BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Please completely remove me as authorized user from the Bank of America credit card attached. 

Please completely remove this XXXX  from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

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 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I was XXXX XXXX XXXX from XXXX to XXXX therefore I could not make any payments or let kohls and child support and XXXX XXXX know until I was XXXX. Im trying to fix my credit and these negatives are affecting my score big time. I tried to dispute all three to get them removed because Ive paid all off. Please help me fix my credit. Also capital one closed a credit card on me today because of my XXXX XXXX 7 years ago. How can one fix credit and rebuild life if no one will help? Im not sure if them closing my account will affect my score but it wasnt right. I dont know what else to do to help me score. Please help me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Please completely remove me as authorized user from the Capital One credit card attached. 

Please completely remove this tradeline from XXXX, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
Despite multiple written requests, the unverified items 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 09/05/22 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE SENT OVER MY CORRECT INFORMATION TO EQUIFAX AND XXXX, AND THEY REFUSE TO CHANGE THE INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE INCLUDED MY DRIVERS LICENSE, CURRENT BILLS, LEASE BANK STATEMENTS AND W2, THEY STILL REFUSE TO UPDATE MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have reported scammer to Bank of America who took money from me XXXX $ his name XXXX XXXX XXXX XXXX visa agent that I paid for visa processing and I reported his bank account to Bank of America they did nothing for me although I gave them all proof... 
The scammer account XXXX XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Mr. Cooper Group 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:
Nationstar / Mr Cooper reported two missed payments ( 30 days ) on my mortgage which were due to errors within their own system ( auto draft ) as well as their inability to appropriately communicate these errors to the consumer by email, mail, or phone. This was disputed with Nationstar as well as XXXX. The dispute changed nothing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
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 am formally writing this letter of complaint to you in regard to Experian Credit Bureau. 

Experian has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX  ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Experian in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Experians failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Experian that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Experian immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Experian Credit Bureau.

Thank you.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

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 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank, NA is reporting alleged debts of {$3500.00} & {$4100.00} ( Acct # XXXX & XXXX ) on my credit reports without any standing & in violation of the FCRA & relevant Texas Debt Collection Act laws. Capital One Bank, NA is also in violation of Title X of the Dodd-Frank Act/Sections XXXX, and related regulations including abusive acts & practices. I have contacted them via XXXX with no response. In addition, I believe that this company has discriminated against me in violation of the Equal Credit Opportunity Act due to the fact that I am a supporter of the XXXX community, engaging in XXXX behavior. Since Capital One Bank, NA has willingly committed these premeditated/malicious acts, I have spoken with local counsel regarding the matter and they have agreed to potentially take the case on contingency pending Capital One Bank , NA response. I am however, willing to waive any litigation regarding this claim & rescind any complaints filed if the other party deletes the trade line from all 3 credit bureaus. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

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 explanation
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, Inc.
State: NJ
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:
I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/2022 I called XXXXXXXX XXXX XXXX to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXXXXXX XXXX  XXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX XXXX do. I asked if XXXXXXXX XXXX XXXX owned the account. The agent said no, XXXX owns the account, and we are a XXXX party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXX XXXX  XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.

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 2023-08-02
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: Investigation took more than 30 days

Complaint:
I have VOLUNTARY surrendered my vehicle back to XXXX XXXX XXXX XXXX in XXXX of XXXX. 
However, XXXX XXXX XXXX just changed history of my account and notified credit bureaus Equifax, XXXX and XXXX that in XXXX (! ) from XXXX through XXXX of XXXX account was in repossession (! ). This does not make any sense nor this is right as this vehicle was VOLUNTARY SURRENDERED and brought back to XXXX XXXX XXXX in XXXX XXXX, Ca at the end of XXXX in XXXX!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: AL
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:
THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX 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 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid a contractor by the name of XXXX XXXX a duplicate payment of {$3600.00} via XXXX on XX/XX/2020 in which I asked my credit card company to refund the duplicate payment. I provided proof of the paid invoice signed by both myself and the contractor. I also provided a copy of the email he sent in which he requested for a refund to be made to me as he confirmed I didn't have a balance outstanding. Instead of refunding a refund, Capital One provided a chargeback and has since been charging me interest on a balance I didn't owe. I have spoke with both XXXX and Capital One to get the issue resolved. At this point XXXX said they are willing to refund me my money once Capital One reverses the chargeback that occurred in XXXX of 2020 and provide proof other than my billing statement to show where the money was returned back to XXXX. XXXX has taken the position that they are yet to receive or be able to track the money that was supposed to be sent back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is known for not providing accurate and updated information on consumer 's credit report. 

I am a victim of this issue. I have tried disputing several merchants that were not reporting correctly after my XXXX XXXX bankruptcy was discharged on XX/XX/2021. On XX/XX/XXXX I did a dispute to get the information updated. Within a matter of days, they closed it out as verified and accurate. When I asked them how did they verify the information, they said that the merchant verifies it and that's it. 

I asked to speak with a manager because they have overseas call centers handling our personal details which is unacceptable!!! 

XXXX XXXX, a rude and disrespectful manager called me and huffed and puffed through the phone the entire conversation. His tone was already sounding like he did not want to be at work. He raised his voice on several occasions to cut me off. 

He provided me with wrong information that I am now reporting to CFB in the hopes that Transunion is held accountable for not verifying and researching before adding accounts to a consumer 's file. 

XXXX XXXX advised me of the following details that are not true per the CFB and other government resources : 1. Transunion does not verify or research anything. He said when a dispute is filed, it goes to the merchant and they handle it. They are just a data storage company. That is NOT true. All credit reporting agencies are responsible for furnishing accurate information. 

2. Consumers can not block or freeze their reports or any other third-party reports at any given time. Transunion has and will always have access to third-party agencies even if that were possible because they can. THIS IS NOT CORRECT. Consumers can freeze their reports at any time by either requesting it via phone, online or by mail. 

Clearly, Transunion is not researching disputes properly. They are closing them and marking them as verified when they are not. This is hurting us consumers when we are trying to purchase a home, car, etc. 

Someone needs to hold these folks accountable.

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