BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: DE
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have sent several attempts to request for method of verification for Chapter XXXX and Chapter XXXX Bankruptcies from Transunion and have been unsuccessful with their method they just keep sending me that it was verified. Attached is the letter of method of verification that I am requesting and would like all this information within 15 days. Also if these things are not verified that specifically asked in this letter this information has to be permanently deleted from my credit profile.

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 2017-12-12
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
For awhile now I have been borrowing from a company called XXXX XXXX XXXX in XXXX XXXX, Texas. I was recently looking over the detailed payment statement and noticed an extremely high charge for this loan. It is described as a " CSO fee ''. This fee is higher than the interest charged which, as you know, is significant. 

I called the local office and asked them what Is the CSO fee? They did not know so I asked for the supervisor. After speaking with several people in the company no one seemed to know what the CSO meant. This strikes me as being very odd so I decided to try to find someone in a regulatory department that might be able to help me. 

This is the reason for my letter to you. What is a CSO fee and why is it so high? I am hoping that you can give me some insight on this. 

Thanking you in advance for any assistance you can give me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX, Experian and XXXX are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.

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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, XXXX and Transunion are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.

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 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 asked Kohls for certain information which they did not provide to me the full " original contract '' I asked for and only sent me statements and a letter telling me that Capital One is the original creditor. I now have sent letter number 3 because they also failed to mark the item " Under Dispute '' within the 30 days are per the FCRA. They have marked late payment and Charge off on every recent months the account was closed and paid further damaging my credit and keeping me from opiating credit. My next step since they received the 3rd dispute letter XX/XX/XXXX is to go to court and seek damaging compensation for defamation ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/XXXX19 I paid XXXX XXXX {$2000.00}. Which paid the account in full. As of today on Experian the balance is still {$2000.00}. XXXX and XXXX XXXX have it corrected. experian has not.

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 2019-10-31
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: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain

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 2019-10-31
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: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance XXXX XXXX {$2500.00} ; US DEPT ED XXXX Balance Owed XXXX {$4200.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TXXXX 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 collections account from Berlin - Wheeler inc was reported to my account for the amount of {$300.00}. The company is from XXXX XXXX  which I have no knowledge of and I never had this account. This account was open fraudulently, and it is not mine. The address provided for this account is also incorrect. I never leave at this location. I have documents, providing my current lease to prove my address. 


In accordance with the Fair Credit Reporting Act, [ C ] has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is a fraudulent account. Ive attached all required documents with respect to 15 usc 1681c-2. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
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 is missing that should be on the report

Complaint:
My credit card with XXXX XXXX XXXX XXXX has been removed by Experian which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX  XXXX Also auto loan account with XXXX XXXX XXXX XXXX has been removed by Experian which is still open here are accounts still open and have been removed from credit report 1. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

2. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. The above 2 accounts have been removed from report but suppose to be open

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 2019-11-01
Company: JPMORGAN CHASE & CO.
State: CA
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:
A credit card application was completed by a bank officer in XX/XX/2017. The application was for a Business Credit Card. The business owner was unable to qualify for this card and asked me to co-sign for a " loan '' ( not a credit card ). I provided my personal information to the bank officer at a meeting with him and the business owner. I assumed this was to check my credit. I was never informed that my information was being used to establish a Business Credit Card with me as Primary Card Holder despite my not being an employee or owner of this company ( which is required to be a Primary Card Holder ). I was not provided any documentation explaining the card agreement, the credit limit or my liability if the business could not pay the card charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
had vehicle repaired around late XXXX didn't get my car back till about XX/XX/XXXX. was told they would reimburse me later ... at end of lease called Hyundai asked how much do I owe total ... I paid the amount that I was told paid over the phone .... I brought my car in on that Saturday they said they didn't have anyone to take car for that day could I bring it back that Monday I did that ... then I called about about my reimbursement ... I was informed that it was to late because vehicle was returned ... then I received a call stating I owed money for not buying another car from them ..I explained I was never informed about that ... and I had paid for everything in total and had already turned the car in ... .. I never was late or missed a payment ... they been messing my credit report ever since ...

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 2019-10-31
Company: EQUIFAX, INC.
State: MO
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:
Equifax, XXXX and XXXX are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: U.S. BANCORP
State: CA
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 was contacted on my cell phone on XX/XX/XXXX and a message was left by someone identifying themselves as " XXXX calling from US Bank on behalf of XXXX XXXX '' and asked me to contact her at XXXX and provide reference number " XXXX '' I did NOT return this call. 
I then received a letter in the US Mail on XX/XX/XXXX that was dated XX/XX/XXXX with the only letter head identifying : " XXXX XXXX '' at XXXX. XXXX XXXX XXXX, ND XXXX. 
The letter informed me that they had received an application for an account with my name and personal information on XX/XX/XXXX via the internet. 

They then identified themselves as : XXXX W Fraud/Risk Analyst Toll Free XXXX ext XXXX Fax XXXX I did NOT call them but did call the Fraud reporting line at US Bank Credit Cards and they verified that none of the numbers in the above letter are in their data base and they believe it is likely fraudulent. 

On the internet search I made it appears that MANY people have received phone calls from the XXXX number listed above. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Payfare International Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Hello, this is my 2nd complaint. I was hung up on by doordash support, you guys said that you have no records and that would make sense as they hung up on me and couldnt take my complaint. Payfare support has not been helpful either. I would appreciate a customer service representative or equivalent to see this, it has been impossible to reach doordash support, someone gets on the phone just to either not understand or say they cant help with the complaint. It is {$53.00} charged off of my card that was supposed to go to bills, I would appreciate this to be fixed as I have been trying for over 10 days. The charge was XXXX to XXXX, a company I have never heard of and when I look into it scams seem pretty common. I would appreciate any help, I just need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have again been the victim of identity theft someone is trying to open accounts in my name. I have my personal info out on internet websites and people use it to try and open accounts. I have notified all the companies to advise them and there have been no accounts opened. I have also made a report with the FTC and will be including it also. The following are the fraudulent inquires placed on my report : 1 )  XXXX XXXX XX/XX/2019 Experian 2 ) XXXX XXXX XX/XX/2019 Experian 3 ) XXXX XXXX XXXX XX/XX/2019 Experian 4 ) XXXX XXXX XXXX XX/XX/2019 Experian 5 ) XXXX XXXX XXXX XX/XX/2019 Experian 6 ) XXXX XXXX XXXX XX/XX/2019 Experian 7 ) XXXX XXXX XXXX XX/XX/2019 Experian 8 ) XXXX XXXX   XX/XX/2019 Experian

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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: NV
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:
My information was breached with Equifax and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one XXXX  but Equifax and XXXX  have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
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 am a victim of identity theft. The accountsXXXX.and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: MI
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:
There is unauthorized inquires on my report i did not give these company approval to make a hard inquiry to my report. This is causing me problems as to i can not provide for my family due to lake of credit approval. Please kindly remove them from my report. Thanks

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