BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are fraudulent and unauthorized inquiries on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information IMMEDIATELY!

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 2022-09-12
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XXXX of XXXX, I purchased a ( XXXX / XXXX XXXX ) & it was finanacised by Consumer Portfolio Services, and I agrred to the Terms of this Contract, even though the Interest Rates were very high, I signed the document & agreed to pay on time. The problem began once I began to make my monthly payments & once I received my Billing Statements, I realized that a GREAT PORTION OF MY PAYMENTS, WERE BEING DIRECTED TO THE INTEREST!!!! Also I was Charged ( {$2600.00} ) for an Extended Warranty that WAS DENIED BY THE XXXX XXXX WITHIN THE FIRST THREE MONTHS, BUT I AM STILL PAYING FOR THIS WARRANTY THAT HAS BEEN DENIED. Since submitting several complaints to the CFPB, I have received an updated payment record, showing the OUTRAGEOUS INTEREST DEDUCTIONS THAT XXXX, IS WITHDRAWING FROM MY MONTHLY PAYMENTS. The Contract that the Dealership created, stated that ( 26.60 % ) would be deducted every Year, but I have calculated the total Interest Payments that is being with held from each monthly payment, that ranges from ( 21.677 % to 67.583 % ) EVERYTIME I MAKE MY MONTHLY PAYMENT, THIS MAKES NO SENSE AT ALL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: DISCOVER BANK
State: NJ
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 have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is fraudulent inquiries in my credit report that I do not recognize. These inquiries are XXXX XXXX  with inquiry date ( XX/XX/XXXX ), XXXX with inquiry date ( XX/XX/XXXX ), & XXXX XXXX  with inquiry dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NJ
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:
Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital One will not remove late payments the reported on my credit reports in violation of FCRA XXXX XXXX a ) ( XXXX ) ( G ) ( i ). I have disputed this account several time and they will not remove the late payments they reported to the XXXX CRA 's. The account was paid in full and asked them to remove the late payments because I never received any FCRA XXXX ( a ) ( XXXX ) ( G ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX Contact information : XXXX XXXX XXXX Claims to have credit card debt under my name. Continuously harasses my father on his cell phone and never calls me. When I speak to them, they state : It is my burden to show proof that the debt is not mine. 
They continuously deny that they call my father. 
My last communication ( XX/XX/22 ), they harassed me with " presenting papers to me '' then hung up on me. 
I have asked repeatedly to stop calling my father. 
I willingly give them my phone number and repeatedly ask to call me and not my father. 

I have called the credit card company two times to make sure I am not crazy. They have no record of me. This collection agency has been harassing me and my father for the last year. These tactics are completely illegal and should be shut down. They do not offer up any more information other than the phone numbers my father provides me with.

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 2016-12-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has filed XXXX separate times with XXXX separate collection agencies, each time I 've disputed the acct, its been deleted off XXXX, equifax & XXXX XXXX, now they 've reported me again ( or I assume sold my acct ) with a different XXXX again called enhance recovery company, I 've continuesly disputed because this does not belong to me, I ca n't even dispute it with equifax because for some reason I 'm locked out of my report & I 've disputed it at least twice with experian but they just leave it there, funny thing is about experian a couple disputes of mine only took them one day to come back with their decision, I ca n't believe it took them one day, anyway I 'm so tired of fighting them, no matter how hard I try, my score has gotten so low, like XXXX & XXXX, from XXXX & XXXX, not the greatest but every time my acct is sold and placed again, it keeps XXXX it, help ... 
Ty, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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:
Ive been trying to get a home loan and everyone is telling me that there are two collections on my account that is preventing me to move forward. I pulled my credit and there are those two accounts that are not mine. I have reached out to the FTC and my police. Please help as Im doing this on my own behalf. Please remove them from my credit this is holding me up on having a better living situation XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
Experian, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with Experian is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with Experian and XXXX several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. Experian and XXXX still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the XXXX XXXX XXXX is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.

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 2020-04-04
Company: Collections Acquisition Company, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My compliant is regarding USPS XXXX XXXX TX account shows delinquency on my credit report. As of XX/XX/2020, this account with USPS XXXX XXXX TX were paid in full. Please have Payliance Collection update account USPS XXXX XXXX TX paid in full on my consumer XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CITIBANK, N.A.
State: CA
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 made purchase, an item from XXXX furniture down payment of {$1500.00}. XXXX cents by CITI Bank Card, and by the time the merchant told me, that, right now, we don't have in stack, you must wait, to received, at list, after 9 ( Nine ) Weeks, or more, I said ok! 
However, after, a few days, All of the sudden, I lost my Job, I had a mass disaster, affected my XXXX  wife and my XXXX ( XXXX ) little children, I have to canceled my recently, XXXX  furniture. Item by CITI Bank Card, and I call to XXXX, and I explain what happen, they said we are sorry about your job loss, we will help you right now the manager, is not around, we will conform you tomorrow. I said thank you but, Nobody call me back! 
for the second time, I call again to the merchant, still the same words told me by phone and then, I were suspicious, I decided, to talk to the merchant face to face. 
the 3rd, day I went to the store again, explain, what happen, I am so sorry, this is my Laid off paper proof after, long time employment, I have children, and my wife is XXXX  months XXXX  and I didn't even received, the furniture, even, not ready for shipping so far please help me,? I ask politely! then, one of store supervisor said to me " how about employees commission? " well I am sorry I have most, urgent, financial needs, first, Like, Bread, milk, rent. 
the merchant, said, we have to email to the store manager, her name is XXXX, her phone # XXXX we have to wait her decision! she didn't answer stay longer her response! I was frustrated about XXXX  customer service. 
I call my Credit Card Campany, CITI Bank I describe, the steps, that I have taken, to resolve the matter, with merchant. Based on my document I fax to my card issuer, all papers that I have, they accept my dispute and promised to me they will help me. 
finally, they told me unable to help you because, the merchant change the game and need you to pay {$890.00} Dollars, coast of product!!! 
Where is my credit card Protections? Please see my case, as based on a principle of fairness. Now a days, Being out off work for an known period of time is one of the leading reason and I need help >!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XXXX. I walked into waldorf chevy with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( XXXX  and Transunion ) Refused to re dispute stating it was frivolous but deleted from XXXX. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. Experian won't re dispute they have not come back on Equifax or transunion. 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from XXXX, but transunion and experian keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX XXXX never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.

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 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The status of limitations is up to report this repossession on my credit report should have been removed in XXXX yet still reporting in bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have paid off and had accounts with this Company and now they need a phone call from me @ XXXX XXXX to verify my identity at the same location for 26 years and no other accounts with Synchrony Bank are in default meaning all accounts dingy or joint are all paid on time.

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 2020-04-19
Company: Law Offices Howard Lee Schiff, P.C.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The Law Office of XXXX XXXX XXXX placed a lien on my property located at XXXX XXXX XXXX. XXXX ME, XXXX. This was done on behalf of XXXX XXXX for a credit card debt of {$10000.00}. However, my interest in this property does not exceed the statutory maximums and the residence is therefore exempt from attachment under 14 M.R.S.A. 4422 ( 1 ) ( A ). They were notified of this on XX/XX/2020 and was given 15 days to remove the Lien. As of XX/XX/2020 they have given no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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 have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Experian ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit ( Experian ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.

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 2022-09-12
Company: WELLS FARGO & COMPANY
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.

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