BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: WA
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 value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA 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 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 2023-11-21
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX sent me a {$500.00} XXXX payment on XX/XX/19 via my e-mail address. I am attesting that yes, this was the correct way to send the funds to my Capitol One account through XXXX. She made a mistake thinking the funds should have went through my phone number. She called Capitol One. She Called XXXX. Then made a cfpb complaint : # XXXX that was denied. 

This was NOT her mistake. The e-mail address she used that is intended for the said recipient : XXXX XXXX, should have immediately sent the {$500.00} to my Capitol One account. 

Capitol One and/or XXXX, sent the funds to WRONG bank account of XXXX XXXX. Which therefore means that the funds should be correctly placed into my Capitol One account, NOT XXXX XXXX 's account. 

As you can clearly see in previous transactions, the only transfers made from XXXX XXXX 's Capitol One Account to the XXXX XXXX are for XXXX XXXX only. There are NOT transfers to a XXXX XXXX in transaction history. 

This should have been a red flag to Capitol One and/or XXXX that this is clearly the wrong account they sent the money to. Basic investigation XXXX. 

Please contact me for any additional information needed to substantiate this claim as true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.

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: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writting to report multiple violations to my rights as a consumer. The account information : The Bureaus INC : XXXX, original balance {$9800.00}. 

The Bureaus Inc has committed multiple violations : 1. Re-aging account : Account has been re-aged for sure, went to collection in XXXX and. showing fall off year of XXXX, meaning 7 year started from when the item was given to collection and not original charge-off date Unfair business practices. 
2. Incorrect last activity date.

3. Incorrect last payment date.

4. Breach of contract 5. Negligence I am demanding a deletion letter, this item must be removed from my report. 

This situation is overwhelming for me. I cant wait too long to get this matter solved. Please send me a response asap. 

CFPB : Please send the attached documents to the company. 

Thank you very much.

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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are incorrect and/or have errors that need to be corrected : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off AccounXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Latepayment Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account The aforementioned accounts contain errors and are not accurately reflected on my credit report. I am requesting that you investigate these items and remove any inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. If there are any inaccuracies or errors on my credit report, it is my right to dispute these items and have them corrected or removed. 

I have attached documentation to support my claim, including proof of payments, correspondence, and receipts. I ask that you investigate these accounts in a timely manner and provide me with a written response of your findings. 

These inaccuracies have caused me great emotional distress, as I have worked hard to maintain a good credit score. I urge you to correct these items as soon as possible so that I can continue to pursue my financial goals and dreams. 

Thank you for your attention to this matter. 

Sincerely, 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 2020-06-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been using this account for a few years and always made my payments on time but until my wife had health issues I would contact the company and paid immediately after due date to include paid late fees. This account never went past 30 days. The letter identified my open accounts and based on my credit score. My concern is until all credit reporting disputes are investigated and completed from all three credit bureaus an account with a good customer should not be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
XXXX XXXX 2022, 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681 C.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Capital One I received a notices in the mail about two accounts reporting on my credit reports from XXXX, XXXX, and XXXX for accounts ending in XXXX ending in XXXX Do you Capital One have ownership of these two accounts stated above? 
Did you sell the accounts to a debt collector? 

For the record, it says on my credit reports that both accounts are charged off Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CURO Intermediate Holdings
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a pay day loan on more than one occasion from Speedy Cash. The Original amount was always XXXX or maybe even XXXX.I think the flat fee was {$100.00} at most. I would have never taken the payday loan otherwise. I missed one payment and now they are charging {$920.00} in interest in addition to the principal. I never signed for an interest loan and even attempted to call and settle on 2 occasions once for {$800.00} and the last time for {$900.00} to no avail even when notified that I have begun to prepare for Chapter XXXX bankruptcy proceedings and that I rather pay now than over a 3-5 year period. I do not think the usury rate of interest their charging is a contractual obligation. In fact the interest is more than the loan itself. I am willing to pay the original loan amount with a reasonable fee but if they insist on trying to defame my character by representing to the credit bureaus that my balance is higher than what it is and refusing to take a payoff is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've reached out to XXXX several times about the information they are reporting to the credit reporting agencies after I've disputed the accuracy of the information that the agencies are showing on my credit reports. Because every time, XXXX, XXXX, and Transunion are stating that they have verified the information with XXXX, however, XXXX is stating otherwise. So if I do not owe XXXX and they are not attempting to collect anything from me, why are the Credit Reporting Agencies are reporting such inaccurate information.

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 2023-03-06
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 reporting act the list of accounts below has violated my federal practice consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U S C 1681 section602 A states that I have a right to privacy.

15U S C 1681 section 604 A section 2 it also reports the consumer reporting agency can not furnish account without my written instructions. 
15 USC 1681c ( A*5 ) section steaks no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U S C 1681s-2 ( A*1 ) A person shall not furnish any information relating to a c Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023, I responded to Synchrony Bank 's letter for a request they made to me to supply additional information for a Lowes Advantage card. The Lowes ad states no effect on credit rating. There was no effect on my credit rating until today after I refused to comply with their request to send them a video of myself. Apparently, the representative took offense to my not wanting to do a video, and after I told her to discard the application and after I discontinued the contact, she did a HARD pull with XXXX XXXX which resulted in my credit score going down XXXX points. I have several requests, I want to file a complaint with both the federal and state against the Bank, but to whom do I fill with? Second, can I file a lawsuit in small claims court? This is both malishish and resulted in the lowering of my credit standing. I am available to provide additional information 24/7 as I am XXXX I intend to contact the Bank later today and file a complaint with them seeking a correction and compensation for the loss of my time rectifying their error.

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