BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted each Bureau by telephone and thru Certified mail to assist in the accurate reporting of data on my credit file. There's an account being reported on my credit file of a Past Due balance in the amount of {$15000.00} owed to XXXX XXXX which, is a charged off account. I asked countless times for them to correct the error in reporting the past due balance but, in response to my phone call i only got an updated report with the same information reporting on my credit file and with a note saying, '' Consumer disagrees with dispute resolution ''. 
I also pointed out how each bureau was showing a different active date for this account after the account was supposed to be verified as accurate.I humbly told them that they should be reporting accurate and verified information on my file and anything else would be a violation of the Fair Credit Reporting Act However, they continue to furnish this 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 2020-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Credit Card with Capitol One. My account had problems like I was unable to pay online for an extended period of time. They say I was very late when I was not. I asked them politely to remove my late payments and they refused. I have been a customer for a long time and have never had a late payment on any account ever other then this. I want it removed from my credit file. Capitol One is extremely punitive. All of my other companies I do business with for credit related issues ( XXXX, XXXX, two car loans, rent, cell phone ) are all easy to work with however Capitol one seems more interested in hurting my credit then having me as a customer. I am requesting that the late payment be taken off my credit score immediately!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am a XXXX XXXX  employee in XXXX status due to the XXXX. Toyota Financial Services has offered help to those affected that have good standing loans/leases with them. My lease is in good standing. 

To my surprise, they offered me a 60 day deferral ( moved to end of lease ), for a fee of approximately {$290.00}. I was shocked! They are not helping us, they are helping themselves to additional charges to XXXX XXXX that are vulnerable. 

I have contacted 3 other financial institutions that I have business with. All agreed to defer one or two months, interest and fee free. 

This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
XX/XX/2022 I contacted via Certified Mail XXXX XXXX  about an inquiry on my credit report that I did not authorize and informed them of the FCRA violation 15 USC 1681b ( a ) 3 ( f ) ( i ) and let them know that I do not have an account as defined at 15 USC 1693a ( 2 ) for review or collection. And I proceeded to inform them of more USC violations as well as civil liability damages of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I informed them that they have ten calendar days to settle or I would see actual damages which are greater than the amount. They responded stating that they are unable to pay and refused to do so, as well as remove the inquiry. 
I responded with yet another letter filed XX/XX/2022 repeating my offer and informing them yet again of their willfulness to settle and furnish inaccurate information on my credit report citing civil liability for willful noncompliance 15 USC 1681n, 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer and USC 1681q obtaining information under false pretenses. 

I received no response. 

All correspondence is attached to this complaint. and I am ready to proceed both legal counsel to seek further damages if they do not remove this inquiry, and abide by the law that they clearly are in violation of.

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 2019-08-04
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
XXXX has two different removal dates for same company. midland is supposed to fall off XX/XX/XXXX but midland committed fraud by re-aging the date to XX/XX/XXXX dofd was XX/XX/XXXX, 7 years will be XXXX not XXXX! midland needs to stop playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I initiated a consumer credit transaction with AMERICAN EXPRESS, I applied and submitted an application for a new American Express Gold Card. After applying in good faith I was sent a letter stating that AMERICAN EXPRESS was unable to approve my application for me at the specified time on XX/XX/2023 due to information received from a third party agency. AMERICAN EXPRESS has utilized the information collected and have violated my right to an equal credit opportunity. AMERICAN EXPRESS is in fact discriminating against me by only utilizing that information collected and not giving me an Equal Credit Opportunity. AMERICAN EXPRESS received my collateral security and I received nothing in return by giving AMERICAN EXPRESS my application, this transaction was not equitable to me. I have called AMERICAN EXPRESS to rectify this situation and I was told over the phone by a representative that my right to an equal opportunity basically does not matter. I was also told misinformation because on the adverse letter it states that the consumer reporting agency played no part in the decision of denial but over the phone while speaking with a representative of American Express I was told that they only utilize the information from the third party agency. I have reserved my right to exercise my rights in the EQUAL CREDIT OPPORTUNITY ACT under the Consumer Credit Protection Act. ALL OF MY RIGHT TO AN EQUAL OPPORTUNITY HAVE BEEN VIOLATED. My right to safety against discriminatory violations have in fact been violated. This has affected my livelihood tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent several letters to XXXX Equifax and XXXX about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a XXXX-XXXX  veteran and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports. 
I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus XXXX, Equifax and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ). 
I am including dates and items that I would like fully investigated and deleted from my credit reports. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX 2 Social Security Number/ XXXX XXXX XX/XX/XXXX XXXX 1 Social Security XXXX XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX Please delete the Following 10 Hard Inquiries : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX Inquiry XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried to close my account multiple times since I never had much use for it. I had an overdraft fee once for a third party trying to withdrawal money from my account after I had tried to cancel with them. I was not able to Update the automatic payments therefore caused the first part of the problem. However, the bank refunded the fee after I told them of the problem and I told them my intention was to close the account. Then a month later, I get another overdraft fee for the same problem. I tried going into a branch and no one was able to help me after waiting for over an hour. I called again on XX/XX/XXXX and the wait time was 53 minutes!!! ( Not exaggerating ) I asked for a call back so I didnt have to wait on hold. I never got a call back. Now Im getting collection calls.

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 2020-06-25
Company: Metro Area Collection Service, Inc.
State: OR
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:
An account was opened to XX/XX/XXXX for XXXX. XXXX XXXX XXXX XXXX The account is stating that it is closed ( which means paid in full in XX/XX/XXXX ) The remarks on my credit report state paid collection. Unfortunately it is still being shown by XXXX XXXX ( which i'm guessing is the collection company hired to retrieve a debt ). I tried to Contact XXXX. XXXX XXXX XXXX XXXX to ask when my first date of delinquency was, and they have closed permanently. I would like this to be removed form my from my credit report, but because they have closed permanently I can get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: U.S. BANCORP
State: OH
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have had several weeks of unemployment benefits loaded to the ReliaCard. My mailing address on file with ohio unemployment is : XXXX XXXX XXXX XXXX, OH XXXX. ReliaCard issued and mailed a card to an unknown address they refused to specify even after verifying my identity. They agreed to mail a new card overnight to the correct address. I got the new card XXXX days later but it was already locked for " fraud ''. My funds were frozen. When I asked them why they refused to give an explanation and said I must submit my photo ID to a verification site and wait 2 days. I submit the ID and called them 2 days later. They claim a request came from XXXX XXXX  to close the card for no reason. I asked for explanation of that and proof also they refused to communicate about my own account. I was refused documentation. They have treated me unfairly... not held up thier own card agreements and refuse to allow access to my rightful funds. They also flagged my account for fraud before it was even activated. How can fraud be possible without a single transaction or even an active 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 non-monetary relief
Consumer complaint received 2020-02-16
Company: EQUIFAX, 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 requested that Equifax investigate a charge-off account with XXXX and provide documentation verifying the account per the FCRA. I have sent four requests to Equifax to provide the documentation and nothing has been provided. I have also requested the information from XXXX and they were unable to provide the information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
I called Experian this morning on XX/XX/2023 to inquire about a missing account that should be reporting to my credit. I also disputed a few I inquires that do not belong to me. So, I received a emailed stating my dispute was complete. When I checked my credit I saw Experian had added multiple negative accounts and names of someone elses credit file to mine. They have completely destroyed my credit. Experian has maliciously and intentionally to do things to hurt my credit. There a several accounts and names that arent associated with me. Couldnt even dispute the names or some of the accounts because I was told if the name is associated with the account then its cant be disputed. Every time I call Experian they do something bad to my credit. My legal and only name is XXXX XXXX. I attached screenshot of what my credit report looks like. There are names that I have never been associated with. Experian took someone elses credit file and put it on mine. 

8 negative accounts 34 inquiries 37 personal information Was added to my credit file They intentionally merged my file with someone elses.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: IN
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 dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX    XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX  XXXX {$20000.00} XXXX XXXXXXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT EDXXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  XXXX XXXX {$320.00} DEPTEDXXXXXXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
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 have contacted Experian multiple times dating back to XX/XX/2022 about the identity theft on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Ditech Financial LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a mortgage with DITECH and paid direct deposit from my XXXX monthly with no lapse in payment EVER. DITECH sold out to XXXX, which I have now started making my payments and actually paid both DITECH AND XXXX for the same month. apparently DITECH was to ensure all my payments were forwarded to XXXX, but now XXXX is claiming they did not receive MY payments. I have proof on my bank account statements of all my payments which are up to date. I can not get through to DITECH, I imagine they are gone, but XXXX is no help. please assist me with this Issue, I can provide my bank statements for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation