BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
company officers are showing up at my door step as early as XXXX and as late as XXXX at night. This hunt and henriques debt collector is out of control on XX/XX/2023 at XXXX person Name XXXX XXXX yells at my door that he want {$1200.00} in cash that i owe a debt to him, but when I ask to see the signed agreement He starts to kick the front door. I have the neighbors as witnesses. I told the fellow that not to bother me. The same guy Name XXXX XXXX shows up again on XX/XX/2023 at XXXX demanding that i must pay him {$1200.00} dollars that I'm also a winner of a cruise and to collect the prize i must pay him {$1200.00} dollars. he claims he works at hunt and henriques out of XXXX XXXX XXXX. I'm very afraid to answer the door. I am a XXXX XXXX Please help me. I feel I'm taken advantage by demanding that I pay for something that has nothing to do with me...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Reporting company used your report improperly

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-03-23
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:
The 3 credit Bureau 's credit reporting agency ( CRA ) is reporting inaccurate accounts listed below ; Due to their errors in reporting, Im reporting these violations. The first is with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second is the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be corrected from the agencys report. The following accounts listed below is inaccurate. 
XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have in the last several months received phone calls over a debt that is well over 8 years ago. Although this debt is not being reported to the credit agencies, it continues to be a threat through harrassing and threatening phone calls. The company holding this debt has called and left the following message ( word for word ) : Good Morning, my name is XXXX XXXX and I have an urgent and important message for ..., please contact this office at your earliest convenience recording documents attached to your social security number for immediate processing with your local county courts to receive this important information and also to offset pending proceeding against your name and social. Please contact XXXX XXXX at XXXX reference case # XXXX. Today 's date is XX/XX/XXXX, you have been notified. 

I returned the call to XXXX XXXX. I listened to her tell me she would be filing court papers for a debt against my social for XXXX from Capital One Credit. I proceeded to explain this was the second call in the last few months over a debt that was over 8 years old. I tried to tell her I had already given notification not to make calls to me any longer. She began yelling and screaming at me. I asked her to stop yelling, but she got louder and continued to say ... We will be filing this in the court and move forward to sue you. And then she simply hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX L XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX MA XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX DEPARTMENT OF EDU XXXX XXXX XXXX {$200.00} XXXXL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXL XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$1000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
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 XXXX still refuses to report correct information to the credit bureaus. This was never a collection account, It was an auto loan. It was NEVER sent to collections but yet its on my 3 credit reports as a collection. They claim their information is correct but yet they still lack to report the correct information to the credit bureaus. XXXX XXXX needs to fix this and stop saying its being reported correctly because that is false. The credit bureaus wont fix it either even though I have proof its not a collection account. All I want is the truth that it was NOT a collection, it was an AUTO loan, paid correctly and on time since XX/XX/2020. It was paid in full as of XX/XX/2020 and closed. Please see attached documents. Thank you for helping, I am trying to buy a home for my family and this is sorely hindering it to be able to do this. The account is almost 7 years old as well.

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 2022-05-24
Company: EQUIFAX, 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 XXXX still refuses to report correct information to the credit bureaus. This was never a collection account, It was an auto loan. It was NEVER sent to collections but yet its on my 3 credit reports as a collection. They claim their information is correct but yet they still lack to report the correct information to the credit bureaus. XXXX XXXX needs to fix this and stop saying its being reported correctly because that is false. The credit bureaus wont fix it either even though I have proof its not a collection account. All I want is the truth that it was NOT a collection, it was an AUTO loan, paid correctly and on time since XX/XX/2020. It was paid in full as of XX/XX/2020 and closed. Please see attached documents. Thank you for helping, I am trying to buy a home for my family and this is sorely hindering it to be able to do this. The account is almost 7 years old as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On Friday XX/XX/2022, I was doing online deposits of few personal checks. Suddenly I got logged out from my online banking app. I went to check my emails, and I opened one email from " Chase Online '' regarding : Security info : stating that they had detected unusual sign attempt in my account on Friday XX/XX/2022. They wanted me to verify my account. I found this email suspicious, so I called the customer service phone line and I spoke to a representative. I informed what happened, and he said as long as I didn't provide my account number ( which I didn't provide ), I should be ok. I didn't feel comfortable knowing a suspicious email had my name, address, email address, and social security number. I checked my bank on line on Saturday, Sunday and there was no suspicious activity in my account. I checked again on Monday, and I saw a wire transfer I hadn't initiated. I called my banker immediately and she provided the Fraud Department phone number to inform what happened and try to cancel the transaction. It was a wire transfer for {$1900.00} to XXXX to XXXX XXXX XXXX  XXXX. I have NO Business with this Financial Institution and I don't know anyone in XXXX. My bank account was locked and I had to notify the 3 major Credit Bureaus and submit this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Capital One Spark Business card for a XXXX  XXXX  that I XXXX. Capital One offered a XXXX dollar reward for referring another business. I own another XXXX XXXX. 
It did not have a Capital One Business card. So I referred it. 

The small print on the offer stated : " To receive a bonus, you must refer businesses that do not already have a Capital One Business credit card. '' Capital One did not credit me the XXXX dollars and did not inform me. After a LOT of effort on my part they informed me that since I own both businesses I am not eligible. 

That is not what it states in the Small Print. If that was the case, then the Small Print should state : " the individual owning the referring business may not refer another business that the same individual owns ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NC
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 sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2021-10-19
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 each credit bureau, XXXX XXXX, experian and XXXX by mail and fax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have not received any reports from the bureaus about my dispute and the accounts are still on my credit and I have no knowledge of these accounts. I have asked for proof from the creditors and the bureaus and no response. they have had many times to respond.

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 2023-05-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
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 Account, XXXX XXXX, # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-14
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've tried disputing this debt for a few years through XXXX XXXX and nothing has worked. I was a victim of identity theft and I have no idea which creditors were used under my name. This is on my credit report which I've tried to get removed and nothing has worked. They stated XX/XX/2023, but this has been on my account for several years. I have no clue who this creditor is. Please help me remove this account off my credit.

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 2021-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND I'M ATTEMPTING TO RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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: Account information incorrect

Complaint:
Hello, I am writing in order to complain about the incorrect information that is reporting in my credit report. I am talking about this item : XXXX XXXX XXXX XXXX. I have never had this account, I don't recognize it. I did not check my credit report because I had everything excellent but recently when I took a look I realized that this is complete error. I ask you to make investigation and remove this item from my report. 

Thank you in advance!

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 2022-07-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX Amount owed : XXXX Date : XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-07-07
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been trying to get a payment plan Ive been impacted due to the covid 19 and having financial hardship ally has not been in compliance with the CARE ACTS on XX/XX/XXXX I was able to put two month a behind only if I paid XXXX by XX/XX/2021 and than other XXXX by XX/XX/2021 which isnt really any help Im in need of a payment they also report to the credit bureau late payments three times and XXXX lowered my credit score Im trying to get back on track but its causing a distress on me. Please help

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 2023-03-23
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation