BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: TN
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 writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: TN
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:
Please be advised this is my First Written Request .The unverified items listed below remain on my credit report in violation of Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of FCRA you are required to promptly DELETE all information which can not be verified. 
ACCOUNTS : XXXX XXXX XXXX ( {$460.00} ) # XXXX & ( {$840.00} ) # XXXX, XXXX XXXX XXXX ( {$220.00} ) # XXXX, XXXX XXXX XXXX ( {$6200.00} ) # XXXX & ( {$220.00} ) # XXXX & ( {$150.00} ) # XXXX & ( {$150.00} ) # XXXX, XXXX XXXX XXXX ( {$380.00} ) # XXXX, XXXX XXXX XXXX XXXX  ( {$2200.00} ) # XXXX & ( {$1500.00} ) # XXXX, XXXX XXXX XXXX ( {$630.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$440.00} ) # XXXX, XXXX XXXX ( {$49.00} ) # XXXX, XXXX XXXX ( {$150.00} ) # XXXX, XXXX XXXX ( {$1600.00} ) # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX $ XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: GA
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 disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of Equifax. For some odd reason, Equifax is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One closed out my Spark business credit card and then allowed three debits onto the account after it was closed. This resulted in interest and late payment fees over about 6 months. The result was disastrous to my credit score and has inhibited my ability to get a commercial lease to continue operations of my sole-proprietor business. Multiple calls to the company have yet to fully resolve the issue. XXXX XXXX is also involved as two of the debits are returned payments from the bank that Fidelity uses. 

Multiple agents at Capital One report the account was closed on XX/XX/XXXX ( all of this year ). There was a returned payment of {$4400.00} posted on XX/XX/XXXX. There was a returned payment of {$1600.00} posted on XX/XX/XXXX. I don't know what happened to the money from these -- it certainly did not come back to me. I've informed Capital One that I authorized the payments from good available funds and that they can collect from Fidelity or the bank Fidelity was using. I no longer have an account nor do I do business with XXXX XXXX. 

Further, there was a charge of {$1200.00} posted on XX/XX/XXXX from XXXX XXXX XXXX that must have been fraudulent as it was a week after the card was closed ( and I wasn't anywhere near the same state as that hotel at that time ). Capital One seems to be working on this one. 

At the time I was informed that the account was closed I thought there was no balance due and no problem ( fully paid off ). I was not informed otherwise by Capital One. 

I seek to have the returned payment debits removed from my Capital One account and all interest and late payment fees ( amounting to a total of {$970.00} ) reversed or removed. The maximum that I owe Capital One should be less than {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.

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 2017-11-04
Company: EQUIFAX, INC.
State: NJ
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:
In XXXX of 2017 when I moved out of my previous address I started getting major identity theft and someone using my identity and applying multiple times everyday for Banks and car loans and continued to use my information and insisted to not stop till I put an end to it and called the credit bureaus and one out of 3 was able to kindly assist me and remove all hard inquiries that brought up to almost 90 and now down to 30 but the other bureaus are giving me a hard time to remove them after months later and its affecting me and building my credit score and in the future to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2022-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened and funded a checking and savings account on XX/XX/XXXX with HSBC bank, after a couple of days they told me that the account has been recommended for closure, I've spoke to many people on the phone and not one person can give me a reason why. They told me that the bank will return the funds to the account which I sent the money from and it has been over a month now and they are still holding my money without any explanation whatsoever. I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
OnXX/XX/XXXXIwired{$140000.00}toXXXXXXXXXXXX.Ihadthewrongaccountnumberonthewire.MybankshastriedtorecallthewirethroughthewiresystemnumeroustimesandXXXXXXXXhasrefusedtoallowtherecallandreturnthefundssoIcanwirethemoneytothecorrectaccount.ThewirewassupposedtogotoMs.XXXXaccountingendinginXXXXXXXXXX.WeleftoffthefirstthreenumbersandsentittoXXXXXXX.InspiteofthenamenotmatchingtheaccountnumberandtheproblembeingobviousXXXXXXXXhashadthemoneyfor3weeksandstillhasnotreturnedit.

Thisislotofmoney.Canyoupleasehelpmeandinvestigatethis.Howmanyotherpeopledoesthishappento?IhavetriedtocontactthebankeverydayandtheonlypersonIhaveeverspokentoisXXXXXXXXat(XXXX)XXXXext.XXXX.Afterintitiallyspeakingtomeshehasnotreturnedmultiplecallsforthelastthreedays.IhavealsoemailedtheheadoftreasurymanagementXXXXXXXXatXXXX.Ineverreceivedaresponse.

