BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Per the request of XXXX ( XXXX ) on XX/XX/XXXX. 

XX/XX/XXXX Purchased two TV totaling {$750.00} ( page labeled 5 in the upper right corner ) is the receipt. XXXX XXXX order # XXXX. XXXX XXXX emailed see page ( s ) 1-4 ( page labeled in the upper right corner ), stating the order was delayed. 
XX/XX/XXXX I received a notification at XXXX that the product had been delivered. ( page labeled 5 in the upper right corner ) Upon arrival to XXXX XXXX XXXX XXXX XXXX my dwelling ). There was no product delivered. I immediately contact XXXX XXXX at XXXX. I informed the agent that I had not received any product and need a proof of signature from the delivery company. I was put on a 23 min hold. When the agent returned, he stated, the product had not been delivered. He further stated another shipment would be sent out. 
XX/XX/XXXX I received an email stating the order was delayed. See page ( s ) 7-8. ( page labeled 5 in the upper right corner ) XX/XX/XXXX My bank checking account was debited {$750.00}. ( which I found very interesting, since I had no product and no delivery date in sight ) XX/XX/XXXX I called XXXX XXXX at XXXX once again to advise, I had not gotten the product, nor a delivery date as to when the product would be delivered and that my bank account had been debited for {$750.00}. I requested the order be cancelled. I received an email see page ( s ) 9-10. ( page labeled 5 in the upper right corner ). 
XX/XX/XXXX I called XXXX XXXX yet again at XXXX to inquire about the {$750.00} refund. The female agent, stated to me, I would need to wait one billing cycle in order for the credit to show. I explained I used my debit card no credit card. The agent told me it was the same regardless what type of card I used. I was not satisfied with the response, so I started my own investigation in an effort to recover my monies. I read in the disclosure, see page ( s ) 10 ( ( page labeled 5 in the upper right corner ), that it could take my bank up to 10 days to make adjustments to my account. Based on that information, I waited the 10days and then contact my bank. 
XX/XX/XXXX A provisional credit of {$750.00} was issued to my account. Because I had followed instructions and did beyond my due diligence. 
XX/XX/XXXX I called Capital 1 bank to find out why my account showed a negative balance. XXXX XXXX XXXX ) stated the claim was denied. OVER 90 DAYS????? 
XX/XX/XXXX Submitted this letter along with 12 attachments for demand of credit of {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CARD Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Card.com blocked one of my cards due to third party transfers in a family members name in or about XXXX. I never used the card again they eventually shut the card down perminantly and on XXXX my EIP STIMULUS PAYMENT WAS SENT AND INSTED OF PUTTING it on my other card or sending me a new card they put it on the canceled card and even went as far as taking their monthly fees out of the money I didn't know where my EIP MONEY went to when I checked the where's my payment tool on irs.gov I didn't recognize the account number I came across the paperwork for the card yesterday and saw the account number and checked the app for card.com and saw the deposit there and contacted them and refuse to give me my money I hope you can help me get my EIP I seriously need that money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Obtained updated copy of my credit report on XX/XX/23 and found the following inconsistencies The " Date Opened '' is also inconsistent across all three bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. 
The date of " Last Payment '' is also inconsistently reported across all three bureaus, This is also a violation. There is a " Balance '' amount listed that is higher than the actual " High Balance '' amount, which is a violation. If an account was previously a credit card, there MUST be a " High Balance '' listed.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
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: Information belongs to someone else

Complaint:
On XX/XX/2022, I pulled my credit report that you maintain on my file; you are reporting a social security number, XXXX. This is not my social security number Please remove this information from my account you are causing me harm.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Someone took out a XXXX credit card in my name. The bill was coming to my home this was around XXXX for {$200.00}. I didnt open the bill because I assumed it was my sons bill who is a XXXX. I called XXXX fraud protection but they could not help me because someone was paying the bill up until XXXX. I pay my credit card bills, so {$200.00} which turned into {$700.00} plus. Now this is on my credit as a charge off. I asked for proof of me having this card, which they could not prove but put this on my credit. I need this removed as I have tried to dispute this. I have never took a XXXX credit card especially for {$200.00}.

