BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: Consumer Portfolio Services, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
CONSUMER PORTFOLIO SERVICES Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have XXXX dealing with this problem for over a year now. This reporting agency continues to report false information on my consumer report that I clearly do not have per the courthouse and XXXX XXXX. So I'm not understanding how you are still able to report information that does not exist. At this point this is FRAUD and you are past violation my rights and the LAW. I need this incorrect information that does not exist removed immediately. There is no way possible you can say the court or XXXX XXXX furnished you this information because I have proof in writing they didn't so stop defaming my character and delete these lies you report!!! See proof attached

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 2019-06-30
Company: EQUIFAX, INC.
State: MO
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 my identity was stolen, I later found that my identity has been seriously compromised and unauthorized accounts has been opened and closed in my name. And now I'm demanding that these accounts be blocked from reporting to my credit files. Please remove the following account. 

1 ) XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote to transunion three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.

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 2017-12-14
Company: FRESNO CREDIT BUREAU
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously filed a complaint against XXXX XXXX on XXXX which XXXX XXXX falsely claimed that I had used an insurance card at doctor visit when in fact I received a " self pay '' discount and did not use an insurance card. XXXX XXXX has now come back to me requesting that I complete a " identification fraud '' form, however this is bogus since I never requested Colorado XXXX XXXX to perform a lab test and I never received any lab report from CLS for alleged lab services. The amount of {$200.00} has been reported to credit reporting agencies in violation of state and Federal law, and XXXX XXXX has NOT removed this false report from my credit history. Further, XXXX XXXX in their response to XXXX claimed that the alleged charges are reasonable but I found that CLS, a member of XXXX XXXX XXXX XXXX is generally XXXX to 35 % higher than other Colorado XXXX labs such as Quest, XXXX, or the XXXX Hospital or XXXX XXXX labs. The primary complaint is that I did not order the lab tests, would have been self pay if so ordered, and I would have used a cheaper but competent lab. This debt is FRAUD, and XXXX XXXX should be charged with FRAUD.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a Capital One auto loan and moved from XXXX to XXXX. Upon going to register my car ( which had a lien on ) I was informed that I would need to have the lienholder ( capital one ) send a copy of the title for registration. I was informed this process could take up to 2 weeks. After a couple months of waiting and capital one ( admittedly ) messing up on their end, I decided Id pay my car off. Then they would have to send me my title? Right? Wrong. I waited almost three months to get my car registered ... ..in XXXX. I couldnt wait any longer for a car that I couldnt drive because it wasnt registered. I was also upgraded to the presidents office or something like that so I knew my claim was actually being taken seriously. The last person I talked to was going to talk to someone to see if I could get those last couple payments back. Never heard from them again and that was over a month ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MO
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 account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Experian and XXXX was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Experian and XXXX do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX : {$6900.00}

