BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Two credit cards where opened and issued in my name without my knowledge. One issued by Capital One Bank, one issued by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have a debt collection XXXX  on my credit reports that I have had deleted twice and transunion and XXXX keep putting it back on my report. I have contacted transunion and nothing has been done. I have some accurate date of XX/XX/2021 I have a confirmation that transunion deleted XXXX but yet it still remains on my report. I know for a fact I have disputed this twice this year and both times it was deleted because of my dispute but then it shows back up 3 to 4 months later. Any and all help will be appreciated as I am working diligently 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 2018-01-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed XXXX, XXXX, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

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 2018-01-22
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX,2017 I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XXXX of 2017 added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, 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:
The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission : XXXX and will address each credit bureau separately. I demand that they work on my file with in 24 hours in  compliance with FCRA. I will fax an affidavit and will list errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Eagle Accounts Group, 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:
I just recently took a loo at my credit report and I noticed that there were some XXXX XXXX accounts on my credit report that aren't mine. Below are a list of XXXX XXXX  accounts that i need removED ACCOUNTS : 1 ) XXXX XXXX XXXX -AMOUNT {$3600.00} -DATE OPENED XXXX/2017 -ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX,2017 I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XXXX of 2017 added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Name is XXXX XXXX XXXX I was issued a warrant on XX/XX/XXXX and i was notified of it by my parole agents so i placed all my wallet belongings into a XXXX firesafe and when the police arrived i went with them and left this locked i was the only XXXX with the combo. 
I went back to prison until XX/XX/XXXX when i was released early i was meant to get out XX/XX/XXXX, i came to a treatment center, i then went home for a pass to get my stuff and seen that my home was broken into at some time this day was on XXXX the XXXX i looked for my safe and i couldn't find it so i logged into my acct. and seen that the funds were missing so i started to call the bank { Capital one 360 mobile banking } it was to late to talk to anyone in the fraud dept. so i call the next day, i had to return to the treatment center also, on XX/XX/XXXX i filed a claim with capital one 360 mobile banking for all the usage on my card and my account, they started the investigation for me and issues claim numbers for it they are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for account ending in XXXX and from that day forward i have been helpful trying to give the bank all the information they would need to help them in there investigation such as the prison documents showing the dates i was locked up and the dates i was released and the police report number and officer name and information. 
Now with the bank having a full statement from me and having state issued documents showing that i could never have made any of the transactions cause i was in prison they still denied returning my money to me. each month the bank informs you how much comes in and how much goes out they tell me its {$11000.00} that was spent out of my account but i add up differently and maybe i am wrong i am adding up what i got deposited into my account each month cause it is what was spent i did spend any of it.so what i can add up is that each month 's deposits based off the bank statements they are as follows ; XX/XX/XXXX XXXX to XXXX {$430.00}, XXXX {$6600.00}, XXXX {$2900.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$1700.00}, XXXX {$1400.00}, XXXX {$960.00}, XXXX {$0.00} for a total of {$18000.00} was deposited into my account and which i never used nor gave permission to have anyone use, ,so for the month of XXXX, the acct was used w/o permission from the XX/XX/XXXX at XXXX to XXXX, then XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, up to XX/XX/XXXX. 
I will be attaching emails and bank doc. for you i hope all this helps cause none of it did for the bank they say they see no errors and it blows my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Verisk Analytics Inc
State: OH
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:
Calling constantly. I called back after a robocall to explain I only get {$550.00} per month on SSI. My health mental and physical health are being affected adversely by this continued DAILY XXXX. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX by stress, & severe currently untreated XXXX XXXX XXXX I explained I made No debts or signed anything obligating me to pay them, esignature or manual with their company. Therefore owed them nothing. I had to look them up on reverse dialer yo learn who they were, so I could plead a cessation to the constant calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
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: Account status incorrect

Complaint:
This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX. Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are reporting inaccurate & unknown information on my credit report. My credit report reflects a total of 15 unknown accounts in the amount of {$56000.00} from lender by the name of XXXX. In my attempt to validate this debt via mail XX/XX/2022, I received a return mail noticed due to " NOT DELIVERABLE AS ADDRESSED ''. I addressed this letter according to the information reflected on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I brought this to the credit bureau Transunion attention, to have these accounts deleted from my credit report, confirmation # XXXX. XXXX case # XXXX. This is a direct violation of my rights under 15U.S.C 1681 ( n ) : Civil Liability for willful noncompliance, 15U.S.C 1681 ( a ) : rules of construction, 15 U.S.C 1692 ( e ) False or misleading representations, & 15 US.C 1692 ( g ) : Validation of debts

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 2018-01-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX has placed a hold on my card due to paying off a large portion of the balance. It has now been on hold for a week. I have had a similar experience in the past where they placed a card on hold when you pay off the balance. I believe they are using these tactics to discourage people from paying off their balance, in an effort to earn more interest from consumers. 
I made a payment of {$830.00} on XX/XX/XXXX. It cleared my bank XX/XX/XXXX. Today 's date is XX/XX/XXXX. They told me the card is on hold due to paying off a large portion of the balance, and the fact the account is " newer ''. Their website indicates I have a balance of {$1500.00} against my credit limit of {$2400.00}, but my available credit is negative {$20.00}. It lists my payment of {$830.00} posting to account on XX/XX/XXXX and indicates there is no payment due. 
I have made larger payments in the past. I use this card due to it being a cash back rewards card, this ongoing hold has cost me money over the last week ; which I expect to receive. Not only did I not receive notification of this hold, it was indicated to me by customer service that I am not allowed to speak to any bank employees that handle bank policy, only call center employees are available.

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 2018-01-22
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: Account information incorrect

Complaint:
Experian has XXXX XXXX & XXXX XXXX XXXX XXXX as the same account and errors on 120 120 90 90 90 90 charge of XX/XX/XXXX closed account XX/XX/XXXX but has XX/XX/XXXX 120 days from the transferred account showing 120 days so what Experian is saying that the car went over 5 months with no payment and there was no repo. There are major errors to the reporting. Half report showing and transfer by XX/XX/XXXX to XXXX XXXX XXXX XXXX. I need a letter showing only fromXX/XX/XXXX only showing that {$1900.00} was written off and why I received my title but claiming that {$1900.00} was owed/written off. There should not be the same account showing XX/XX/XXXX closed but at the same time 120 days 120 days and the need documented proof 5 months and no payment as Experian has stated. Also need from the time the loan was taking out showing not years later from XX/XX/XXXX what happen XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX all those years. Date open is wrong XXXX XXXX XX/XX/XXXX- XX/XX/XXXX but then the same loan XXXX XXXX XXXX services date open XX/XX/XXXX thru XX/XX/XXXX 8 years in which this loan was not done. then 6 years XX/XX/XXXX loan but the same loan and error after error if the years of the car cant be showed on both and 8 years on the loan experain has and 6 on the other at the same time makes no sense. I have attach a copy of the Experian credit report. according to the 7 years to remove the XX/XX/XXXX dealer services has past it time as Experian has showing : Date Open XX/XX/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 2021-12-05
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking over my credit score through XXXX and noted a derogatory claim I had never seen before. I reviewed it, and it claimed I owed XXXX dollars to Florida XXXX XXXX XXXX. The claim was reported by Amerifinancial Solutions. I have never been contacted by either of these organizations about this debt, nor have I ever utilized the services of Florida XXXX XXXX XXXX. I only learned about this claim reviewing my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021 I contacted the bureaus regarding the alleged authorized user on my accounts and there are none. I have never set up nor had authorized users on my accounts. I spoke with XXXX at XXXX at XXXX XXXX EST. He confirmed there are no authorized users listed on my account and there is no information in their system that shows there ever was an authorized user. I spoke to XXXX at Equifax at XXXXXXXX XXXX EST and I spoke with XXXX at XXXX at XXXX am EST who both also confirmed the same information as XXXX. 