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
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I HAVE SENT SEVERAL LETTERS TO THE CREDIT BUREAUS THAT THE BANKRUPTCY IS REPORTING INACCURATE AND SHOULD BE 100 % ACCURATE. THE DATE FILED AND THE COURT NAME IS NOT CONSISTENT AND THIS COMPANY REFUSE TO REMOVE THE ACCOUNT WHICH IS AGAINST FCRA LAWS. I HAVE SENT LETTERS IN XX/XX/2019, XX/XX/2019, XXXX, XXXX, AND XX/XX/2019AS WELL.

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 2020-09-23
Company: Financial Credit Network 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 I called Financial Credit Network asking for pay for deletions. They stated that they wont pay for deletions since they have on file the current address. I feel they never sent the initial notification to me, They refuse to help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Duncan Solutions, lnc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating I owed {$350.00} for an unpaid Illinois toll violation that occurred in 2018. I never received any type of notice from any toll company. The collections agency said the toll was {$7.00} and the remaining balance was a fee. They stated they had no proof a I was ever notified of the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

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 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This will be my third time disputing which the first time was in XXXX and the second time was in XXXX. The third time is in XXXX and I am requesting to take this account off my credit report for inaccurate information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of XXXX. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor and provided Transunion with the account information that's being reported on my credit file that was given to me by the bureau inside my next dispute through nail. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the pay off balance on the account. The balance would be {$17000.00} as you can see in the documents i have. Date of last payment made was ruled as XX/XX/XXXX on Transunion which is also incorrect per the creditor documents. The last payment was made XX/XX/XXXX. There is stuff that is inaccurate that Transunion has two times to verify it. FCRA states that if any information is reported inaccurate it has to be removed from the credit report account # 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 2019-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I want my credit score.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

XXXX XXXX account # XXXX 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 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 2020-01-16
Company: EQUIFAX, INC.
State: CA
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 filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is a horrible company. Do not use them. The customer service representatives have hung up on me. Also the employees have been unable to give me complete, accurate answers on important information about how much my payments are or will be. When I ask questions they sometimes just refer me to the XXXX XXXX XXXX. And they send emails to my Navient inbox that do not give any explanations. This is serious! If you want me to pay you {$35000.00}, You should give me answers. I am currently in contact with the XXXX XXXX XXXX to have this matter resolved. If the XXXX XXXX XXXX can not or will not resolve this matter I will get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: CA
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 filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police report.

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 2023-04-14
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ALLY FINANCIAL 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 am writing to ALLY FINANCIAL ( Opened XXXX XXXX, 2014 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting ALLY FINANCIAL agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, equivalent, XXXX XXXX XXXX XXXX have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called experian on Wednesday, XX/XX/2023, on or around XXXXXXXX XXXX XXXX. I got to a XXXX XXXX XXXX agent in the general dispute department. After the first minute of speaking with her, her phone made static noise and I was unable to hear the agent. It sounded like a technical issue on XXXX side. This has happened too many times in the past and has been an ongoing problem far too long. This never happens with XXXX or XXXX. Experian is the repeat offender. This is also a form of call-avoidance and is prohibiting consumers from filing a dispute regarding inaccurate credit reporting over the phone. I have the phone call recorded for proof.

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 2022-02-07
Company: TNT Financial, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The company took advantage of my XXXX and discriminatory predatory lending because I received XXXX. Then they are holding license plates till first payment and That is two weeks after purchase XXXX I was pulled over with expired temporary tags when I went to the Fast Finance company to talk with TNT Financial XXXX XXXX Mi XXXX XXXX city XXXX MICHIGAN XXXX XXXX 
Sales tax license number XXXX dealer license number XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX. 
Vehicle identification number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation