BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an account with the name Capio Partners under my collection accounts. It mentions that I have {$720.00} to pay off. The report was placed on XX/XX/XXXX. My credit score dropped drastically by 89 points after this change. The account is associated with XXXX XXXX XXXX. I called the company. They mentioned that it's associated with XXXX XXXX XXXX and they were not being specific, eventually asking me if I wanted to pay it off now or set up payments. After that day I kept receiving repetitive calls. They mentioned payments that go back to XX/XX/XXXX. I don't recognize this account or name at all. I am sure I have nothing due. All my physicals, medication, and visits have been covered by XXXX. I have attached proof of my XXXX XXXX. I was never aware of this. I never received bills that were due. My hospital verified that my account had nothing due. I'm at the age of XXXX and I have been paying all my bills on time, car insurance, and my XXXX XXXX Credit card. I have not missed any payments. I have been paying my monthly bills in full statements. My score was at XXXX and it dropped to XXXX. With further proof, it states in the XXXX website " This business currently has nearly 696 complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 387 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11
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:
YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS

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 2020-01-11
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
What continues to happen is that an old collection from XXXX XXXX XXXX ( which I have no knowledge of ), keeps transferring from agency to agency, who then illegally " re-age '' the debt and place the debt back on my credit report as if it is new. Firstly, the debt, from my recollection, first appeared as much as 7-9 years ago. This alone makes the debt beyond the stature of limitations for collection. This re-aging has occurred before and I had to take steps to have the item removed, only to have it re-appear on XX/XX/20. Previously, the debt appeared under " XXXX XXXX XXXX '', among others. Please take action to notify the company that such re-aging actions are illegal under FCRA, FTC and CFPB laws. This latest instance has lowered my credit scores by nearly 90 points. 
I receive repeated attempts daily from various area codes but rarely a message is left. This appears to be a {$100.00} debt as reported and these companies are freely and repeatedly violating the laws

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 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Account status incorrect

Complaint:
My mortgage is in a forbearance status and should not be reporting any late payments. Please remove all late payments and reflect them show paid on time. I have never been late

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 2020-08-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My mortgage is in a forbearance status and should not be reporting any late payments. Please remove all late payments and reflect them show paid on time. I have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My mortgage is in a forbearance status and should not be reporting any late payments. Please remove all late payments and reflect them show paid on time. I have never been late

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 2020-01-11
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:
Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with XXXX and therefore any account with XXXX has to be removed.

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 2015-09-20
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On XXXX/XXXX/2015 I received notification from the XXXX credit reporting agencies that my credit has been pulled from cash central. I have never done business with this company. I did not apply nor authorize a credit check from cash central. I called the company and let them know. I asked for the inquiry to immediately be removed from my report. They refused. They stated I must fill out a packet and send back in further delaying the profess of removing the mark from my credit report. In researching this, I have found numerous other complaints on the XXXX that state exactly what happened to me. Seems this company does this often. I want this inquiry removed immediately from my credit report and steps put in place by this so called company that ensures it does n't happen to me or anyone else again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAPITAL ONE BANK USA N, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA N, XXXX. XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information reporting on my credit is inaccurate and I don't recognize any of these accounts. must be removed while I invest these account.

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 2020-08-15
Company: WELLS FARGO & COMPANY
State: MA
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 can't believe what I saw on my credit report.. It says late 30 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment 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
Consumer complaint received 2015-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion continues to allow my report to be accessed by not locking my report immediately after. I have documents that support XXXX requesting Transunion to remove the Inqs, XXXX is fraud hence they removed the accounts so the Inquiry remaining makes no sense, XXXX bank XXXX TIMES! thats absurd I just opened a checking account, XXXX a " XXXX XXXX '' which appears to be a dealership in XXXX XXXX!!!! How derelict can they be! REMOVE THESE INQUIRIES IMMEDIATELY AND SEND ME MY REPORT ALONG WITH A PROPER INVESTIGATION. 

