BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: OH
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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

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 2018-05-18
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving constant calls all hours of the day and night from a collector from Credence RM for an XXXX phone bill that was paid to XXXX more than a year ago. Upon reviewing my credit report they have filed it as a collections from a company under the name of Credence RM. This false claim made by this company has impacted my credit score. I also get calls from the same company claiming that I have won a free cruise. I believe this is a scam of some kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO STUPID, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TransUnion has companies that I lave listed 2 times that I did not apply on hard credit nor can TransUnion prove or has TransUnion provided any documents or credit applications under hard credit to prove I applied for companies I never herd of or applied by my signature. Futher more transunion does not address the issues of Credit companies that ran my credit without my permission nor can TransUnion provide any substance to back that companies ran my credit illegally with out my permission. I have provided Transunion 2 times with no clear answer to prove on there part I sign or applied for the companies I have listed 2 times. Its nothing but fraud on TransUnion part with no proof. As to soft inquires I have opt out of all promotional inquiries as to TransUnion keeps selling information and violating my rights after sending letters U S Certified to transunion back in XX/XX/2016 tostop selling or market  me for profit after I opt-out time aftewr time which is my right.

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 2021-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed alleged accounts from PRA prior and PRA has been unable to provide any proof of an agreement between myself and PRA, therefore if PRA believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with PRA. PRA has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine. I also have never signed any agreement with XXXX XXXX, so any signed agreement between myself and XXXX XXXX would be fraudulent. Therefore any account from XXXX XXXX would not be my responsibility. I have maintained the same stance and will continue to for the next 10-12 months until the 7 years has expired for CB publication. PRA will receive nothing from me and I will continue to legally fight these false contracts. I owe PRA nothing and they will get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Yet again, another TransUnion complaint. TransUnion has an XXXX XXXX ( closed ) account on my credit report in the amount of {$8000.00} from XXXX. 

Although the account is listed in good standing, {$0.00} balance and closed this is not my account. I filed a dispute with TransUnion approximately 1-1 1/2 years ago. I had received a call from them stating it would be removed. That was in XXXX. As of today XX/XX/XXXX it is still showing on my credit report. 

I once again asked them to remove and why it had not yet been removed, in true TransUnion dismissive fashion, they could not answer and had no explanation.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-10
Company: EQUIFAX, INC.
State: KY
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Stern Recovery Services, 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:
When I checked my credit report and I have been checking it for the past months, these accounts are still here reporting in such a way that is derogatory and it affects my standing so bad. I am trying to build my credit and sorting things out. I want to ask for help regarding these accounts. These accounts are reporting collections yet it has a lot of missing information. Please help me out and have them removed.

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 2017-09-19
Company: The Hamilton Law Association
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX from Hamilton Law Association called repeatedly before XXXX XXXX on X/XX/2017, even after telling her not to call again. She called my personal phone at XXXX XXXX, XXXX XXXX, and XXXX XXXX. She did not identify herself as a bill collector and did not state that I was being recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit reports showing in collections, that I do no not recognize. The specified details on this account seems frivolous. It appears to be utility services through XXXX in which I have never used them as a service provider.

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 2020-11-25
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS COMPANY ON MY CREDIT REPORT ITS NOT MY ACCOUNT IT WAS DONE IN FRAUD. IVE TRIED TO CONTACT THEM, THEY HUNG UP THE PHONE ON ME. THEY COULDN'T VEIFY MY SSN OR ACCOUNT. THEY TOLD ME THEY WILL REMOVE THE ACCOUNTS FROM MY CREDIT REPORT. 

MY NEXT STEP IS TAKING THEM TO CIVIL COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an account at the US Bank Branch at the XXXX XXXX branch in XXXX, WI. She opened the account for me and the next day the account was on hold and then closed. I was told to talk to the branch manager at the location and I did, he told me that " we choose who are customers are '', meaning this is XXXX and judgmental, because I am white, I am not allowed to bank at US Bank. I feel like this comment is a violation of my right as a customer and the fact that I was judged based on who I am as by race. 

I also was a customer for long time prior to this, and I don't owe the bank at all. I would also never given a reason to why the account was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Capital One Money Market Account. Met all of the terms for the {$500.00} bonus, but Capital One refused to give me the bonus. The terms state that you need to deposit XXXX by XX/XX/XXXX. I deposited XXXX in a few transactions, then reached out to get the status of when I would receive my bonus, they said I did not meet the terms. They stated that my account did not have a balance of XXXX. No where in the terms does it say I need to have a balance of XXXX, only XXXX in deposits. Please see the attached PDF with the offer and offer terms. You will see no where in the requirements does it say the word " balance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: WA
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:
There is one account on my credit report that does not belong to me it is not mine I have not signed or used this account!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In the midst of the pandemic I turned to an online company selling toilet paper. I paid {$32.00} for toilet paper from a company called XXXX under the XXXX umbrella of scam companies. They are now defunct. I order the product on XX/XX/XXXX and then canceled it on XX/XX/XXXX. I reached out to the company via the service email confirming to cancel the shipment on XX/XX/XXXX. When I inquired about it I was told it was already sent but the time stamp they provided was XX/XX/XXXX, so no in fact they did not honor my cancelation request. Weeks and month went by and no movement of the package. Did I mention this was being sent from XXXX. I reached out to Payapl several times to help resolve and dispute and there was no movement by them and they said the Seller confirmed shipping, but did not see that there was nothing going on with the shipment. Paypal seemed to support their Seller more than they did me as the US based customer. Paypal is part of the problem as they have the power to refund my account since I used them to process the payment. The seller did not act in good faith and has set up many of these shell companies to sell pandemic related products. XXXX XXXX has allowed this price gouging to occur and continue to support the Seller even with it has been over three months where the product has not been delivered. I attached my email to Seller requesting to cancel and refund order and the shipping label when the product was sent a week later. As of today XXXX product as not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ALLY FINANCIAL 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:
XXXX  has been non-compliant with removing the unverified account ALLY FINANCIAL XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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: Problem with product or service terms changing

Complaint:
Someone was using my first name and my last name capital one account They were using a platinum card under my name Capital One found it is a valid fraud and I was told I was going to be sent a letter concerning invalid fraud and still have not got the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
on XX/XX/2018 I submitted {$40.00} to my XXXX and XXXX visa card account dispute the cycle date update not being shown ( I did this in order to try to get ahead and not pay so much at the end of the month when payment is due ) I made another payment of {$110.00} on XX/XX/2018, 3 days before the payment date for a total of {$150.00} which was due at the time. 
on XX/XX/2018 I received an email about not making my payment, I just ignored as someone making a mistake, but just be sure I checked my account and was shocked to see that I owed a large amount although I had already paid for the past month and I immediate access my account website and start a chat in order to find out what was going on, the chat didn't work out due to tech issues. so once got home I phoned XXXX / XXXX and was told that I owed more them {$200.00} that was past due, I tried to tell the man that it was a mistake and was told that I had submitted {$40.00} before it was time to submit the amount, I was like what wrong with submitting a payment early and the call soon turned into a shout match on my part because I couldn't understand what I had done wrong. soon after I received a letter via the postal mail stating that my credit line had been decreased and I knew it was the early payment for the letter and decrease ( I don't care what they said about the credit reporting and other crab!!!! low score!!! etc. ) what XXXX / XXXX is during is illegally and not making sense, I want my {$750.00} credit line decrease to be restored plus all the so call late fee 's that I got hit with that totals almost {$400.00}. I tried once again to talk to XXXX / XXXX on XX/XX/2018 and was told in no uncertain terms to pay {$40.00} that was overdue and another {$220.00} by XX/XX/2018, the clerk I spoke to sounded like she was having fun at my expense, enough is enough!!! I been with XXXX for years and never had an issue until now ( synchrony bank  ). and always paid on time.

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 2023-05-15
Company: ALLY FINANCIAL 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:
Contact via email but never received a feedback

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My son has tried to cancel his TransUnion membership he accidentally signed up for for 4 months now and they will not stop taking XXXX out of his account. What can we do

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