BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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  # listed below XXXX, XXXX, Equifax, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/2022, I was billed by XXXX XXXX for {$710.00} for a washing machine and delivery to the specified address under my name. XXXX XXXX never delivered the washing machine as agreed so I filed a chargeback with Capital One. 

Capital One initially accepted the chargeback because XXXX XXXX didnt provide the goods and services explicitly agreed upon. Capital One on XX/XX/2022 charged my account for the full amount of {$710.00} and didnt honor the consumer protections I have with the Credit Card XXXX fraudulent transactions from the business owner. 

Capital One provided me with the case number : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About XXXX recieved invoice from previous apartment. Allegedly I damaged Dirty appliances and Carpet stains. present photos to many people at the management office. Corporate office even their attorney. XXXX at XXXX at XXXX refused to remove the charges staring the Carpet photo is unclear although the appliances and entire apartment was cleaned for immediate turn over. This apartment also charge you for a year lease but make you move out XXXX days before your lease is over.stating a 360 day lease. So they have money for XXXX days that belong to every tenant. But keep charging us/me this facetious fee. I want to Sue them and need help. Need the FCRA codes for these offenses being I contacted the. And Genesis Credit Management LLC who placed this on my credit affer I disputed it and also provided them with photos Icollection agency/XXXX XXXX in XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have been trying for months now I am ready to take them to court. Asking for your help again first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TN
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 car the insurance paid it was totaled an it has been removed from my other credit reports but experian will not remove it an I have not seen anything about what they investigated

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 2021-09-06
Company: Bread Financial Holdings, Inc.
State: CA
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:
There has been several attempts made.The trade line was removed from my credit report several times and the company added it back on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian ... this agency had 2 extra social security numbers that were not mine. They had my birth year wrong.they had 12 different/incorrect spellings of my name and many derrogatories that did not belong to me. They have my address associated as a business Ive never heard of. 
I placed a fraud alert to my file and began disputing the above. To my knowledge the above mentioned has been corrected. 
My complaint today is that in the dispute processes, Experian deleted ALL of my positive reporting histories. XXXX XXXX loans on my high credit truck note pd off XX/XX/2014, and XXXX positive reportings from XXXX. They literally wiped out all of my credit and I dont even rate a score. 
The bank that originally reported no longer reports to Experian. 
I think, in all fairness to me ... because they deleted these accounts unwarranted, that they should put them back on. My score is XXXX because of these deletions, I cant even quqlify for a credit card to build credit..I was even turned down a secured credit card. I have tried to handle this through Experian but they refuse to repair this mistake solely made by them for me to suffer. 
Im sending pictures of the accounts deleted ... and a letter with copy of my high credit reportings from the bank which they only report to XXXX now..so they say.

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 2016-06-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have been requestign a credit report freeze to be lift temporarily with all credit reporting agencies. XXXX and XXXX were fast and efficient. Experian on the other hand has been extremely difficult first they NEVER sent to me the PIN number upon the original freeze being placed in XX/XX/XXXX ( I have all the paperwork from a case of identity theft ). When I requested the PIN number to be sent on XXXX XXXX XXXX, the person on the phone indicated that he has requested it and it will arrive in 7-10 days. When it did not arrive in 7 days I called again. It seems they had no record of the request being put into the system, when I was not satisfied with the answer provide - put all my information into the system to request a new PIN, I requested this case be escalated it to the next level of management. This was done but only after I insisted 3 times. Then I was deceived and lied to - first that no agency had requested my credit report ( in fact XXXX had as I am in the process of taking out a home equity loan and buying a new house - both confirmed on the phone and in writing that the lenders could not access my Experian account ), XXXX ) was told that there is no one that this person ( XXXX ) reports to when I asked to escalate to the next level ( now I was feeling lied too - this was corrected - apologetically ), when asked if the PIN number could be expedited I was told no this is the process - then the supervisor indicated it could and he requested it - indicating it should arrive on Saturday ( it did not ). Experian is a deceitful company with internal processes that do not work and are holding customer hostage. Any agency or company with this level of importance ( all the banks use all XXXX credit rating agencies ) whose actions are deceitful, inaccurate and less than trustworthy should not have this level of responsibility. If they can not get this right - how do they effectively calculate a credit score???

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 2022-04-21
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Starting early XXXX I started receiving statement from XXXX XXXX XXXX XXXX in the mail. Never look at them thinking they were junk mail until XXXX came that had a debit card in it. I called the bank and the verified that someone did open a acct in my name opened it on XX/XX/22 the bank closed it on XX/XX/22. The again started getting statements from Comerica bank. I called them yesterday the again verified that someone opened a acct in my name. Comerica closed that acct for me too. Also I had to log into my XXXX XXXX ( I only collect in the XXXX XXXX XXXX XXXX XXXX  ) Someone collected all of XXXX and XXXX weeks in XXXX. They have my SS number, address, birth date and email. 

Not sure what my next step should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a judgement on my Transunion credit report for a judgement for XXXX XXXX. I provided them with a copy of the judgement that shows the judgement was rendered on another person 's name, not mine. Despite the fact that i provided proof that my name was not on the account, Transunion still replied and stated that the account was mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Experian, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX credit report that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX XXXX XXXX XXXX XXXX A and now is with XXXX XXXX XXXX XXXX is account # XXXX that was originally with XXXX and is now with XXXX XXXX XXXX I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX XXXX Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.

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 2022-08-04
Company: A.R.M. Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARM Solutions out of XXXX, CA, on behalf of XXXX XXXX XXXX is actively trying to collect a debt that is not valid. I entered an agreement with XXXX XXXX XXXXl at a previous address XXXX XXXX XXXX, XXXX Texas XXXX, in 2021, with the company guarantee that their services would eliminate pest and bug problems. I called this company out on multiple occasions to no avail, as the services being provided were not adequate. After multiple visits to the home, I contacted the company to tell them that they have breached their " guarantee '' policy by not being able to eliminate or even slow the pest situation and that I was going to have to change to another company that could take care of the issue. They immediately began calling me, emailing me and texting my cell phone weekly, harassing me about a breach of contract fee that was to be charged. I told them that they were if fact, the party that had breached the contract and that I would not be paying any fees. This same scenario happened multiple times, and each time, they would tell me that a " manager '' would contact me back. When I received a call from a " manager '' several days later, it was a collection agent from another country outside of the US, who proceeded to threaten me about the " consequences '' of not paying the fees. I am completely dissatisfied with this company and the so called " service '' that the were unable to provide, as well as their shady business practices and harassment. I want all of the money back that I paid to XXXX XXXX during the time we were under contract, because they were never able to do anything that they claimed. This company is a scam and I would advise anyone who considers using them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: AES/PHEAA
State: DE
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 recently rehabbed my student loans, and AES PHEAA transferred and updated my accounts with the new servicers. They removed all but 2, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested all XXXX reports. I got through the XXXX process just fine. Got that report okay. 
But the " Get your next report '' button on the annual report webpage does not respond. So there is no way to continue on to the next XXXX reports that I requested. So I went back into the request process, and now Experian says that " Our records indicate that you have already received your free annual credit report from Experian. '' I have not received anything from either Experian nor XXXX yet. 
How can I get them now? The Experian " Contact '' page does not work. It lets you enter comments and then it displays an error message and tell you to re-enter the contact info. So there 's no way to get someone at Experian to even know there 's a problem. This is really frustrating.

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 2022-07-26
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have called XXXX on several occasions, went with Financial Assistance and they have cleared me of all debt. They have stated that I'm debt free. On informing this information to you, any further notices anything coming in the mail. I will consider harassment moving forward. In other words quit it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citibank is arbitrarily and capriciously denying a credit limit increase to me- even though I have a XXXX score with all three credit bureaus - all balances are paid in full - and I utilize less than 5 % of my available credit limit - and I have excellent payment history with no late or missed payments ever. Citibank is continually pulling wrong credit report information that is inaccurate and this is harming me. I was told at the time of request - an accurate credit report would be pulled- which either was false or there is then no rhyme or reason to why Citibank denied my request.

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 2022-10-16
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express advertised a promotional offer for the American Express Delta Gold card when I was purchasing flights on XXXX XXXX ' website. It was a welcome bonus ( 0 % APR for the first year, {$250.00}, and XXXX miles if I spent {$3000.00} in 3 months ) written in their advertisement. I was attracted to this welcome Bonus and recently came to know after checking my account that I am not eligible for that offer without any notice, and there was interest applied on purchases. I contacted American Express, and they said something popped up that said I was not eligible for a welcome offer. But they approved my credit card and didn't let me know I was not offered the welcome Bonus in any e-mail. I found this lack of clarity in informing customers of their intention. 

During our conversation today ( XX/XX/2022 ), they offered to waive the interest on the purchase, but I refused to take that offer as I thought this wouldn't solve the position of clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX-XX/XX/XXXX my credit report was pulled to purchase a house, there were no inquiries reporting at the time, my report was pulled. After recently going thru the initial steps to buy, i noticed that there are inquiries now reporting on my file, in which i did not authorize.

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