BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have dispute several times that this card was opened fraudulently and im foing and will do whatever necessary to provide proof i didnt open this account. They have made no attempt asbi have not spoke to one person over the phone in this regards i filed a formal identification theft report with the property department and followed the steps im trwuired to do. This is causing a great deal of frustration and a real inconvenience for me. I just paid off a XXXX XXXX XXXX  house and have no mortage payments i dont need this capital on credit card with a XXXX balance to be the oe and only negative mark on my report its absolutely rediciculous!!!!!!!!!!!!! @ @ i want this removed immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: EQUIFAX, INC.
State: VA
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:
After several disputes with XXXX XXXX and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. XXXX provided the requested information, and there was a late paytment that I found out too late, but it was paid in full. 

For some reason, XXXX  and Equifax are showing a 'remark ' or 'comment ' where you can read settle less that full balance or paid for less than full balance. 

In previous disputes with XXXX  and Equifax it is clear it was paid in full, and XXXX XXXX confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 2019-03-28
Company: EQUIFAX, 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 have been a victim of identity theft. I have have a total of 10 collections on my equifax report and a total of 3 on my XXXX report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2021-11-14
Company: Foris DAX, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
This website actively discriminates against artists of color from utilizing their website. When asked why my application was denied, they refused to provide a reason. Under Title VII of the Civil Rights Act of 1964, no business is allowed to turn away a customer based on their status as a member of one of these protected classes. 

As a customer of their platform, I have to be given a reason why my application to sell art was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested XXXX, XXXX, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my Lexis Nexis profile be frozen. Following the investigation of the CFPB it was changed to Lexis Nexis as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi I am XXXX XXXX XXXX, Natural Person in full life propria persona status, I had an account with XXXX  XXXX, i paid off any and all balances from my checking out, however XXXX XXXX never could proccess my payments, so i then would get issued A LATE PAYMENT, i adding additional chatges to my credit account, and utilization, thus fraudently creating a story of late payments, I then used A debit card instead, and personally told them due to their infractions i want to close this account, im still receiving hard inquiries and non factual comments on my credit reort, thus lowering my score VIA TRANSUNION, i then called transunion to dispute these inquiries and i opted out and wanted to freeze any all interactions with 3rd parties inquiring or reporting to transunion, and i was unable to " freeze '' the report because they were not able to identify me, i provided my last 4 of my ssn street addresss birthday full name, and sthey stll could not 'freeze '' my report, im askinf this Burea in according with 15 USC 181 1681,2,3 to delete remove all information that does reflect XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX i ahve no auto loans mortges or have loved at any address period ive been here 15 years yet unlawful incorrect info is being reported along with XXXX  XXXX and Transunion not being able to delete hard inquirie sand permanartly freeze 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 2020-02-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/XXXX I bought a certified pre-owned XXXX ( XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX. I was shocked to find that there were {$2400.00} extra charges in my contract buying the car which are summarized as follow : 1- The purchase price of the car we agreed and I signed for was {$13000.00} before applying the rebate I was surprised that they added the rebate to the purchase considering that should be the price after the rebate is applied not before the rebate? A {$450.00} more than the price we agreed upon. 

2- In the contract I was charged an extra {$790.00} as an charges for the bank to process my loan, but after my communication with the Nissan Acceptance Cooperation ( NAC ) I figured out that my interest rate for the loan is 0 % ( my credit score is XXXX ), and there were no extra charges collected by NAC to process the loan. I asked for proofs to justify this {$790.00} charge without any response from the manger or the team. 

3- Also, the dealership added the XXXX  protection Package for  {$1200.00}, which is useless, and they refused to remove it with any benefits that might be associated with it from my contract. 

4- the copy of the contract the bank has is different from the copy of the signed contract that I have, which actually can make the copy of the bank invalid. 

5- The car has other mechanical problems and the mechanical report was shared with manager without and response. 

In summary, In addition to the cars mechanical problems, the totally amount that I am disputing is ( {$450.00} + {$790.00} + {$1200.00} = ) {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2019, I purchased a vehicle from XXXX XXXX in XXXX, AZ. I put {$10000.00} down and financed the rest with Toyota Financial Services. I was told they use XXXX, so I immediately lifted a Credit Freeze on my XXXX  account. On XX/XX/2019, I received a call from Toyota Financial about a Fraud Alert on my XXXX  credit report. I was asked to answer a couple of questions which I did. I assumed everything was resolved. On XX/XX/XXXX, I received a letter from Toyota Financial saying they were denying my credit because " Unsatisfactory resolution of investigation in response to receipt of fraud alert. '' No mention of the XX/XX/XXXX communication was noted nor was the credit bureau which was the source of the fraud alert. I am working with the dealership to try to resolve this but wanted to report this to you because the situation is egregious. I did what is required of me by law to respond to a Credit Fraud Alert by  answering the identification questions on XX/XX/XXXX. One month later to deny my loan is a violation of my rights. Thank you for consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Sir/Madam : On or about XX/XX/2022, I sent a dispute letter ( see attached ) to Experian requesting they delete certain items and send me an updated credit report reflecting that, those items where deleted. On or about XX/XX/2022, Experian responded in a letter ( attached ) an XXXX the bankruptcy was verified and refused to remove the erroneous bankruptcy and refused to provide me with an update credit report showing the bankruptcy was removed. I am being harmed by Experian 's actions and I requesting immediate assistance before this causes me irreparable harm. 

On or about XX/XX/2022, I sent a dispute letter to XXXX and requested they remove the erroneous bankruptcy and other false reporting items. XXXX REMOVED the bankruptcy and corrected other various as requested. The bankruptcy court DID NOT verify a bankruptcy with XXXX, however Experian is ALLEGING that the bankruptcy court verified the bankruptcy with their agency and refuse to supply me with the verifiable proof.

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 2020-02-04
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 informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: GA
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:
I reviewed my consumer report and discovered some illegal information being displayed. Per 15 US Code 1681a ( d ) ( 2 ), consumer reports do not include transactions or experiences between consumer and person making the report. I sent a letter, certified mail, to the reporting agencies on XX/XX/2023, to which they did not respond and did not rectify this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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:
XXXX XXXX XXXX having an erroneous claim against me that's in my credit report. I'm a XXXX XXXX XXXX I've tried to have them remove this it's on XXXX and the other XXXX credit reporting agencies. This is not my account, I've told them that XXXX times and they keep saying I have an account with XXXX XXXX XXXX whom I've never heard of in my life. My next step is to call my XXXX  XXXX XXXX  to get it dealt with because XXXX is sure not helping with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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 recently got a credit report from XXXX Credit bureau. On the account it mentions an account that I allegedly had with XXXX XXXX XXXX and the account number for that account is XXXX. On the XXXX credit report it states that the XXXX XXXX XXXX account was paid in full and that the last payment was made on XX/XX/2015 and XXXX is providing this information based on a dispute that I filed. So, if the last payment was made on XX/XX/2015 and the account is paid in full then this account can not be a charged off account. XXXX and Equifax have different payment dates for this same account. How can it be that the three credit bureaus have different information on the same account and they are getting the information from the same source which is the creditor. I have submitted a copy of my most recent XXXX Credit Report and circled the payment date and the account status on the credit report. 
The XXXXk XXXX XXXX account that is reporting on my credit report is inaccurate and should be deleted immediately. From XXXX XXXX I have been asking the credit bureau for there method of verification as it pertains to this account but all I have gotten are letters stating that the account is been reported accurately on my credit report but no method of verification and this is a clear FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with t he Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score  at the moment.

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