SEE THE ATTACHED AND REMOVE THE INQS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Agency keeps calling me stating I owe them money for an account that they state was sold to them. I believe the debt not to be mine and am requesting a full validation of debt, original signed agreement with original company, and full list of all charges that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: TX
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:
Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for Chapter 13 Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my report,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
cfpb I'm asking your company to Take action on Transunion due to Fraud On my credit report on XX/XX/19 and XX/XX/19 I recieved letters from Transunion claiming that a XXXX  accout XXXX was deleted from my credit file after reviewing my credit report closely I noticed that Transunion had made up a different account number with the same creditor and took that information and reporting false info on a different account number this is a violation and fraud I have contacted a lawyer to discuss a lawsuit this is Just not right. Since Transunion is doing fraudulent activities I'm really concerned about this matter CFPB Please Look into this matter very serious! cfpb please look at the account number that they sent out to me saying the account was deleted and Look at XXXX report with the same account number. and now look at the account that transunion has made up and transferred info to a bogus account number i just CAN NOT BELIEVE THIS MY XXXX  Since I have seen this I'm going to excercise my rights On FCRA 609 I Want and need everything down to the consumer contract the law is very clear Disclosures to consumers [ 15 U.S.C. 1681g ] ( a  ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 )  All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and I just CAN NOT BELIEVE A COMPANY WOULD SO SUCH A THING I SWEAR ON MY KIDS LIFE A LAWSUIT IS COMING I PROMISE YOU THIS IS NOTHING BUT 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 2020-08-15
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:
The information reporting on my credit is inaccurate and I don't recognize any of these accounts. must be removed while I invest these account.

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 2020-08-15
Company: EQUIFAX, 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:
The information reporting on my credit is inaccurate and I don't recognize any of these accounts. must be removed while I invest these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In rebuilding my credit, I 've opened  XXXX  accounts w ith Capital One and  have never missed or had a late payment.     For reasons unbeknownst to m e, Capital One r estricted my last open account without disclosing any information why on a Saturday in  XXXX . My card was simply unusable.     Upon callin g Capital One, the c ustomer service rep informed me that s/he was unable to help as it was a weekend and that I would have to wait until Monday to speak with the fraud department. After waiting through the weekend, I called on Monday to the fraud department. They informed me that there was an " internal investigation '' and my account would be on hold for up to 30 days. When asked why, they said there was no further information they could give me and were unable or unwilling to escalate my call to a manager.     I called almost weekly as I still had not received any information from  Capital One.  On  XXXX   XXXX , after receiving a call fro m Capital One ( the *first* contact from them on their end ) w here the fraud representative said she still did not understand what was going on with my account and she 'd update me in a week, I went online to check my account.      Capital One ha d closed my account on  XXXX   XXXX  and, again, never informed me, or even informed their fraud department, as the individual that called me still said that she was unable to see any information on the account.     I called in again and would n't get off the phone until they transferred me to a supervisor, even though the rep advised me that " they wo n't be happy that I 'm transferring you. '' After being put on hold, the supervisor said that due to an internal error they closed my account, having nothing to do with me, my payment history, or my credit, and that the decision was final and I should be receiving a paper notice in the mail within the next week.     To be clear : no matter if you make your payments consistently and on time, never ONCE have a late payment, and have more than one account with them ( I also have a car loan and other credit accounts -- ALL in good standing and not one ever having a late payment ) Capital One can and will just close your account, never inform you, and then, after 45 days of no contact or explanation, state that the agreement you sign says they can close your account for any reason.     This is unconscionable behavior for any company, let alone a company with the power to control and rate, your credit. Beyond disappointed in ho w Capital One treats  their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company is reporting to the credit bureau a debt that I do not owe nor have I ever owed them or any company associated with them. They are not reporting an account number on my credit bureau so it makes it very difficult to contact them. Yet they continue to report this erroneous debt that is affecting my good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX XXXXXXXX XXXX XXXX Amount owed {$4500.00} this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-11-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i sent letters to all 3 credit bureaus stating that i did not recognize any of the inquires on my credit report and dont know where they came from and i also explained my information was exposed in the data breach and forwarded accounts and inquires that were not done by me. when i call they say they dont have any of my paper work on file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019 Suntrust Bank placed an hold on my business account for no reason and my {$7200.00} has been held until today. I tried to contact Suntrust several times but they keep telling me that my account is under review. This issue really affected my business, it has been 2 weeks now and I can't do any business transaction while my capital is held

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 2020-08-15
Company: Collection Bureau of America Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier this year, COLLECTION BUREAU OF AMERICA reported a collection on my brother 's credit reports who never lived in XXXX Texas. He filed a complaint with CFPB ( XXXX ) against this company on XX/XX/2020. The company responded with a letter ( attached to this complaint ) and associated me with an address that I never lived at and reported Collection under my Social Security Number. I have attached a record of my student apartment 's lease payment where I lived for years. 
COLLECTION BUREAU OF AMERICA has a very poor reputations that can be seen on the internet.

Company response to consumer: Closed with explanation