BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
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 submitted a dispute letter for the XXXX  XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX  XXXX XXXX account number is not reporting the same for all XXXX credit bureaus. These violations have caused damages in my familys life. I would like for this account to be deleted. Here is my account information to us during the investigation into this matter. 

XXXX Account Name : XXXX  XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

Experian Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same.

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 2022-09-22
Company: Kikoff Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Kikoff has been reporting me delinquent and harassing me about an overdue credit balance even after I have paid off the account in full. 
I also had my autopay removed by them in XXXX which caused my account to default for XXXX $ which resulted in me paying the entire account off to avoid them harming my credit profile. This is very unprofessional. They are inconsistent with their reporting to XXXX and they continue to send me emails and text stating I am delinquent even though I have no account with them any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. Upgrade XXXXXXXX XXXX paid off, as well. Score didn't increase as with other XXXX agencies. Usage below 1 %. Please correct paid account and revise score for XXXX. 
TransUnion and XXXX both have XXXX hard inquiries more than XXXX yrs old. Should only be XXXX hard inquiry.

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 2022-07-29
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 have repeatedly requested the credit agencies to remove the unknown and incorrect addresses from my consumer report, yet they still remain. Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that XXXX continues to report inaccurate information was furnished, and I was never notified during the company 's initial investigation that they were going to report this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Scott Fetzer Financial Group Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XX/XX/2020, XXXX, vacuum cleaning company visited our house for product demonstration. The product was great when it was presented to us. The product was quoted for around {$2200.00}. I agreed to get XXXX and was offered for 24 months installment with their financial services and was advised of the payment. The XXXX agent told me that I must talk to them first, so i did. Beside the conversation over the phone, i didnt get document to at least read, they did not disclose all the information that the loan amount was for $ XXXX i am definitely, sure and i am positive that if this is the loan amount for vacuum then i will not get it, truly unacceptable. We are just an ordinary family, making salary just right and enough to pay bills and food, the main reason why we agreed to buy is to help my kids with their XXXX, but i was so surprised when i called today to check the payment history as I was expecting that i only have XXXX month left and im paid off. XXXX and United Consumer Financial are not disclosing all the information we need as a consumer and I badly need your assistance. They are not true to their clients and i dont want other people to suffer like what i am having right now. 

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC. 

FTC report was submitted and mailed in to Equifax however Equifax is breaking FCRA 605B ( 15 U.S.C. 1681c-2 ). No block has been made and they're still reporting on my consumers report.

Company response to consumer: In progress
Consumer complaint received 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I attempted to make a purchase of {$87.00} using pay pal credit. The Purchase was denied. The vendor accessed the PayPal system and attempted to make the withdrawal directly from my bank account when the PayPal credit Icon was selected. purchase. The Bank XXXX XXXX XXXX ) denied the transaction because the vendor did not have any authorization or proof of a purchase on a XXXX XXXX account.. 

After the failed identity theft attempt, Pay Pal, Rather than place the purchase of the vendor 's item on the original purchase platform offered by PayPal credit and accepted by me and allow 6 months for payment, PayPal took over the purchase and sought immediate payment prior to the 6 month contract that was agreed to prior to purchasing the vender 's service. 

PayPal has initiated collections activity prior to the 6 months that the PayPal credit agreement terms which I agreed to prior to the purchase. 

PayPal refuses to add the {$87.00} purchase on the PayPal credit account and wait for the payment. This is false advertising and identity theft by the vendor to access the bank account and trigger the shift the purchase from PayPal credit to PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I did a mobile deposit into my bank of America account. Because in the past I had no issues with 3rd party checks, I submitted a check that was in my companies name but signed check with my account name. I was told check will be cleared in several days. Days later I went into my online banking and it was closed. When I called Bank of America fraud department and risk department they said they closed my account based on this check I submitted which is a stolen check. I ask if they investigated with writer of check and bank who the writer of check banks with to verify it is not a stolen check, they said no to all the above. So I said how can they assume and then accused of accusations not correct if they didn't investigate. They said I will recieve a check with my funds left in account and account will be closed. After advising days before that check was stolen on XX/XX/XXXX they deposited check into my closed account that they closed based on this stolen check they said. If it's stolen why did bank deposit into my closed account? After calling everyday since this situation, no one in this department can give me dates or a time frame when they can return check of XXXX to the writer of check so that they may write me a new check and I can deposit in my new bank. Everyday it's the same thing, we have no time frame on when we will return writer the funds. When I state no time. Frame can mean months, years, and they said it can take exactly that. I have all recordings with all the departments spoken to at bank of America who again refuses to return funds that do not belong to them. The writer of check and the writer bank has given me a letter which shows that BOA deposit the check and that it was not a stolen check and that bank of America never contacted them to verify if this check was stolen or not before assuming and wrongfully accusing me of a crime never committed.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
AfteXXXX XXXX XXXX of timely payments, account closed by credit grantor due to a returned payment. Payment resubmitted as soon as return payment was realized and account is in good standing. This negatively affects my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am struggling for a little bit my work is slow so I missed a payment but made XXXX back already I am XXXX  months behind in rent I asked them not to take out things will pi k up quickly they are running me negative in my account and they are trying to take double out I tried to talk to them but they said tough XXXX I am going for a week with no meds I am XXXX  and so is my wife a week will be very bad for us they won't work with me they are rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: AL
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 account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXX XXXX XXXX XXXX  Account number XXXX and XXXX XXXX - Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an alert from XXXX XXXX XXXX and XXXX on XXXXXXXX XXXX,2023 that I opened a new account and it affected my credit score. I checked and saw that a credit card was issued by Fortiva without my consent. I already had retail credit with Fortiva for my XXXXXXXX XXXX for my home ( not my choice-this was the creditor I had to use when I set up XXXXXXXX XXXX for my home ). I never applied for a credit card with Fortiva. I did receive many emails offering a credit card by Fortiva but I never responded to their offers. I always ignored the emails unless it was the emails letting me know that my monthly charge for the XXXX account was being automatically deducted from my bank account. I did call Fortiva right away and then know what they did was not right and it has terribly affected my credit score. The rep knew how upset I was from letting him know that I never consented or approved them opening a major credit card. He apologized and closed the credit card account and told me to shred the card when it arrives. The Card arrived the next day on XXXX XXXX2023 so I shredded as advised. This has greatly damaged my credit score which I spent years getting to the excellent status it has been before this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 1 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$2700.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX XXXX  Report Date : XXXX XXXX, XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency. 

Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed 38 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$2500.00} High Credit {$2800.00} Available Credit {$2500.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency

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