This XXXX XXXX predator loan group needs to be closed down so other people will not be taken advantage of.

Company response to consumer: Closed with explanation