BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Regional Management Corporation
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regional Finance continues to attempt to collect an alleged debt after being put on notice via certified mail and the cfpb. This entity is causing emotional damage to my well being. This entity continues to furnish an alleged debt after being put on notice of my right to opt out of the sharing of my non public personal information. Regional Finance is ruining my general reputation. I have requested verification of the alleged debt and none has been provided. I have requested the original creditor name and address and it has not been provided. A copy of a judgement against me has not been provided either. This alleged debt has been in dispute since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent a {$250.00} XXXX  deposit payment to XXXX XXXX, owner of XXXX XXXX for a custom dress for an event on XX/XX/XXXX. The dress was supposed to be delivered on XX/XX/XXXX. The owner failed to make the necessary alterations as agreed and did not deliver the dress as scheduled. A refund was requested from the owner who failed to respond. I contacted CapitalOne and explained the nature of events that I did not receive the dress as agreed and that I was requesting a refund from the owner. The owner stopped communicating with me and I tried to resolve the issue through CapitalOne. CapitalOne provided a temporary credit in the amount of {$250.00} for investigation XXXX. CapitalOne failed to request any information from me as evidence for my claim and made a decision to reverse the temporary credit on XX/XX/XXXX which was drafted on XX/XX/XXXX stating that the payment was processed per instructions yet I did not receive the services as agreed. This is the 3rd time this banking institution has failed to due it's due diligence and conduct a fair and thorough investigation on claims initiated by me. It is noteworthy to mention that I filed another claim with another banking institution concerning a final payment to this owner whereas the bank ruled in my favor. This banking institution requested information to determine that my claim was valid. In addition, I need to reference another claim which was denied by CapitalOne XXXX concerning a rental deposit of {$320.00}. CapitalOne also ruled that the payment was accurate again without conducting the proper investigation and requesting supporting documentation to substantiate my claim and the temporary credit which was given on XX/XX/XXXX was reversed on XX/XX/XXXX. However, the XXXX XXXX XXXX emailed me on XX/XX/XXXX and mailed a check in the amount of {$320.00} which was disputed with CapitalOne. I am requesting that CapitalOne honor it's commitment to consumers that utilize it's services since the banking institution has failed to properly conduct investigations when claims are initiated from my account. There is a form of prejudice that exists and I would like them to review my account with integrity and fairness. Each claim I have initiated has been denied without any request of documentation from me to make a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has reported a debt on my credit report that I did recognize. When I disputed the validity of this debt with the company through a validation letter sent via certified return receipt mail, the company turned around and verified the debt as a valid debt to the credit bureaus, whereas they were required by the FDCPA to report the debt as " disputed. '' This is a clear violation of FDCPA. 809. Validation of debts [ 15 USC 1692g ]. ( see attached credit report excerpt )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-23
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I started the home ownership process with NACA in XXXX of XXXX, On XX/XX/XXXX, I met with a mortgage consultant by the name of XXXX XXXX to discuss the next steps to me becoming a home owner. On this date we also talked about the fact that I was separated from my husband. I was told that there were ways to get around this. On XX/XX/XXXX, I received an email form XXXX XXXX that directed me to a Law Firm about a Free Trader Agreement. I was able to have my estranged husband sign the document, have it notori it notarized, and gave the document to NACA for upload into my file in XXXX. In XXXX, when all of my information went to the Underwriter, I was told that I was " Not Qualified '' due to conditions. Two of the three conditions had to do with my estranged husbands income that they were requesting, and also documentation as to whether he owned property. The third condition was regarding my student loan and what amount that I would pay. Please keep in mind that we are all still in deferment at this time. I paid {$20.00} to have the document notarized as will as {$310.00} to the Law firm for this document that apparently did not mean anything. I would like my money back. I have reached out to XXXX  XXXX ( who I am told is the supervisor for XXXX XXXX ). He has not responded to my email from XX/XX/2023 as of yet. Please, can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed accounts with Experian do to identity theft, the accounts came back as verified within a matter of days. I then submitted a notarized and certified letter requesting a method of verification and asked Experian to send me all the proof that they received in order to verify that the debts belong to me. Again they did not comply and verified the debts on my credit report as accurate within days, They did not provide me the documentation i requested. This is a direct violation of my consumer rights 611 of the FRCA. Experian send these generic response 's to consumers in order to dissuade consumers from exercising their rights and this needs to stop. They do not care how their inaccurate reporting effects consumers. They receive money from data furnishers who report inaccurate information. I am attaching the method of verification letters that experian has received and not honored.

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 2022-09-24
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: Account information incorrect

Complaint:
Experian continues to create deceptive forms with inaccurate fraudulent information has resulted in defamation of my character. Due to that It is causing me to be discriminated against and being denied my right to extend credit. Experian are claim the fraudulent accounts as verified without factual evidence or based on hearsay. I have now suffered actual damages to my reputation, finance and injuries to my mental and emotional health all due to the humiliation of their negligence and non compliance. Per 15 USC 1681o Experian is lawfully held responsible for those damages and I am entitled to monetary compensation for my damages.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 XXXXredit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-28
Company: W&A Intermediate Co., LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I was working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,,,, I was XXXX XXXX XXXX XXXX XXXX XXXX and seen in the XXXX  the same day while still on the clock ... .. About a year ago I saw there was a collection on my credit report. It is from XXXX XXXX, for XXXX XXXX  I contacted this company, they stated it was from this incident I was seen in the XXXX I contacted my former employer at the XXXX XXXX XXXX, and the record was found, and PAID IN FULL!!! I was also made aware by the billing dept at the hospital that they do not even use this company. I believe this is a fraud and some third party selling info to trick people ... .Please Help!!! my next step is to hire a lawyer... And I did dispute this immediately and was found to be legit????? I requested my Medical records and billing from this day, and Iam awaiting there arrival so I can send a copy to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 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 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.

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 item 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 the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Block, Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
no matter how many times I've requested this information after having provided them with my name, date of birth, routing and account number with XXXX XXXX  they reply nothing in on their records regarding this information but as early as today {$2000.00} was taken out of my account. I called the family member involved who I authorized a onetime transaction because she was low on funds and out of town and she advised me she had updated their records ( cash app ) with her bank information. I believe she failed to delete my info which is a possibility as well. As noted she does have health problems. At any rate I just want my personal bank account information purged from cash app records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit 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:
An unauthorized charge of {$3200.00} on XX/XX/2023 was charged to my credit card. Ive tried disputing with navy federal but was told theres nothing they could do about it without proper documentation. Ive submitted documents and was told those wouldnt work. So I appealed for a 2nd time with more documents and was told I can no longer appeal my case. This charge has been extremely detrimental to my credit score and completely unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Can Transunion furnish late payments and Soft and Hard Inquires on my credit report? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Credit Reporting Agency

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