BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NE
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 involves Experian, XXXX and XXXX. The case about debt collection with National accounts systems is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. Experian did not even bother to respond.

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 2019-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
XX/XX/XXXX my and my husband 's credit reports were pulled to determine our qualification for an auto loan. A few different creditor agencies took a look at our credit report and we were qualified for the auto loan through Capital One and then today I see our credit reports were pulled once again ( XX/XX/XXXX ) for an auto loan. We didn't re-apply, so we need this disputed or fully explained as to why our credit was pulled ( HARD HIT ) again after 30 full days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, Experian is showing 1 student loan on my credit report. 3 credit cards. I actually have 4 student loans and 3 credit card accts, for a total of 7 accounts. On XX/XX/XXXX Experian ( closed 2 of my XXXX, XXXX XXXX XXXX XXXX  accts ) decreasing my score by XXXX. These XXXX XXXX XXXX XXXX  accts are " Installment Loans '' and are suppose to be listed on my credit report. On XX/XX/XXXX I filed a dispute with Experian. On XX/XX/XXXX my score increased by XXXX. On XX/XX/XXXX my score decreased by XXXX. I called Experian, mentioned my dispute regarding my accts closed, asked why my loans were closed. CSR said they're not showing closed. I explained they're obviously closed on my end, that's why I'm calling. Tried to dispute online, it wouldn't allow another dispute regarding the same matter. XX/XX/XXXX my score was decreased again by XXXX. So, I sent paperwork ( certified ) on XX/XX/XXXX to dispute this incorrect information regarding my 2 XXXX XXXX XXXX XXXX  ( XX/XX/XXXX deferred ), are deferred ; however, I've still been paying them monthly. They have decreased by score a total of XXXX by closing my 2 XXXX XXXX XXXX XXXX  ( Installment loans ) accts Experian has decreased my years of credit history for my XXXX Dept of XXXX XXXX XXXX XXXX XXXX  ; therefore, decreasing my actual score. As of XX/XX/XXXX, Experian disputes are done. Nothing has been added! My credit report still reflects only 1 student loan and 3 credit cards, 4 accts when I actually have 4 student loans and 3 credit cards for a total of 7 accts. I talked to a CSR at Experian today, XX/XX/XXXX, I asked why my Direct XXXX XXXX XXXX were closed, she said, She sees only 2 loans. She said, Experian is reporting what XXXX is sending them. She didnt go any further with my other 2 loans not being on my report. I told her I'm paying all 4 of my loans monthly. Obviously, I know how many loans I have. I called XXXX, the CSR said there were no disputes through Experian in their system. She said, they are reporting every month and all of my loans are open not closed. XXXX, XXXX, XXXX are showing all of my loans open as well. Experian Dispute Report # 's, 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX 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 XXXX 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 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 2022-09-09
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 a collection notice appeared on both my husband and my credit report. I immediately checked the notice for each and, there was a collection notice from Sunrise Credit Services on each account. Both collections were for XXXX XXXX but for different amounts. On XXXX 's account, it was {$1600.00}. and on My account ( XXXX ), it was for {$1400.00}. I immediately contacted Sunrise Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX on XXXX. I explained that these outstanding debts did not belong to either of us. They offered to accept lower money reimbursement in lieu of the full amount. I again explained that we did not owe either of these debts. We have NEVER had an XXXX XXXX account. We are both over XXXX XXXX XXXX, my husband has XXXX and we have always had very good credit. These bills do not belong to us and we have NEVER received a statement prior to this appearing on our credit reports at XXXX, XXXX, XXXX XXXX. They will not remove it and, after I disputed these via dispute method with the credit reporting agencies, was told the debt stands and the company has said it is our debt. It is definitely not. It just is not ours. Someone either has done this as identity theft or fraud. Please 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 explanation
Consumer complaint received 2021-01-27
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Called 2 family members asking for me and wanting information to contact me. 
I called and spoke to a woman named XXXX. She immediately asked my name, social security number and address. Did not state the reason why and could not tell me the amount or name of debtor. Wanted my credit card and bank information to pay a debt that isnt mine. She said she would send me a letter via email of the breakdown of the debt and nothing ever arrived. This company is calling my family and myself and it is harrassment for a debt I do not owe or the company fails to prove it is mine.

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 2019-06-11
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
I financed a car through XXXX XXXX, a buy-here-pay-here car dealership in XXXX PA in XX/XX/XXXX. My car note was for the most part always paid on time, however had been towed twice previously due to lapse in insurance. Dealership towed car XX/XX/XXXX due to late payment, expired inspection and accused me of selling drugs. Advised the company that I had attempted to get information on warranty and getting car serviced several times but their service center would never return calls and repairs were too expensive. Visited Dealership XX/XX/XXXX to try to bring account current and work with company on an agreement to get car inspection fixed, but company stated the " owner '' wanted remaining balance paid in full. Car loan was 35 % of the way paid off, and no late payments ever reported. I was not willing to pay XXXX on car, took what I could from my car and left. Nearly 2 months later, I have attempted to dispute credit reporting twice and the company has not reported on the car since and has not updated it on my credit further preventing me from getting another car.

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 2023-09-27
Company: CRED Technologies dba cred.ai
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 XXXX XXXX  sent me a check for a refund that was due to me before I requested the account closure. The check was written to me ( First Name on check ) and my husband 's ( Second Name on check ). Please see attachment. I received this check around the XXXX or XXXX of XXXX and install tried to Deposit ( as I should ) into my Current Bank account. Cred.Ai and they denied the deposit for the very reason, " Payee do not match account holder '' when it actually does. Please see attachment. I called the right away after finding out the denial email and asked them for an explanation. First lady was very apologetic and set me off after she continues to say, " There is nothing we can do ''. On my second call, I found out, that there were actually something she could've done, and is, the opening of a ticket for someone higher up to take a second look. Today XX/XX/2023 I received a response from XXXX. She said the same thing everyone else is saying. 

I had made my research and there is no mention on their agreement about depositing a check from a joint account that had been closed at my request. Also, I went ahead an research the web about this same topic and I found that a joint account functions like a standard account, such as a checking or savings account, and allows anyone named on the account to access its funds. All owners can withdraw cash, write checks and make online payments. Also I found that If you have a joint account with your spouse or partner, the bank can require that both of you sign the check if it's made out to two people. If the check is written out to just one person, either person can cash or deposit the check into the account. 

All in all, If the check is issued to two people, such as XXXX and XXXX XXXX, the bank or credit union generally can require that the check be signed by both of them before it can be cashed or deposited. 

So, if XXXX XXXX  ( A National prestigious Institution ) was able to write down, both of us names knowing this is a forbidden or punishable WHY did they do so then? 

With all being said. I would like to find out what is the issue with my check being deposited into my current Bank account and if this an error I would like them to amend their Deposit agreement showing this new information. 

Check 's counting and account numbers had been blurred out for their protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

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 2021-09-25
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just recently opened up this checking account with Citibank and now my account is under review. I dont know why its under review and can't nobody tell me why its under review. I have {$600.00} in my account and i don ; t have access to my funds. The number i provided so they can validate isnt working per their request but when i called my cellphone company my number is listed as me. All this happened on XX/XX/XXXX. No actions and i cant get no help. I just want my money. The company just giving me the run around and I provided every information they needed to unlock my 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 non-monetary relief
Consumer complaint received 2017-06-28
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Complaint # XXXX was filed against IC System and I received a very vanilla response to my concerns about them trying to collect an unverified debt. I have no idea what this debt concerns. I spoke with this company and they came to the conclusion that the address is incorrect where any so called notices were sent. CFPB you have my correct address so please ask them to verify it. I also requested them to send me any information used to verify this debt and what methods they used to verify it. Nothing was provided to me. I never used XXXX 's services and never will. I now have a paper trail and will definitely contact a lawyer and sue I C System, they are used to it by now.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: KY
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.

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 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 2022-09-09
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX XXXX, account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX  hard inquires on XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX. 

XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXX  I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX XXXX. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. 
Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX. 
Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXXXXXX XXXX Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. 
Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. 

CERTIGY PAYMENT SOLUTIONS, LLC... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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'm having extreme difficulties with Capital One. My family purchased 3 tickets to NY and due to COVID could not go. Within a very reasonable amount of time we contacted Capital One and they were very nice about it and reversed the charges. That was MONTHS ago.

I had issues with the rewards program and their customer service. I opened one CFPB complaint where I was just ignored and Capital One did not address the questions. I opened another CFPB complaint and they stated " can not respond to unauthorized user ''. 

Right after the second CFPB complaint, Capital One put the plane ticket charges BACK on to my credit card balance! I received the response from CFPB complaint XXXX questioning miscalculated rewards points the same time I discovered they reversed the plane ticket charges from XXXX. 

This move on Capital One 's part is 100 % in retaliation to me opening CFPB complaints and questioning them not issuing the correct rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had a problem with Equifax in the past where my credit report has split into two because the file is too large. I am very concerned that this has happened again because there are large chunks of information missing from my credit report. If the file is too large they can remove the duplicate accounts I have told them numerous times are duplicates. Also, I see that there is a block on my credit report so I can't receive promotional offers. I never authorized this and want it removed.

Company response to consumer: Closed with explanation