BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MI
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:
There are collections on my credit report that were 1000 % not done by me. So here is the order I followed. 

1. I obtained my credit report from XXXX. Once I identified fraudulent items I sent letters over 35 days ago certified to all of the collection agencies to remove them. 

2. When I got no response by doing that I submitted a case to https : //www.identitytheft.gov/ and provided the case number with my previous cfpb submissions as well as screenshots of the fraud on my report. 

ID FOR COMPLAINT SENT TO EQUIFAX CREDIT BUREAU XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX AGENCY XXXX ID FOR COMPLAINT SENT TO XXXXXXXX XXXX XXXX XXXXXXXX I also called all 3 credit agencies directly to get no where. 

To this day close to 40 days later and the fraud items have not been removed!!! 
Federal law for consumer protection as well as timelines have not been followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you with great urgency and frustration regarding the presence of fraudulent items on my credit report. I have recently discovered these inaccuracies, and I insist on their swift removal to safeguard my financial integrity. 

The fraudulent items on my credit report are causing considerable damage to my financial life. They have unjustly lowered my credit score and have hampered my access to loans, credit cards, and other financial services. This situation is not only unfair but also jeopardizes my financial well-being. 

I demand the following actions to be taken promptly : A thorough and expeditious investigation of the fraudulent items in question. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I expect this matter to be resolved without delay. It is my right as a consumer to have an accurate and just representation of my credit history. Failure to rectify this situation promptly may compel me to take legal action to protect my rights. 

Enclosed with this letter, you will find evidence supporting my claim and facilitating the investigation. Please acknowledge the receipt of this complaint within 15 days and provide information on the steps being taken to resolve this matter. I am asking for your immediate assistance to remove the following fraud items in my credit file : 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 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 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 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Pottery Barn | Capitol One credit card has a due date for payments but will charge a late fee after XXXX EST on that date. The company only acknowledges when the payment posts from processing several days later yet the online account will immediately reflect the payment. Your actual payment date is not acknowledged unless you specifically ask the representative. This practice is structured to incur late fees from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently recieved a copy of my consumer report. I noticed that CAPITAL ONE was reporting to my consumer which I did not authorize. According to the XXXX XXXX, institutions must develop and give notice of their privacy policies to their own customers at least annually and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. I THE CONSUMER DID NOT RECEIVE THE OPPORTUNITY TO OPT OUT so I am exercising my right to opt out NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written unwritten verbal or nonverbal per 15 U.S.C. 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a XXXX ( XXXX?, would not provide last name ) of Transworld Systems Inc. on XX/XX/2022 from approximately XXXX XXXX. to XXXX XXXX. The purpose of my call was to confirm their mailing address. She provided a mailing address in Delaware. There are two mailing addresses on the notice neither of which are in Delaware ( both in PA ). Consequently, either TSI XXXX XXXX is intentionally sending misleading/insufficient/illegal notices to debtors or is misleading callers to send disputes to the wrong address such that the debtor waives their rights and the presumed debt becomes valid. I have not attached documentation due to HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}

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 2020-03-03
Company: Kriya Capital, LLC
State: KY
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: Problem with personal statement of dispute

Complaint:
The issue I am having is with a debt collector reporting on my credit, by the name of Credence Resource Management. They reportedly bought the debt from XXXX XXXX The issue with this is, that it was a joint account ; and the amount due was for a payment on new smart phone devices that were signed for and had the signature of the other person on the account. I went to the XXXX store at the time it was added to my bill, and fought with XXXX, because I was closing out the account with this person. We came to an agreement I would pay the cancellation fee of the account which was {$600.00}. This happened in XXXX of 2016. They agreed to take my name off of the account once I paid the cancellation fee, and put the remaining balance in the amount of {$2700.00}, in his name ; since the signatures for purchasing the devices was his signature. I am not responsible for this debt, I payed XXXX what I owed, and my name was to be taken off the account. Please remove my name from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 which was my latest certified letter sent, I updated my personal information with these credit bureaus. Its been OVER 30 days. No information has been corrected. This is stopping me from getting employment and into a new vehicle. I just had a XXXX  XXXX XXXX  ago this is a hindrance. Because by law this information shouldve been updated. Also my information was sent to a collection agency that I have no contract with. That is a breach of my privacy and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: General Motors Financial Company, Inc.
State: AZ
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:
GM Financial has reported me late for my lease payments on XX/XX/XXXX and XX/XX/XXXX. I called GM and spoke to a representative on XX/XX/XXXX and informed them they falsely reported me. The Rep told me I was reported late for ELECTRONIC Payments XX/XX/XXXX and XX/XX/XXXX, I told the Rep my credit report shows me late for only XXXX and XX/XX/XXXX only. I was told to fax proof of payment to GM, I faxed to the Customer Service Common department my electronic payment history of a 12 month period so I could show NO late payments were made since I incurred the lease. I also sent FULL balance bank statements showing all transactions on my account including the payment for both XXXX, XXXX, XXXX and XX/XX/XXXX. GM has not answered their phone line or responded to my fax. I have sent the fax a total of 15 times and still NO response from GM. I filed a dispute XX/XX/XXXX with all 3 credit reporting agencies and included the same 12 month payment history and full bank statements and my dispute was denied for XX/XX/XXXX payment. I need the late payments removed and GM to correct their side of me showing late for XXXX, XXXX, XXXX and XXXX. I have attached below COMPLETE bank statements reflecting my payments for every month so you can see no payments were missed.

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 2023-02-25
Company: DISCOVER BANK
State: MD
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:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-03-03
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:
My Account with XXXX XXXX XXXX is showing as included in Bankruptcy. However, this account has been paid in full and is not included in any bankruptcy.

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 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened a XXXX store credit card issued by Capital One on XX/XX/XXXX. After a couple of weeks I still had not received my card. I called Capital One & this is where the first lie was told. I was told it takes 30 days to receive a new card. Then the rep proceeded to tell me my statement had already been cut and it was mailed out on XX/XX/XXXX. She also told me my due date was XX/XX/XXXX. After still not receiving a credit card or a statement I called Capital One on XX/XX/XXXX. The rep told me that she doesnt know why I was previously told it takes 30 days to get a card. She said that is not true, she said it takes 7-10 days. She then said the address for me in their system was incorrect. She updated my address to the correct address and she said she re-issued my statement and also re-issued me my credit card. I did receive my statement but I STILL HAVE NOT received my card. I called Capital One again on XX/XX/XXXX demanding to have my card overnighted to me. Before that I was told cards take 46 days to arrive. I demanded to speak to a supervisor. Supervisor verified my address and could not tell me why I dont have my card. She said she could reissue another card and send it 2-3 day priority mail. I then paid my bill over the phone with her. On Wednesday XX/XX/XXXX I called Capital One again and I was told they dont have the capability of sending cards out 2-3 day mail. She said they only send standard mail 4-7 days. I informed rep I am tired of Capital Ones lies and I will be filing a complaint with XXXX and CFPB. Capital One is already reporting me to all 3 credit bureaus, they took my money and they REFUSE to send me my credit card!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: WELLS FARGO & COMPANY
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:
I have reported Identy Fraud to Wells Fargo Auto numerous time I have sent them a copy of the police report and they still have it on my credit

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 2020-04-27
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}

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