The CFPB did close all complaints where the bureaus intentionally provided this inaccurate information. I believe the bureaus lied to the CFPB to get my complaints closed out so they do not have to resolve my credit report issues. This is causing extreme distress in my personal finances and I need your help. These inaccuracies are adversely affecting my credit report and need to be removed immediately. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

Since the bureaus are intentionally providing false information to the CFPB I do not believe they intend to complete their investigation or provide accurate reporting on my credit. The bureaus are also in violation of the FDCPA Section 807 by providing misleading false reporting. I am reaching back out to you to assist me in resolving this matter asap. 

I am demanding that these items be removed from my credit reports immediately or I will have no choice but to file for litigation due to the unnecessary stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Education Services/Pheaa recently reported my account delinquency status to the major Credit Bureaus in response to the account being delinquent. The Credit Report reflected a past due amount of less than {$100.00}, however, AES was requiring a payment amount of {$180.00}, as this was the standard figure per month. 

I 'll point out again, also, that AES should be stripped of changing due dates on any account, as they do n't handle those requests professionally and abruptly change due dates with little to no communication efforts at least 30 days prior to the account change. 

In addition, I would strongly advise AES to make careful considerations into who they employ to speak to borrowers over the phone, as some of the individuals who I 've dealt with sound very uneducated and are less cordial than any borrower would expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Irecentlypulledmycreditreportfromall3bureausandfoundmanyerrorsthatIhaverequestedtobeupdatedorremovedandthebureausarenotdoingasIask.Theywillsimplyputastatementthatsays"MeetstherequirementsoftheFCRA''butitdoesnotmeettherequirementswhensection602isbeingviolated.Iaskforphysical,documentedproofthattheseaccountsaremineandtheyREFUSEtoprovidetheinformationrequested.

1.AcompanybythenameofXXXXXXXXisreportingaXXXXXXXXXXXXaccountthathasbeenturnedoverforcollections.TheylistisasbeingopenedonXXXXbutnoinquiryshowsuponmyfilestoshowthatIevenappliedforanaccountwithXXXXXXXXbecauseIneverhadanaccountwiththemthatwasasoleaccountofmine.WhenIcallthiscompanytheywillnotprovidemewiththeoriginalcontract,why?BecauseNOCONTRACTexists.ThecreditbureausareinpureviolationofXXXXXXXXCompliancethatspecificallysaysallinformationbeingreportedtothecreditbureausmustmeetcertainandproperformattingandtheydonot.MuchoftheinformationismissingandthisisaMetro2Complianceviolation.ThisaccountwithXXXXfundingisonlylistingXXXXnoonecanlegallycontactXXXXXXXXwithsuchaccountinformationandthereforeitisincompleteandamajorviolation.

2.XXXXXXXXisreportinganaccount,onceagainthebureaussayitmeetstherequirementsoftheFCRA,Iamdemandingwrittenproof,meaningahandsignedcontractthatsaysthisaccountismine.IhaveneverhadXXXXandyettheyarereportingthisonmyfiles.AlsoincompleteandmissinginformationmakesitveryhardtovalidatesoonceagainaMetro2Complianceviolationistakingplace.TheonlythingbeingreportedisapartialaccountlistedasXXXXthisisnotavalidaccountnumberandneedstoberemovedimmediatelyorsendmeverificationintheformofasignedcontractfromthecreditorshowingthisismine.

3.Alsotheyeachhavemanyoldaddressesbeingreportedonmyfilesalongwithmanynamesthatareincorrectandneedtoberemoved.TheonlythingthatshouldbereportingismycurrentaddressofXXXXXXXXXXXXXXXXXXXX,COXXXX,andtwonamesXXXXXXXXandXXXXXXXXXXXX.

ImmediatelyremovaloftheaboveinformationisdemandedorIwanttheminvestigatedforFCRAViolations.

3.

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