BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
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:
I checked my credit report and found that some of the data were incorrect. 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 deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 do not have an account with this creditor. Inaccurately reporting account is open. 


XXXX XXXX XXXX Last reported XX/XX/2022 {$680.00} Open balance

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 2020-11-01
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter in the mail by Jefferson Capital concerning a debt originally from XXXX XXXX XXXX XXXX. Upon further research this account was transferred/sold to Jefferson Capital and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as XXXX, XXXX, and Equifax with non of them properly updating the info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: GA
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, it states that everything has to be 100 % accurate on my credit report. The credit bureaus stated that my accounts were properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate, etc. This is grounds for removal. They violated my rights under15 U.S.C. 1681 section 602 A ; states that I have rights to privacy. In addition, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
These accounts are listed below : XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 2020-12-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Greetings ; I have inquiry I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 used my card on to purchase hair from XXXX for XXXX with capital one upon receiving the merchandise I realized that the merchandise was not correct. I reached out to the sales rep letting her know my issue Mrs. XXXX on XX/XX/XXXX and she advised i send it back via usps but, covid had just begun and there wasn't a way to return for cheap. On XX/XX/XXXX Mrs. XXXX reached out to me and asked if i would place another order i told her no because, i still had to return the original merchandise. So she assured me and these are her exact words. " He said you can get closure only if you purchase more hair of lengths in between XXXX and minimum 30 bundles this is his deal and we talked about this. On XX/XX/XXXX she also stated and i quote That they will refund me once received their hair. I reached out XX/XX/XXXX to the representative and she keeps saying i need to reach out to the owner as well. I have contacted capital one multiple times in regards to returning this merchandise they instructed me to and they have yet to do anything I have paid interest on my credit card and been heavily inconvenienced because of this whole ordeal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Money missing from account

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 2020-11-02
Company: EQUIFAX, INC.
State: PA
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:
The beginning of this year I received a parking ticket issued to me by the XXXX XXXX XXXX. I did not pay this ticket and it eventually got sent to the collection company XXXX. 

A few months ago I noticed that the collection showed up as a " derogatory mark '' on my credit report. This collection account was opened on XX/XX/XXXX by XXXX for the amount of {$200.00} with the Original Creditor being the XXXX XXXX XXXX ( as described above ). 

Attached you will find the original past due notice for the parking ticket from the XXXX XXXX XXXX. The invoice shows the amount due ( {$200.00} ) and that it was indeed issued by the XXXX XXXX XXXX. 

According to the National Consumer Assistance Plan instituted in XXXX and agreed to by all 3 credit bureaus, collection agencies can no longer report unpaid debts to the credit bureaus that did not arise out of contracts or consumer agreements. This includes parking tickets. Since the above mentioned collection is a parking ticket, its appearance on my credit report is in direct violation of the National Consumer Assistance Plan and should be removed from my credit report. 

I have contacted and filed disputes with all 3 credit bureaus concerning this matter. XXXX and XXXX have both successfully removed the collection from my credit report. Equifax, on the other hand, has denied my dispute and has not removed the collection from my credit report. 

I am requesting that you contact Equifax and have them remove from my credit report the collection that is in violation of the National Consumer Assistance Plan. 

Thank You! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX****-Balance {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****-Balance {$380.00}

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 2023-08-21
Company: Experian Information Solutions 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:
i wrote to XXXX, Experian, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. however, the accounts are continuing to reports errors on my credit profile, which is causing damage to my credit score. 

Accounts : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 2022

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 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
You closed a case that was not resolved with Capital Oneconcerning unfair lending practices. My complaint is against Capital One and you for closing the case without resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: GA
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 these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Exeter Finance Corp.
State: FL
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:
EXETER FINANCE CORP is the worst company I ever financed a car from in my life. I was involved in a 75 % life threatening accident that was cause by the other partys who is at fault for the accident. I was hospitalized and fractured my XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX also my left XXXX  was dislocated. I was in serious pain and have to conduct a XXXX  procedure. I informed the insurance company about this matter and also the finance company THE SITUATION. After informing the finance company they breached my contract without knowledge with a letter saying my car has been repossessed. I never been late on a payment and the car was at the impound for 24 days the insurance was trying to get the vehicle but couldnt retrieve it because the finance company repossessed the vehicle. Now causing my XXXX XXXX to drop dramatically over XXXX points. I will file an additional lawsuit for {$1000.00} for ever point my scores was dropped due to this matter. I will file additional complaints for in the amount of {$75000.00} for pain and suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 CAPITAL ONE XXXXXXXX. 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 CAPITAL ONEs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
State: NC
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:
i have no clue about the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2018. Please investigate please. I don't want fraudulent activity on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.

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 2020-11-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX and I just received a letter the mail saying that a company called LVNVFUNDING, LLC is going to sue me on a debt. The court date is for XX/XX/2020. I know my rights but this is really getting out of hand. I dont know why they forcing me pay for something when its already on credit report. They had tried this before on sending a person to my house serving me papers that I was due for court but there wasnt no time or date on it. I really need someone to help me out with this one because they cant be doing and harassing me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MS
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 called the XXXX, Experian and XXXX after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates payments will be removed. 
XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX XXXXXXXX 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 2020-11-02
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home equity FHA mortgage loan is through PNC Bank. I've been being harassed and threatened to have penalties and fees for payments I can not afford at this time. I've been trying to apply for the forbearance due to me having no job, and family members that have passed away due to covid. This national pandemic has taken a toll on my income and family. Under the CARES ACT I'm suppose to be protected and able to apply for a pause on my mortgage. PNC bank however, is denying me the right, when I ask for the forbearance they inform me of only having a loan modification program and hardship program available which both requires approval and can take over 30 days, it also requires a 17 page form to fill out with copies of my bank account funds. Many of PNC bank members are having the same issues with PNC denying them the right to apply for forbearance. PNC Bank is making it really difficult for myself and others through these difficult unforeseen times. I need help, and would like to file a complaint against PNC bank for not abiding by the Cares Act law. They are threatening to have me homeless and are causing me emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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:
id theft victim this account is not mine XXXX Opened XX/XX/2019 {$350.00} Original creditor : XXXX XXXX XXXX i have free cable through my moms work

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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from XXXX XXXX or Transunion!

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 2020-11-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Failed to remove the remaining fraudulent accounts.

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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Failed to remove the remaining fraudulent accounts.

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 2020-11-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: BARCLAYS BANK DELAWARE
State: CO
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 there is a fraudulent account being reported on my XXXX for a Barclays bank ending in XXXX saying i owe {$3000.00} I have sent Barclays bank multiple id theft inquires all have been ignored and any investigation that has been done was awful. I am now talking with a customer debt lawyer if this complaint fails to remove from my credit report I will be suing Barclays bank. 

Please resolve this and remove this account from my credit report. if this account has received payments from a XXXX XXXX then please know that the XXXX XXXX XXXX was also open fraudently and should not be used as proof of verification.

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