BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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:
XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an XXXX XXXX XXXX Opened XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that conta My identifying information is as follows : Lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, drivers license, an If you are unable to verify the account with the original contract, the information should be removed from my c Sincerely,

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
The items doesnt belong to me. I dispute the items with the creditor and the creditor sent me letter stating they dont verify public records to credit bureaus or third parties. I sent over documentation servers time and they refuse to block or delete. I contacted LCI TransUnion which is the third parties they use over 10 times no one replies back via mail, email or phone calls its been over 6months.

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 2022-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not know what debt they are talking about. 

The company is a profile recovery associates and they call from several different phone numbers everyday. 

Every time I answer it clicks and takes about XXXX seconds, before anyone says anything. 

The call are clearly automatically done. 
I receive anywhere from XXXX to XXXX calls a days from This company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020, The professional Credit Service is trying to collect money from me on behalf of ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) for the service I did not receive. I have been trying to dispute this wrong billing directly with XXXX but they disregarding my dispute and is continuing to hold me accountable to pay {$300.00} for the wrong service they performed on me. They have now sent my unpaid bill to be collected by the collection agency, I tried to dispute with the Professional Credit Service but they couldn't fight and get me fair response from XXXX. 

I went to urgent care on XX/XX/XXXX to XXXX in XXXX XXXX, CA, for a COVID test, the doctor who saw me ( DR. XXXX XXXX XXXX ) did not do the Covid test but they performed another kind of XXXX XXXX XXXX on me without my approval and now charging me for it!. I have been fighting this battle since XXXX this year and now I'm being forced to pay for something I didn't want. 

I fear that if I do not pay, they will ruin/impact my credit. I have a well reputed job, I have an excellent credit score and I believe in paying all my dues on time but I do not believe in getting billed wrongfully and being forced to pay. 

Hope you will consider my complaint and take the necessary action and support me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 XXXX Account # XXXX, has violated my rights. 16 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: MD
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 AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited 2 checks, totalling XXXX on XX/XX/2023. The checks were from the same bank. They immediately placed a hold on the checks, without informing me at a branch location. I called the business number, for them to tell me, I need to call back the following XXXX XXXX, and they would release the hold and the funds. I informed them I have payroll due on XXXX XXXXXX/XX/XXXX. And they said it shouldnt be a problem. I called back on XXXX XXXXXX/XX/XXXX, for them to tell me there shouldnt have been a hold, and the supervisor filed a complaint, but informed me the funds would not be released until XXXX XXXXXX/XX/XXXX. I was told to write bad checks so I dont lose the laborers. I lost XXXX laborers due to not being able to pay them on time. I called back XXXX XXXXXX/XX/2023, they finally released the hold. And told me to call back on XXXX XXXXXX/XX/2023, the funds should be released and available on XXXX XXXXXX/XX/2023, and I called today XX/XX/2023, for them to tell me the funds would not be released until XXXX XXXX. As of XXXX XXXX funds are not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Credit report is reporting inquiries that I do not have an account with. This is effecting my credit report severely to where I can not get jobs or a home loan.

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 2023-08-17
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 2021 I had a credit card with XXXX, the account was supposed to be closed with no harm to my credit report however that wasn't accurate and they marked it as delinquent eve though they utilized account to approve unforseen fees. I asked if it was taken of my report they said yes however it wasnt

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 2022-12-22
Company: EQUIFAX, INC.
State: TN
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:
my information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I don't recall non of these inquiries. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it 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 2020-12-06
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Purchase a vehicle from carvana on XXXX, delivery and financing were completed with out problem. Fast foward 2 months and never received the new registration for the vehicle. Contact carvana say its okay they will process the registration before the temporary plate expires. I call carvana again a few days before the temporary plate expires and they claim they do not have the title for the car, that is why they have not registered it yet. Carvana then states it will be completed before the expiration of the temporary plate which is XXXX. Call carvana the day the plate expired they magically have the title and say the paperwork will be completed soon, leaving me a vehicle i can no longer drive. Offering no reimbursement at that time. Carvana claims paperwork was submitted on XXXX and offering to refund a months pay for {$280.00}, since im required to take taxi 's to and from work because i can not drive my vehicle due to their negligence. This amount only covers 5 days worth of taxis. On XXXX carvana contacts me saying the new registration is on its way via fedex and will require a signature to deliver. I request a tracking number so i can have someone be able to sign for this package. Carvana customer service claims they can not provide a tracking number. They will no longer respond to calls or chats on there website. It has been 3 weeks since i have been able to drive a vehicle i am paying for with no information as to when or if they actually have registered the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: IN
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my 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 2023-07-09
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: Information belongs to someone else

