BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureuas and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2021-04-13
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: Was not notified of investigation status or results

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Leased a vehicle through GM. My company paid the lease in full ahead of time and no money was owed. Lease turned back in to dealer in excellent condition. I have an amount owed showing up on my credit report being late over 180 days late for {$310.00}. Last statement received in XXXX with a XXXX   amount owed, as I turned the lease in that month. No statements at all in regards to this amount that is showing up owing. I continue to have access to my online account for this lease and there is still XXXX  owed online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2017-07-11
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 I wrote to Central Financial Control letting them know that the reporting showing on my credit report is not accurate. I had to write again on XXXX XXXX asking them to validate the debt and provide me evidence that this debt belongs to me. They have failed to respond to either of my requests. I also wrote to the Credit Bureaus who were of no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.

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 2020-02-10
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:
Thanks to cfpb, XXXX is trying to help me with my current mortgage situation after my home was destroyed along with 600 other in the WOOLSEY FIRE on XX/XX/XXXX Fema disaster number XXXX. My Fema disaster number XXXX After trying for 6 months and being pushed around from department to department, I FINALLY recieved some resolution from XXXX XXXX from the Ombudsman. Again this was only after I had to file a complaint. XXXX and I worked out an agreement that I would be paying XXXX starting in XXXX for 6 months, and repay with a balloon payment at the end. I tried to push all my payments off until after the rebuild and apply to my principle, but this was not an option. That would have been nice and less stressful for me because it has not been easy to have to come up with a mortgage payment on a home that is no longer there and having to pay rent else where. 
I have been making the payments, but XXXX has reported the XXXX payments late. This is now effecting my credit. I have perfect credit, but now this is an issue. I called to find out what was going on about the reporting to the credit bureaus and have heard nothing. 
I also asked XXXX about what she could do to help me being a Fema victim and she said that I am not marked a Fema victim and she could not call Fema and ask them. 
This was not in her job title. 
I called Fema and they do not send out letter to mortgage companies stating so. So here I stand a victim but SPS not acknowledging it? 
Fema said all they have to do is call the 800 Fema number and give those case numbers and they would confirm it. 
The Woolsey fire has been declared a Natural Disaster thru XX/XX/XXXX and may go on longer.

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 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 are four ( 4 ) credit card entries on my credit report, dating from XXXX 2015 in the amounts of : {XXXX}, {XXXX}, $ {XXXX} & {XXXX} from Capital One for credit cards that I NEVER authorized!! I have reached out to the organization and made several attempts to have this error removed from my credit bureau report to no avail. In addition, I have opened multiple disputes with each of the credit bureau XXXX, XXXX, and XXXX to remedy this error. The results from each investigation came back the same : Account previously in dispute - Verified/reported by subscriber as correct/accurate. 

I am at my wits end!! I feel as if I am being held hostage by someone else 's fraud and no one seems to care that my life endeavors are literally on hold indefinitely!!! Can some PLEASE help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: ME
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: Problem getting your free annual credit report

Complaint:
I requested my 3 reports through the online portal a month ago but have not received any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2020, I had requested that the amount of {$6600.00} be disputed from my HSBC credit card for fraudulent activity. The company by the name of XXXX XXXX had charged my credit cards without authorization. Then on XX/XX/XXXX, I had received a letter in the mail from XXXX XXXX from HSBC fraud operations letting me know that they denied my claim. After receiving the email I called HSBC in XX/XX/2020 asking why they denied my request and if I could submit evidence. The man at HSBC instructed me to email all evidence to XXXX for further investigation. After not hearing back from HSBC, I then proceeded to call again onXX/XX/2020 in which XXXX ( ID XXXX  ) told me that the investigator,  XXXX had denied the case and would not allow it to be reopened. I asked the employee if my evidence email had been read and they told me no. HSBC had denied my fraud claim without getting any information from me or looking at any of my evidence. HSBC is refusing to reopen the case or try to make things right. I have been a victim of from by the company XXXX XXXX and am requesting that the charged they made without my consent be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-04-26
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 have been recently on a credit building journey, I have been building my credit profile up for about 1 year now and I try my best to monitor my reports best I can, upon reviewing my report which I try and do monthly to my surprise I noticed my credit score dropped a lot of points I clicked on what the factor was for the drop in points and thats when I came across the FRAUDULENT account in question. It says it from XXXX of XXXX and that the collections was opened up in XXXX of XXXX, XX/XX/XXXX is when I noticed it on my account and was in my credit report by that time. this charge and collection is FRAUD I did Not commit these acts I am a Victim and a TARGET OF IDENTITY THEFT Ive contacted the credit bureaus and Ive tried to contact the company which holds the debt and they talked to me like I was incompetent and said those was nothing that can be done and they tried to get me to pay for Account that was FRAUD, Ive requested that the company XXXX XXXX XXXX send me a FRAUD PACKET IN THE MAIL the company said there was nothing they can do, Im hoping I can have someone on my side to fight this fight with me for these FRAUDULENT CHARGES ON MY CREDIT REPORT. I am currently trying to purchase a house and I dont think its fair that THIS FRAUDULENT ACTIVITY is holding me back after Ive worked so hard to build my credit profile. 

The original creditor as reported on my Credit report is 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 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a card holder of Capital One for several years now. Over a year ago I reached out to customer service regarding my {$600.00} credit limit on a secured credit card I had with them. At the time of my call, I had demonstrated on-time payment history for the past 2 years. I requested my account be evaluated for graduation to an unsecured credit account. I have several unsecured cards with much higher spending limits. I was told a request would be submitted and I should expect to hear back in 30-45days. No communication has came from capital one regarding this matter. Additionally, I acquired an auto loan for approximately $ XXXX with Capital One and had absolutely no late payments and the loan was paid in full last year. This company knows I have good repayment history which is why they send additional offers. Capital One also just pre-approved me for another auto loan for over $ XXXX but wont grant me more than {$600.00} on my credit card? I also pre-qualified for the XXXX Capital One Cars. Very unfair how they treat loyal card holders by forcing them to open new accounts to get additional credit as opposed to acknowledging our requests on our existing accounts. My credit score is more than XXXX points higher than it was when I signed up for this card and my account has not been released into a secured card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through century link I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to century link and was told to check my credit for other items. After viewing my credit in XXXX XXXX  i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XX/XX/XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX XXXX XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.

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 2018-06-04
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MGR.XXXX XXXX YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO PUT A XXXX COLLECTION ON MY CREDIT AN ACCOUNT WHICH ISN'T MINE! I RECEIVED A PHONE CALL XX/XX/2018 AT XXXX XXXX FROM A LADY AND SHE STATED SHE WAS CALL TO COLLECT A DEBT. SHE VERIFIED MY DADS ADDRESS AND THE LAST 4 OF MY SOCIAL. I INFORMED HER THAT ISN'T MY ACCOUNT I DID NOT AUTHORIZE THAT ACCOUNT AND YOU CAN NOT PUT THAT IN COLLECTIONS ON MY NAME BECAUSE I'M BUYING A HOUSE AND THAT WOULD MESS UP MY APPROVAL! SHE HUNG UP ON ME! I HAVE TO PROTECT MY CREDIT SO I CALLED BACK TO TALK TO A MANAGER. I WAS TRANSFERRED TO MGR.XXXX XXXX HE CAME OFF VERY MEAN ASKING QUESTIONS AND THEN STARTED ACCUSING ME OF KNOWING THIS IS YOUR ACCOUNT AND YOU AND YOUR DAD ARE FRAUDS! HE THEN STARTED YELLED, CUSSED, AND THREATENED ME! HE SAID I WAS A FRAUD AND IS GOING TO MAKE SURE TO PUT THIS ACCOUNT WHICH ISN'T MINE IN COLLECTIONS ON MY CREDIT! I TOLD HIM I NEED TO SPEAK TO HIS BOSS HE SAID NO I AM THE BOSS AND IF YOU CALL BACK IT WILL ONLY GO TO HIM! I ASKED LIKE 7 TIMES TO TALK TO HIS BOSS HE CONTINUED TO YELL AND SAID YOU ARE TALKING TO THE MANAGER AND I NEED TO STOP SCAMMING THEM AND PAY MY BILLS. I TRIED TO TALK TO HIM BUT HE KEPT YELLING SO I SAID I WOULD REPORT HIM HE SAID NO YOUR NOT YOU GO AHEAD AND REPORT ME YOU JUST NEED TO PAY YOUR BILLS I TOLD HIM I'M NOT GETTING ANYWHERE WITH HIM SO THAT'S WHAT I'M DOING FILING A REPORT WITH YOU THE AG 'S OFFICE ETC ...

Company response to consumer: Closed with explanation