Pleaseinvestigatesootherpeopledon'thavetogothroughthis.Theyknowwherethemoneyisandtheyknowitdoesn'tbelongthereandtheywon'treturnitandwon'teventalktomeboutit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has past it's legal limits to be reporting on my credit report. Buying an old medical debt, does not warrant it being used as a new collection account. 
I want this removed due to the fact that I have no legal obligation to pay this company. My legal obligation would be between the original creditor and myself ... if a debt is indeed owed. 
I have no idea who this company is and never entered into any legal agreement to pay them anything! This is fraud in a legal loophole form. The selling of old debts and then listing them as a new debt on someones credit should be illegal. Especially with the way our system is structured, where we depend on decent credit to obtain basic necessities these days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2021 Wells Fargo denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. There is no law saying they can deny me my own credit. I am the original creditor and consumer, and they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction. XXXX XXXX XXXX is violating FCRA by providing information on my consumer report. Below are the following things that should be excluded from my consumer report. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Wells Fargo is also in violation of 15 usc 1682b ( 2 ) Wells Fargo is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What laws are Wells Fargo using to allegedly deny me credit. I have a open end credit plan as defined by congress. Wells Fargo is being deceitful and fraudulent because they used my credit plan. I only came for a consumer credit transaction. Wells Fargo has taken an adverse action towards me. Because I am administering and extending myself my own credit. This arose from a consumer credit transaction from my credit card, and as original creditor, it is my RIGHT to have the ability to discharge debt.

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 2017-11-04
Company: STERLING JEWELERS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from a collector on behalf of kay jewelers/sterling in an attempt to collect a debt in the amount of XXXX dollars. The account that was opened with kay jewelers back in XXXX only had a credit line of XXXX and many payments were made to this account most for 180 per month over a year or so time span. with that being the case how can a debt collector get a debt amount from kay stating that I owe this amount? I have tried to speak directly to kay about this account and they will not give me any information and will not allow me to settle this debt with them now. Before this account was even charged off I had began a payment arrangement with them and even had made a payment for the monthly due but the representative stated that I would need to make a significant payment in order to not charge off the account even though the payment I made was enough to bring the account current, I was offered a settlement in the amount of XXXX dollars by this same rep in late XXXX and all I want to do is get all documentation regarding this account ( beginning balance, payments made to the account and ending balance ) and then settle this account in full immediately with kay jewelers. Please have an executive contact me so that I can discuss my issues with them and resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax and XXXX has items that were due to be removed because the were open with out concent but has not removed it after the companies have closed out the accounts. 

Equifax has accounts from XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. All other credit bueres have removed this as the company had admitted it as not mine. 

XXXX  has a XXXX  XXXX XXXX account which fell into the same category. 
Please remove asap. I have submited a FTC report about this already

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
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: Investigation took more than 30 days

Complaint:
XXXX and TransUnion has items that were due to be removed because the were open with out concent but has not removed it after the companies have closed out the accounts. 

XXXX has accounts from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All other credit bueres have removed this as the company had admitted it as not mine. 

Transunion has a XXXX XXXX XXXX account which fell into the same category. 
Please remove asap. I have submited a FTC report about this already

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 2017-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In XXXX of 2017 when I moved out of my previous address I started getting major identity theft and someone using my identity and applying multiple times everyday for Banks and car loans and continued to use my information and insisted to not stop till I put an end to it and called the credit bureaus and one out of 3 was able to kindly assist me and remove all hard inquiries that brought up to almost 90 and now down to 30 but the other bureaus are giving me a hard time to remove them after months later and its affecting me and building my credit score and in the future to get a loan.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$86.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/2020 are reporting on my personal credit file with ( XXXX/Experian/XXXX  ) credit reporting agency. These inaccurate addresses, account and inquiry were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by 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 non-monetary relief
Consumer complaint received 2021-04-17
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have detailed and documented pictures and information regarding creditors who have harmed attacked and tried attempts on my life that were XXXX in a Chapter XXXX bankruptcy filed out of the northern district of Texas. My husband is now dead XXXX and they have literally along with multiple other criminal organizations and other corporations initiated paid and bartered to achieve their goal. I need assistance protection and help with this matter that has been taking place since XXXX. XXXX XXXX XXXX, XXXX, mailing only I had to seek safety XXXX XXXX XXXX XXXX Texas XXXX Access and assigned an advocate who specializes with this situation and XXXX XXXX XXXX

Company response to consumer: Closed with explanation