BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.

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 2022-07-06
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:
To whom at may concern : I know my right under the Fair Credit Reporting Act. 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 account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX 15 usc 1681 section 602 A. states I have a right to privacy.

15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 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 then records of convictions of crimes which antedates the report by more then seven years.

15 usc 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One charged a False Cash Advance Charge for {$10.00} which was applied to the balance. The reason they claim this was charged was because a payment I made for a loan through a bank with a Credit Card, they 're claiming was a Cash Advance.
This is a fraudulent Fee Allocation because I simply used a Credit Card to pay a bill, not to receive cash or a cash loan. I have discussed this with a Credit Card Attorney, and they 're claiming that you can not allocate Cash Advance Fees for Transactions that took place where no Cash was received by the borrower. If the borrower is not absolving any cash, then such transaction is categorized as a Purchase. Furthermore, the Available Credit on the account appears to be demoted to {$0.00} even when there 's sufficient credit available above {$0.00} as a result of Pending and Posted transactions.
Speaking with some representatives at this company, I am shocked at how some of these people address borrowers. These people are extremely unprofessional and tend to deflect any responsibility for any wrongdoing. If this behavior continues, I will gather a group of members together to file a civil action lawsuit against Capital One for abuse of its authority and wrongful debt allocation. I am not alone in this situation, and luckily I know many people who have the same issues with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Byrider Franchising, LLC
State: OH
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 filed bankruptcy in XX/XX/2021 and the CNAC account on XXXX is currently listing that I owe on the account when it was actually included in the bankruptcy. I have disputed with XXXX several times but no changes have been made, the bankruptcy petition was also sent as proof, the other two major credit bureaus are reporting correctly this account as included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Disputed with Experian creditor not entitled to report debt not owed and included in bankruptcy ; yet, company constantly refused to adhere to Fair Credit Reporting Act by deleting and illegally monitoring social security number, allow creditor reaging debt 18 years ago which was dealt with in bankrupt in addition to continues to delete and/or refuse to allow personal statement & manipulating personal credit report since bankruptcy case successfully closed in 2012

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 2017-09-09
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:
My SSN was compromised in this recent data breach due to lackadaisical security policies carried out by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i wanted to pay my payment for victoria secret credit card by call and on the commenity bank easy pay but their system has been down for more than two weeks and im afraid it will affect my credit score tho they said it shouldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
To whom at may concern : I know my right under the Fair Credit Reporting Act. 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 account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 15 usc 1681 section 602 A. states I have a right to privacy. 
15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 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 then records of convictions of crimes which antedates the report by more then seven years.

15 usc 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 non-monetary relief
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  XXXX Balance : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Asset Recovery Associates ( ARA ), Inc.,  XXXX. XXXX XXXX, XXXX XXXX, Illinois XXXX, demanding payment of {$12000.00} for a debt I supposedly owe to XXXX XXXX XXXX, Account number XXXX. The letter did not provide any more information about the alleged debt. I have never done business with XXXX XXXX XXXX and I do not know anything about this debt. I absolutely, positively do not owe this debt. The letter is signed by XXXX XXXX and is dated XXXX XXXX XXXX and shows the ARA file number to be XXXX. The letter further states that if I do not respond to the letter within 30 days, ARA will assume the debt is valid. I 've done research on ARA online and found that they have a long history of credit collection abuse. ARA 's letter is obviously a scam to try to trick an unsuspecting recipient into paying debt they do not owe. I will follow up this complaint with a letter to XXXX XXXX of ARA denying I owe the debt. The letter will be sent certified, return receipt requested via the US Postal Service on Monday, XXXX XXXX XXXX. Here is the text of the letter : XXXX XXXX XXXX XXXX XXXX Asset Recovery Associates, Inc. ARA, Inc. XXXX XXXX XXXXXXXX, XXXX XXXX, Illinois XXXX RE : ARA Account File Number XXXX Sent Certified Mail, Return Receipt Requested Attached is a copy of the letter you sent me on XXXX XXXX XXXX, wherein you allege I owe XXXX XXXX XXXX and/or ARA {$12000.00}. I DO NOT, I REPEAT, I DO NOT OWE THIS DEBT! I have never done business with XXXX XXXX XXXX. Stop attempting to collect this debt from me. Note that I have filed a complaint against you with the Consumer Financial Protection Bureau. A copy of the text of that complaint is attached. Any further attempt to collect this debt will be a violation of the Texas Fair Debt Collection Statutes. If you, or any of your assigns, make any further attempt to contact me regarding this debt, I will pursue all legal an administrative remedies I may have against ARA, Inc., Asset Recovery Associates and you personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$130.00} Status Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed

