BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been attempting to have a fraudulent account removed from credit report. Every time I send a letter to Capital One asking for information about this fraudulent account or to dispute I receive a letter back and I'am simply told " We are following up on a fraud notification that you recently filed with Capital One stating that you believe there is fraudulent activity on your Capital One account. Unfortunately, with the limited information that we received from you, we can see no evidence of fraud on your account and we are not taking any action at this time. '' The problem is THIS ISN'T MY ACCOUNT!!! Capital One refuses to do anything other than send out form letters claiming this account is mine when it isn't. I have filed a police report and an FTC report. One time they claim they had my drivers license but any could have had that and uploaded a copy of it. I want to see where I signed for this credit card and received ANY benefit from it. Trust is there isn't because someone else clearly used this card and Capital One REFUSES to do anything about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: DE
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: Card was charged for something you did not purchase with the card

Complaint:
I ordered what I thought was a free credit report from Experian on XX/XX/XXXX.  Their website says, " Get your official Experian Credit Report Plus FICO score for just {$1.00} and at another portion of their site it says, '' Free Credit Report updated every 30 days. '' Today I got my credit card statement and their is a charge for {$21.00} from Experian for a credit report. I called XXXX XXXX, my credit card company and we could not speak to a real person at Experian. They have started a dispute about this with Experian. However, I believe that they are involved in false advertising. I did go back to their website and found a couple of paragraphs about free 30-day trial membership in Experian IdentityWorksSM Premium. To get the credit report I had to give them a lot of personal information and that is how they got what they needed for that membership that I did not sign up for. They just automatically put me in their monthly thing. I would never pay that much money for a credit report as there are many ways to get a free one. If you XXXX " free credit report '' Experian comes up

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00}

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 2015-12-08
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a letter for a short term loan from a company called Castle Payday. Having been hit with unexpected expenses, I contacted them and received a loan in the amount of XXXX and was told that finance charges would total XXXX, though high, I accepted. 

The loan documents that I was able to view at that time did NOT show the " Truth in Lending Disclosure '' that is part of them now. that I would be making interest only payments totaling {$1500.00} plus the amount of the loan for a total payment amount of {$1800.00} for a {$350.00} loan. 

The practice is beyond deceptive and a quick check of this company online shows many victims in the same boat as I am. I am continuing to make payments as per the agreement ( which again I was told would have a finance charge of {$120.00} not {$15000.00} ) for fear of having my credit impacted. This is a deceptive loan practice and have learned by a quick search that I am far from the only person to have been scammed by these people. 

A quick search of the internet showed that even though they are a " Tribal '' lending ( and I use that term to be polite ) company, that the FTC has been granted authority to go after companies that engage in these practices. 

In any court, finding that a company is charging at finance charge of {$1500.00} for a {$350.00} loan totaling charges of {$1800.00} is, to the best of my knowledge, illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize the companies to run my credit. This is the second request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. The items listed below were not mine : 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 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 2022-05-19
Company: Amsher Collection Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: ADIR INTERNATIONAL LLC
State: AZ
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:
I have noticed that this company had begun and continues to incorrectly report an account as derogatory and 30 days late exactly one year from settlement. I called this company multiple times since XXXX to correct the issue at which point they acknowledged there was something incorrect on the report and advised me it would be fixed and updated. At this point the reporting continues to be done incorrectly and no attempts to correct the inaccurate information from them to my reports have been made. I have spoken to several people including the credit department itself of this company but they are not correcting the information on my report. They initially never explained either the differences in the accounts they use nor do they inform you that when opening services with them that they open three accounts for you instead of one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have always been sent paper statements. Citi discontinued sending paper statements without my request to do so. No emails were sent to me alerting me of payments due. I received voice mails after the payments were deemed delinquent and late fees were charged to me. I called and complained. The late fees were not withdrawn, they will not send paper statements as I have requested and continue to charge me late fees and list me as delinquent and subsequently damaged my credit rating. Im responsible about my payments as my other credit card companies will attest to. I need help from you with this issue. 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 monetary relief
Consumer complaint received 2023-12-14
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent request for information via email and mail to JJ Marshal and Associates. I have not received the information from JJ Marshal and Associates as to why I am submitting this complaint. I am requesting information from JJ Marshal and Associates in the correspondence attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 appreciate you making the effort to correct and remove some of the data on my credit report, but there are still some accounts that need to be updated. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Original Creditor : 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 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX. And all listed inquir

ies 15 USC 1681 Section 602A- I have the right to privacy. 15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.

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 2018-05-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " CHILD SUPPORT ENFORCE '' # XXXX and that account is in COLLECTION ACCOUNT AND DELINQUENCIES. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from XXXX and I pay it in full, this account is the child support payment that during that time I made my daughters, I never had that account in the collection or in delinquency. I fulfilled all my payments on time and finalized my case satisfactorily, and there is no record of that debt. 
Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. The name of the court with which Experian verified this information. The address and phone number for the court with which Experian verified this information. The name of the Clerk who verified this information. The Documents, date, and signature in which verified this information. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-01-24
Company: Experian Information Solutions Inc.
State: NY
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 have loan with XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
On XX/XX/23, my vehicle was repossessed during pre-dawn hours due to being 1.5 months behind on payments. I called the company that morning to find out what I needed to do to get the vehicle back and established a promise to pay by Saturday, XX/XX/23. However I was able to make the payment early and bring my account to current on XX/XX/23, during a call made at XXXX XXXX. Please note the times listed since they serve as proof that I have done as I was told. I call the number I was given by Westlake Financial, a company called XXXX XXXX XXXX ( ARS ) who was responsible for the repossession. I call this company and they say that they have not received a release from Westlake Financial. I call Westlake back, and after MULTIPLE calls back and forth between Westlake and XXXX, they say that I must wait 24-48 hours for it to go through. So I waited, and now XX/XX/23 XXXX XXXX, XXXX has STILL NOT received a release authorization from Westlake. XXXX tells me to call Westlake, its now been over 48 hours and they still havent released it and it shouldnt take this long. I call Westlake AGAIN, and they tell me that no, a release form was just authorized today and it wouldnt be until MONDAY that I could try again. It honestly feels like they are scamming me and NO ONE CAN TELL ME WHERE MY VEHICLE IS EVEN THOUGH MY ACCOUNT WAS BROUGHT TO CURRENT! And now all they keep doing is telling me " a release has been sent to XXXX XXXX XXXX '' and every time I do, XXXX tells me they NEVER received a release authorization. Westlake and XXXX have me going around in circles for a vehicle I have already paid them for. I have already lost days of work and could possibly lose more, which in turn, believe me, Westlake will be the last bill I'll be catching up on since they'll just take it from me no matter what I do. I mean honestly, how many other companies will repo for being late 1.5 months? I genuinely don't know, since I've never had a vehicle repossessed before.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: IN
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: MO
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:
Once again experian starts closing complaints without having addressed any of the issues which is NOW EXPERIAN HAS STOLEN 18 months of on time never late payments to XXXX and refuse to give them back

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 2023-12-07
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: Account status incorrect

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that XXXX has admitted that I was a victim of this breach and that XXXX has done nothing. Please help me have the items from XXXX, Experian and XXXX removed from my credit 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 explanation
Consumer complaint received 2023-02-08
Company: CL Holdings LLC
State: AZ
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:
Jefferson Capital Systems LLC has reported to the 3 credit bureaus that I owe {$2500.00}. All three credit bureaus have been provided inaccurate information, and are inconsistent. One of the main credit bureaus has " closed '' the account. I have sent Jefferson Capital Systems LLC a debt validation letter and they never got back to me. Jefferson Capital Systems LLC has continued to inaccurately report to the credit bureaus, without validating ownership.

Company response to consumer: Closed with explanation