BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
This complaint involves XXXX, XXXX XXXXXXXX, and Capital One. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to Capital One. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of Capital One logo, and the automatic payments that I had set up at XXXX XXXX did not transfer to Capital One. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to Capital One describing the issue and requesting to have the late payments removed from my credit history. Capital One responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent XXXX XXXX a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.

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 2023-08-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
REFERENCE TO PREVIOUS REPORT # XXXX - EQUIFAX DID NOT FOLLOW THE LAW AND DID NOT PERFORM A THOROUGH INVESTIGATION. XXXX XXXX WAS NOTIFIED BY ME IN WRITING ( DOCUMENT ALREADY PROVIDED AS PROOF ), A REP FROM XXXX, WITHOUT MY AUTHORIZATION, CHANGED MY ACCOUNT DETAILS, RESULTING IN A LARGE CHARGE, CONSISTS OF FEES THAT WERE NOT DISCLOSED AND PLACING ME ON A PLAN I DID NOT AUTHORIZE. XXXX HAS RECORDINGS OF ALL MY CONVERSATIONS, INCLUDING A COUPLE WHERE YOU CAN HEAR ME ACCUSE XXXX. THE REP AT XXXX I HAVE BEEN COMMUNICATING WITH CLEARLY IS INVOLVED IN A COVER-UP. XXXX, MISLEAD ME AND CAUSED CHARGES THAT RESULTED IN XXXX OF DOLLARS. I AM SURE THERE ARE MANY CUSTOMERS WHO HAVE EXPERIENCES THE " SCAM ''. 

WHERE IS CFPD? I THOUGHT YOU ASSIST WITH COMPLAINTS LIKE THIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: MCU Holdings, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Management Capital United Holdings called me several times, they said my name and address and said they had my social security number ( when i XXXX them nothing shows up ) they called my place of employment and a relative. Ive never received a letter from this collection agency so i don't know any amounts or the original company. They've called five times this month and said they would press charges against me to the fullest extent of the law and I needed to govern myself appropriately. Ive tried calling them back but when I called I got an answering machine with NO company 's name until I followed the prompts and I got a voice mail again. They said my account has reached escalation and will be sending papers to my home in 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 2019-09-19
Company: Home Loan Center, Inc.
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has been hounding me for ages, and it reached a point where they claim I have a debt. I am not sure when this dates back to, the earliest email I still have from them dates back to XX/XX/XXXX, which is a welcome email, but it feels longer, and I may have deleted prior emails. It reached a point where they state I had eight unconfirmed accounts and emails that I had a {$2200.00} Credit Card debt ( XX/XX/XXXX ). A strange email arrived in XX/XX/XXXX congratulating me for paying off my loan, but was soon followed by more claims that I still had the same debt. My attempts at unsubscribing from what I first assumed was spam, were impossible. Their site always gives an error every time I try, and the only email I managed to send ( XXXX ) was unanswered. 

Yes, this could be an attempt of identity theft, but unlikely, because it is not well done. For a start, they use my name XXXX. XXXX is my middle name, one that I use on a day-to-day basis, but not on anything official. Anything official, such as credit cards, would use my first name, which I am reluctant to write here at risk of increasing my exposure. Some years ago, after the XXXX depression, through to about XXXX, maybe, I was seriously interested in buying a house on the low market, and made contact with numerous brokers, through the XXXX app. I over-analyzed and missed the boar, and gave up the idea, never going beyond inquiries. In those contacts, I would probably have signed as XXXX, and my details may have then somehow reached XXXX through some unprofessional broker. 

The thing is : I do not live in the US, never have. I have traveled there on several occasions. I have never incurred any debt that I am aware of. If I owed traffic fines or car rental companies, the debts would be small, and would come under my first name because that is the name on my credit card. 

My email is being passed on to others, without regard for privacy. Today I received emails from two firms offering to help with my so called debt, XXXX XXXX and Upgrade. I have written back to both, asking them to stop. XXXX XXXX webpage is inaccessible, gives an error page. 

I attach several relevant screen shots of some of the emails received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following information does not belong to me, I 'am a victim of identity theft.

Reason Code : This account is not mine and is a fraud. Please delete it from my report.

Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm your original signature by the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately.

Provide a detailed log of dates and times of attempts to contact our client, and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the aforementioned fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, under the FC RA 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) Verification of signed Invoice.

c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( XXXX ) seek the removal of the aforementioned account. And if the accounts are not removed within five days of receipt we shall seek a reasonable settlement offer for {$25000.00} in consideration of the financial loss and distress our client has suffered because you failed to comply with the FCRA statutes. You shall pay on XX/XX/2023, the sum demanded if the accounts listed above are not removed by XX/XX/2023.

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 2023-01-25
Company: EQUIFAX, INC.
State: VA
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:
In XXXX I disputed online with all 3 CRA that XXXX XXXX was violating my rights by reporting the car loan as 120 - 150 days late. When XXXX hit my daughter called XXXX XXXX to see if they had a program to assist with payments. I am joint owner of vehicle so its on both of our credit reports. I listened in on the call and my daughter was told they would accept half payments each month and would not report our account as late. Payments were made as best as possible being that she wasnt working not getting consistent Unemployment benefits and I was considered an Essential Employee and my pay had to take care of XXXX adults and XXXX kids.Once XXXX  rules were relaxed they immediately reported the payments they agreed to as late and put that on our credit report every month bringing our scores down further and further. The 3 CRA said they verified it as accurate. I dont think these big companies should be able to take advantage of regular old working folks and renige on an agreement and give you no fighting chance. 
I filed my disputes online so I cant upload anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have not provided proper disclosures or the option to opt out of sharing my information. I have not received any benefits from these transactions. I suspect that my identity has been stolen, and I request that you immediately block, delete, and remove the shared information from my consumer report, as outlined in 18 U.S. Code 1028A. Furthermore, according to section 602 A of the 15 USC 1681, I am entitled to privacy rights. In addition, section 604 A, subsection 2 of the 15 USC 1681 states that a consumer reporting agency can not disclose an account without my written instructions. According to section 1681c ( a ) ( 5 ) of the 15 U.S.C., no consumer reporting agency is allowed to include certain types of adverse information in a consumer report, unless they pertain to records of crimes that occurred more than seven years prior to the report. Finally, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for anyone to provide inaccurate consumer information to a consumer reporting agency if they know or have 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 2022-11-06
Company: EQUIFAX, INC.
State: AR
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 act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years.

15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022 PNC banks associates did a unauthorized use on my credit card violations statue 15 USC 1602 15 USC 1601

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So, I sent you guys a letter two weeks ago and still haven't heard anything back. You guys are reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX requested a hard copy of my credit report without my authorization. 
Based on their privacy notice they must request a hard credit inquiry and based on the noticed I received from Experian is that they received a hard copy of my credit report. This had a negative effect on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. I am asking that the credit reporting agencies EXPERIAN, XXXX, and XXXX conduct an investigation into inquiries that I believe to be incorrect on my credit report due to fraudulent activity or a data breach. I have heard of companies pulling peoples credit without permissible purpose. I will list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter or remove the following unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( reported twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2022 2022

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 2023-11-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ATTN : CFPB I need you to engage in enforcement action on my behalf against Experian. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Experian accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Experian. I've attached proof that USPS delivered and signatures upon receipt. 
Experian : XX/XX/XXXX, XXXX XXXX I've contacted Experian. I received an email that they don't believe bankruptcy can be considered identity theft. I've attached that unprofessional email. XXXX and XXXX have deleted the bankruptcy. All my documents have been notarized. 


XXXX accounts on my Experian credit file : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-06
Company: Experian Information Solutions Inc.
State: TX
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 is reporting negative items from XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.

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 2019-09-19
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/19 purchased a washer and dryer from Best Buy using a " promotional period of 18 months ''. They did not explain that the payments I would be making would not be directed toward the promotional balance until after I noticed that none of my payments were being directed to that balance. Apparently, because they raised my limit in order to purchase these items, they made my minimum payment over {$1000.00} and until that payment was reduced none of the payments were credited to the promotional balance. The purchased items totaled almost {$1700.00}. Since the purchase date, XX/XX/2019, I have made {$1300.00} in payments with none of these payments directed toward the promotional balance. I feel these promotional advertisements are VERY misleading. They lure you in with the promise of no interest for 18 months on a purchase without informing you at the time of purchase how that " promotion '' actually works. I have noticed several complaints concerning the same issue over the past few months. I wish I had been diligent enough to do my homework concerning this " advertisement '' before I made the purchase. However, I believe this is an unfair practice on their part by not informing the consumer before the purchase is made how the " promotional balance '' is paid ( or not paid ).

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