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 2022-07-06
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions. 15 U.S. C. 1666 B : 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 2017-08-20
Company: Allied International Credit Corp., (US)
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter to Allied International Credit Corp in reference number to their debt ref number XXXX. The debt collector ( XXXX XXXX ) failed to validate the debt after 30 days. Debt collector is continuing to contact me and is in violation of the FDCRA. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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  is reporting inaccurate information on my credit report. 

1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 

3. XXXX XXXX wont provide accurate information on contract to validate account. 

4. XXXX wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 

5. TransUnion wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 

6. XXXX XXXXXXXX reporting incorrect date of last activity, XXXX XXXX is Re-Aging account eah month. 

7. Every month XXXX XXXX change the Date of Last Activity. 

8. XXXX  reporting incorrect information. 

9. TransUnion is reporting incorrect information. 

10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.

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 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, On XX/XX/XXXX I found evidence of identity theft on my credit report. I then realized that my identity had, in fact, been stolen. An address and multiple phone numbers were taken out in my name and used to obtain several credit cards including 2 from Capital One. One of those accounts has since been found as fraudulent however the other one remains. That account has a due balance of {$460.00} and was opened on XX/XX/XXXX of XXXX. Several times I have filed fraud notifications with the company and each time they continue to tell me that they find no evidence of fraud. Each " investigation '' seems to last only a couple of days. I have never been contacted with an explanation other than that they " have found no evidence of fraud ''. After speaking with multiple representatives I have discovered that since the address and phone number matches my name, Capital One will not identify the account as fraud. Recently I have submitted a full police report containing my sworn statements & a possible suspect, my tax returns with proof of my address and phone number from XXXX & XXXX, an email from the landlord of the property the card was sent to stating that I have never lived there, an affidavit I signed for another bank concerning fraudulent activity on a card sent to the same address, a letter from another bank explaining that fraudulent activity had been found, and a picture of my license. After sending all of this, I received yet another letter within 2 days saying no fraudulent activity has been found due to " limited information '' provided. This is the MOST information I have ever sent to any bank. Please, I need help. I am willing to cooperate, I just need someone from the fraud team willing to work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20
Company: EQUIFAX, INC.
State: NY
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:
XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017. Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. XXXX Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, and XXXX Ref # XXXX, and TransUnion # 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 non-monetary relief
Consumer complaint received 2017-08-20
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had an account with XXXX. My equipment was all picked up when I was n't home. I did n't get to sign anything or I did n't call them. They got all of their equipment and my bill was about {$300.00}. They charged me {$470.00} more than I supposed to pay, leaving it {$770.00} in collection. I got the issue resolved and I currently have my services active for a year straight right now. Now it says the same thing again and its ridiculous. I 'm getting cheated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Exeter Finance Corp.
State: IL
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:
I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover six months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I keep getting emails and texts stating I have applied for and been approved for a Bank of America credit card. I have never applied for a credit card from Bank of America. I contacted them and reported the fraud but I keep getting texts/emails stating I have been approved and the credit card will be mailed to me. The only information I have on the credit card are the last 4 digits of XXXX. I have not received the credit cards they say are being mailed. This all occurred starting XX/XX/22 and is continuing as of today.

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 2017-08-20
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:
Credit reporting agencies XXXX, XXXX and Experian refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from Experian, XXXX and XXXX. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!

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