BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX I filed a dispute with capital one regarding a extended auto warrant from XXXX XXXX XXXX. XXXX XXXX XXXX sold me an illegal warranty in the state of California. I provided all documentation to capital one on XX/XX/XXXX to support my claim. I soon after received a refund for the disputed amount {$2600.00}. It came to my attention when my service adviser XXXX reached out to XXXX XXXX XXXX to get repairs done around XX/XX/XXXX. He reports he waited on hold for 1 hour and when asked for VIN they hung up. He called back and waited on hold for 30 minutes before giving up. I tried to reach out to them and was also unsuccessful. I then did a XXXX search and found out they were not a legitimate company. Then on XX/XX/XXXX XXXX XXXX of insurance issues a cease & deceased order because lots of Californians were scammed. Fast forward to XX/XX/XXXX when my card was rebilled. I called cap one on XXXX, XXXX and twice on XXXX seeking resolution. Six months go by after I submitted all the documents I thought they needed, and I received a notification on my phone that my credit card was rebilled. They advised me a letter was mailed explain what was needed. At the time I called I had not received letter. I spoke to a dispute manger who advised me to send over documents proving I paid for repairs and any other supporting documents. I received email link on XX/XX/XXXX, which is when I uploaded additional documents. I called on XX/XX/XXXX and verified documents were received and they would expedite review process. I called back again onXXXX of XXXX spoke with another dispute manager and was advised my case was ruled in my favor. I was advised the balanced would be credited back. This all occurred on a recorded line. I noticed several days went by and my balance had not been reversed. I called back on XXXX of XXXX and was told something totally different. Infact I was told I lost my case because I did not provide correct documents. Capital one has been so inconsistent with providing me information not sure who or what to believe. They told me that no one actually looked at my initial documents I submitted on XX/XX/XXXX. I have been mislead and mistreated. I was also told because I didnt provide correct documents my case was closed. I believe I was not protected after proving my cases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30
Company: TD BANK US HOLDING COMPANY
State: NY
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:
My identity has been stolen along with my license, my bank information, my annuity information, my military ID, and several credit cards they also opened up five lines with five phones at XXXX. They took out {$42000.00} cash from my bank account all together. It was about a month now. They called my financial advisor and had him Transferred {$20000.00} into my XXXX account. I havent got any money back they gave me a new bank account but the person already took my money out and I dont know how theyre allowing this.also use my military ID  to go to the hospital because I suffer from XXXX and XXXXXXXX XXXX  they were drug attics who wanted to get drugs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The date reported was XX/XX/XXXX by a credit collection service. The original creditor XXXX XXXX XXXXXXXX XXXX XXXX which was opened on XX/XX/XXXX. The total amount that they are trying to collect is {$850.00} which I do not owe. I never signed any documents. I havent been sent any documents verifying that the debt belongs to me. I was only sent a collection notice from the credit collection company about paying money I do not owe to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act, XXXX Bank Account XXXX XXXX, has violated my rights. 

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

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

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 2023-04-28
Company: January Technologies, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see attached Validation letter. 

On my Debt Validation Letter, XXXX XXXX # XXXX was delivered to January Technologies LLC XXXX XX/XX/2023 requesting for validation of this debt from XXXX ACCT # ending in XXXX, its past 30 days & i have no response from them & this is a violation of 15 USC 1692g. 

On my Debt Validation Letter, i asked them to delete this Account from XXXX  off my XXXX Consumer Report if they can not validate this debt in 30 days from receipt of my letter, which time has already passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I spoke with FCO Fair collections and Outsourcing XXXX XXXX XXXX, XXXX, MD XXXX and agreed to settle a debt for {$170.00} in three payments, the first of which was {$50.00} and was paid immediately. THIS COMPANY ASSURED ME THAT BECAUSE I SETTLED THE DEBT THAT THIS WOULD NOT BE REPORTED TO THE CREDIT BUREAUS. 

On XX/XX/XXXX, to my SHOCK this debt was reported to ALL THREE CREDIT BUREAUS. I called the company, and they DENIED that they had reported this debt, and told me to PROVE IT. I subsequently sent them an email with the PROOF which they have IGNORED TO DATE. 

This is illlegal and unethical, and I want this removed IMMEDIATELY from my credit report or I will seek legal recourse.

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 2022-06-12
Company: OneMain Finance Corporation
State: OH
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:
Source : XXXX XXXX : ONEMAIN Address : app. XXXX XXXX, XXXX, IN XXXX Phone : XXXX This company came up as an Hard Inquiry on my credit report on XX/XX/22 on XXXX XXXX  XXXX XXXX I didnt apply for any credit. I have fraud protection so I dont understand how someone could us my name to open up new creator. Usually the company calls me before proceeding.Can you please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent them letters, request, I have called and yet they have not deleted the old, incorrect, outdated, obsolete 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 2019-08-25
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I was checking my credit reports and noticed that Credence Resource Management had submitted an account with my name attached to three ( 3 ) credit files, XXXX, XXXX, and XXXX. This company never sent me a request to validate the debt. This company violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: IN
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:
I noticed that Experian was reporting wrong information on my credit report. I sent them a letter, which was delivered to an individual at the address at XXXX on XX/XX/2021. On the green return receipt they state that they have received it on XX/XX/2021. I have stated in the letter to remove this information because I did not authorize them to report on this alleged account without my consent, which was a total breach of my privacy pursuant to 15 USC 6821a. I also am aware of my Federally Protected rights as a consumer and a natural person. I am aware that pursuant to 15 USC 1681a ( 2 ) ( B ) that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. I am aware that I am the natural person and consumer in fact which extended the credit via my credit card also known as my Social Security Card. Pursuant to Federal Law, credit reporting agencies have 30 days to respond, and I have still not received any correspondence from their agency. This is a clear violation of the FCRA and I intend to reserve my rights.

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 2018-03-01
Company: Immediate Credit Recovery
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
the company took my income tax for the total of {$2900.00} and then stated that it was for student loans but it was taken by a company that I neither have heard from by phone or email or mail itself and when I try to call them there is no response I get a voicemail and when someone finally calls they call at a time I can not answer and they leave a number and extension which all it does hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CL Holdings LLC
State: LA
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 Ive listed are not mine and are fraudulent. 

The companies are XXXX XXXX, Jefferson Capital Syst, & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Experian Information Solutions 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:
I got reported of late payment and I wasnt at all I attached a document showing a payment deferral agreement in the same time they report the late payment. The creditor is 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 2020-10-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Beginning on XX/XX/2020 I made many attempts in resolving the fraudulent and inaccurate information being reported from Equifax and XXXX  regarding fraudulent XXXX Credit Card with account # XXXX and address XXXX XXXX, XXXX, MI XXXX. Yet Equifax and XXXX  continues to state the account and address is verified without yet providing me proof upon my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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: Account status incorrect

Complaint:
I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX bank as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else. I was tricked by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit 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:
In XX/XX/2023, I fell victim to a multi-layered scam operation run by orchestrated by XXXX XXXX XXXX XXXX XXXX using the aliases XXXX XXXX and XXXX XXXX XXXX, President of the XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my American Express account to fraudulent firm ( s ). 

XXXX XXXX reported to me that the scammers had access to my computer. They said that the only way to get rid of it was to buy gift cards. I purchased gift cards from XXXX worth XXXX USD, charged to my American Express credit card. 
XXXX said charges would be refunded, but so far have been unable to do so. 
Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
Attached, please find supportive statements, screenshots, and further evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX and XX/XX/XXXX XXXX XXXX ( XXXX ) on credit file ( unauthorized ), I disputed with company and all 3 bureaus. Was not resolved. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXX XXXX  Inquiry ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXX XXXX XXXX  Inquiry ( XXXX ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX XXXX  as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else. I feel very mislead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the 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 your 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 ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The lender closed the account XXXX XXXX and on XXXX XXXX they sent someone to steal my car while my kids where inside crying scared for their life. I also put in a cease and desist.

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 2018-03-13
Company: Bread Financial Holdings, Inc.
State: PA
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:
XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX  XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  XX/XX/2023 Requested proof of debt validation from company and did not receive any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Most of everything thats on. My credit report is not 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