BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXX {$3500.00} DEPTEDXXXXXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}

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 2021-06-01
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: Account information incorrect

Complaint:
Multiple disputes submitted pertaining to XXXX account and yet the account continues to report incorrectly. This account has already fallen off the other two credit bureau reports and should have already aged off of Experian as well but I do not feel they are looking in-depth into the account or contacting XXXX  about correct payment information or balances. This tradeline should no longer be reporting on my 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 2020-07-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not believe this will be resolved with the company and they are not taking actions against the employee. They have multiple complaints and lawsuits which looks like we will have to do as well. On XX/XX/28, I was called 4 times, the last 3 were from a number with my same area code from home where my family lives. I thought something had happened to them. I answered and a man who quickly ( before I could even hear him ) stated his name and that he worked for XXXX XXXX. I have never had a collections place call me and I pay everything on time so I thought it was a scam. I asked to provide more information and he would only say it was from an apartment complex I lived at 2 years ago. At this point I am thinking it is definitely a scam as he refused to answer any other questions and continued to threaten me, I tell him I am going to call the original debtor and he tells me to not do that and then rattles out my social security number, date of birth, and drivers license and asks me to confirm this info, I didnt know what to do. He then proceeded to tell me if he was a fraud, he would use my info and open up credit cards and just pay himself. The aggressiveness and the push to " give me your credit card info now '' led me to believe it was a scam especially since I knew I had no outstanding debt. I hung up on him and called the apartment complex who told me that they were getting calls all day long about this and there was an error. People that lived there in past years were sent incorrectly to this new collection agency. They reassured me they would fix it and sent me the attached ledger to let me know I owed nothing and I was ok to ignore the caller. Later that night XXXX XXXX calls again ( the same rep ) and he continued to harass me when I tried to explain what happened to him. He said that he was going to report it to the credit bureaus which would ruin my credit, He said they would take action against me. He then said I could mail the ledger to their PO box but that its better to just pay it because it would take a long time to resolve it and in that time it would go on my credit. My girlfriend picked up the phone and got aggressive back with him and he placed her on hold so she hung up on him. We called XXXX XXXX and I spoke to a manager named " XXXX XXXX '' who asked us to email him the ledger ( so apparently PO box isnt necessary ). But in my opinion the burden of proof is on them not me to prove to a company I never heard of that I dont owe anything to an apartment complex I moved out of 2 years ago. I got harassed for no reason and nothing is being done to the employee or the company for what I had to go through. My next step is legal action.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: FL
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 have tried to update my personal information with little success, Please help me do so and delete the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$1100.00} XXXX {$10000.00}

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 2023-09-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  federal student loan was sold to department of education XXXX but it still showing as a XXXX loan instead of Department of education 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 2023-05-30
Company: Experian Information Solutions Inc.
State: KS
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 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 2023-05-30
Company: Absolute Resolutions Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Thaxton Investment Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account. 

Back in XXXX, XXXX XXXX, agreed to settle my debt and remove the account from my credit reports. As of today, they account has not been deleted and remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
There is an account in my report that is causing my scores to drop. It is reported inaccurately and I want it removed for violation of FCRA.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the 2nd Time that I have complained on the 3 major credit bureaus Experian, XXXX, and XXXX. I've submitted the inaccurate information that continue to harm my credit score as well as chances of becoming a first time home buyer because the credit bureaus are allowed to ignore the ( FCRA ) and the laws In place to protect the consumers from exactly what's happening right now and according to 15 U.S.C. 1681 et seq.

The nations three largest credit reporting agencies XXXX, Experian and XXXX are required by law to do everything in their power to accurately gather and report consumer information. 

