BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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 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.

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 2020-03-03
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have an account with XXXX XXXX and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ 150-200 monthly instead of {$550.00}, however they refused. So I had a past due balance and when I finally started making payment again in the amount of {$260.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX  young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different. They never told me my account has been changed off but still collect my payment and they charged it off for the same amount of the loan which was given to me, although I have be making payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-06-23
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: Account information incorrect

Complaint:
Experian is showing that I still owe a debt to XXXX XXXXXXXX XXXX XXXX, that is incorrect. I did a balance transfer from my XXXX card to pay the total amount of my debt to XXXX XXXXXXXX XXXX on XX/XX/23 and I have an email and documents attached to prove it. Experian has not updated this information and it has caused an increase of 7 % on my credit usage by adding the debt I owed and the balance transfer to XXXX card showing I owe total of {$10000.00} and that is incorrect. 

This is now the second time Experian has made a mistake on their reporting that has affected my credit and I am filing a complaint to correct this mistake and restore my credit usage to what it was.

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 2020-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 customer service

Complaint:
I called Capitol One Credit Card Company and requested a statement as I did not know why they were still pulling monthly funds from my bank account and I havent received any statements in months. They said I could go online to check. As soon as I tried, the page said it had to send a verification code to an old cell phone. I told customer service I no longer have that cell phone. He asked me for my full name, other details and asked for my full social security number which I thought was unusual. Usually its only the last 4 digits. I complied. He then said I can not have a copy of my statement or interest or payments until I also send a picture of my drivers license to them online. I told him I did not feel comfortable snapping a photo of my drivers license as well as all the other information I gave him. He said he can no longer help me unless I give him a copy of this. I told him I wanted to speak to a supervisor. He said he didnt have one but would transfer me to the fraud department. I spoke to XXXX, who also demanded my drivers license copy even though he kept saying I didnt have to provide it but they wont give me my statement without it. I asked him for a number to report this and he didnt know it then last minute gave me an inaccurate number. The entire process seemed unusual. They refuse to tell me anything about my statement and keep taking money from my account every month. I want to know what my statement looks like and how much interest they are charging me. I thought that would be against the law refusing to mail my statement or email it, apparently they do this to consumers all the time. Unethical practices. I thought Truth in Lending states that they have to provide detailed information pertaining to your account such as your interest rates. If they keep refusing to send me statements or be able to view them online, they can  just make changes whenever they want and keep taking money from my account that I cant even make changes to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am requesting that it be removed from my credit report as soon as possible.

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 2020-04-27
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit 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:
MY FORTIVE/XXXX XXXX-BUYER BEWARE!!!!! 
PAID PERFECTLY FOR A FULL YEAR, MADE A PAYMENT ARRANGMENT FOR FINAL PAYMENT WITH A POST DATED CHECK TO AVOID DEFERRED INTEREST CHARGE AND WAS CHARGED ANYWAYS EXTRA {$940.00} PLUS FEES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CORELOGIC INC
State: CA
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:
There was an inquiry on my XXXX  credit report from XX/XX/2020, that was a result of identity theft. I discovered this during a review of my credit report. I called XXXX and they told me to contact the reporting company. I immediately put a freeze on my credit reports. I called Credco who made the inquiry and was told that the inquiry was from XXXX XXXX. I spoke to the dealership manager who told me about the applicant who applied for the credit. I verified my information and proved it was not me who applied for the credit. I spoke to Credco and was told to file a police report and a report with Identitytheft.gov. I did both of these and emailed them the reports asking them to remove the inquiry from my credit report. 

When I spoke to XXXX at Credco today, she told me that they now require me to send them a copy of my social security number, my driver 's license, and a copy of a utility bill. I told her that they never requested that information before and asked her if I sent them the additional documents if they would immediately remove the inquiry from my report and she was not able to guarantee me that they would. I told her that the information they are requesting is very sensitive and I do not feel comfortable releasing this information to a company that has not been authorized to receive this information and they could use it to further steal my identity now that they have a copy of my social security card, driver 's license, and utility bill. How can I be sure that they are not part of the identity theft scam? 

In essence, I told her that they are re-victimizing me by refusing to remove a fraudulent inquiry in spite of proof from a police report which they requested.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-23
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/2022 2022

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2019-05-07
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The complaint is with Wells Fargo located at XXXX XXXX XXXX XXXX VA XXXX. My contact there is : XXXX XXXX. Her phone number is XXXX On XX/XX/XXXX, I wrote a check to the XXXX XXXX XXXX for sailing lessons for which they did not deliver. On XX/XX/XXXX, I went to the bank on XXXX XXXX and ordered a Stop Payment on that check. The person who issued the Stop Payment was XXXX XXXX. I have the original copy. On XX/XX/XXXX, the check was processed through my checking account. On XX/XX/XXXX, I went to the bank and filed fraud charges and gave them contact information as to who actually cashed the check. On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX that the issue needs to be resolved directly between myself and Payee. On XX/XX/XXXX, I received another letter from XXXX XXXX stating they would not honor my request for reimbursement. They recommended that I follow up with the Payees. I am attaching the letter of XX/XX/XXXX for your review. 

I am requesting that the {XXXX} be placed in my checking account. I believe Wells Fargo has been dishonest and unethical. I have been a long standing customer with them and expect better customer service. 

Thank you for your consideration. 

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In 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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Select Management Resources, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am contesting, in part or wholly, a debt with XXXX XXXX XXXX XXXX XXXX  dba XXXX. The company has been locally notified as such both verbally and in writing yet they still contact myself and/or my family members daily. On XXXX XX/XX/2018, a Cease and Desist Letter, asserting my rights under the Fair Debt Collection Practices Act, 15 USC 1692c ; Section 805 ( c ) was delivered by US Mail, Certified Mail, Return Receipt was delivered and signed for. The XXXX staff have continued daily calls to me and/or my family. 

On a recent call, a XXXX staff member XXXX?, acknowledged she received the letter and related that the XXXX legal department instructed her to ignore the Cease and Desist Letter because it was not from another legal department or legal professional and was therefore, not valid. 

I simply request that any communication regarding the debt be in writing, on letterhead, and be signed by an authorized company representative. I provided a mailing address of : XXXX XXXX XXXX   XXXX, XXXX, Ohio XXXX and an Email address of : XXXX, both suitable for this communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I recently received a copy of my credit report and learned that I have been a victim of identity theft. This is hindering me as I am currently trying to purchase a home. Please remove these fraudulent accounts as soon as possible.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 U.S.C 1681 sunrise credit service XXXXXXXX XXXX XXXX transunion credit report. XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2019-07-31
Company: Midwest Recovery Systems
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:
Yesterday I checked my credit report and saw that there was a collection account on my account. I have never had any dealings with a company called XXXX XXXX and definitely did not default in any circumstances with them. I hereby request that Midwest recovery systems send me all info they have on this supposed account and so that I can prove it is not mine! If they don't have this info I demand that they have it removed from my credit file immediately! I have already disputed these with the credit agencies.

Company response to consumer: Closed with explanation