BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
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:
Experian : you are reporting inaccurate information on my credit report which is a violation of FCRA METRO @ XXXX enacted XXXX this gives me the right to have them removed. enclosed are the factual documents that you are reporting in violation

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 2017-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is unbelievable Equifax has destroyed my life and are refusing to fix the problem I can not get my score or credit report my creditors can not run my credit I can not buy a house some I 'm stuck renting losing thousands of dollars each month I called 20 times now trying to fix the problem they refuse to fix it they say my file is split but refuse to merge it, they have told me to lie to creditors to try and remove items fraudulently so please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Deposit Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$98.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history 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 Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/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 2022-02-05
Company: FlexShopper, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have XXXX XXXXXXXX XXXX app on my phone. The other day a pop up appeared asking to block last call. I checked the log and I saw 30-40 instances of a number calling me. I decided to call in back and the first person I spoke was very abusive and hung up on me, all from me asking questions. I called back immediately and spoke with a young lady and her and I were working out this issue. However, this company continued to call me 18 more times after this interaction.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One charged {$200.00} to my account and I tried contacting them and I also tried contacting my bank for more information on where this transaction came from. 

Please help resolve this. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive applied for a credit increase from Capital One for my MasterCard account ending in XXXX and they will not increase my credit despite my excellent payment history or time Ive been with them which is completely unfair ... Ive called Capital One about this and they say its out of their control ... Dates I requested credit increase are as follows ; XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 ... the responses given to me by Capital One are as follows ; A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits.A credit limit increase on your account is not currently available upon request ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: DC
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:
The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;

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 2022-02-05
Company: Self Financial 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am conducting this complaint on the SELF credit card. I have tried several times for months to pay my card off, however, the payment always states failed and the transaction never goes though. I have tried to call the customer service number over a course of months and even waited on the phone for 2 hours on hold. Even then I could still could not get into contact with anyone. Finally when I contacted them though email, I received a response. Unfortunately, it did not even help me find a solution. In that instance I asked for a supervisor and the associate stopped contacting me. This card is starting to affect my credit score in a very negative manner and I just want the issue to be solved correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a collection account on my credit reports from CREDIT BUREAU SYSTEMS that says I owe {$360.00} to XXXX XXXX  XXXX that I do not owe. I paid this debt directly to XXXX XXXX and can prove it with XXXX XXXX XXXX own account statements, my HSA account statements, and I can also prove that XXXX XXXX shows that I owe XXXX dollars when I log into my online account with them. This is from a XXXX I had last year and I used my HSA card to make payments. 

I have tried to dispute the account but I have had no luck, Credit Bureau Systems will not remove the debt. Please help me with this matter, I do not owe this debt and would gladly prove it to anyone willing to listen. 

I have attached files showing when the debt was incurred due to a XXXX, and also a statement summary where you can clearly see the debt being paid down, with payments never having longer than a month in between them. This never should have been turned over to a collection agency in the first place. Thank you for taking the time to look into this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX SXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX 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 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 explanation
Consumer complaint received 2019-07-30
Company: WorldRemit Corp.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$570.00} to XXXX using the online service of WorldRemit money transfer on XXXX XX/XX/2019 ( 5 days ago ) now today they start to asking me to send them my passport copies, driving license ( front and back ) bank statement, and AN SELFIE OF ME ( I still don't know what for ) then I have to call their agents to verbally say to them my address, phone number, the company I'm working for, why I'm sending the money, to whom and what is our relationship ( is only {$570.00} US dollars ) Five days after I send my money, WORLDREMIT do not deposit to the recipient, Mr. XXXX XXXX in XXXX, this means WordRemit is doing business with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
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: Public record information inaccurate

Complaint:
I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, XXXX and Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : Experian has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the Experian report. I have tried to speak to Dispute dept Reps from Experian only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that Experian uses so they could not help me or remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My two bank accounts ( XXXXXXXX XXXX  XXXX XXXX ) and my three credit ( XXXX XXXX/Capital One/Capital One -Walmart ). Giving me a VERY HARD TIME WHEN I'D DISPUTE ITEMS. RARELY WAS I REFUNDED. THERE HAS BEEN FRAUDULENT AND/OR UNAUTHORIZED CHARGES ON ALL FIVE OF MY FINANCIAL ACCOUNTS THAT JUST HAVEN'T BEEN INVESTIGATED AS I'D REQUESTED OR THESE CHARGES REAPPEAR AND OR CAUSE MY ACCOUNT TO BE OVERDRAWN AND OR USE MOST OF MY SSI/XXXX XXXXXXXX INCOME AND LEAVES ME UNABLE TO PAY MY MONTHLY BILLS AND TAKE BASIC CARE OF MYSELF. MOST IF NOT ALL OF MY ACCOUNTS ARE SEVERALLY DAMAGED RIGHT NOW! I'M REQUIRED TO CLOSE DEBIT CARDS WHEN THE BANK KNOWS I HAVE BILLS ETC. MY MONEY IS NOT BEING REFUNDED PROPERLY AND IM NOW SEVERALLY IN DEBT AS OF XX/XX/22. I'M REQUESTING ASSISTANCE IN INVESTIGATING THE ACTIVITY ON MY ACCOUNTS, ESPECIALLY SUSPICIOUS ACTIVITY. THANK YOU. CALL ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-11-26
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not seen any doctor in the entire year of 2019. I have been in perfect health. I have never been to any of the locations of XXXX XXXX XXXX. This is not my medical bill. They have the wrong XXXX XXXX or someone used my information. I was a victim of the XXXX  breach. I will not pay this bill and it is the only negative info on my credit reports because I pay my bills and have 100 % on time payments of my accounts. If this company does not remove this ASAP I will file civil action with no delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
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:
A collection account with The Law Offices of Mitchell D. Bluhm & Associatges, LLC was reinserted on my XXXX account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added 2 1/2+ years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!

Company response to consumer: Closed with non-monetary relief