XXXX XXXX  -ACCOUNT # XXXX ACCOUNT TYPE- EXPERIAN ( XXXX ) XXXX  ( N/A ) XXXX ( OPEN ) ACCOUNT STATUS-EXPERIAN ( CLOSED ) XXXX ( N/A ) XXXX ( OPEN ) XXXX XXXX XXXX- ACCOUNT # XXXX ACCOUNT STATUS-EXPERIAN ( CLOSED ) XXXX ( OPEN ) XXXX ( OPEN ) XXXX XXXX XXXX-ACCOUNT # XXXX ACCOUNT TYPE- EXPERIAN ( INSTALLMENT ). XXXX ( INTALLMENT ) XXXX ( OPEN ) XXXX XXXX DATE OPENED XXXX ALMOST 3MONTHS OVER ALLOWED LEGAL TIME XXXX ACCOUT # XXXX NO BALANCE NO PAST DUE

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 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is committing fraud on an account. I reported the account to the credit bureaus, XXXX  deleted the account due to the fraudulent activity going on with the account. Capital One is now damaging my credit files ( XXXX  and XXXX ) because the company claims the account is restricted but open for payment. I've sent in the information numerous times the company asked for and the representatives continuously told me the information isn't being read correctly in the system. I need this business account removed due to the fraudulent claims made by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/22 I contacted Bank of America to dispute a charge. I received an incorrect order from the merchant. I contacted the merchant to let them know they sent me the wrong order along with photos. The merchant said that they would " look into it and get back to me as soon as possible. '' But they never did. After one week, I emailed the merchant to get a status update on their resolution but they didn't respond to my email. for 4 days. So I decided to call the bank to dispute the charge.

The bank of America representative denied my request to dispute the charge until I " send back incorrect merchandise ''. I told the representative that 1 ) I haven't been asked to send back the incorrect merchandise because no one is responding to my emails 2 ) I am not paying to send something I didn't order and 3 ) I still have the right to dispute the charge because I DID not receive my order. The Bank of America representative continued to deny my request and told me to call the merchant instead of emailing them to try and resolve the issue.

I then I asked to speak to a supervisor. The Bank representative got upset as evidenced by her attitude and loud sighs. she then put the phone on a silent hold for 27 minutes. I hung up the phone and called the bank back for a second time.

The bank of America representative documented what happened in the previous call and transferred me to their supervisor. I was on hold listening to music for about 4-5 minutes, and then the line picked up. I thought someone was going to say hello but then it hung up immediately. 

Bank of America is not allowing me to speak to a supervisor and the representatives are not taking the correct actions to address this issue.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2018-06-19
Company: Carolina Finance, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has garnished my wages multiple times over the years they have collected over {$8000.00} and the balance has not moved. I have attempted to work with the company regarding my balance and they refuse to give me any information regarding how they came to my balance or why the money that is being garnished from my check is not impacting the balance at all. I am unable to verify the debt as the company refuses to give me any information and I was not made aware I owed the debt from the original creditor. If the original creditor had informed me that this debt was owed i would have made arrangements. I believe that the original finance company finances cars in hopes that people can not repay and they can collect in excess of the value of the car. I believe this because the original creditor refused to let me get current. I lost my job and fell behind on the car. When I called and tried to get current the original finance company told me my only option was repossession. I worked with them to pick the car up and I never heard from them again. The next thing I know I am being sued by XXXX XXXX on behalf of their client, XXXX XXXX ( the original creditor ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported 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 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
when to a dealerships to purchase a vehicle, i had no idea that my credit will be run buy multiple of lenders. left me with multiple hard inquiries. 

XXXX XXXX XXXX XXXXXXXX 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 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 2023-05-30
Company: Avant Holding Company, Inc.
State: NC
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:
Avant- missed payment on XXXX XXXX. Closed account months ago and still accumulating fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
XXXX  customer services rep was unwilling to help me receive check for a credit balance in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Emailed as well as called XXXX portfolio company. I was told by representatives my last payment would be in XX/XX/. My bill still have a XXXX balance after 72 months of payments. Totally unfair and deceptive practices towards me, including failing to properly disclose interest rates and fees, misrepresenting the total cost of loans, and engaging in illegal debt collection practices.

Company response to consumer: Closed with explanation