BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
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:
XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-07-31
Company: CAPITAL ONE FINANCIAL 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: Reporting company used your report improperly

Complaint:
On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, XXXX recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by AMEX ( XX/XX/2021 ) and I have no recollection of doing any business with AMEX .I contacted AMEX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my XXXX XXXX is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next XXXX weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One card and XXXX XXXX XXXX card identity theft and where permanently deleted off XXXX and XXXX but remains on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In the attachment it shows that experian said that this account will be removed XX/XX/XXXX, but they have not upheld their word. This account is older than 7 years, and it should not appear. In addition, they charged off the account in XXXX, then they charged off the account again in XX/XX/XXXX. This does not make any sense and I have tried to resolve this but they do not feel I deserve an explanation.

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 2019-03-31
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a vehicle in my name that ended up being charged off with Santander. Santander sold my account to a collection agency XXXX. XXXX  contacted me to see if I would be willing to settle the account for {$2000.00}. I agreed and was advised that after the final payment was made that I would receive the title and that I would be able to have the charge off removed from my credit report. I paid the agreed amount and was sent the title, however, when I contacted XXXX  about when my credit report would be updated they advised me to contact Santander since Santander was the original account holder. I contacted Santander via phone and they told me submit a dispute to have it updated. A dispute was sent on XX/XX/2019 and no response has been received. As of right now my credit report still has the payment status listed as in collections/charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$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 2022-02-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collectors from Comenity Bank in Denver and in Ohio have repeatedly called looking for somebody with the same last name. They have been told this is a wrong number, nobody by that name lives here and been asked not to call anymore. 
The calls persist, even on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My wife and I have been experiencing unforeseen hardships due to the Covid-19 Pandemic. We have 2 credit cards with CitiBank , N.A . who refuse to take our late and missed payments off of our credit bureau. The same company also refuse to work out a fore-bearence plan until we are able to start making regular payments again. Our credit was in the low 700 's before the pandemic started, now it is barely above 500. I have called and spoke with representatives from both companies, citibank for Home Depot consumer credit card and my Home Depot Commercial Revolving account. Both account max balances have also been lowered, so even if I had work, I wouldn't be able to charge materials to my account because all my balances are maxed. Citi bank phone : XXXX XXXX XXXX XXXX, I spoke to XXXX first and then she transferred me to XXXX. Both agents were nice enough but stated that they were not able to report anything other than what the account shows and that I was not available for any more " treatments '' due to the Covid-19. I was told that I had to pay {$1300.00} by XXXX XXXX, 2020, or my account would be forcibly closed and that it would reflect on my credit bureau as well. if you go to this citibank website you can see that there are many people out there with the same problem. https : //blog.citigroup.com/2020/05/working-together-to-fight-hunger-during-covid-19/

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 2018-08-29
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an outstanding debt with a previous rental company XXXX XXXX XXXX. Upon eviction there was no initial walk through performed by this company. Eviction was XX/XX/2017 and it was requested that I leave the key in the mailbox. After 30 days ( XX/XX/2017 ) I received a letter ( via email ) from XXXX, stating charges from XX/XX/2017. I had been away from the home for 21 days. I have no idea what may have happened to the property in that time frame. I did not receive any notices from the Collections Agency, Capital Accounts, so that I can request proof of debt or dispute the validity. According to my credit report this account with the collections agency was started on XX/XX/2017. I am not disputing the delinquent rent due, however I do not have the appropriate documentation for the additional charges. I have requested detailed invoicing for the additional {$2600.00} in trash removal, paint, drywall, and blinds from the original creditor XXXX and Capital Accounts. I have not received this information from either entity. I have requested in writing and via email. Capital Accounts, prior to my reaching out to them, had made no attempt to contact me in regards to this balance. And since my contacting them to request detailed invoice information I have only received one email. The balance since it has been with this company has also been apparently accruing interest, thus increasing the balance. I have disputed this through the credit reporting agencies and still have not received the requested information. One address listed on my credit report was incorrect and my certified letter was returned. My true balance due is {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 


XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$6400.00} - I am a victim of identity theft and this is not mine. 
XXXX XXXX XXXX XXXX : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX  XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX XXXX : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE NOT BEEN ABLE TO VIEW MY TRANSUNION CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
approximately around 2018, I started to receive calls from Audit and Adjustments regarding medical bills. I requested an audit of the account, however, it never happened. I requested a payment plan with them and they refused to accept what I could afford at that time. Now they are calling me repeatedly wanting my address so they can have me served by an attorney to my home. Durin COVID-19 this company continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX, XXXX XXXX MoneyGram transaction for $ to be sent to XXXX XXXX XXXX . Amount was {$75.00} + {$8.00} fee. Reference number : XXXX. NAME WAS CORRECT ON RECEIPT : XXXX XXXX XXXX The following are e-mails from receiver ( XXXX ) : XXXX XXXX : Good morning. I went to the moneygram oficce. And they ask me for the amount and password. I couldnt get it Without. 
XXXX : Money amount is {$75.00}. Use this reference no : XXXX XXXX : Good nigth XXXX . 
I stop by moneygram to see if I can pick up the money. Its already here but my name saids XXXX XXXX and its need to saids XXXX XXXX XXXX. Hope you can fixed. Thank you very much. 
XXXX XXXX : Good nigth XXXX. 
I went to moneygram office to pick up the money. Its alteady in XXXX but my name has a problem. It sais XXXX XXXX and its need to saids. XXXX XXXX XXXX. I couldnt get it until my name be corectly. Thanks again. 
XXXX XXXX : Hi! XXXX How are you. Hope you be ok. 
I went to moneygram office. Money its here. But my name its wrong. Its saids XXXX XXXX. And it sould saids XXXX XXXX XXXX XXXX : Can you fix it please. Otherwise it wont be paid it to me. Sorry for the inconvenience..thank you. 

XXXX : Still im having problem with the money. They said it wont show up this time. Is kind of frustreited ... see if you can fixed. If not dont worrye. Thank you very much. And sorry for all this running on you ... 
XXXX : XXXX XXXX Its me again. Money gram office said you have to change the number refetence. And fix the way they wrote my name Otherwise I cant cashed. Hope you can do it. Thanks. I spend like XXXX dolls. On gas I went to a diferent money gram office. 
XXXX : ( me sending response ) What a XXXX disgrace. Anyway, Moneygram changed the name to read : XXXX XXXX XXXX. The reference number is o.k. : XXXX. If this is not successful, get me the phone number - full number with country code, etc. of the agent you are dealing with so I can try to have MoneyGram call them. Feel bad you have spent so much $ on gas. I am going to call Money Gram in Minnesota to complain. 

XXXX : Thats my phone number. I will stop at moneygram today and see if I can have the money. They open at XXXX I will sen you a email soon as I have an answer. Thank you. 
XXXX : ( me sending response text ) if they hassle you, tell them they are supposed to call their office and confirm the transaction. 
XXXX : Good afternoon XXXX . finaly I recive the money. Thank you very much and sorry for all this running.. it was hard for you. Thanks for XXXX money. Wish you the best and XXXX bless you ... we are on touch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i recently sent a letter to the Portfolio Recovery associates llc and in That letter also clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since THEY HAVE continued to call and harras me after receiving that letter that clearly stated for them to provide relationship documents between origional creditor because i did not receive my formal notice of the debt being sold to a third party that fcra clearly states they must do and follow. they are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
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:
The company os not really looking into my credit report issue. Now since this is the third communication. The company has continued to report items on my report which can not be linked to me if they actually contact the company or court and require them to provide proof of the debt or records that justify the documentation on my credit report. This would clear any misunderstanding and the information that needs to be updated will be updated. The company act as if its not their responsibility to obtain all documentation that legally ties me to any debt or public records that are listed on my report. I am now needing the exercise my rights using FCRA 609 guidelines which require them to follow what I mention.I also can't get a refreshed credit report and calling the customer service number, was know help. I ended up getting a report that was 10 days old and I am seeing that same report everytime I ask for a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
XXXX/XXXX  have recently reported myself & my husband as 30 days late for XX/XX/2017, on both of our credit profiles. This is ABSURD, as I have always made my payments on time and am showing a status as " current and up-to-date '' each month, on my credit profile from the date that they reported it until present. Please investigate. This is a fraudulent 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 2019-08-27
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company : DEBT RECOVERY SOLUTIONS, is reporting to Consumer Credit Agencies a debt of {$780.00}. 
The only information provided is " Original Lender : XXXX XXXX XXXX XXXX ''. 
There is no information to prove that this debt is valid, or if it can be reported, and I have no information regarding this debt. 
There is no information about when this debt was originally owed, or placed for collection, and they have provided no information to support it. 
The information of the company is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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