BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX  XXXX Balance : {$25000.00}.

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have reviewed my credit report and found that the inquiry on XXXX XXXX  was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this company this morning about settling a debt for a hospital visit. I stated my only options for payment considering I am not currently working and therefore I do not make a pay check as of this moment so the payments would be coming from somewhere else. I conveyed this to the creditor and asked for {$15.00} a month payments and a letter sent to me verifying it. When I stated it would be paid by someone else who would not want their personal credit card in a collectors file, he told me they couldnt send me the letter. I asked why he stated they need it in file in order to agree. It is not that company nor any others place to demand such a personal private thing from others to be save in thier files from people not associated with this account. I made the attempt and this creditor refused to cooperate. 

Creditor : PENN CREDIT CORPORATION ID NUMBER : XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX P.A. XXXX THIS COMPANY REFUSE TO COOPERATE WITH ME ON GETTING THIS BILL FINALLY PAID TO AVOID GOING ON MY CREDIT. I AM FILING A COMPLAINT UNDER THE BEST OPTIONS YOUR COMPANY HAS ALLOWED ME TO CHOOSE FROM. PLEASE HELP. I REALLY WANT TO SETTLE THIS DEBT BUT THIS HAS TO BE ON MY AFFORDABLE TERMS CONSIDERING MY CIRCUMSTANCES WITH THIS INJURY. 

PLEASE HELP. 

Thank you for your time and efforts on this very important matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In previous months, I requested for correction of inaccurate information which another credit reporting agency found to be inaccurate and had corrected. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the items listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: MO
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:
I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: MI
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 item of information, other than recods of convictions of crimes which antendates the report by more than 7 years.

15 U.S.C 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 innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, 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:
After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to me .These account has missing information there for they are not 100 % accurate reporting, there is no information on who is reporting these account or the allege debtor : ( XXXX ; XXXX ; XXXX ). 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account., I'm requesting these account to be removed from my credit because they are no mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Name is XXXX XXXX I have been banking with Wells Fargo Bank XXXX California Since XXXX, l have both personal, saving and Business Account with this Bank ; On the XX/XX/XXXX at about XXXX I was at wells Fargo Bank XXXX XXXX XXXX XXXX XXXX CA XXXX at the bank ATM machine inside XXXX store right beside Wells Fargo Bank XXXX I deposited {$120.00}, {$20.00} dollar bills with my Business debit card ending in XXXX and the ATM Machine Hocked my money and the ATM machine Malfunction and could not deposit nor return my money. 
I call one of the Banker I was speaking to earlier XXXX XXXX XXXX ID : XXXX to come and help and she followed me to the ATM and saw it jammed and malfunctioned, when i told her I need them to open the ATM machine so that I can get my money back because I needed to pay an urgent bill, she told me they can not do that in the bank but I should call a number at the back of my card and complain. 

i called the number and I was given a claim number XXXX and was told it will be investigated within 10 business days and they will get back to me I complained XX/XX/XXXX right in the bank on a chair for customers of the bank. and left I called the bank after 10 days when nobody called me and I was told that the matter has been finalized and the result says the money was returned to the customer and there was no deposit. 

I went to the bank XX/XX/XXXX Met one XXXX at XXXX she told me she is aware of the matter but XXXX was not on duty that day, took the claim number again and said the matter will be escalated because they saw what happened. I went back to the bank XX/XX/XXXX to let them know that wells Fargo customer service agent told me that the money has been given to a supposed customer but not me because the ATM machine stopped working and the banker asked me to call a number and after that call I left the bank premises when i was told I will be contacted within 10 business days and no money was returned to me. 
I met banker XXXX XXXX Personal Banker XXXX XXXX ID XXXX on XX/XX/XXXX XXXX who contacted customer service and was told that they have the video footage of the customer who received the money after the machine was opened by the machine technician, Banker XXXX asked if they could produce the video footage, customer service agent said they can not unless through the police. 

I went to the Police station in XXXX XXXX California to report this injustice and was given A police report Number XXXX XXXX. XX/XX/XXXX .DEP NAME XXXX. 

The bank sent me Letter saying there was XXXX deposit on that day which contradict customer service which says the customer was given the money and there was a video footage. 

Please see police report number and well Fargo Bank letter sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: U.S. BANCORP
State: IL
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:
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, 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 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX of 2021, a debt from XXXX XXXX appeared on my credit with a balance of {$260.00}, this debt has no account number, just a po box and a phone number. I made several calls to them and spoke with a young lady by the name of XXXX. I have been unsuccessful in rectifying this problem. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.

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 2023-07-13
Company: EQUIFAX, INC.
State: WV
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 paid my XXXX XXXXXXXX account off and was never ever late on it and Ive tried this multiple times and t none of the bureaus will change ur event though I paid the card off or paid the minimum payment before the due date. They also closed the credit card with XXXX notification and stated that it was because of returned payments which happened because I was on XXXX for XXXX and was struggling with it and my work wasnt paying me like they were supposed to. Additionally this account should have a XXXX balance on my credit report yet it doesnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no 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 non-monetary relief
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EdFinancial Services
State: VA
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:
On XX/XX/XXXX I tried to pay off my XXXX student loans with a lump sum of {$8000.00}. The transaction said the payment was confirmed but pending for several days. Finally, when I checked it again on the night of XX/XX/XXXX, it said that my payment was reversed on the day I submitted the payment. I couldnt reach anyone by phone or chat when I tried to contact them when business hours started.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I made a purchase of {$290.00} at XXXX and agreed to a promotional payment offer made by Comenity bank. The offer was XXXX interest if paid in full by XX/XX/XXXX. I made payments each month in a timely fashion, and they cashed each check I sent, however they failed to post 2 of the checks to my account. I caught the 1st missing payment on Sunday XXXX. I immediately called and messaged to them on their website with copies of the check. On XX/XX/XXXX I caught yet another check that they cashed and had not credited to me. Once again I called and sent a message to them. I was advised by a customer rep on the phone that I would have to pay the amount again ( basically overpay my account ) for the missing payments while they research the problem so as to not get hit with the accrued promotional interest. I did this on XX/XX/XXXX. I checked my account balance on XX/XX/XXXX and it was XXXX. They then proceeded to bill me {$26.00} for accrued interest. (?? ) They have since credited my account for the missing checks but not the XXXX in interest. I paid this so as to not have my credit score hit, but here I wait to get it back all I hear is crickets from Comenity. Hoping you can intercede and get this money back. This is not a lot of money. But this is stealing. This company needs to held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NEVER HAD A ACCOUNT WITH THIS BUSINESS

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