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 2022-03-06
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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 placed an order with XXXX on XX/XX/2021 through their website in XXXX as we were vacationing in XXXX at the time. The order was immediately cancelled after being placed realizing that the shipping address being displaced on the order half in XXXXh and half in XXXX. I have provided the financial institution with copies of the orders cancelled with XXXX, and a letter explaining in detail how the situation occurred. I also made multiple attempts to contact Amazon.com/mex to no avail. XXXXx claims they did not receive any money for the order in question, therefore, there is no credit to process. 
After contacting the financial institution regarding this problem, they issued a provisional credit to my credit card. However, that credit card charge was then reversed and I was billed again for items that were never shipped to me on an order I cancelled immediately after being placed. I also made the financial institution aware that, there are no tracking numbers showing that the order was shipped. XXXX did not provide any items for the money they are billing me, therefore it is an unauthorized charge. The total charges are for {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of Items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX IN XXXX ; XXXXXXXX XXXX XXXXXXXX, IN XXXX ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-06-30
Company: EQUIFAX, INC.
State: MO
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:
There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
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:
To whom this may concern By the Fair Credit Reporting act. The list 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its 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 then records of convictions of crimes which antedates the report by then 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 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 2019-06-30
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bill for amex card was sent to wrong address. I was never notified by phone or email despite having this card since XX/XX/1969. Card was charged on an automatic annual charge and bill was sent to incorrect address, the charge was {$25.00}. This card was used for a transaction and declined thus making me first aware of a problem with this card. I then called Amex and learned that they cancelled this account, reported me to XX/XX/XXXX and my credit score was negatively impacted. In addition they lowered my credit limit on an additional Amex that I have also had since XX/XX/1969 and cancelled over XXXX points. I have always paid on time and never was made aware that I had a XXXX balance on the canceled card that was sent to the wrong address. When I asked them to increase my credit limit back to what it was on my additional account prior to this incident I was told no. I was also told no to reinstating my canceled points. The reason they gave me was that my credit card score was lowered due to nonpayment of my credit card. This is outrageous, they are blaming me for a problem that they created and now refuse to fix this issue even though I have had outstanding credit history with them since XX/XX/1969. I want my current card 's credit limit increased back to what it originally was and my credit score corrected immediately and my points reinstated. I am appalled as to how I was treated by Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: CCS Financial Services, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX offered that we can cancel the policy at XXXX cost when I bought the policy on XX/XX/. I paid them in full. I called the XXXX XXXX customer service about cancelling the policy. They hold some of the money and refunded the amount. I make sure that My balance was showing nothing. I have relocated and I did not receive any credit collections by that time. On one day I received the collections letter from CSS. So, I filed a complaint with CFPB on XXXX  because in was unaware of this. Complaint number XXXX XXXX XXXX, and Credit Collections XXXX had responded back on XXXX that they would put the account on hold for till I receive the documents. I have conversations with XXXX XXXX  about the Policy. XXXX XXXX claimed it was not there on their systems. Finally, they were able to Get the Information and I received mail on XX/XX/ with updated address on the cover and little folded paper of XXXX XXXX folded inside. The Date and address on the XXXX XXXX copy are different. I was not comfortable with their threatening calls. and they were wasting my time. XXXX XXXX and CSS agreed to Remove this collection if I pay it. I did not want to move forward and paid it off on XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When my XXXX credit card transitioned from XXXX XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha XXXX FBNXXXX XXXX this year starting around XXXX, I paid two bills online to XXXX ( by mistake ) rather than to FNBXXXX. I paid {$160.00} on XX/XX/XXXX. I paid {$420.00} on XX/XX/XXXX to XXXX for a total of {$590.00}. This money should have either been forwarded to FNBXXXX or returned to me. I learned of my mistake when I called FNBXXXX about late fees for non-payment on my XXXX Statement as FNBXXXX hadn't received payments. FNBXXXX reversed the late fees and interest, and I paid FNBXXXX in full. 

I called XXXX on XX/XX/XXXX, using a phone number that XXXX at FNBXXXX  happened to have handy and spoke with XXXX. At first XXXX claimed XXXX returned my money to my bank however my bank doesnt show any credit for the two amounts involved ( {$160.00}, XX/XX/XXXX ; XXXX, XX/XX/XXXX ). Then, after putting me on hold for a time, XXXX came back and said XXXX would work on the problem, that I would get a confirmation by email in three days to confirm XXXX was really working on figuring things out. He said it might take three weeks to get my money. When I asked for a tracking number as a means to follow-up, XXXX was unable to provide a tracking number so he gave me his badge number ( XXXX ). I never got a confirming email that XXXX was actually working on my problem. 

I wrote a letter to the CEO of XXXX on XX/XX/XXXX, ( copies to XXXX, FDIC, and CFPB ) explaining this problem in detail along with Proof of Payment documents from my bank both payments. As my account at XXXX is closed I don't have a way to see how the payments may or may not have been applied. I have not received any response from XXXX. I understand from FNBXXXX that I was not the only one to submit payments to XXXX  that should have gone to FNBXXXX

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 2019-06-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was checking my credit card account online when I noticed that there was Interest charges on my XXXX statement. I usually paid my credit card on staggered basis but make sure that I fully paid the amount due before the due date. In this particular case the XXXX statement which is due on XX/XX/XXXX they said that I was short of XXXX so they charged Interest of XXXX. Again the due date of all the statements are always the XXXX of the following month and payments after the XXXX should be applied to the next statement. In my case I have a payment of XXXX on XX/XX/XXXX & still they applied it to XXXX statement resulting an over payment of XXXX ( this amount includes payments on other dates XXXX. I spoke to certain XXXX & certain Supervisor of XXXX on XX/XX/2019 explaining that underpayment of XXXX is a result of applying the payment on the wrong period & requested to waive the interest charge but they told me that the interest charge is valid & they can not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 


Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft Account XXXX XXXX ( {$34000.00} ) XXXX XXXX XXXX XXXX, OR XXXX Date Opened : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation