BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
On XX/XX/XXXX a judgement was entered that Plaintiff ( s ) Capital One Bank take nothing for failure to comply with a court order/Docket Number XXXX , Trail Court of MA XXXX Department Civil Session. 
I recently tried to get this off of my credit via dispute but was unsuccessful. I called credit bureau/XXXX  on XX/XX/XXXX to have them explain why I could not have this removed seeing as I got a judgement of dismissal and sent in the paperwork. Person by the name of XXXX told me he sent documentation of court judgement to Capital One Bank and they refused claiming that I still owed the credit card debt. XXXX and I then called Capital One Bank dispute department together that same day and spoke to representativeXXXX ID # XXXX who claimed my debt was sold to a 3rd party/XXXX  XXXX XXXX, a law firm I have no documentation from. When I was summons to appear in court a few years ago it was from another law group named XXXX , XXXX XXXX XXXX , XXXX . who were representing Capital One regarding the debt I owed which was {$2500.00}. I have documentation from that law group with my account number to the Capital One card and the amount I owed but Capital One representatives are claiming they have no notes on this law firm and they can not explain to me why that law firm knew all of my information and took me to court regarding the account they are saying I still owe. 
I've spoken to other representatives of Capital One : XXXX ID # XXXX claimed I owed the debt and again claimed no information on law group/XXXX, XXXX XXXX XXXX, XXXX. is in their system. 
Most recent contact XXXX ID # XXXX FAX : XXXX Reference # XXXX on XX/XX/XXXX still claimed I owed money and that I should send them documentation but XXXX   already showed them court judgement and now I am not comfortable speaking with them any longer. 

I called XXXX XXXX XXXX to confirm their identity as I am worried about my information circulating and a person by the name of XXXX told me that he sees in their system that Capital One Bank sold my debt to XXXX , XXXX XXXX XXXX , XXXX . first but now they have it. This rep told me he can see that XXXX , XXXX XXXX XXXX , XXXX . were ''in the midst of something '' but now they have it claiming they possibly sold it before my court judgment and I am very confused how this is legal. This person also told me that Capital One Bank has reached out to them and told them to cease attempting to collect the debt until they do their own investigation. 
I filed with AGO today and am hoping to seek help from whomever can guide me on this. 
I'd also like to note I recently looked up XXXX , XXXX XXXX XXXX , XXXX . and it says they are not in business any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX BK OF AMERICA -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX   XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX   XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX BK OF AMERICA -- 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 explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-12-02
Company: EQUIFAX, 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:
I have inquired and sent letters with the credit companies to investigate and delete the account and reporting and they have failed to do so every month for the last year. I have no recollection of opening that account. I requested the original bill of sale which they have failed to provide on several occasions. I have sent dispute letters to both the credit companies and the loan company. 
Balance : {$9200.00} XXXX XXXX : {$17000.00} They are providing me with numbers but failed to provide with a copy of my signature and a copy of the original bill of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
I have disputed this account through the company and through previous complaints with the Consumer Finance Protection Bureau, with a collection from XXXX or XXXX. The collection is for the same payday loan. The collector agreed to delete this account due to inaccurate information. However when I dispute this same account to have it removed from my credit report Transunion refuses to remove it. I have proof of the account deletion and have had no problems with XXXX removing the account in a professional and timely manner. Ive had to dispute this same account multiple times with Transunion with no success on their end. Also all other creditors are showing this collector as XXXX XXXX, its only showing up as XXXX through transunion but it is still for the inaccurate loan from speedy cash.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-12-21
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: Information belongs to someone else

Complaint:
I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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 Reporting Act- XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-12-02
Company: EQUIFAX, INC.
State: CA
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:
After reviewing my Credit Report, I noticed several XXXX XXXX Inquiries on the report as follows. Please DELETE the XXXX Inquiries as soon as possible. 

XXXX XXXX XXXX / XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
My statement close date on XXXX of my cards is the XXXX of each month. XXXX and XXXX reflects the correct amount as of the statement close date. It's a normal practice that all loans report statement close dates and the amounts to the credit bureaus. 

Experian for some reason is not updating my statement close date. I've called the credit card company and they've said they supplied the information to experian. When i try to dispute the information online, I'm not allowed to do so with experian. I've even called experian and asked what the problem was. They said the card company never supplied the information to them. I asked how so when the other XXXX major bureaus is reporting the same statement close dates. 

The last time the statement was updated was all the way in XXXX. The XXXX statement never was updated with experian because i fell it'll show a significant reduction. That's the reason for the hesitation in applying it to my credit report i believe. I'm not asking for anything special. Just the regular applying what the statement close says on my actual statement for that month. It's almost XXXX and no XXXX update with experian. But XXXX and XXXX  has updated the 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 explanation
Consumer complaint received 2022-09-19
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan servicer is EdFinancial Services. I requested a refund of payments made during the pause on XX/XX/2022. I was informed that this would take 5 months. I followed up on XX/XX/2022 and was told again it would take between 150 and 180 days. I am concerned that my refunds and newly adjusted loan balances will not take place prior to the time I am able to request my forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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: Information belongs to someone else

Complaint:
Upon review of my credit file I recently reviewed a collection reported by XXXX  XXXX XXXX XXXX. Experian has allowed this erroneous collection to report to my credit file. 
In pursuant to the FCRA section609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Experian. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Experian consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX, TX 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 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have repeatedly tried to have XXXX, XXXX, and TransUnion remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2022-07-27
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was first notified that my information had been compromised in XX/XX/2021. I have notified the police, put an alert on my credit with all 3 bureaus and thought that I had resolved the fraudulent accounts opened with my information. In XXXX, I was notified of a collection item from a payday loan establishment in the amount of {$2900.00}. I disputed the item with XXXX and it was not resolved and removed. I am, again, trying to get this negative and fraudulent account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I attempted to link my PNC Bank checking account to the XXXX app. It would not let me due to a change PNC Bank had allegedly made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.

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 2020-08-05
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi there, thank you for your time in reviewing this complaint. Please excuse my memory with dates and times, I have XXXX and it makes it very tough. Around 2014 I got a job with " XXXX XXXX '' and when I hit 6 months I was able to get health insurance. I finally was able to go, and only went in 1 time for a XXXX, and showed my XXXX XXXX XXXX XXXX card. Only thing I can think of is that they didn't use my insurance card and just billed me?? Or that when taking my insurance card something was entered wrong?? Possibilities are endless. Also after having that job I moved to Oregon. Recently I looked up my credit and didn't know I had a collection. I will be buying a car for my new wife and newborn in XXXX. I've contacted as many people as I can and getting nowhere. The original creditor is XXXX XXXX XXXX, and now is in collection at XXXX XXXX XXXX, and looks like they reopened the claim. Please I beg that we can resolve this. I'm getting hit hard with XXXX and then this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received 2 different cards that state they are debit cards from US Bank Reliacard.

The papers with one references Ohio Unemployment. The papers with the other card references Colorado Unemployment. 

I have never been a resident of either state and I have never worked in either state. 
I did not request unemployment or any bank cards. 

I believe that both may have been issued fraudulently. 

I contacted the card issuer and they told me that they are cancelling the cards. 
They did confirm that they are both cards for collecting unemployment benefits. 

I told the representative that I believe that both were issued fraudulently, but they said that all they can do is just cancel them.

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 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank Of America sent me a letter saying someone opened up a credit card from them with the last four numbers XXXX or XXXX in my name, I had an old credit card with them last four numbers years ago and have since closed that account. Bank Of America sent me a letter with the name of the indivisible and sent me some papers to fill out, I guess hes taking cash from the card with a balance of XXXX and sending money to people, no money has come out of my account and I informed my bank about it. I hope you will report this to Credit Bureau and I told Bank Of America that I want this indivisible prosecuted to the fullest extent, thank you for your time.

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