BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: FL
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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX ). Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done in previous dispute 30days ago its a violation- delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX   DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX  DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX  DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX  DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX DOS was ( XX/XX/XXXX ), DEPT OF ED/XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX DOS was ( XX/XX/XXXX ), XXXX  DOS was ( XX/XX/XXXX ), XXXX/XXXX XXXX XXXX was ( XX/XX/XXXX ), XXXX/XXXX XXXX XXXX was ( XX/XX/XXXX ) .After what is known as an investigation that was conducted and completed by the CRA , my dispute results from that investigation shows the DOS date didn't change/update.

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 2018-03-04
Company: Experian Information Solutions Inc.
State: WA
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 recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX  XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( Experian, XXXX, XXXX  ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in 2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu

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 2022-07-11
Company: EQUIFAX, INC.
State: FL
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/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I'm writing you in regards of a closed auto loan on my credit report. The company is XXXX XXXX XXXX. The company sold the debt to Jefferson Capital LLC. I received a letter from a process server that they are threating to sue me if I don't pay this debit. The account is closed on my credit report and Jefferson Capital isn't even on my credit report! Jefferson Capital reaged the debit several months ago. I need your help getting XXXX XXXX XXXX OFF all 3 of my credit reports. The company has threatened me during a pandemic and I just started a new job! I was unemployed for several years. What they are doing is against the law. XXXX, XXXX, and XXXX wont even let me dispute it anymore! That's against the law! Please help me ; XXXX XXXX XXXX or Jefferson Capital Systems LLC they are breaking the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an Uber Visa Card with Barclays bank in XX/XX/XXXX. I chose this card for its cash-back rewards. As of XX/XX/XXXX, I have accumulated a cash-back value of {$710.00}. 
In XX/XX/XXXX, the Uber card changed the cash-back into " Uber cash '' which can only be used through Uber applications. I had received some emails about the change but did not realize that my rewards would no longer be available to me as real dollars. The emails emphasized the so-called advantages of the new Uber card and downplayed the fact that it would no longer give real cash-back. 
I contacted Barclays bank on XX/XX/XXXX who refused to give me real dollars for my rewards.

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 2023-03-27
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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.On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00} XXXX XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
This is an inquiry on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: AES/PHEAA
State: KS
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:
XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my XXXX  Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX tried to pull a credit report from equifax and there was no respnse from equifax.there seems to be some kind of issue that is not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I own a certificate of deposit ( CD ) with BBVA Compass bank. This CD ( account number XXXX ) was due to mature on Friday XX/XX/XXXX. 

I was told by the bank previously that I could close this account on XX/XX/XXXX and access my funds on the same day. However, when I showed up in one of the bank 's branches on Friday XX/XX/XXXX, the bank could not close the account claiming that there was a lien on my account. After wasting an hour in the branch, the bank told me that they needed to remove the lien from the account before they could close the CD and give me the funds. 

This is an outrageous development since I have been counting on accessing my funds on XX/XX/XXXX,  but this bank has failed to provide me the funds I desperately need at this moment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contact a Shellpoint Mortgage Company customer service representative on XX/XX/2020 and advised them that I wanted to end the forbearance. She gave me several options for my mortgage payments, and I chose the option to have the three months that the mortgages was in forbearance to have those payments deferred and placed on the back end of the mortgage. She stated she would update the system and that there was nothing else that I needed to do. I resumed paying my mortgage payments XX/XX/2020 and I have been paying my payments on time. I received noticed in XX/XX/2020 from Shellpoint stating that my mortgage was outstanding for three months. I contacted a XXXX XXXX who acknowledged that their records did indicated that I call on XX/XX/2020 to discuss ending the forbearance, but that the proper paper was not submitted by the representative. They acknowledged that this is paperwork that was supposed to be done on their end, and that I did take the proper steps to end the forbearance. She stated she will start the deferment agreement which I received an official letter on XX/XX/2020. I informed her that it is showing on my credit report that my mortgage was late for two months XXXX and XXXX and that my credit report dropped by XXXX points because of this. I also informed her that it clearly states in the forbearance letter that I will not be penalized with a late payment charge or with negative credit reporting if I miss a mortgage payment. She informed me to contact the business office, which I have done on numerous occasions. I have sent them all of the information including a copy of my credit report, and as of today, I have not heard from Shellpoint. I have attempted to dispute this through the credit agencies, and it continues to show my mortgage being late. My credit report continues to be negatively impacted by this erroneous report of late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX, XXXX. XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 2019-02-15
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: Account information incorrect

Complaint:
The dates contained in my credit file for XXXX XXXX XXXX are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not XXXX XXXX. The XXXX XXXX XXXX account was closed by the original creditor and the debt forgiven. XXXX XXXX XXXX is in direct violation of the FCRA. XXXX can only report debts that is owed to the original lendor or XXXX. XXXX  XXXX XXXX  forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. XXXX XXXX is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA XXXX must produce documentation that XXXX XXXX has made an agreement that he owes a debt to XXXX consistent with the dates within the credit file. If XXXX can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.

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