BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2019 - I Purchased a kayak from a XXXX ad called XXXX for {$130.00} - A payment posted to for {$130.00} USD XX/XX/2019 - Received notification my package arrived ; ran to the post office to pick it up. Received a small envelope containing a SUCTION CUP. 
- Contacted paypal and opened claim # XXXX because " Item not as described '' - Uploaded photos of the advertisement & item delivered for evidence. 
- Heard nothing from Paypal. 

XX/XX/XXXX - Logged in to see they resolved the case in favor of the scammer. 
- Called to talk with them and asked they review the evidence submitted. 
- Woman apologized profusely and realized the error ; said I didn't have to worry and it would be resolved in my favor. Assured me I did NOT need to return the item, as it was clearly a scam. 
- Waited for refund. 

XX/XX/XXXX - Paypal log claims they " emailed me '' but no emails are on record in my inbox. 


At some point a week after the XX/XX/XXXX call, I started 2 support chats with Paypal to figure out where the refund was. The first chat was cancelled prematurely when I walked into the other room while on hold. 

The second chat, I was informed that they reversed the decision and settled in the scammer 's favor. I tried to explain I had already spoken with someone who assured me I was all set, and he explained I needed to return their kayak. He kept telling me they would only support my claim if the item was " significantly different than as described '' in the advertisement. I felt like I was talking to the scammers themselves! How was a kayak the same as a suction cup?! 

XX/XX/XXXX - I called again, possibly speaking to the same woman, and she told me that I had to return the suction cup. I explained that I wanted to put in a complaint about the woman who had lied to me before & that I should not have to pay more money to return a suction cup -- plus then I would NOT have any evidence of their scam. I asked them how I knew they would reimburse me if the item was returned & specifically stated that I wanted it in writing. They refused to put it in writing. The woman also explained to me that they needed to get the seller 's address " translated from XXXX '' before I could return it and that I would receive an email from Paypal within 24-48 hours. It is now XX/XX/XXXX and I have no email with the translated address. Time is ticking down until the case will be resolved in the scammer 's favor, and I am utterly disgusted and discouraged. 

I am the victim of a SCAM and Paypal is treating ME like the criminal. 
I will never do business with them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I tried to resolve a dispute regarding a deposit charge that was supposed to be returned to me from a XXXX XXXX XXXX car dealership. Per the agreement submitted to the CapitalOne credit card company section 12 this deposit was supposed to be returned if the sale of a used car did not go through. This was acknowledged by Capitalone and discussed in detail with a fraud supervisor named XXXX in a recorded conversation but the CapitalOne company still did not reverse the charge and claimed the decision was not up them but with " either XX/XX/XXXX or XX/XX/XXXX ''. Capitalone did not live up to its Agreement to have protection from false billing as it claimed when I signed up with the company as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: EQUIFAX, INC.
State: CA
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:
Equifax has been non-compliant with removing the unverified account ( MEDICAL XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that ( MEDICAL ) was not established by myself but Equifax keeps verifying this account.Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: LEXISNEXIS
State: GA
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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Name : XXXX XXXX, XXXX XXXX Inaccurate Address:XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX Date Updated : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, US DEPT ED XXXX****Balance Owed XXXX {$1000.00} XXXX US DEPT ED XXXX*Balance Owed : {$6400.00}, US DEPT ED XXXXBalance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX XXXX XXXX*Balance Owed XXXX {$1100.00}, XXXX XXXX XXXXXXXX Balance Owed : {$420.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 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 2022-05-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2017-10-30
Company: Midwest Fidelity Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the company and attempted to dispute this debt because I do not owe this debt and was not helped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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: Was not notified of investigation status or results

Complaint:
I reviewed my credit report and found multiple errors. I reached out to the CRA to remedy the issues and they have not responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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 US BANKRUPTCY COURT CA LA ACCOUNT # XXXX & ACCOUNT # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
To Whom it may concern, On or about XX/XX/XXXX my wife and I were vehicle shopping due to the necessity of a reliable vehicle and were told numerous times that a XXXX XXXX holds it value prior to purchasing this vehicle. I moving forward with this understanding in mind having negative equity of {$3000.00} on a vanXX/XX/XXXX. The XXXX XXXX that was shown on this date which used the most manufacturer rebates was said to and I quote " Eat up was was negative in the vehicle prior '' was the Opportunity of a Life time. This seemed like a great opportunity for a hard working Service member and his family. My wife and I at this time were and still are re-establishing or rebuilding our credit and were told several times that we are taking the opportunity now to get back on track with rebuilding and would be able to refinance this vehicle with a lower payment and lower interest rate. The interest rate that was given was a 12.57 % interest rate and a monthly payment of {$700.00} cents. The total sale price of this vehicle with a down payment of {$910.00} dollars came to {$51000.00} at the very end. I am an understanding citizen that I am and was rebuilding my credit at this time, but this fine print was not understood and sales men tactics were used on a simple XXXX XXXX. I have made several payments on time since this tragic day in XX/XX/XXXX in the amount of {$700.00} each month. I have payed in over {$6000.00} dollars towards this vehicle. I am now {$16000.00} dollars now upside down today XX/XX/XXXX. When I spoke with Capital One on XX/XX/XXXX to refinance the vehicle loan as they originally stated. When no resolution was given. I called and stated that I would have to voluntarily surrender this {$18000.00} thousand dollar appraised vehicle XXXX XXXX according to the dealers. Capitol One assured me that vehicle would be auctioned off and all debt that was left after the sale. I would be still be liable for which is in excess of {$16000.00} dollars. I believe this to be a fraudulent sale. I believe in my opinion sales tactics and customer pressure were heavily applied into this contract and under false pretenses by Capitol One. I am at a loss for this company and how they gave false perceptions to a hard working service member and veteran. I hope my future and financial freedom are still intact after this surprise attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: AR
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 have filed multiple disputes with this company to let them know that this card is not mine and they need to delte it from my credit report. I've sent multiple ftc reports and sent them in police reports to remove this account from my report. It is not mine and needs to be removed from all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have notreceived any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : 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 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting incorrectly a collection in the amount of {$6800.00} on the XXXX XXXX XXXX XXXX., partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account does not belong to me and I have never heard of XXXX XXXX XXXX XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I attempting to transfer {$1000.00} from one checking account at Bank of America to another of my checking accounts at Bank America and accidentally transferred the money to a line of credit account that was closed years ago.

I have called Bank of America on four different occasions and they told me the {$1000.00} would be credited to my account within 72 hours of me notifying them of the error. 

The {$1000.00} has not been credited back to my account and I have bills to pay.

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 2021-07-16
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to the company I C Systems ( XXXX ) about this alleged debt on my report on XX/XX/2021 and my complaints fell on deaf ears. I've also filed a XXXX  complaint on XX/XX/2021 and after that they finally responded by sending me a bill. When i filed a CFPB complaint they said they would mail me information and you closed it but they didn't mail anything. I have been asking them to validate this alleged debt for over 120 days and all they did was send a bill through the XXXX  portal not even to me. How can they fail to validate this debt for over 120 days and still report it on my credit report. I know if they can't validate it in 30 days they must delete it off of my report. Well its been 130 days and no proper validation. A bill is not a validation i asked them for the original application that shows the debt is mine but they are playing games and ignoring me. They must delete this information ASAP.

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 2021-07-16
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from radius global solutions for a XXXX, XXXX  stating I owe a debt of XXXX regarding My XXXX XXXX visa. I never had a Visa from XXXX XXXX. I don't owe anything. This is not mine. 2 dated XX/XX/XXXX and letter state the same thing from first letter dated XX/XX/XXXX have not received any thing from another company just from Radius Glodal.

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 2021-07-16
Company: EQUIFAX, INC.
State: CO
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 sent a dispute letter to the three major credit bureaus to verify information being reported. Equaifax is reporting a " derogatory " account status on a PAID account. all three bureaus are reporting inaccurate and incomplete information. I have not received a response from XXXX, XXXX or Equifax,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
the following accounts appear on my credit report, without any authorization, they do not belong to me Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.

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 2021-07-22
Company: Experian Information Solutions 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:
MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.

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 2022-05-04
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:
in accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # 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 explanation
Consumer complaint received 2017-10-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX ( XXXX ) continues to report inaccurate negative information to the three major credit bureaus. On XXXX XXXX, 2017, I requested that XXXX provide the following information to validate the debt allegedly owed : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me.

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