BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: OneMain Finance Corporation
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:
Upon losing my wallet in XXXX that contained my social security card, ID, cash, a few checks and a host of cards I filled a police report XX/XX/XXXX with XXXX police department just in case. It wasnt until my wife and I decided to look at our credit for a future investment in XXXX when I saw a loan from One main being reported in XXXX. I contacted the creditor in hopes of fixing this issue multiple times. I have been going back and forward with them providing police reports, proof of my current AND prior lease showing I stayed more than a hour away, proof from the IRS that also showed that the person tried to file taxes under my name that year fraudulently that I now require pin protection on my taxes from that particular identity theft, and attempted to send information about my bank account being closed due to fraud as well because of payments coming out from unidentifiable places in which the BANK noticed. However no proof is good enough for this company and now it has been MONTHS with no resolution. They ask me to provide something and once I provide that proof they ask for something different in a continuous loop in hopes to make me pay for something I did not do. Even my police report wasnt good enough because it didnt say One main fraud loan. Well of course it dont because I filled the report when I noticed my wallet was missing proactively, I didnt think something would have days ; weeks ; and months later! I checked my credit in XXXX after the irs thing happened to check if anything else occured and nothing else at the time happened so I thought I was in the clear. Well they actually asked me to go get another police report that said that ( I did, still they came up with something else to request ). Again this happened in XXXX when I lost my wallet, I caught this fraud account in XXXX. I now literally call multiple times a week to try to see how the process is going and what more I can do to prove this was not me and now its becoming more of a hassle. I just want to finally move forward from this seeing that this is the last fraudulent thing Ive caught from that guy and they are making it impossible. The last thing I want to do is pay it but after all this headache I asked how can I just settle out on whatever the balance is. They gave me an email to write and the person doesnt respond half the time. This company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate unknown things and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 1 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 2020-01-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested on numerous occasions to reinvestigate and verify the alleged account with XXXX XXXX XXXX XXXX my last attempt was on XX/XX/19. 

I requested to provide me the following : the name, address and telephone number of each person contacted regarding this alleged account. I also requested any formal documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Lastly, I requested their method of verification as any automated response or e-Oscar verification is unacceptable. XXXX   and Equifax failed to provide the requested information and refused to reinvestigate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I received my investigation back from TransUnion, which states you completed a fair investigation and these accounts are 100 % accurate. Can you please answer this one question? How did you investigate these accounts? Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT. Did you interview my neighbors? Did you interview my family and friends? Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also TransUnion DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate and validated. XXXX has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : 1. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX  Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 2. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 3. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX  Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY 4. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX  Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY

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 2018-04-23
Company: Experian Information Solutions 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:
On XX/XX/18 @ XXXX XXXX I called Experian to see why they didn't delete XXXX and XXXX . I spoke with XXXX @ Experian and I was explaining to him that I don't see why they did not dispute XXXX and XXXX because I do not know anything about these accounts. XXXX was helping me to dispute these accounts because XXXX did not have any problems when I sent them affidavit they deleted it right off my report. Now, XXXX @ Experian transfer me to another person to get this resolve well I stayed on hold for about 30 mins before someone pick up. When I started to explain to him then he hurry up and transfer me and did not hear me out and I stayed on hold from XXXX until XXXX and I think they were closed that time. This was very unprofessional. I know these is not my account I did not open these accounts and I also sent the same affidavit to Experian that I sent XXXX and XXXX. In my letter I ask yall to send me proof and a copy of bearing my signature and it wasn't done. What you sent me was a copy of my report stated that these account was verified. I just want these accounts off my report because they do not belong to 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 2023-12-05
Company: CCS Financial Services, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have discovered that a collection account from Credit Collection Service has appeared on my report as of XX/XX/2023. I wish to state unequivocally that I have never entered into any contract or business agreement with Credit Collection Service, nor have I had any dealings with its original creditor, XXXX XXXX. 

To my knowledge, this debt is entirely unfounded, and I have not received any documentation or communication from Credit Collection Service that would substantiate this claim. There has been a complete failure on their part to provide any evidence or documentation confirming that this debt belongs to me or is valid. 

Given the absence of any such proof and my certainty that I have no association with this debt, I believe this entry is a significant error, unjustly affecting my credit score and financial standing. 

Under the Fair Credit Reporting Act, I am requesting your immediate intervention and a thorough investigation into this matter. It is critical for my credit report to accurately reflect my financial history, free from any fraudulent or mistaken entries. 

