BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Also, these accounts have been transferred. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: OR
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 have collections on my credit report that do not belong to me. I have tried to dispute these with evidence due to identity theft but the credit bureau continues to say these belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Incorrect information is being reported by EWS. After reviewing my EWS report, the trial deposits from an external account to XXXX XXXX XXXX XXXX XXXX XXXX  are coded as returned transaction. A complaint was submitted to EWS but the accuracies continue to appear on my report. Below are the dates of the trial deposit transactions XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} Based on the transactions amounts, it's very clear that these are ACH trial deposits

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX  Balance details 0 % paid off Balance {$6200.00} Balance updated XX/XX/XXXX Original balance {$5200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was online and I applied for a XXXX  XXXX XXXX XXXX and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX  XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received a credit alert that one made financial put a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Nelnet, Inc.
State: CA
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:
My credit report is showing late payments to Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nelnets customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX 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 2022-10-07
Company: Carvana Group, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022, I exercised my right to rescind my credit consumer contract with CARVANA LLC pursuant to Truth in Lending Act, 15 US CODE 1635, Regulation Z, and 12 CFR 226.23 due to CARVANA LLC not providing me with all material disclosures to include my federally protected right to rescind which is a violation pursuant to 15 USC 1635 ( a ), Regulation Z, 12 CFR 226.23 and 226.17. CARVANA LLC received my notarized notice, special POA and IRS form 56 via REGISTERED MAIL XXXX and Return Receipt signed by XXXX XXXX on XX/XX/2022. 
XXXX XXXX XXXX also received these notarized notices via REGISTERED MAIL XXXX. On XX/XX/2022, I filed a CFPB Complaint due to not getting a response, the complaint ID is XXXX, CARVANA LLC told the CFPB they would comply with my Power of Attorney and give me the title to my private property which they have yet to accomplish, XXXX XXXX XXXX is now in violation of 15 USC 1692 ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, 15 USC 1692f Unfair Practices - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.

( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement, and 15 USC 6802 ( b ) ( 1 ) ( C ) for furnishing my nonpublic personal information to XXXX XXXX who illegally and unlawfully stole and transported my private automobile on XX/XX/2022 and plan on selling it which is a violation of 18 USC 2312 TRANSPORTATION OF STOLEN VEHICLES and 2313. I am entitled to actual damages under 15 U.S CODE 1692k ( a ) ( 2 ) ( B ) THE CREDITOR IS RESPONSIBLE FOR THE ILLEGAL ACTIONS OF XXXX XXXX  BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, car was broken into and my docments was stolen and i atthached the police report made by the following companies 1=XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

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 2022-12-05
Company: BARCLAYS BANK DELAWARE
State: RI
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:
In XX/XX/2022 I put a deposit on a vacation for the amount of {$1800.00} using my Barclaycard. In XX/XX/2022 I received my statement and paid off the balance in full. 
Due to the vacation area unfortunately bearing the full impact of Hurricane Ian in XX/XX/2022, I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX and cancel my vacation and retrieve my deposit back. They refused. I put in a dispute with Barclays for the charge of {$1800.00} in XXXX of 2022 and that amount was credited to my account. I asked for Barclays to be send it back to me in the form of a check as I had cancelled my credit card and I was sent the amount of {$1800.00}. 
I did not cash the check as Barclays was contacted by XXXX  who told them I had to pay the deposit. Barclays sided with XXXX and closed my case. 
I sought legal representation and the lawyer managed to get XXXX to agree to cancel my vacation, as they were unable to provide me with lodging. 
Barclays is saying that they are unable to obtain funds from merchant, and XXXX is saying funds were released to Barclays in XXXX upon my initial dispute. 
Barclays now have sent me a statement, as they believe that I owe them {$1800.00}, and it is collecting interest daily. They have sent my information to the Credit reporting agencies. 
I have spoken with many different representatives ( 25 plus ) and they are unable to help me, nor fully understand the problem. Each time I call I have to speak with a different person, who gives me different answers. They have truly complicated a very simple issue.

