BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, 2020 attempted to put a Credit or Security Freeze at Equifax online ... went through the process but came up with a message that they could not verify my identity and that I needed to call them. 

On XXXX XXXX, 2020 I called the number that was given me online ( XXXX ) and explained that I was trying to do a Credit Freeze online but I received a message that I needed to phone to verify my identity. Went through the security questions with the person on the phone, answered them all and then at the end, she told me that they could not verify my identity and that I would need to send them my Social Security Card and Driver 's License to them, which I find outrageous, the perfect combination of information that would allow for Identity Thief. I told them that I would not send that kind of information to anyone and that I wanted to talk with a supervisor. I was transferred to a Supervisor that did absolutely nothing but insisted that I send the requested documents. I told her no and that we would be filing a complaint against the company. I don't think Equifax has the right to make it impossible to obtain a Credit Freeze when they allowed a major hack to occur.

I absolutely did not have any problems obtaining a Credit Freeze from XXXX or XXXX. My experience with Equifax was unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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: Information belongs to someone else

Complaint:
First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Resurgent Capital Services L.P.
State: MI
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:
LVNV FUNDING LLC has been been contacted numerous times, 6 to be exact, over the last 3 years regarding requests to verify two debt amounts they purchased after they were bought from a previous creditor, just before the statute of limitations would have made these debts unable to pursue. The debt amounts listed on my credit report are {$900.00} for XXXX XXXX XXXX and {$590.00} for XXXX XXXX. I have sent a total of 6 letters requesting verification of these accounts and have placed multiple calls, the last being Monday XX/XX/2019. 

At no time have I been contacted by this company regarding these accounts despite the fact they continue to update and claim the debts are still owed. During phone conversations, verification of debts owed are promised but never received. I am always told that the information regarding specific dates are not readily available to be given on the phone and would be included in the verification of debt they would send to me. Again, no letters have ever been received. 

These debts are past the statute of limitations for collections and have been disputed through XXXX and XXXX  multiple times. However the creditor continues to provide false information to keep these debts on my report, severely damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}

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 2017-12-30
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Having been an account holder with DISCOVER Bank now for XXXX years, holding both a high interest savings and a Cashback Checking account, I have had several issues revolving around withdrawals and deposits. The most recent issue commenced on XXXX XXXX, XXXX, when I attempted to purchase a ride using ride-sharing service XXXX, around XXXX PST. The transaction was declined, and I immediately phoned in to inquire as to why. The representative erroneously informed me that it was XXXX who had blocked the transaction, as I stood on the side of a road attempting to get a ride home from a holiday party. After using another card with limited funds, I returned home, only to have the issue of blocked transactions recur the following ( XXXX/XXXX/XXXX ) day several times when attempting to order groceries via XXXX and purchase items at a popular clothier, XXXX. 

Since XXXX XXXX, XXXX, I have had nearly every single transaction attempted blocked by DISCOVER Bank, forcing me to call in each time and sit on the phone with often inept and confused agents, for 45 minutes - 1 hour each call. I have escalated this matter to managers, supervisors and now XXXX 's Executive Offices. DISCOVER Bank 's Executive Offices agent XXXX ( supposedly on behalf of DISCOVER Executives ) claims that they can not circumvent " system decisions '', telling me that I have no other choice but to call in after each and every blocked transaction to have a manual approval of each transaction ; this is extremely time consuming and absolutely unacceptable. To reiterate, since the first decline on XXXX XXXX, XXXX, nearly all of my transactions ( between 10-15 total ) have been blocked by DISCOVER, regardless of the merchant, rendering my checking account effectively useless and blocking me from utilizing my funds when I need them most. 

Please note, that while I certainly understand fraud measures and the need to protect the consumer and the Bank, the number of times in just a span of four days that DISCOVER Bank has blocked my debit card transactions has been grossly excessive and beyond unacceptable. The Executive Offices staff was regrettably of no assistance, stating simply that I have no options other than to " deal with '' the situation until the system recognizes my spending patterns -- I find this to be both unethical and unprofessional to the highest degree. I am a consumer who should be able to utilize their checking account without the constant need to phone in, hold for nearly an hour, deal with inept customer care agents, only to have the situation recur sometimes hours later. To note specifics, I have had multiple transactions blocked on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ; this is grossly excessive and unacceptable, and I am requesting immediate resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/XXXX i had a auto loan with Capital One Auto Finance, i made all payments on time, in XX/XX/XXXX i lost my job, I call Capital One Auto Finance and let them know i lost my job, they told me to make one last payment in XX/XX/XXXX, then i can give back the car and i would not owe anything, i did what i was told, i never receive any bill for payment so i guess everything was ok, i made arrangements for them to come to my home and take the car, now XXXX later on my credit report there is a charge off account for {$6900.00} which is harming me from getting anything any credit. I do n't understand how Capital One Auto Finance can get away with such illegal stuff, they talk to me so good took the last payment and i let them come to my home and get the car. then put that on my credit.Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2022-02-15
Company: Experian Information Solutions Inc.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2018-01-29
Company: Bread Financial Holdings, Inc.
State: OR
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:
in XX/XX/2017 I XXXX XXXX went into sales and tried to open an account and upon being told XXXX would have to wait to see if I was approved after running my credit I decided I didn't want the card and was told It would be stopped. in XXXX I looked at the XXXX   account and it says I have an open card fit them in my hard inquiries and this is why I never wanted them to finish my application. I was told it wasn't sent in and it would all be taken care of. I want to dispute this inquiry because I literally said never mind fro this reason. ive never even received a card or a account number so I basically was never told if I would even have the account so I figured the info was never sent in

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello so my problem is I been contacting PayPal for the longest regarding this complaint I did a PayPal pay in 4 plan For a stay at XXXX the hotel was disgusting I have pictures it didnt have heat I contacted PayPal they couldnt help me but then I also contacted my bank I spoke to numerous reps from PayPal that said if I can provide proof my bank ruled in my favor then Im able to have everything waived which I provided proof already regarding that problem I get told by numerous reps from PayPal its a technical error and thats coming from executive escalations department of PayPal one rep says its good the other rep says its not good a rep that said it wasnt good at first email now says its a technical error as well I have emailed them countless of times trying to figure out whats right and whats wrong I have received threatening phone calls from them and being told they are going to mess up my credit report if I dont pay it back but I told them its a technical error and they will say yes I see it dont worry but I just got told today by a rep that its 70 days over due and I need to pay it and now the rep Im speaking to is saying its a technical error nobody is giving me factual information the only factual information is getting that they will mess up my credit report but another thing is a rep giving XXXX dollars and change if a rep is doing that I dont think my account is in the negative because no way would a rep from payola give you XXXX dollars as an inconvenience if you owe money so I need help getting to the bottom of this I just sent PayPal executive office more emails that said Im going to file a complaint with you guys I dont think my credit should be in jeopardy for misinformation and I will be proving screenshots of this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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 is missing that should be on the report

Complaint:
XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.

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 2022-02-15
Company: Capstone Credit & Collection, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im writing in regards to Capstone Credit & Collections who has ruined my credit with a debt I do not owe. The company operated by XXXX XXXX are abusive, and unyielding in their efforts to not remove a fee from my credit from an apartment complex I vacated over 4 years ago. They failed to send a letter to me verifying I owe this debt and still refuse to show me evidence this debt is mine. Ive sent two certified letters to them with no response. They have a history of violating federal credit laws and I want this permanently removed from all three bureaus. 

XXXX also filing against bureaus XXXX, XXXX, and XXXX for allowing this to occur against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Personal information incorrect

Complaint:
On XX/XX/XXXX at XXXX MST, I called Equifax due to a discrepancy on my account for my name. I had a legal name change in 2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. I am in the process of buying a house and need to have my credit accounts straight. They gave me a fax number and I had faxed Equifax by XXXX with my drivers license and social security number that morning. The representative told me that the documents would be received in 3-5 business days and that it would be processed in up to 5 days. 

I followed up with a call on XX/XX/XXXX at XXXX MST. The representative said that no documents were received. I called again on XX/XX/XXXX at XXXX MST. This time the representative made me use an application were I used my drivers license ( with my current name XXXX XXXX XXXX XXXX and take a picture of myself. He said that he could not verify my ID and could not tell me why. I ended the call. 

On XX/XX/XXXX at XXXX MST I called again. The representative said that they discontinued fax services. The fastest way for me to submit a change was through mail. 

Around XX/XX/XXXX, I mailed the documents to the address listed on their website. My lending agent informed me that we would not need the Equifax credit score for my report. 

However, when my lending agent pulled my score around XX/XX/XXXX, it populated on XXXX ( the credit reporting system ) as " Fraud Reported by Consumer. '' I called Equifax customer service again on XX/XX/XXXX at XXXX MST. The representative informed me that there was no fraud reported and that they could review under my previous name. My lending agent was not able to. They also informed me that they had not received my documents. 

On XX/XX/XXXX at XXXX, I gave Equifax customer service a call. At around XXXX, I also digitally uploaded the files and created a dispute. I received a call back at XXXX and asked to speak with a manager. The representative put me on hold. About 10 minutes later, I was hung up on with no resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Trans Union has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as possible. 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 explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XXXX XXXX OR XXXX  Date Updated : XX/XX/XXXX Inquiries XXXX  XXXX  XXXX XX/XX/XXXX 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  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX 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 non-monetary relief