BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TN
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:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX has placed an account on my credit. I have disputed this collection several times with the XXXX, XXXX and equifax credit agengies but it has came back as verified on only on equifax. All other credit agencies such as XXXX and XXXX has deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. the creditor has stated they do not have this information and has put this on hold while attempting to gather it. If they do not have this information then why is this being reported on my credit? this is fraud. will need to be removed. Equifax has refused to delete. as of this morning they claim it has came back as verified. I filed a complaint with CFPB and the collection agency responded verifiying that they do not have proof! I will be attaching their response as well. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Advised experian and the credit collection agency the debt was not mine. They threaten to keep it on file for XXXX years.

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 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to address some concerns pertaining to my private information and its sharing by consumer reporting agencies, specifically XXXX, XXXX, and XXXX. As a consumer, it is essential that my rights are upheld as stated under the Fair Credit Reporting Act 15 USC 1681 section 602 a. This act emphasizes the need for fairness, impartiality, and respect for the consumer 's right to privacy.

Furthermore, according to 15 USC 6801, it is the policy of Congress that financial institutions have an obligation to respect customer privacy and safeguard their nonpublic personal information. As a financial institution defined under this provision, ( Furnisher of information to credit agencies ) must adhere to these principles.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies are only permitted to furnish consumer reports based on the written instructions of the respective consumer. I have neither provided consent to ( Furnisher of information to credit agencies ) nor XXXX, XXXX, and XXXX to share my information. Any previous consent, whether explicit or implicit, is hereby revoked. 

Moreover, according to 15 USC 6802b c, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their nondisclosure options. I was never given the opportunity to exercise this right. 

I would also like to draw attention to the fact that 15 USC 1681C a 5 prohibits consumer reporting agencies from including certain adverse items of information in consumer reports, specifically those that antedate the report by more than seven years. It is evident that an adverse item is being reported without my permission, which constitutes a violation of the law.

Additionally, 15 USC 1681s 2 a 1 a states that it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and XXXX must ensure the accuracy of the information they provide. 

According to 15 USC 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes outlined in section 1681b. It is clear that XXXX, XXXX, and XXXX are not meeting these expectations. 

Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of the reporting services of all three companies ( XXXX, XXXX, and XXXX ). 

I hope that these issues are addressed promptly and that my rights as a consumer are fully recognized and protected. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: PA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Monday XX/XX/2022, my account was charged for {$340.00} by pretty little things limited. I disputed the charges with Chime and the dispute was denied. No explanation was given as to why the dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal continue to keep my money in their hands. PayPal does not allow my access to my money. Criminal minds get together and manipulate with my money. I need to pay bills and my money blocked away from me. This is unbelievable that I have to file complaint after complaint and nothing good happen. How come my complaints get closed at violators requests? The violators do anything, any tricks they want and everything to obstruct justice and retaliate the complainer. 
I am losing every day, because my money practically stolen by PayPal and XXXX XXXX. They want to make profit for them holding onto my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am filing this complaint because I'm going through a stressful time due to Kohls , Inc. actions. I filed an arbitration case against Kohls , Inc., which is reporting the accounts involved in this matter. Kohls , Inc. has refused to arbitrate the matter thereby violating the contractual agreement. Kohl is committing unfair practices with its customers.

I request an investigation of this company that evades its responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I AM WRITING TO YOU FOR THE FOURTH TIME TO ADDRESS THE ONGOING ISSUE OF A BANKRUPTCY ENTRY ON MY CREDIT REPORT, WHICH I BELIEVE VIOLATES MY RIGHTS UNDER US CODES 1681C AND 605B. DESPITE MY REPEATED ATTEMPTS TO RESOLVE THIS MATTER THROUGH MY PREVIOUS THREE LETTERS DATED ( XX/XX/XXXX  ), ( XX/XX/XXXX  ) ( XX/XX/XXXX  ) I HAVE NOT RECEIVED ANY ACKNOWLEDGMENT OR CONFIRMATION OF THE REMOVAL OF THIS UNJUST BANKRUPTCY ENTRY. 
BANKRUPTCY INFORMATION : XXXX, XXXX THE CONTINUED PRESENCE OF THIS BANKRUPTCY ENTRY ON MY CREDIT REPORT IS CAUSING SIGNIFICANT HARM TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. YOUR INACTION IN RESOLVING THIS MATTER IS UNACCEPTABLE. 
ENTION TO THIS CRITICAL MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Account status incorrect

Complaint:
I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases 30 years old and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain a lease at XXXX XXXX XXXX in XXXX Texas. I have contacted XXXX and demanded the information for this account. They do not even have my social security on file for said account, they have some other number NOT mine! My ssn ends in XXXX, the person they gave this lease to has another social. Remove this from my credit profile because it is not my account I have never lived in XXXX. I am attaching my FTC report and my police report for this. I am attaching my current lease in XXXX since XXXX. I did not sign a lease with XXXX in XXXX! XXXX XXXX XXXX has never even pulled my credit ever because they never leased to me! They need to match the social they have on their record to my credit file and they can not! This is identity theft.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed immediately

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
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:
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 These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Credit Karma, LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I keep getting preapproved credit card offers, build my credit etc that says odds of approval are great/high then I apply and get denied. Ruining my credit that I am trying to build! Then I get spam emails and calls from all kinds of places soliciting the same stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Professional Finance Company, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to the following account below and talked to them about the issue with my account as reported by the PROFESSIONAL FINANCE C. They have advised me that they will remove this on my credit report and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the PROFESSIONAL FINANCE C came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report wherein this account has been paid already. I have included in this complaint FTC report with the report number XXXX for your reference.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I have contacted Experian regarding this collection fraudulently filed on my credit report, they still refuse to remove this.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account.

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you 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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX & XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Collections : XXXX XXXX XXXX Account # XXXX Collections : XXXX XXXX XXXX  Account # XXXX Collections : XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of the XXXX data breach. I want this item deleted from my credit report XXXX. I have communicated with Transunion and presented to them the supporting documents stating I was affected by the breach, and it has been deleted from XXXX XXXX because of this data breach. Transunion refuses to remove this 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: CURO Intermediate Holdings
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 recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, AD ASTRA RECOVERY SERV is reporting that I have a collection with them, and I have never been in communication with this company. They were notified to validate this debt that is reporting on my credit report, but they have failed to do so. I will include the letter as well as the time stamp. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that they've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, they are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Please conduct a proper investigation and remove this account. Also include a contract bearing my personal signature. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Found a unathorized XXXX XXXX charge of {$370.00}. The next day I called XXXX XXXX  and they said they would not respond. Called chase to report the fraud and called XXXX XXXX. Chase has given me no proof to their findings nor has XXXX XXXX. Please I need some help.

Company response to consumer: Closed with explanation