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 2020-01-06
Company: EQUIFAX, INC.
State: MS
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:
In 2011 we filed for Chapter XXXX and subsequently an order was entered disallowing the claim which converted this debt to non recourse. The debt was then sold from XXXX XXXX  to XXXX. XXXX is reporting missed payments on Equifax. We contend the loan is non-recourse and these entries should be removed. They were removed via contact by XXXX XXXX and then replaced a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an update on my credit reports stating that I owed capital one auto finance XXXX for a auto loan that was not in my name. My name was fraudulently added to this account and I have provided evidence to the company in form of a filed police report stating that I have not opened an account with this company. This account has been reporting on my report for 7 years now. I can not get extended credit due to this account inaccurate reporting. I have tried everything possible to resolve this issue my next step is to file a lawsuit against capital one for their unethical collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is reporting a charged off/closed account with late payments from XXXX XXXX which is a direct violation to the ftc

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX Account # : XXXX I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain, Per the Fair Credit Reporting Act this is a violation of requisite Metro 2 Compliance reporting standards and I also have the right to a fair and accurate credit report, therefore ant information that is not true, accurate and verifiable is required to be removed. I demand you remove the inaccurate information immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my report showing your compliance with all FCRA and Metro 2 Reporting requirements.

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 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I submitted my payment in full and in a timely manner via check sent through the USPS for the payment period of XXXX of 2023. XXXX is roughly XXXX miles from the processing facility in XXXX XXXX, unless ponies are still the backbone of the USPS mechanism, the envelope should have been received well in advance. Yet, I was charged a late fee of {$25.00}, and interest of {$39.00}, which I dispute. Additionally, I expect on my next bill to see some interest blood money added on. I can not control the mails, but when I drop the payment in the box in a timely fashion I do not think unscrupulous banks should be able to delay reception of on-time payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know the MAIL-BOX RULE has been upheld in countless cases, yet ignored by the financial system who nickel and dime honest people to death with fees and interest. I want all fees and penalties dropped and whatever sum they tack on next month to be waived in good faith. I'd like also for racism to end and for women have a fair shot in the workplace without having to smile and take it when harassed..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: EOS Holdings, Inc.
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: Information belongs to someone else

Complaint:
Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX Solutions which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

XXXX. XXXX Credit card XXXX. XXXX XXXX XXXX residential According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

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 2022-08-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased furniture and home items from XXXX in 2020 using promotional Synchrony Bank credit card that was XXXX deferred interest. I was advised to pay a specific amount each month to avoid any interest charge and be sure it was paid off before promotion ended. I called Synchrony to adjust the payment since there was a second charge on the credit card and set up auto pay to ensure that there would not be any late payments. I checked my account on-line because I was not receiving statements in the mail and found that the balance seemed to be increasing. I called Synchrony and they advised me that the second purchase for over {$1300.00} was charged more than {$700.00} in interest as it was on an XXXX promotion, not XXXX and had recently ended. I tried to work it out with Synchrony, made several calls but was not getting anywhere, so I contacted XXXX. The XXXX store representative just sent some invoices by email, one that was not accurate and did not offer any other assistance so I called Synchrony again. They were not willing to waive the interest charge because, we were now past the grace period. I informed them that I called several times within the time frame to dispute the unexpected charge. I believe that they mislead me, did not advise me of 2 different promotion due dates. They did not call or notify me that the promotion on the second purchase that was nearing the end of promotion and that I could pay off the balance within that grace period. I did not receive statements in the mail as requested because I rarely use the internet. I would have made larger payments or simply paid it off with no problem. The only reason why I financed the items was because of the XXXX deferred interest. I have paid off goods and services in this way before without any problem with other credit cards using automatic payments. I stopped the auto pay and will go to court if they are not willing to work with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief