BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. Please see below the account in concern : CREDIT COLL ( Original creditor : 06 XXXX ) XXXX Balance {$630.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I, XXXX XXXX, had reported this crime to XXXX police in XXXX, online report completed on XXXX XXXX, and am submitting more detailed information below as being requested. 
I received an email from Capital One bank that an overdraft fee has been charged on my checking bank account. When I logged in to enquire what's going on, I noticed many transactions over last 10 days starting XX/XX/XXXX to XX/XX/XXXX withdrawing money from my account, none of which were done by me. I immediately informed bank and they froze the account. 
On talking to Capital one bank representative in person, I came to know that bank sent a debit card to our old address in texas ( XXXX XXXX XXXX, texas XXXX XXXX ). That debit card was never requested by us and we were not informed that it was being sent. We had no idea because we had stopped living at that address for 4 years and had moved to XXXX and XXXX XXXX. That replacement debit card was activated by someone on XX/XX/XXXX as per bank record and all fraud transactions were done with that card from XX/XX/XXXX to XX/XX/XXXX. The transactions were done at following addresses : XXXX XXXX, XXXX, TX on XX/XX/XXXX XXXX XXXX  store XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  store XXXX on XX/XX/XXXX We reported this crime amounting to loss of nearly - {$4000.00} to XXXX police online reports system on XX/XX/XXXX. Please help us. 
Bank is not helping and avoiding this by all means. Bank is trying to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: WA
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:
I went to annualcreditreport.com and attempted to get a credit report from Experian. I filled in my information, and instead of my credit report, I got a message saying that Experian is not offering the reports online and I would need to print out a form and mail it to them. 

This is not a transient problem. I have tried this repeatedly over the last year and keep getting this message. I am not having trouble getting credit reports from XXXX or XXXX, but only Experian. The CFPB needs to make sure that Experian is fulfilling their mandate of providing free credit reports on annualcreditreport.com, because they are currently not doing it.

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 2022-08-22
Company: Synovus Bank
State: TX
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:
This letter is a formal complaint against XXXX in regards to an account # XXXX. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. 
For XXXX, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law. 

For XXXX, they just refuse to investigate the account, I've actually disputed with the company several times directly who simply refuses to verify the debt I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
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 XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital One is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: The CMI Group, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I found that there was a collection of {$110.00} for a XXXX XXXX bill in XXXX, GA on my credit report. This collection was lableed as delinquent in XXXX. I was *not* the owner of that account. I had moved to Florida and was a Florida resident in XX/XX/XXXX. I called the collection agency ( Credit Managment LP ) and had discussed that it was not my account, but asked if I could get a goodwill deletion if I paid off the debt because I wanted the issue to be resolved immediately instead of waiting months for it to go thru the dispute process. 

They agreed that they would provide a goodwill deletion after the debt was paid. 

After I paid off the debt, they apparently deleted the collection only to XXXX. The collection still shows up on my XXXX and XXXX credit reports, negatively affecting my credit score. I called Credit Management LP again in XXXX and they told me to file a claim on their Web site. I filed a claim on their Web site, but I still get no response and the collection is still showing up on my XXXX and XXXX creidt reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
Transunion has violated my consumer rights under 15 U.S.C 1681.

As a natural person, human being, and a consumer, I have rights under 15 U.S.C 1681. 

TRANSUNION is govern by 15 U.S.C. and has violated my rights numerous times. 

Therefore, I demand the accounts listed below be REMOVED/DELETED AND for TRANSUNION to ADD A BLOCK will prevent these accounts for being added back into my credit report. Further, I demand for all inquiries ( hard and soft ) be remove. 

I DID NOT GIVE ANY WRITTEN PERMISSION TO TRANSUNION to furnish any of these accounts nor to add any inquiries in my credit report. 

My request is made because according to 15 U.S.C 1861 : I have the right to privacy.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I want for Transunion to : 1. DELETE and ADD A BLOCK ON THESE ACCOUNTS TO PREVENT FROM BEING ADDED BACK INTO MY CREDIT REPORT WITHOUT MY CONSENT : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. DELETE and BLOCK ALL INQUIRIES : Regular, Promotional and Account Review.

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 2022-09-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sending money to someone on paypal when all of a sudden they put my account on hold for no reason I went back and forth with them for 1week trying to verify my documents and after handing in all the correct documents when I checked my paypal to check if my account was of hold it said my account is now banned for 180days. My account is banned for 180 days with the money I was supposed to send someone a whole week and a half ago they money is still on the account I just want to get it out so I can send the person their money and I do not want to wait 180 days I really need my account back this week if possible I can not wait 180 days at all not even half of that my email to my paypal is XXXX and my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-06-29
Company: DISCOVER BANK
State: MN
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:
Discover card is furnishing inaccurate and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: ProCollect, 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: Account status incorrect

Complaint:
I received a call from ProCollect on XX/XX/2022, wherein they asked me to pay them money but refused to provide me any details regarding the debt. ProCollect stated they had been sending collection letters to me at the request of XXXX since XX/XX/2022. I requested the address they were sending the collection letters to and it was not the forwarding address provided to XXXX XX/XX/2022, when I provided XXXX notice I was moving as a result of constructive eviction as a result of their violations of Texas XXXX XXXX XXXX and XXXX. I then sent an email to ProCollect ( XXXX ) as XXXX XXXX stated requesting the amount of the alleged debt ; full name and mailing address of the original creditor for the alleged debt ; documentation showing you have verified that I am responsible for the alleged debt or a copy of any judgment ; and documentation showing you are licensed to collect debts in Texas. To date, I have not received any of this information. I also provided them with my attorneys contact information and she has not received anything either. I had my credit report pulled recently and was astonished to see this was on all 3 reports. I have disputed it with all 3 bureaus however they are not requiring the collector to follow the Fair Debt Collection laws. I have provided the bureaus with all documentation and requests prior to the constructive eviction and after. Again, to date, I nor my attorney have received any documentation from ProCollect regarding this alleged debt as request more than 4 months ago!

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 2022-06-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a checking account and setup to transfer my direct deposit from social security. Made two deposits by check, but realized it was from an old closed account. Called Wells Fargo ( " WF '' ) customer care and was told them about the mistake and was told not to worry just make new deposits. The next day ( XX/XX/22 ) I received an email from WF stating they were closing my account. I told them what happened and they told me go to a local branch to resolve the matter. I should them proof it was an error, but WF still closed the account. I spend a lot of time opening the account and transferring a direct deposit. I feel like I was discriminated against because I made an innocent error. I have done business with several banks and never experience a problem like this. For example, XXXX XXXX, XXXX XXXX, etc. I am a XXXX  veteran and it would have been helpful to have a bank close to my home. This was no way to treat a customer especially a XXXX veteran.

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 2022-06-07
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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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