BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from XXXX XXXX XXXX because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only Capital One credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a Capital One bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and Capital One, in which Capital One responded with a letter dated XX/XX/XXXX. 
In this letter Capital One states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the XXXX XXXX ( XXXX ) with the firm XXXX XXXX XXXX, XXXX on XX/XX/XXXX. This firm was previously called XXXX XXXX XXXX XXXX XXXX. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. Capital One also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XX/XX/XXXXwhich happened to be a secured Capital One credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from Capital One or XXXX XXXX XXXX regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2022-08-10
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My paypal account, under the email : XXXX, was wrongfully closed by paypal, and the funds never released, as they stated several times to me that they would be after 180 days. they stated that they were able to confirm I resided in XXXX  yet received unemployment from another state, this is NOT true. In 2019 I moved to XXXX, Massachusetts. Not to mention where I reside is not anyone who respresents paypals concern, and whether or not I qualified for pandemic unemployment assistance, is also NONE of paypals business, however for the sake of receiving my funds that paypal is wrongfully holding, I have provided the monetary determination from MA DUA. MA DUA deposited funds to my paypal account, which by the way is a FDIC insured account held at XXXX XXXX, and paypal suddenly decided to close my account, and keep the pandemic relief funds I desperately needed at the time of the pandemic, which further caused me a greater amount of financial, and emotional distress. I have provided my monetary determinations sent to me from MA DUA, in regards to whether or not these funds were " fraudulently obtained '', it shall clear up that false statement made by paypal, as it clearly shows the funds were mine, and that I resided in Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I moved out of XXXX XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, in XXXX of 2018, my lease expired in XXXX of 2018. I paid my full amount owed at the time I moved out of the property including pro-rated rent for the portion of XXXX I did not reside at the property to satisfy my lease. Please note I never had a late payment in my tenure as a resident at this rental property, ~XXXX years. My credit profile prior to this erroneous credit notification has been exemplary. 

XXXX XXXX never contacted me regarding a residual balance. Now 9 months later they have sent me to collection for a balance of {$100.00} with creditor Nation Credit Systems , Inc. XXXX XXXX XXXX, XXXX , GA XXXX, phone number XXXX. 

My credit profile should not be impacted due to XXXX XXXX in office book keeping deficiencies. I feel this is a malicious predatory business practice that is unfairly persecuting me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2023-01-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX - Account XXXX XXXX Equifax is reporting inaccurate information regarding the XXXX XXXX account number XXXX. Equifax is reporting the date of first delinquency as XX/XX/XXXX. Based on what Equifax is reporting regarding payments the date of fist delinquency should be XX/XX/XXXX. 

Equifax is reporting XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XX/XX/XXXX, NO Payment or past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XX/XX/XXXX and XX/XX/XXXX. 

Since there were no payments made from XX/XX/XXXX through XX/XX/XXXX. The date of first delinquency could not XXXX XX/XX/XXXX. There is no payment data prior to XX/XX/XXXX. Additionally, since Equifax is reporting XXXX XXXX past due in XX/XX/XXXX. It stands to reason that Equifax would be reporting XXXX XXXX or XXXX XXXX past due in XX/XX/XXXX. The date of first delinquency could be XX/XX/XXXX. It would have to be prior to XX/XX/XXXX. 

Despite my written requests, the unverified item listed below still remain on my credit report in violation of XXXX XXXX. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they verified that these items are being reported correctly. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Has added a negative item and it needs to be removed I do not owe anything to their company. Acct number XXXX for the amt {$1200.00} dates back to XX/XX/2018 please remove

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 2019-07-10
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:
Nobody will listen. I've complained and disputed this information several times. 
Please quit validating this INCORRECT information with Experian. 

XXXX is not reporting my history to Experian correctly. The other two bureaus are ok. 

1 : XXXX is reporting to Experian that I was current XX/XX/XXXX and XX/XX/XXXX. I WAS NOT CURRENT. 
No payment was made those months nor was I in forbearance or deferment. Refer to account history directly from XXXX ( attached ). 

2 : Because this account was negative when it was closed, XXXX needs to report a Date of Original Delinquency to Experian. Right now, the date Experian is using is XX/XX/XXXX. THIS IS NOT RIGHT. 
The date of original delinquency should be XX/XX/XXXX as evidenced in the account history directly from 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 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, Capital One, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07
Company: Firstsource Business Process Services, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company called me saying I owed a debt credit card company. I told them to cease and desist till I receive a depth validation letter. Finally received a letter from there with screenshots of my personal information of the credit card company. Basically a bill. I called them back not knowing that they were missing information at the validation part of the day saying that they own the debt. I didn't receive that information saying that they purchased at that. I found out later after talking with the rep telling me to set up a payment to remove the debt. Where I was coarse into putting my information to set up a payment to lock in saving rates on a debt to settle the debt. But the debt was charged off by the company years ago and I never received the collections. Now I feel like they're fringing on my legal rights by using underhanded tactics and ignorance to bind me an illegal agreement to make me pay this debt and once I cancel and tell them I don't want them pursue it. They're going to choose to take legal action against it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! 
Also its illegal to freeze a consumer account you have been put in notice

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The law of permission purpose XXXX XXXX XXXX ( a ) ( XXXX ) In accordance with the written instructions of the consumer reporting agency XXXX furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. This consent or authorization is given when submitting an application so they have to provide a contract or application. I did not give these companies any written consent, they can't provide me with a copy of my agreement, ID, signature or anything of the sort. This is a form of identity theft. These accounts are required by law XXXX stating that accounts resulting in identity theft must delete accounts in 4 days. 

Item : XXXX XXXX on dates XX/XX/XXXX, XX/XX/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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report 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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2023 I filed a dispute with the credit bureaus TransUnion, XXXX and XXXX for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.

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