BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX. my identity was stolen and fraudulent accounts we're applied for and started in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I sent them a letter informing them of the fraudulent accounts on XX/XX/21, and by law they had 4 days to remove the items. It is now XX/XX/21 and the items are still reporting on my credit report. THAT IS AGAINST THE LAW. they are now criminally and civilly liable for all the fees listed in my invoice attached.I want all the accounts listed in my dispute letter to be removed, or updated to payed as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$4900.00} XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX  XXXX {$51.00}

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 2023-11-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting 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 confidentiality under 15 USC 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 has violated my rights. Or list of inquiries 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 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 records of convictions of crimes which antedates the report by more than seven 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX  {$170.00} XXXX  XXXX  XXXX   {$4900.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX   XXXX  {$4600.00} XXXX XXXX  XXXX  {$51.00}

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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in the process on buying a house when I seen accounts thats was not mines I sent out my dispute letter on XX/XX/

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 2022-04-11
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been calling Kia ( knfusa.com ) since XX/XX/2022 about payments being misapplied on my loan. I have been making payments in excess of the amount due, in an effort to pay down the principal balance on the loan. Kia keeps applying the overpayment as partial payments for the following month. 

I have called more than 5 times about this, have escalated to supervisors on at least 4 occasions since XXXX but they still have not corrected it. Worse than all of that is the awful customer service I've received from their agents. One hung up on me, another told me that they can't help and it's just too bad. I have been going on and on with this issue for weeks and I am tired. 

I am currently on the phone right now, trying to get to someone who can/will correct the misapplied payments.

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 2020-06-24
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home XX/XX/2019, flood insurance was not required. Now the mortgage company Umpqua is requiring flood insurance. I contact a flood company and they say it is not required. I sent ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) the FEMA LOMA which classifies the property as zone c, not required. They have now added {$4800.00} in flood to my escrow account bring the balance negative. 

Please help me, I am fearful of loosing my home.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit reports I noticed some incorrect addresses on my profile. I sent a letter requesting the addresses to be removed for safety and privacy of my personal information only, my letters went unanswered. Please remove the incorrect personal information from my profile because it does not belong to me and violates my privacy. 

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 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I paid to rent a room while working in XXXX. When I arrived at the landlord 's home, I noticed that she misled me with her hosting profile. I left the unit after staying 2 nights because I felt unsafe. On XX/XX/XXXX, I filed a claim with Capital One Bank for a total of {$2500.00} after the landlord failed to provide services for a room I initially rented for 30 days. I explained this situation to the claims department and received a denial on XX/XX/XXXX. I called back to receive additional information and learned that the claim was submitted inaccurately. I resubmitted the claim with another representative who mentioned he would make a note of that. On XX/XX/XXXX, the claim was denied again. I spoke with numerous reps, with all different explanations, but it appears they refuse to approve the claim because of XXXX 's terms and conditions. However, the funds came from my Capital Checking account, which is also connected to XXXX. The landlord refused to issue a refund. As a result of this, I was forced to file a claim in court against the landlord with a court date set in XX/XX/XXXX. Due to Capital One 's failure to support me as a customer, I had to take matters into my own hands. I am disappointed in the lies and inconsistencies with their claims department. This is fraudulence on the recipient 's behalf and Capital One has done a poor job of protecting me as a customer. I believe something can and should be done about all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
State: VA
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:
Dear Consumer Financial Protection Bureau, I am writing to you regarding an issue I am currently facing with Synchrony Bank and my XXXX XXXX account. I recently requested an investigation from all three credit bureaus, and they have all returned with the information that the account is accurate and verified. However, what they have reported is completely different from one another, leading me to believe that there may be some inconsistencies with the information being reported. 
I would like to express my concerns and frustrations about the conflicting information being reported by the credit bureaus. It seems that there may be some errors or inaccuracies in the information being provided, and I am unsure of how to proceed in rectifying the situation. I am hoping that you can assist me in resolving this issue. 
It is concerning to me that the credit bureaus are providing different information, which may negatively impact my credit score. 
I am requesting your assistance in investigating this issue and finding a resolution. I appreciate your attention to this matter and look forward to your response. 
Sincerely, 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 2023-04-24
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was charged on my capital one card for an order by some adult store online. I contacted Capital One who blocked the charge and card and replaced my card. 

The following week I received and order from this adult company but I told XXXX refuse it, so the driver took it back. It was NEVER opened and we don't even know what was inside. 

I got an email from this company but. not to my real email but to a XXXX that I have used in the past but do not use all the time. Regardless of this the company admitted to receiving the order back and claimed that they issued a credit. But I never got the credit, because Capital One refused the credit. 

I have now contacted Capital One XXXX times and they give me a different excuse each time. So I guess it is o for an adult store to charge my capital one card and I never got anything? No product or service? That is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: PA
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:
I want XXXX, Experian and XXXX to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX XXXX. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : 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 2023-03-07
Company: Experian Information Solutions 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:
I acquired my credit report and asked the credit bureaus to check and make sure everting was complete and accurate according tc 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is experian did not modify or removed anything. The date open is not correct, date last active is not correct one of my credit report, date of last payment is not correct on Experian reports Which is a violation. This is impacting me from moving forward to buying a car for my family. I attach my previous credit report and my new credit report to show how Experian violated my rights.

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 2022-03-02
Company: DISCOVER BANK
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:
On XX/XX/2022, Discover credit card company agreed to settle my account in the amount of {$950.00}. However, after credit bureau dispute Discover provided incorrect information to the credit bureau and is is fraudulently reporting that I owe {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
This account on my credit report does not belongs to me and I have submitted my identity theft report that I was told to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly had this debt removed, because I dont owe this company anything. They continue to place this item back on my credit and take it off each time I do this. Making this the fourth time its being removed. I received documentation stating that they have no record of me owing anything. I know for a fact I dont owe the debt. This continues to be an issue with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2020 my bill for account CAPITAL ONE did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are all inquiries on my report I did not authorize or have knowledge of. 
Under 15 US Code 1681b you need permission to report on my CONSUMER 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: American Credit Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
American Credit Acceptance has repeatedly denied me a lower monthly payment even in the face of extreme hardships. They reverse my monthly payment of {$460.00} & its given towards the interest of the loan. Plus they add extra fees every month and before I lost my job I was paying my monthly payments on time & the company never reported it to the credit bureaus but since my payments have been late, they report it every month!! I put {$7900.00} down on this {$20000.00} car and have paid over {$10000.00} towards my car yet I owe more money than I did when I purchased the car!! I owe {$17000.00} as of XXXX XXXX!! Some of my payments I made have been stolen and theres no accountability for the blatant disregard of fraud!!! The site clearly states if your experiencing hardships they will help you but I dont qualify even when the car loan wasnt past due, I didnt qualify!! This financial institution has royally ripped me off!! How can I owe over {$17000.00} after 2 years of payments in the amount of {$460.00}?! Its a complete disregard when Im diligently trying to make a payment and pleading for a lower monthly payment and denied!!! The company repossessed my car on XXXX XXXX & after I paid all the fees plus the outlandish towing fees I couldnt pick my car up for an additional 4 days plus American Credit Acceptance is acutely aware when the car was towed off the property but states my car was towed on XX/XX/21!! The shady financial company & towing service are corrupt!!! They refused to rectify the false information!! I filed a police report the night my car was towed and sent the report to the financial institution plus the towing company and both companies refuse to make the corrections!!! Incomprehensible at the level of fabricating information these companies have displayed!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation