BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
I moved out of an apartment everything was left clean and immaculate everything was paid and then I see a collection on my credit report from this rental company for no reason trying to charge me {$4500.00} for a dog cage they said that was left in the backyard mind you I did not even own a dog!! This is an error and it's impossible to speak with anyone that will help! Ive always paid my bills on time and never had any issues and now I need to move and this collection that SHOULD NOT be on my report is hurting me from getting a new home. PLEASE HELP!! These people XXXX are liars and won't even bother responding to my letters requesting PROOF!!

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 2023-07-27
Company: TD BANK US HOLDING COMPANY
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:
I am a victim of fraud, this account has hindered my ability to buy a home for my family. I have made a police report and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX. 

XXXX XXXX XXXXI am NOT late on XXXX 2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MN
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 # XXXXXXXX XXXX XXXX XXXX  Account # 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

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 2023-11-27
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: CA
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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX Balance {$940.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
attachment for XXXX # XXXX ERRORS ARE HIGHLITED!!

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 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, Capital One reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score 80-90 points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called Capital One on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with XXXX on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of 4 homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in Airbnb charges. The Capital One must pay for this cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
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:
Subject : Request to Remove Incorrect Information from Consumer Report I hope this letter finds you well. I am writing to request the removal of any information from my consumer report that does not correspond to my current name and address, as required by consumer laws. 

I have attached the following documents to support my request : 1. Identification ( Driver 's License/State ID ) 2. Passport 3. Recent mail These documents serve as proof of my current name and address, and I kindly request that you update my consumer report accordingly. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It has come to my attention that there may be inaccurate or outdated information on my consumer report, which is in violation of consumer protection laws. I understand the importance of maintaining accurate and up-to-date information, and I kindly request your assistance in rectifying this matter. 

Please review my consumer report thoroughly and remove any information that does not pertain to my current name and address. This includes any previous names, addresses, or any other personal details that are no longer applicable. 

I would appreciate it if you could provide me with a confirmation of the changes made and ensure that my consumer report reflects only the accurate and current information. Additionally, I kindly request that you inform me of any further steps I need to take to ensure compliance with consumer protection laws and to maintain the accuracy of my information across all credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response and the successful removal of any incorrect information from my consumer report. 

Sincerely, 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 2023-07-27
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a transaction on XX/XX/XXXX  with XXXX, which is still showing a pending/authorization of {$10.00}. Goldman Sachs/Apple card did NOT void out this transaction after 30 days since it was NOT captured/posted by the vendor XXXX 

This is an error on the system for apple card, but the card company refuses to make adjustment to my card. I have called 5 times and used their online chat 3 times. I have also asked to escalate my issue for technical help. 

My card is showing a balance that I can not pay because it is " pending '', which will carry over as a statement balance at the end of XXXX to XXXX. This will affect my credit score. 

If Apple card would just " void '' this pending transaction, my balance would be {$0.00}. There would be NO money owed and I would not have a balance carried. 

I am negatively impacted because of improper software and CS help from Apple card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX : I disputed the above account severa times and it came back verified and I want to know in the world is possible to verify something inaccurate and illegitimate especially when it violates my consumer right. XXXX, Equifax and XXXX are working in cahoots with XXXX XXXX XXXX to blatantly trample and violate my consumer right under the FCRA. 

According to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I am a natural person, I am a living human being, I have rights under 15 USC 1681 and these companies are governed by these laws and they violate my rights time and time again. I have a right to privacy and did not give these companies written permission to report the above misleading information which paralyze my way of living. 

I can go on and on showing blatant violations for the reporting agencies...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : Account Number: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 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.

I have requested for removal of this account because it is not mine. But they will not provide original contract or any information. This is fraud and Please remove this from my credit report immediately. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account Number : 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 2022-09-12
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I haven't received anything in the mail from this company I saw reporting on my credit report. I do not owe the balances saying I do. I have disputed with no validation being received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 There is incorrect information like this in my report and I want it removed

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 2023-11-27
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Paypal credit card is holding funds for long periods of time after payment is made. Payment of XXXX was made on XX/XX/XXXX and funds will not be released until XX/XX/XXXX because the " system '' declared it unusual. When I talked to paypal they said i should just make the minimum payment. XXXX dollar credit limit does not go far in todays world and when the card is bricked for over half a month because i payed it off like a good credit user i am being punished. They are holding XXXX of my money hostage and using it for their own gain. Last month in XXXX they did about the same thing and held money for 10 days after paying off the card once using it. To sum up paypal is holding payments and basically shutting down my card because im buying things and paying them off.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-10-14
Company: DISCOVER BANK
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I requested a refund from a fraudulent company because i needed to cancel my trip due to a recent XXXX. I called the company who I booked my trip through, XXXX, and they agreed to issue me a refund and sent me a receipt of {$430.00} being refunded to my account. The refund was supposed to be issued within he next 10 business days. On XX/XX/XXXX, they sent me anoher email telling me that " its a short matter of time for it to be reflected back to your account. '' ( documentation below ) However, it was never refunded, when I tried to contact XXXX again, they put me on hold for one hour and then hung up. It was at this time I realized I was dealing with a fraudulent company, so I contacted Discover Bank to file a claim. I also sent Discover the supporting documents which revealed that XXXX was going to refund the {$430.00}. When Discover Bank did their investigation, XXXX then went on and said that it was a nonrefundable transaction which contradicts what they previously told me, proving further that this company is fraudulent. I would like Discover to refund me my money, I have been a valued customer to them since XXXX, I would hate to have to terminate our relationship over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2022-10-14
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXXF Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF ED/XXXX   Account Number : XXXX DEPT OF EDXXXXE Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX  XXXX  XXXX ( XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX I ( XXXX XXXX XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : 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