BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have been disputing with Capital One & XXXX for weeks on a rental car that I paid up front on and never pick up because they would not take my insurance ( and they wanted to charge an additional {$1200.00}, XXXX rental car ) but either company will not refund me in the amount of {$1300.00}. I picked up another car through XXXX rental car the same day all this took place with XXXX in the amount of {$1400.00} and they took my insurance no problem. It was around the holidays and I just wanted my money back ( {$1300.00} ) and would still like it back as I never picked up the car through XXXX to begin with. I have exhausted all my options. Ive spoke to different managers between both of the companies multiple times and nobody seems of help. 

*Capital One stated if I sent them proof that XXXX stated they would give me a refund with a fee they would be able to help me which I did and included now and they still told me they couldn't help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is with Wells Fargo XXXX XXXX credit card. I recently applied and received this new card with promotion of 18 month 0 interest on APR of general purchases. 

On XX/XX/2017, I had a cash advance of {$850.00}, with understanding of cash advance will not have the 0 interest promotion, I paid {$1000.00} right back three days later. And I thought based on regulation, any payment above min payment will go to higher interest debit first, which in this case will be applied to the cash advance first. However, on XX/XX/XXXX, there is a {$8.00} cash advance interest posted in my account. When I called Wells Fargo, they said unless I pay the total current balance of the whole card ( which includes general purchases which should have enjoyed 0 interest, there will always be a balance for my cash advance. So apparently the {$1000.00} I paid was not applied to the higher interest balance. Is Well Fargo 's practice lawful?
Thanks,

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 monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-06-23
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute this item with company informing them this isnt my account and they havent tried to work with me at all wont even talk to be but reporting it on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-09-08
Company: EQUIFAX, 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:
On XXXX XXXX, 2017, I became aware of a security breach at the credit reporting company Equifax ; I utilized their website to find out if I was among the affected victims and I was informed by Equifax that my personal information was stolen in the security breach. This breach of Equifax 's security has opened me to possible future identity theft. I have had to take measures to protect myself against any possible identity theft stemming from this security breach. I have also since learned that this breach was discovered by the company Equifax on XXXX XXXX, 2017, which means my personal information has been compromised for 10 days without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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:
I had express for months of the inaccurate information that Experian has included on my credit file. I have been in contact with Experian regarding an inaccurate reporting account. You're required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? On XX/XX/2021, I uploaded documentation to Experian from XXXX XXXX which is a third party/vendor, stated that the file of the public records was inaccurate. 
Therefore on your file the court name is not accurate - each bureau must report the actual name of the court, followed by [ city, state ]. Remove immediately. 
So I am included the correct name of the U.S. Bankruptcy Court Western District of Texas ( XXXX ) Bankruptcy Petition # : XXXX Experian has listed the file US BKPT CT TX 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 2018-08-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am presently trying to lift freeze with the three credit bureaus. Everyone I speak to is a foreign. I can not UNDERSTAND what they are saying. I ask for someone that speaks XXXX and I get another foreign person. This is ridiculous!! I began by answering security questions about my prior employment so I could lift freeze. I was given 5 answers to choose 2 from. Only 1 was where I worked. The other 4 were - 1 was my medical insurance company that I have, 1 was a credit card that I had, 1 was a debt consolidation company I used, and 1 was a company that I did business with. What gives? Because I didn't choose one from the other four answers I will have to mail in letter with a personal info. There is definitely a problem with the credit bureaus and someone should address it. My credit report has a freeze because someone compromised my account. In 2016, I had {$16000.00} of charges racked up on my account that luckily my bank caught then Equifax said my credit report was compromised. If they are so great then how the XXXX did all my info get compromised!!!. Now they worry about keeping it secure. The saying is don't close the gate after horse gets out. Hope that this sort of thing gets corrected. I am DISGUSTED with how people 's personal information is stolen and there is nothing you can do about it. I'll try an attorney next.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I saw in my credit report that is from 'Trans Union XXXX File Number XXXX, report created date XX/XX/2015I had never owed to XXXX, XXXX and Original creditor XXXX, I had never paid to anything to collection. This balance paid on time to original creditor never late. So my credit report has incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Equifax Security Breach worries me. You mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim your website, and would like a resolution. 

You did not notify anyone quickly enough and admit that you will not notify everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This report is for the credit bureau Equifax which recently revealed that it mishandled my credit information and that of XXXX others by exposing themselves to a large scale security breach. Although not proven conclusively, there are major indications that there were major lapses in Equifax 's security coverage and these were not addressed in a timely manner. 

Additionally, Equifax has not provided any sort of remedial credit/identity protection service and is instead still charging {$19.00} for their credit protection service. This is entirely unacceptable in light of the cybersecurity breach. 

I am also listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KY
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:
Equifax mishandled my information and according to equifaxsecurity2017.com my data was comprised during a cyber security incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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: Information belongs to someone else

Complaint:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The Items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal trade commission and I also attached copies of the federal trade commissions identity theft affidavit. please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Professional Accounts Service, Inc. (Indiana)
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTORS KEEP SKIP TRACING MY CELL TRYING TO COLLECT FROM FAMILY MEMBERS. CALLS FROM XXXX XXXX COLLECTR FOR PROFESSINAL ACCOUNT SERVICES , INC PRESIDENT NAME XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-24
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, this debt for { { {$280.00} } } appeared on my credit report. I have no knowledge of this debt. I have been requesting a signed confirmation with my signature that I opened this account over and over. They only replied to billing printouts. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report. 

They have sent me documentation with service under my name in XXXX, XXXX   XXXX and I have never lived in XXXX. but they continue to say that they have verified this information. They have also sent a service worker to my present address in XXXX which I moved into this apartment on XX/XX/XXXX, and he verified that I don't have XXXX when in fact as he found out after checking the wires outside of my apartment that I have XXXX. The service worker then left my apartment with no incident or resolution to what was to happen. 

This account was previously with another collection agency and I asked for validation as I have done with Southwest and they had none so they sold it to Southwest. Which I believe it is against policy and law for collection agencies to sell accounts to other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: MS
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 took a look at my credit report and I have noticed false and incorrect daya reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Involved in the Equifax security breach which is a mishandling of data putting myself and hundreds of thousands of others at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
About XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXXXXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my US Bank account to fraudulent investment firm ( s ).

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 2022-07-13
Company: MoneyLion Inc.
State: AZ
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 received an attempt to validate a debt in pursuant to 15 usc 1692g unless you are providing all 5 requirements the alleged debt is not valid. I am demanding my audit trail ( file 15 usc 1681a ( g ) ) send me my file. 

I've also overlooked the truth in lending disclusure and in pursuant to 15 usc 1605 the finance charge is the sum of all charges. Therefore if the amount financed which it very clearly states thats the amount that was provided to me on my behalf covered the finance charge, yet they used this deceptive form and language using adverb verb. The finance charge was {$160.00} and the amount financed was {$1000.00} the documents show everything but you guys misused my credit and have been collecting on something thats been paid. In pursuant to 15 USC 1692e false and misleading information I am demanding that you provide me with my file both on ledger and off ledger. You guys are double dipping and have already been credited, further more in your response you used a symbol and in pursuant to 15 usc 1692b ( 5 ) you guys are in clear violation of my consumer rights and I in pursuant 15 usc 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Therefore if no one is willing to comply I will start coming for redemption as you guys have already been credited because of the fact that I granted you guys this right. I can start coming for remedy I am simply demanding deletion for reporting late payments on my report even though the account Is already paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Equifax used insecure systems to store my personal information, including Social Security Number, Address, Birthdate, and more, along with millions of other consumers. They finally informed the public about a breach where this information was stolen. 

I checked on a site they set up and both my wife and I are shown as being victims. 

I have taken the steps I can to secure our reports, but this has huge implications for filing our taxes, getting credit in the future, and all the other potential problems of identity theft. 

To top it off, Equifax and other agencies get to charge {$10.00} to freeze your credit and another {$10.00} if you need to unfreeze it. Equifax, and honestly every reporting agency, should allow your credit to be frozen for free and at any time. Especially in response to this issue where they created a problem I would then have to pay them {$10.00} to correct. 

They offer a credit monitoring service, but added language that indicates you can not participate in a class action lawsuit if you make use of it. At every turn they are making the wrong moves and the government should take action to protect the consumers harmed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: KS
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:
Experian has had a leak of personal information and I 've been included in the peak. Their irresponsibility will cause me to use my own time and money to protect myself and fix any problems with my credit history.

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