BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2022-05-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy

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 2017-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
XXXX XXXX XXXX we paid XXXX XXXX and XXXX {$2500.00} with our Capital One credit card ... XXXX for a rental vacation home in XXXX XXXX, rental to be used XXXX XXXX XXXX XXXX XXXX upon arrival, the home was filthy, no clean linen, towels, dirty dishes stacked full in the sink. We called their support people, and they came with apologies next day and cleaned up. 
We complained and XXXX XXXX and XXXX assigned us compensation for {$200.00}, credited to our card on XXXX XXXX. 
XXXX XXXX we had no power nor water, a pump had broken and the owner kept the pump locked in a garage, nobody had keys. It took 2 days, with us driving around hunting for the people who could fix the problem. 
We sent complaints to XXXX XXXX and XXXX, via their online message system, w/o ever receiving a reply. 
We then filed a dispute w Capital One, they based on the reasonable dispute, credited our account {$250.00} on XXXX XXXX XXXX. They requested details, so we sent their filled out complaint form, on XXXX XXXX XXXX On XXXX XXXX XXXX Capital One billed our account for {$2500.00} again w/o any basis for the charge. Upon my complaint they discovered the error and offered to correct it They corrected it XXXX XXXX by crediting us w {$2200.00}, not {$2500.00}. 
I contacted them twice, and they are firm in that {$2200.00} is the correct reimbursement, their last letter ( enclosed ) stating that they meant to bill us for {$250.00}, not {$2500.00}, and that was the reason for the {$2200.00}. 
There was no reason for them to state that the " correct bill '' was for {$250.00}. There was no item we ever purchased for {$250.00}. 
If they are withdrawing the credit for {$250.00} which they made on XXXX XXXX, they can only do this if they have information, which they have not shared with us, from XXXX XXXX and XXXX, proving that our dispute had no merit. If had plenty of merit. 2 days in a rental beach home w/o power or water is fairly good cause for dispute/redress. 
The {$2500.00} bill of XXXX XXXX was an error, and it should be credited to our account in completeness. Very simple math, and very simple principle of honest trade policy. 

Let me state clearly : I do n't care about the {$250.00}, I just want XXXX XXXX  and XXXX to provide compensation for a bad service rendered under one of their contracts. 

Capital One claimed that our dispute ( XXXX XXXX XXXX ) was filed outside of the window for claims ( original bill was XXXX XXXX XXXX ) The service was not rendered until XXXX XXXX XXXX, and we have been complaining since then. On XXXX XXXX XXXX we had no way of knowing that the house facilities would be so broken down Capital One disputes address : XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX, Utah XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
an account was opened in my name XX/XX/2021 at barclays bank delaware and a {$99.00} purchace was on XX/XX/2021 I DID NOT OPEN THIS ACCOUNT Barclays bank delaware XXXX XXXX  XXXX XXXX DE 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 explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2018-11-27
Company: Experian Information Solutions Inc.
State: GA
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:
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.

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 2019-11-21
Company: Sequium Asset Solutions, LLC
State: MS
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:
Sequium Solutions refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: General Motors Financial Company, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In regards to GM financial account number XXXX I have filed complaints with GM, XXXX and XXXX. About the account. On XX/XX/2022 all XXXX places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when GM cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All XXXX of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've disputed multiple times with Equifax/XXXX/XXXX  and provided copies of statement that these accounts were never paid late and I also submitted to the company and credit reporting agency was responsible for removing and they didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2019-11-21
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Harris and Harris Ltd has been robocalling us repeatedly but we do not have any debts that are in collection. The calls and the numbers they came from were : XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX at XXXX XXXX XXXX at XXXX XXXX   XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was victim of identity fraud/theft. Someone opened up a XXXX credit card in my name. I contacted Transunion in XX/XX/XXXX, submit all the paperwork, contacted XXXX XXXX and submit all the paperwork with. It was confirmed to be fraud and was supposed to be removed from my account. 90 day fraud alert fell off my account, we were in the middle of moving across country/XXXX XXXX XXXX military/ needing to have credit checked to get a new apartment. 
Just found out my identity was stolen again to purchase something from XXXX so I contacted the Credit unions to put a freeze on my accounts. In doing so, I received a report from Transunion showing my credit report. It is still listing XXXX on my account - and this is about 6 months after the confirmed fraud. I attempted to call to dispute as I was not able to do it online and the person I spoke with was not only a bit difficult to understand and rude, I was not sure my problem was resolved after the call. 

Please help victims of identity theft. These agencies are just terrible to work with and we 're helpless!

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 2021-11-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax continues to incorrectly report a closed installment loan account originally with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) with a payment status of " Not More Than XXXX Payments Past Due. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " Not More Than XXXX Payments Past Due. '' I am fairly certain that this CLOSED XXXX XXXX XXXX account is being reported as " delinquent '' on my Equifax credit report and significantly impacting my credit score in highly negative fashion. I understand that Equifax is reporting the XXXX XXXX XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: BARCLAYS BANK DELAWARE
State: HI
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:
We applied for a Frontier Mileage Credit Card and Barclay bank on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee. 
We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently Barclay Bank does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box. 
The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card. 
We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles. 
At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX Report dated XXXX is outdated : We no longer have a mortgage and it states we have one XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported Balance {$170000.00} Debt-to-Credit Ratio 94 % Balances on Revolving Accounts have been paid down and are not correct. 

XXXX XXXX XXXX Reported Balance {$4600.00} is incorrect XXXX XXXX XXXX Reported Balance {$4900.00} is incorrect

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 2018-11-27
Company: Westlake Services, LLC
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is the second complaint I have filed against this company since XXXX, and I believe this latest tactic is a retaliation for the steps I have taken. Westlake Financial was contacted in XXXX after our issue was settled with the help of your office. During our conversation they offered to defer my XXXX payment until the end of the loan. I agreed to this. That should have negated my XXXX payment and made me only responsible for my XXXX payment. 
My XXXX payment was due on XX/XX/2018 and is scheduled for XX/XX/2018 of this month. I received a letter on XX/XX/2018 ( dated XX/XX/2018 ) that stated the following : " Your account is in serious default. Please be advised that your account has not reached the stage where definite action must be taken. We have begun a review of your account to determine what further collection efforts are required. Those actions may include steps to protect our interest in the secured vehicle, up to and including repossession, according to the terms of your contract. '' I find this amazingly aggressive for a 15 day delinquency and feel this is absolutely a response to my asking for my records to prove that they did not harm my credit as they threatened to when I refused to answer their question regarding why I was late. I was told that they would put that I was non-responsive to their claim, when that was not true. The resolution was that they told you they didn't have that in my record and would not release any part of my file without a court order.

Company response to consumer: Closed with explanation