BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
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. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

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 2022-05-02
Company: Experian Information Solutions 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:
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. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-07-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.

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 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 opened a Secured credit card with Capital One XX/XX/2021. I sent in {$1000.00} for my credit limit. I have NEVER been late on my payments and have kept the credit utilization down as I purchasing my first home, that they have now impacted and I was denied. XX/XX/2021 I went through a third party to " reserve '', not purchase a hotel room. This company has a policy of matching a lower price and refunding 200 %, which they have failed to do, but there is an attorney dealing with that. I was charged {$270.00}, but paid {$190.00} with the hotel. Capital One is failing to refund my money. They are allowing this third party that I gave no authorization to use my card full access to my funds. This goes against the FTC policy. Capital One has closed my account due to me complaining and informing them that I would be filing a complaint with CFPB. I am a single mom, with a XXXX XXXX, during a global pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX # XXXX***XXXX  is reporting a charged off collection to my account. However I never opened this account and it is not mine, not to mention it is past the statute in Utah. I would like this account removed as it is fraudulent and should not be on 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 2022-05-02
Company: Experian Information Solutions Inc.
State: PA
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. 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 make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
With this credit card company they keep hitting my credit reports with how they are lowering my limit but everytime they do this I am not showing that I am way over my limit. A example they are saying my credit card limit is {$1800.00} but I am {$1900.00} over and saying my promotional ended but I never recalled anything being promotional or adding on late fees when I have always paid on time. I keep getting notifications everytime they lower it but now it looks like im over spending cause of this. The company completely ignores my emails addressing my concerns. I am not the only person who has issues with this company also. 

This is care credit card

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 2017-10-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think XXXX ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.

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 2017-10-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a discharged bankruptcy in XXXX. It is nearing XXXX years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between XXXX years. I have submitted a request for removal before on at least XXXX credit bureaus. The other one ( I think equifax ) requires a XXXX digit code from the item listed on the report. That XXXX digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past XXXX years and so close to XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: IL
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, 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 2017-07-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection letter from I.Q. Data international, Inc. for an apartment that I recently moved from. This came as a surprise because the manager at the apartment made no attempt to inform me of any of this. I immediately disputed the debt because the charges were outrageous and I left the apartment in a good clean condition. I have been speaking with a particular person named XXXX from the company and thought that they had started their investigation to validate any charges. I have been providing documents and papers to back up my dispute. On a prior phone conversation that took place around XX/XX/XXXX XXXX stated that in order to keep my account from being active in collection I needed to provide him with a card number. He also said that my card would NOT be charged if I called back by the XX/XX/XXXX to follow up on the dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. Today on XXXX XXXX, 2017 I received a call from XXXX stating that I.Q. Data International , Inc. would be sending out the itemized list of charges they received from XXXX XXXX Management. He asked if I wanted to make a payment toward the debt and I said No. Multiple times. I stated that I was not going to pay this debt because the dispute was still ongoing and I did not believe the charges to be valid. ( The apartment lumped the fee together as " full paint and carpet {$890.00}. '' ) I was told to hold and was transferred to another person. This time a lady who treated me horribly and kept asking why I was n't paying my debt when I owed it. I informed her that it was being disputed and that I was not going to pay it when I did not believe the items being charged were valid. I also informed her that there were deposits that the apartment did not return to me or apply to the supposed debt, and for this reason I was still disputing. The lady kept saying that it was going to go on my credit if I didnt pay and again I told her the same thing. I will not authorize charges to my card because I dont believe the debt is valid. Without my authorization, {$710.00} was attempted to be pulled from my account. Thankfully my bank blocked the charge. Phone calls are recorded with collection companies and at no point in the conversation did I authorized them to charge my card. I specifically told them that I do not authorize them to charge it and they still attempted to do so.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 {$280.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

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 2021-02-18
Company: BARCLAYS BANK DELAWARE
State: OH
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:
Barclays Card US was disputed twice and Ive contacted them requesting a way to resolve this late and derogatory status on my account. I was told Id get a follow up call from Barclay Card and never received it. Id like this removed from my account or have a way to resolve this negative status on my account.

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 2020-08-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report. I have been a victim of identity theft and have contacted all three Credit Bureau 's and nothing have been resolved. I have opened cases each month for the last 10 months as well and nothing. There are student loans that were falsely opened in my name as well as late payments being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX 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 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 2017-10-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mobile deposited an XXXX XXXX check to my Wells Fargo checking account on XXXX/XXXX/XXXX, XXXX XXXX 
Wells Fargo put a hold on this check till XXXX/XXXX/XXXX to verify this transaction for my security. 
I found out, there is a federal regulation to put a hold on suspicious checks for XXXX business days, not for XXXX days. 
XXXX bank is on this planet, even on the same continent. 
All it should 've been done, was a phone call, to XXXX bank to the other to verify the transaction, this is just a frustrated customer talking out loud ....

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 2017-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid 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:
Card was stolen and unauthorized transactions were made. XXXX XXXX credited the transactions ( took them off ) but now has frozen my available credit. I have a {$750.00} credit line but now I have XXXX available with only a {$67.00} balance. They seem to be punishing me and causing me hardship for something I am not responsible for. I have called several times and they just say that they cant release the credit until they complete their investigation. It has been three weeks. XXXX XXXX customer service has been of no service at all. They have a take it or leave it hard nosed attitude like I am the bad guy and simply do not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/XXXX Sent letter to get company to remove debt from my account. this has already been removed and is not my account. this and account has been going on since XX/XX/XXXX. I was never notified of this account in writing or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
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. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I received email from XXXX that my credit score went down to XXXX points. due New Credit Inquiries from XXXX XXXX XXXX. I have contacted them but no resolution. I have never filled for credit card or loan for the past 4 years. So please assist in removing this from my Credit score. Thank you.

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 2021-02-18
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is trying to collect a debt that they bought from XXXX XXXX XXXX. However, it is a debt that is past the statue of limitation for the state of CA pursuant to CA Civ Proc 337. It is over 4 years since last payment. They have not produced proper evidence of the amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: ERC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Tengo una queja contra la compaa Enhanced Recovery Company recientemente saqu una copia de mi informe de crdito y not que haba un cobro de su agencia en mi informe de crdito. Nunca fui notificada

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  is affecting my credit. They have false / erroneous items on my account .... These erroneous items are affecting me tremendously. I have called to have the information removed these false late payments are dragging my credit score down.

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