BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called the customer hotline on Thursday ; XX/XX/2017. I paid off 50 % of the total debt with the credit card company. I mentioned that the reason I was in excess debt was that I had financial hardship in XX/XX/2017 for losing my job and I was also injured in car accident that made it difficult to work certain jobs. Now that I am working a lot more, my goal at the moment is to completely pay off the debt, but my interest is high and the payments are very high as well. I asked if they can lower my interest rate and payments so that I can pay off my debt with them but the representative said that they will not help me in this matter and to just pay more per month to finish paying the debt off. My previous statement I owed {$5500.00} and now I only owe {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting this account as late XXXX XXXX. This account was not late UNDER CARES ACT. Please remove 180 day latenessess reported

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 2021-11-03
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: Information belongs to someone else

Complaint:
I have informed Equifax via the CFPB on XX/XX/XXXX, XX/XX/XXXX and via the USPS certified mail on XX/XX/XXXX that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

I sent a dispute notice with supporting documentation, ( FTC Report, Police Report, etc. ) yet the fraudulent accounts remain on my consumer report. I have received a USPS return receipt signed by Equifax Consumer Dispute Center on XX/XX/XXXX, which is proof that Equifax has received my dispute and that I do Not agree with the response from Equifax via the CFPB. 

The fraudulent accounts and the mixed or merged personal information on my consumer report are inaccurate and have not been validated, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA or removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Each time Equifax has responded by stating that an investigation with the furnisher of the information has been initiated and when the furnishing company provides their findings, they will send those results to me. As of XX/XX/XXXX Equifax has not provided me procedurally proper validation of the debt ( s ) or personal information. A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). 

I have been and continue to be 100 % willing to work with the credit agencies and authorities to resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for Equifax. Equifax has updated and conducted investigations which they have already updated. Unfortunately XXXX and XXXX have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported Personal Information below needing to be immediately Removed & Deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-05
Company: EQUIFAX, INC.
State: TX
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:
EquifaxXXXX- I have been trying to dispute a line of credit under XXXX XXXX that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled XXXX. After calling XXXXXXXX XXXX  I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with Equifax and with XXXX. Both have come back saying information is correct and to remove the account I would need to contact XXXX Bank XXXX 

XXXX XXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with XXXX and XXXX XXXXXXXX XXXX trying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN MY THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINR I am writing to request and initiate a formal complaint against XXXXXXXX TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-11-03
Company: Unifin Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I received 7 consecutive missed calls from XXXX. They did not leave a voicemail. Today XX/XX/XXXX I received 7 additional calls without any voicemails. I called the number back inquiring about what the issue was as I was feeling harassed. They informed me they were sorry for not leaving a voicemail and stated they were from Unifin. I disconnected the call before gathering anymore information in fear my identity may have been compromised. I looked up the business and noticed they were indeed a collections agency. So I called back and verified my identity by confirming my name so I could get more information on only the business itself, not the collection matter. XXXX answered and I told him I wanted more information because I wanted to report this to the CFPB as I was feeling harassed. He said " thats fine, you can do whatever you want '' and hung up the phone. I called back and another lady answered. I again confirmed my name and last 4 of social and said I wanted to speak with a supervisor. She continued to talk about the attempt to collect a debt to which I stated numerous time I wanted to speak with a supervisor. Finally she said ok and I was on hold for more than 5 minutes. I hung up as I felt this was going no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have hard inquiries on my credit report that's not mine and unauthorized and would like to have them removed asap. It's so many dates that it's unreal that type of stuff could happen

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 2021-07-02
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: Personal information incorrect

Complaint:
These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-10-01
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/23 I paid off my visa in full leaving a XXXX balance. On XX/XX/23 I was charged {$37.00} on a XXXX balance. I called for an explanation and was told first they didnt receive my payment prior to the charge, which was incorrect since I paid in full 12 days prior to the interest charge, then I was told it was because I did not pay my card in full for two separate months in a row. When I asked what purchase the interest was being applied to there was no answer just repeated that I did not pay in full two months in a row. I advised I wanted to cancel my card. They then Replied that they would no longer help resolve the issue if I cancelled my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01
Company: Early Warning Services, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
A company called early warning system has a number of erroneous accounts that were opened due to a data breach on my credit report all of which I have contested with them personally XXXX of them they removed and there are still a few remaining but they are dragging their feet and correcting them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was used to get a credit in XXXX from Midland Credit Management and the XXXX XXXX Department just sent me email about it for the first time XX/XX/XXXX. 

I was told I'm owing a balance of {$1800.00}, which was used to purchase something from XXXX XXXX XXXX XXXX 

I called the XXXXXXXX XXXX yesterday and let them know I know nothing about this whole transaction and it's identity theft. 
I told them know my ex wife may likely be responsible for this without my consent. 
Just the same way she did during pandemic, which I filed fraud report with bank XXXX XXXX and police, and i have docuuments and case number to each. 

The agent I spoke with from XXXX Collections Department advised me to report it under federal trading commission and the will also flag it fraud on their side, so proper investigation can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-09-30
Company: LendingPoint Holdings LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I encountered an unexpected expense that became a priority in my budget. Consequently, I reached out to LendingPoint to establish a payment plan. After paying the necessary fees, I secured a reduced payment plan, reducing my monthly obligation to {$34.00} over a few months. 

However, starting in XXXX, I noticed XXXX bi-weekly interest-only payments of {$500.00} each, totaling {$1500.00}, were withdrawn from my bank account. This significantly exceeded my usual monthly payment and has severely strained my financial situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following companies ran unauthorized credit inquiry on my credit report. Kindly remove asap as these are suspicious : XXXX  and XXXX XXXX/Personal

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 2019-09-30
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They keep contacting my work and family members phone numbers, threatening me with careers to find me at my place of employment if I do not call them back. ( The account is past the statue of limitations. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-30
Company: Thaxton Investment Corporation
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a call stating I was approved for a loan. They sent me money and asked me to send them the money back via XXXX. They had all of my personal information. Bank account numbers, social security, phone, address, and job information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am writing to request an investigation of the following information that appears on my checking account consumer report : Account Number : XXXX XXXX XXXX Bank Of America Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PAID IN FULL XX/XX/XXXX This Chase account balance has been PAID on XX/XX/XXXX XXXX XXXX XXXX  Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX  Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX Tx Identity Theft XX/XX/XXXX I have NO knowledge of this Chase account. Reporting it as Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Theres XXXX XXXX XXXX XXXX XXXX accounts on my report. There should only be XXXX account opened. I have never been able to use my XXXX XXXX account due to a restriction placed by XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Heres the second XXXX XXXX account thats showing on my report. 

XXXX XXXX XXXX  XXXX XXXX Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.

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 2023-02-27
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}

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 non-monetary relief