BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXX XXXX XXXX XXXX Account : Account : XXXX Account was paid in FULLL and deleted from all three Credit Reporting Agency. XXXX is the only credit Reporting agency that delete and reappears back on my credit XXXX Account : XXXX This account is in collection with a past due amount of {$1100.00} according to the Metro 2 compliance need to be deleted. 

XXXX Account : XXXX This account is in collection with a past due amount of $ {$7200.00} according to the Metro 2 compliance need to be deleted. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA ENACTED CDIA Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copy of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 
Accounts XXXX XXXX XXXX -Account # XXXX ( Month Showing Late XX/XX/2022 )

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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was notified by Capital One that an application for a credit card has been submitted and was under review, when I had not applied for any credit card or service. I also received notifications from my credit monitoring service that a hard inquiry was posted to my report. I called Capital One and they cancelled the application. I also started an initial fraud alert through XXXX and opened a dispute. They recommend I reach out to FTC.gov to file a police report, which then brought me here since it was credit card related.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX charged me {$95.00} annual fee on XX/XX/XXXX the folowing year when i switched to a no fee card they charged me {$95.00} on XX/XX/XXXX more than XXXX weeks before the XXXX fee was due to expire. I received my new no fee card however the bank still charged me {$95.00} for a no annual fee card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: WELLS FARGO & COMPANY
State: PA
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:
Wells Fargo Credit Card 2 historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal.

In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Transactions are not included in the report and the request to is to remove late payments from XXXXXXXX XXXX, and 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 2023-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have XXXX late payments being reported by Capital One. They are being reported on a credit card that I had during the covid XXXX pandemic. I have had it paid off in full as of XX/XX/XXXX. I called on XX/XX/XXXX to request some type of action taken to help remove these late payments, due to the fact that I have not had a single late payment, or missed payment on my credit report since this incident. Including on an auto loan that was approved by Capital One Auto Finance on the date of XX/XX/XXXX in the amount of {$28000.00}. I have made every payment on time. Due to the C.A.R.E. act I wanted to have some if not all of these late payments removed from my credit report due to the hardships felt by myself and my family during the pandemic. The women I spoke with over the phone on XX/XX/XXXX told me that there is nothing that she can do for me, because they are not a credit reporting agency. I simply want these off my credit report, because they do not represent my ability to pay my bills on time shown on the entirety of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: IL
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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-08-28
Company: TD BANK US HOLDING COMPANY
State: CT
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:
A check was written on aTD account. TDs system charged the amount to another customer, not my account. When discovered, my account was closed by their fraud department. Even though I have been inconvenienced beyond my wildest expectations, they will not admit nor assist me with resolving any of their problems. They are now going to take the money back from the payee. I have instructed them to deduct it from my new account with them. They can not do that as their system will not do that. I wrote that check in faith that it would be handled properly. It appears that TDs system will not allow that. I am at fault and quilty of fraud instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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

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 2023-09-20
Company: EQUIFAX, INC.
State: DE
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 2023-09-27
Company: EQUIFAX, 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, Total XXXX XXXX : # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF EDXXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX Texas XXXX I have continuously disputed my credit report and have asked them to remove items that are showing on my credit report that are duplicate, charged amounts incorrect, name on accounts not correct, accounts have also been sold to debt collectors and they continue to change dates on the credit report accounts to show they are recent yet they are old accounts. 
The following have been disputed more than once. The credit bureaus will not remove. Please remove : 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 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

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 2023-10-19
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XX/XX/2023, at approximately XXXX XXXX, my phone rang. Caller ID said " SPAM RISK '' so I did not answer. A voice left a message saying it was State Employees Credit Union calling to confirm unusual use of my card in the charge of {$940.00} to some insurance company. I DO NOT BELONG TO SECU, I DO NOT HAVE A CARD SPONSORED BY THEM. I called to tell them that -- XXXX -- and XXXX XXXX was unavailable but her machine would take a message. I told her to stop scamming people and that she ought to be ashamed of herself and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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:
XX/XX/2022 XXXX XXXX Solutions sent me a letter in themail as a 3rd party debt collector demanding that I pay a debt owed to them. The original creditor was XXXX XXXX. I never gave XXXX XXXX permission to give my information to them which is a violation of my privacy on XXXX XXXX end. 

XXXX XXXX XXXX violated three ( 3 ) of my consumer rights.

Unfair Practices - 1692F any unfair means to collect alleged debt False or Misleading Communications -1692E false, deceptive, or misleading representation or means in collection with debt Contacting 3rd Parties 1692b ( 2 ) - stated that the consumer owes any debt

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 2022-11-21
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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 2023-10-25
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: Information belongs to someone else

Complaint:
I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Contacted Citi AAdvantage on XX/XX/2023, in regards to a credit card statement I received with purchases that were not made by me. The company has terminated this card and I will not be charged for the purchases and or fees

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 2023-10-20
Company: Paradigm Assets, LLC
State: DC
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:
JHPDE Finance I , LLC located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX and phone number of XXXX states I owe {$1900.00} on a XXXX XXXX credit card. I spoke with XXXXXXXX XXXX  over the phone two years ago, and XXXX XXXX ran my phone number, addresses, and social security number and could not find any record of me opening a credit card account. I called two months ago and spoke with XXXX XXXX  again regarding this credit card and was told no account exists in my name. I spoke with another collection agency over two years ago and was told the owner of this account was XXXX XXXX XXXX. JHPDE Finance I , LLC refuses to remove the account from my credit report and refuses to do a three-way call with XXXX XXXX XXXX customer, whom they are collecting for. I want this account removed from my credit report and to not show up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a car from American car center in XXXX tn XX/XX/XXXX it was a XXXXXXXX XXXX XXXXXXXX white i got the car just started a new job and stuff trying to get on my feet. Around XXXX XXXX something like that when i made my last payment they closed couldnt get in touch with nobody couldnt log in my account or nothing. The phones was off just couldnt get no one. So around XXXX or so XX/XX/XXXX they came and towed my car didnt know who these people were or nothing. I lost my job my kids couldnt get to school nothing no transportation i just moved to XXXX tn as well new life start. I lost everything bills still coming in no help at all, still without a car. My last payment was XXXX i was paying XXXX every XXXX weeks i paid XXXX in all or XXXX money lost. And they want me to pay XXXX to get the car back I dont even know where the cars at. I called westlake they are so rude, they breached the contract I dont know these people at all.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They have been dropping my score for no reason. I have also asked that all addresses and phone numbers be removed except mine : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX But they acted like I never sent this letter. I have XXXX copies and returned receipts to prove I have told them to correct all the other address on my accounts that are not mine. They have no XXXX. Reason for the drops of credit for no reason at all, nothing added or dropped! Its absurd what they get away with. They are reporting inaccurate information on my report for a long time now.

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