Complaint:
In the month of XXXX I sent a letter to this agency announcing the errors it presents in my credit report negatively affecting my credit, so I kindly ask that this account be 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 2023-07-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have spoken with XXXX, XXXX, Experian, and XXXX countless times in an effort to have XXXX properly furnish my student loan accounts to the three major bureaus but have not had any success. XXXX continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from XXXX XXXX, yet only XXXX is properly reporting my accounts. XXXX and Experian both say they have not received anything from XXXX while XXXX supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, XXXX and Experian still do not show my accounts. 

Per a XXXX supervisor, I provided screenshots of my credit report showing only a single XXXX XXXX account and no XXXX accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the XXXX XXXX to XXXX transfer, I need my XXXX student loans to be reported to the bureaus ASAP.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-02-25
Company: CMRE Financial Services, 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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and CMRE Financial. The Account Opened is CMRE Financial Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$110.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: DE
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 was involved in a car crash in XXXX where my car was totaled and the gap insurance paid off car which has left a balance on car of XXXX plus dollars. And it is still showing open with a late payment for XXXX years consecutively. I have made several attempts to pay debt but also asking the creditor to remove late payments they are refusing which is very disheartening. Because this is crushing my credit worthiness and affecting my life from moving forward. I am willing to pay amount in full but I have been trying to work with XXXX XXXX and they are making it very difficult for me. According to 15 USC 1666 B timing of payments a creditor should not treat a payment under a open ended consumer credit plan as late for any purpose. unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required.

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 2020-08-17
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Further information needed into the accuracy of Mr.Cooper 's reply letter dated XX/XX/XXXX. 

Your letter claims no post-petition made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Can you please acknowledge the Chapter XXXX bankruptcy court 's confirmation date of XX/XX/XXXX? If this is correct, no repayment schedule ( plan ) had been approved by the Bankruptcy Judge/Trustee for that XX/XX/XXXX payment. This would be the reason for no payment. Transactions # XXXX, # XXXX, and # XXXX of XX/XX/XXXX, should have been moved to post-petition payments after confirmation repayment approval. Please see the payment transactions from your attached reply ledger. Transactions # XXXX, # XXXX, and # XXXX ( page 29 of 43 ), do these amounts not cover the missed payment for XX/XX/XXXX? Transactions # XXXX, # XXXX, and # XXXX ( page 24 of 43 ), do these amounts not cover the missed payment for XX/XX/XXXX? 

Please explain Transaction # XXXX labeled XXXX XXXX XXXX ( dated XX/XX/XXXX ) and # XXXX labeled XXXX XXXX XXXX ( dated XX/XX/XXXX )? Both seem to be the same code used at Transaction #  XXXX that transferred this loan to your mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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 have contacted  Nissan  in writing about enacted information like placing unauthorized inquiry on my credit report. Also I have contacted the  XXXX  credit bureau about information that should have been removed to update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: W&A Intermediate Co., LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted multiple times by phone by a company calling itself " Wakefield & Associates ''. When I answered their call about six months ago, a man named XXXX told me I owed roughly $ XXXX {$250.00} which I had never been notified of. I requested that they send a debt validation letter but they said they already sent one and said it was sent to some po box I didn't recognize. I gave them my actual address so that they could re-send the validation letter but I never received the letter. They stopped calling after that so I assumed it was a scam. 

Then on XX/XX/XXXX, I noticed that they put a hit on my credit report. I disputed it and it was removed from all three credit services that day. 

Despite all this, I just received another call from XXXX at Wakefield & Associates today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: AMERICAN EXPRESS COMPANY
State: MI
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 am disputing American Express ' presentation of three auto-payments that were not authorized by me, and were not applied to my American Express account ( in the total amount of {XXXX} ). I did not notice the fraudulent withdrawals until early XXXX as my husband was in and out of the hospital for many weeks. I contacted American Express help desk and was told that American Express could n't help because the bank was the one that authorized the payments. I then contacted XXXX XXXX, and they did review the transactions, but they explained that payments are made to American Express based upon the information American Express provides. 
Attached is a print-out of my account showing all withdrawals made by American Express. 
In addition to withdrawing unapproved funds, the withdrawals were not credited to my American Express account. 
Attached are copies of my American Express account covering the fraudulent withdrawals which show that the withdrawn funds were not credited to my account.

Company response to consumer: Closed with explanation