BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing this due to non compliance with the XXXX XXXX, XXXX, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 non-monetary relief
Consumer complaint received 2019-11-23
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: Information belongs to someone else

Complaint:
I am writing this due to non compliance with the XXXX XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
OnXX/XX/XXXXI made a purchase of {$120.00} using my Kohl 's card. Kohl 's sent me multiple emails offering to match my payment of up to {$50.00} if I made a payment. On the XXXX due date ;XX/XX/XXXX, the balance on my account was {$190.00}. On this day I called and spoke to a representative who informed me that I would be receiving the {$50.00} credit and asked how much of the remaining {$140.00} I wished to pay. I paid the entire {$140.00}. On my next statement with a closing date of XX/XX/XXXX I was charged an interest charge of {$3.00} and given a minimum payment of {$3.00} due onXX/XX/XXXX. OnXX/XX/XXXX I made a purchase of {$130.00}. OnXX/XX/XXXX I called Kohl 's and was given a minimum payment due by the automated system of {$3.00}. I then followed the automated system through to learn the credit of {$50.00} I was previously told onXX/XX/XXXX would be reflected to my account onXX/XX/XXXX was not issued untilXX/XX/XXXX. I spoke to representative XXXX and then manager XXXX who informed my that my minimum payment was {$4.00} and despite that fact that I was disputing the charge that if I did not pay it my account would be charged a late fee. I was told that the {$4.00} minimum due was not due to the interest charge, eventually I was told it would be credited to my account but not for 24hrs and so the {$4.00} payment was to be deducted from the {$130.00}, and it was still due or I would incure additional fees. I was told numerous " truths '' / statements that were later reversed on the call. After 49 minutes on the phone a case was finally filled that would reverse any future late charges caused by this incident. I decided to immediately after the call make an online payment of the {$130.00} that I made onXX/XX/XXXX to avoid further complications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received repeated letters from Midland Credit Management stating that they would sue me for very old debt. I received a letter today stating that they intend to have a lawsuit filed against you, in an attempt to collect the debt. They have repeatedly used scare tactics to get me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Kriya Capital, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Placed two deposits into my Capital One online banking account on XX/XX/XXXX. Shortly after the deposits Capital One locked up my account and I did not have access to it since then. I have called them five times and gave them an explanation for the deposits what they have done nothing, including not even return my calls. My Capital One account is : # XXXX. This is poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Bridgecrest Acceptance Corporation
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Agreed on a settlement. Once completed instead of updating my account or removing the debt they brought it current and insist that I still owe them funds when I do not. I have reported it to the credit beaus and the company itself along with sending my full payment receipts and they all have denied it. I go to look up the debt on the website and it now says my account isn't even found.

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 2017-09-13
Company: EQUIFAX, INC.
State: WA
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:
This is regarding the Equifax hack. The options provided on the previous screen did not fit this problem. 

In regard to the Equifax hacking - which took well over a month to be reported by Equifax - I was under the impression ( as per TV reports ) that I should go to XXXX and enter my information there so that I could find out whether my information was compromised. I entered all the information and the final screen read that my information may have been compromised.
Now I read in other news reports that my having checked whether I 'm affected may have rendered me ineligible to join class actions lawsuits against Equifax and/or TrustedID. This is outrageous. This is evergreen data. I can not change my DOB or SSN. If Equifax compromises my information and partners with TrustedID and they make it look like I 'm only checking whether I 'm affected - all the while stripping me of my rights - then I hope the CFPB will bring suit and prevent these shenanigans. 

I have done nothing to compromise my information and I had no choice as to whether Equifax has my information in its database. This is outrageous. Please protect us consumers from this. 
These credit bureaus are not optional. Our info ends up there whether we want it there or not. If they can not guarantee our data 's safety then they should be liable when they allow it to be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 1 year after not being notified of this debt, I have been trying to reach out to the creditor XXXX in regards to this debt not being mine. I have requested multiple times method of verification to prove this debt belongs to me ; unfortunately, this info has not been received all my attempts have been ignored.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: NY
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 account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving

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 2017-09-13
Company: EQUIFAX, INC.
State: NY
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:
this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all 3 of my credit reports. 2 of the alerts expired in XXXX of XXXX and one expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called XXXX this morning because I received an email from XXXX of my creditors that XXXX mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called XXXX and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how XXXX and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. XXXX also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$46000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The amount due that is being reported is completely inaccurate. I make these monthly payments on time and this account is current. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau 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 2019-07-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a modification and I was denied. Select Portfolio Servicing is also refusing to put me on a repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I found out recently that there was a problem with verifying my social security number when I wanted to cosign a student loan for my child. I dealt with the social security administration without success. 

After further investigation, I found out that I was reported as being XXXX  on XX/XX/XXXX 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good afternoon, I am enclosing the letter sent to me from Citibank as well as the letter i USPS mailed them due to a conversation i had. The complaint that i am submitting is based on the email i received today stating they " were unable to reach me when they called me ''. Upon speaking to a manager today, XXXX, an account manager, in a Florida call center, she said the email means they didn't call you and they will not call you. If you want the credit line again, i can submit to an application where a hard credit pull will be done to lower my XXXX XXXX even more. 
I am absolutely disgusted with the way they treated me and lied to me and i want assistance on this matter.

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 2021-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.

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 2017-09-13
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: Personal information incorrect

Complaint:
I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being dead over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.

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 2022-06-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo checking account payable on death. Owner died XX/XX/XXXX, and beneficiary closed account on XX/XX/XXXX. Was told by branch manager, XXXX XXXX, that recurring treasury direct deposits would be refused and returned to treasury if presented. 
Long after, Wells Fargo " forced open account '' ( their words ) and accepted {$510.00} in interest paid on treasury bills. We started receiving statements and letters stating that the account had a restriction. Upon inquiry we were told would have to go into branch and close out account again. When presented at branch XX/XX/XXXX, was told would have to open an estate to claim funds. Superior Court for XXXX XXXX stated not necessary as payable on death remains payable on death. Wells Fargo Estate Care Team told me on XX/XX/XXXX, that they had " no idea why account was not timely closed and they had definitely screwed up. '' Started getting the run around from branch and Wells Fargo. Finally, had them notarize and submitted power of attorney from beneficiary to me, which Wells Fargo 's " legal '' has rejected because trustee of the owner who is also beneficiary of the account has " no ownership interest in account. '' Asked for refusal and explanation in writing and never received. Two hours on phone just now and NOTHING- they can't even take a complaint ; the complaint department wants to transfer me back to the estate care center who just transferred me to them! 
NOT our problem that Wells Fargo failed to timely close an account. Hold on account needs to be lifted and remaining funds paid to beneficiary as the deceased owner designated.

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 2021-11-30
Company: Experian Information Solutions 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:
High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following XXXX  accounts have violated my rights : Fair Collections & Out, Account # XXXX 15 USC 1681 602A states that I have the right to privacy. 

15 USC 1681 604 A section 2 also states, a consumer reporting agency can not furnish an 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