Enclosed, please find copies of my credit report with the disputed entry highlighted. Additionally, I have notified the credit reporting agencies about this discrepancy and requested their action as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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.

has violated my rights. Or a list of inquiries : 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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries and accounts I that have no knowledge of. These accounts were created after my information was stolen. I am requesting these items be-removed from my credit report. XXXX XXXX is not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I was due to go to the XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. However I could not go because this was an academic exchange for researchers of the XXXX XXXX XXXX XXXX and due to a family emergency I could not attend. According to the booking confirmation with XXXX XXXX XXXX XXXX, it said the fee was non refundable but it also said, We understand that sometimes plans fall through. We do not charge a cancel or change fee. When the property charges such fees in accordance with its own policies, the cost will be passed on to you. XXXX XXXX XXXX XXXX charges the following cancellation and change fees. I filed a dispute with American Express ( reference number XXXX ) and they did not take into consideration the documents that I wanted to send. I tried sending the documents to them on five occasions and have been told they never had them and did not take into consideration my documents/agreement that I received from the hotel. To this day I spoke with a supervisor for the 5th time and she asked me to send the documents again for the 5th time using www.americanexpress.com/docupload XXXX American Express XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX However I have already done this five times and without taking into consideration these documents or even calling me, they reached a decision. I never used the service and the documents had the option to have plans fall through, and Americans Express appears to think I should still be responsible for these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Self Financial Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I took out a " loan ' from a credit building company Self financial to rebuild my credit. Since joining them my overall credit score has went up as they have told me However My score does not reflect them as a whole. It reflects other credit building apps and credit repair I have done. Every time my credit does take a ding and goes down in points, the credit monitoring services sends me notice that it's because of the self financial products. I've attached a couple emails to show. They have to be reporting something wrong because I have paid every one of my payments on time and before it was due. I have the loan and I have a self-building credit card. It's actually our money we're putting into an account that they charge us interest for using and then they charge you money for the card? It's our money? They also have changed banks one other time during my short time with them so I'm one 's credit report it looks like you have closed out that bank and started another one and then your age of your account goes down. I also meant to pay the credit card off in full and then they applied it to the loan therefore I had to pay another full amount of the credit card to pay the credit card off It's actually self-building credit card. They would not credit me for this I'm on a fixed income that's a lot of money for someone and if they aren't on fixed income. I had to pay for their mistake. This company needs to be investigated to its fullest I have tried to communicate with upper management. I go to reply to the emails they send me and it goes to a non-monitored email so I'm unable to get an email to them. I would like my credit report to reflect my payment history with them and not this frivolous stuff that causes my credit score to go down see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: U.S. BANCORP
State: AZ
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 tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. 
Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. 
I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. 
I asked what type of identification was used to open up the account. 
I noticed that the debt collector keeps adding late fees on the account. 
I feel that Debt collector is not being fair about this situation at all. 
I need to resolve this issue ASAP. 
can someone please assist me with this 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 non-monetary relief
Consumer complaint received 2018-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 I received an alert via email from XXXX XXXX and XXXX XXXX, regarding a change in my credit score. The change came from Capital One, which came with a {$300.00} credit limit and was cancelled on XX/XX/2018 @ XXXX XXXX. The card was also destroyed on that date and I was responsible for the remaining balance. After making a {$200.00} payment, I was informed ( after asking the right questions ), that there were additional charges of late fees and interest. When I closed the account and destroyed the card, it was my understanding that only the remaining balance was owed. This since I no longer had a physical card to use, it was explained to me that the remaining was all that was owed. Capital One has charged {$280.00} in late fees and interest on a closed account. In speaking with representatives, who were unprofessional, combative and confrontational. Also refusing to provide adequate information, choosing to refer me to a P.O. Box to send complaints. After again calling and attempting to escalate the call on XX/XX/2018. I was again given the run around as to my original cancel/closing dates. Choosing me to write in to complain. It is my hope that CFPB can assist me to expose this suspect and shady company and their horrible bank practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Continental Finance Company, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called my work number and I work in healthcare and was with a patient. I told them they needed to call my cell #. She said no, u call me back. I said well Im with a patient and I havent heard anything about this debt, she said well I will just send you to collections then. I told her that this is very unprofessional and I can loose my job. She said ok and hung up

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