BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-31
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection Agency : ONLINE Information Services XXXX. XXXX XXXX XXXX, NC XXXX USA This is a medical debt collection. According to XXXX, medical debt collections are not to be reported until after 180 days. 

XX/XX/19 - Collection agency received account ( {$170.00} balance ). 
XX/XX/19 - Payment sent of {$50.00}. 
No communication, statements, anything from collection agency between XX/XX/19 and XX/XX/19. 
XX/XX/19 - Reported to credit bureau are unpaid. 
XX/XX/19 - Attempted to call and resolve without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX XXXX XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my Transunion and XXXX  report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a bank account and Valley Bank put two remarks on my consumer report stating I owe them a balance which I have paid and have a receipt. They also reported Account Abuse when there was no such account abuse. The balance owed to Valley Bank has been PAID and satisfied. Yet, Valley Bank will not remove the two remarks on my Consumer Report/XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently restricted my account after I filed a complaint for a separate account a individual account and a business account are two different things my commerce should not be hindered and is a breach of contract these two accounts are not associated legal notice of rescission breach of contract I have several deposits being made to this account which will be illegally hindered and restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed XXXX XXXX/XXXX  XXXX XXXXXXXX XXXX reporting on all 3 of the major bureaus ' reports, on multiple occasions. XXXX  XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( XXXX, XXXX, TransUnion ) .

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 2023-12-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I filed a Wells Fargo Visa credit card fraud claim for a {$250.00} charge made by " XXXX XXXX XXXX '' on XX/XX/23. I did not make that charge, and the credit card had been in my possession with no other fraud charges appearing on my bill. On XX/XX/XXXX, Wells Fargo denied my claim saying no fraud. XX/XX/XXXX I requested reconsideration and evidence of the transaction as I am absolutely sure that was never my charge. On XX/XX/XXXX, Wells Fargo provided a printout saying that my card was used at a retail location ( with no address ) using the tap feature, and since card had been in my possession, transaction was valid. After this I researched further via internet, the merchant does not actually exist in a retail location shown on the printout, nor does the merchant have a website. I called back Wells to say it would be impossible for my card to be used at a retail location for a store that does not exist, and that there is a fraud merchant involved here. On XX/XX/XXXX, Wells denied the claim again saying I am responsible. This does not make any sense as I have no history of making false fraud claims, nor any other fraud charges on my card and as soon as I saw the charge and filed the claim, the credit card number was changed to prevent any further problem. I am the victim of some sort of sophisticated merchant fraud that Wells is refusing to investigate further. I paid the $ due to prevent interest and delinquency, but I need my $ back as this is fraud.

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 2023-09-05
Company: EQUIFAX, INC.
State: WA
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:
XXXX  XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-04-15
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:
Failure to remove 2 negative closed reporting accounts on my credit report that is hendering my ability to get credit..I opened a dispute as a result of identity theft and experian is failing to remove the accounts

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 2023-12-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per 15 USC 1681 the account information on both the Experian and XXXX reports are seriously incorrect and should be removed from my report. The balances of the XXXX XXXX  revolving account. 

A letter forwarded to XXXX XXXX  on XXXX of my recension from providing non-public private information to any third party under 15 USC 6802 was sent. According to their customer agreement under section ( e ) I can and did withdraw this authorization in writing. The account should be removed from both reporting agencies reports. 

Disclosure of Information to Third Parties We may disclose information to third parties about your Card or the transactions you make : ( a ) where it is necessary for completing transactions ; ( b ) to verify the existence and condition of your Card to a third party ; ( c ) to utilize services of third parties and affiliate entities who assist us in providing the Card and related services ; ( d ) to comply with government agency rules or court orders ; ( e ) if you give us your permission ; ( f ) if you owe us money or there are legal proceedings in connection with your Card, in which case information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting ; ( g ) to protect against potential fraud and other crimes ; or ( h ) when otherwise permitted by law.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to bring to your attention a matter of significant concern regarding my consumer credit report. Upon reviewing the report, I have identified instances of late payments that have been reported without proper notice, as mandated by 15 U.S.C. 1666b. I would like to draw your attention to the following accounts that are reflecting late payments : XXXX. XXXX XXXX  Account XXXX XX/XX/XXXX days reporting XXXX. XXXX. XXXX XXXX  Acct XXXX XXXX ] : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 30 days late XXXX. XXXX XXXX  Acct XXXX 30 days XX/XX/XXXX XXXX. XXXX XXXX Acct XXXXXXXX XXXX XXXX 30 days According to 15 U.S.C. 1666b, consumers are entitled to receive notice of negative information being reported to a credit bureau before it is included in their credit report. In this case, I have not received any such notice, and the inclusion of these late payments on my credit report is a clear violation of my rights under this statute. I am formally requesting the following actions : 1. Immediate investigation into the lack of notice for the reported late payments. 2. Verification of compliance with 15 U.S.C. 1666b by the entities reporting this information. 3. removal of the late payments from my credit report.

I expect a thorough and prompt resolution to this matter to ensure that my credit report accurately reflects my financial history and to prevent any undue harm to my creditworthiness. Please provide confirmation of the initiation of the investigation and an estimated timeline for resolution. Additionally, I request a free copy of my updated credit report upon the completion of the investigation. Your immediate attention to this issue is appreciated. Failure to address this matter within a reasonable timeframe may compel me to pursue legal remedies to protect my rights under federal law.

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 2023-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
canceled a XXXX in mid XXXX. 
requested a check for the rewards balance. 
company refuses to send a check for the rewards balance of {$88.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN refuses to accept dispute letters sent in the mail repeatedly regarding identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX  : Account # 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 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 explanation
Consumer complaint received 2020-12-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2020 I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I completed the paperwork for this truck, which included financing through Toyota Financial Services ( TFS ). The truck was located at a different dealership and I was told that I could take ownership of the truck the next day. However, the other dealership sold my truck to someone else later the same evening as my purchase. 

XXXX XXXX XXXX was eventually able to locate another truck with similar specifications and I purchased that truck the following week. Similar to the first truck, I used TFS to finance the purchase. 

I refinanced my loan through XXXX XXXX XXXX XXXX ( XXXX ) once I received the first statement. However, following the refinancing I kept getting statements from TFS. Upon some research I determined that the dealership had never canceled the loan for the original truck that I did not take ownership of and I actually refinanced the loan for the truck that they sold to someone else. 

I have been working with the dealership and TFS for about 4 months to try to resolve this issue. However, I now somehow have three loans through TFS for XXXX  a XXXX XXXX  in addition to the only valid loan through XXXX. I have spent hours on the phone with the dealership and TFS. TFS has hurt my credit rating by reported the loan as delinquent and put my security clearance at risk. 

I feel that I have been too patient for them to correct their error. TFS has failed twice this week to follow-up as promised. Ultimately, I feel like I need to reach out for help now that their lack of effort to fix the situation is potentially threatening my career.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: NE
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:
Erroneous information being reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: DE
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:
In XXXX I filed complaint XXXX and XXXX in regarding to the inquiries listed on my credit report prior to XX/XX/2022. The listed companies responded with statements of removal on both my Experian and XXXX accounts and to date as of XX/XX/XXXX, they are still on my credit report. They have not done as they said they would. I want all inquiries prior to XX/XX/2022 removed since I have already explained my reasons for the initial complaint filed. Please see that my complaint and request as the consumer is meet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: V and H Portfolio
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent this company a letter requesting the proper information that shows I have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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:
I have disputed XXXX XXXX/XXXX  XXXX XXXX 's reporting on all 3 of the major bureaus ' reports, on multiple occasions. XXXX  XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( Experian, 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 2023-04-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX 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 sec 602 A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.

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 in 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 explanation
Consumer complaint received 2020-07-23
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020, I recieved a call from XXXX XXXX of a debt, at the beginning of the conversation it was a foreign person, who also asked for my social security number. I hung up. They can not ask for that. XX/XX/XXXX shows up on my credit report, disputed, removed XX/XX/XXXX. Sequium gets this and also reports they have had this since XX/XX/XXXX. I contacted XXXX recieved a statement from both. I never recieved anything. I want this off my report. The collections name also changed a few times. I've had 4 diff companies on my report. I will attach the two letters from XXXX   one stating XXXX had it in XXXX and then removed from my report. The other is letter from XXXX sequim stating they have also had it since XXXX. 

Plus two other companies that claim to have it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation