BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Since Ive begin complaints against Equifax with CFPB. Equifax has blocked or locked my credit profile. I believe it out of spite. I have attached my drivers license ( front and back ) my most recent bank statement and paystub to verify my identity and residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing regarding a collection account dated XX/XX/XXXX ( capital one account ) being handled by XXXX XXXX. I have disputed this account since approximately XX/XX/XXXX without any documentation from XXXX XXXX concerning validation of this debt. After many attempts disputing with all 3 credit reporting agencies I decided to dispute this debt once again. My most recent dispute letter dated XX/XX/XXXX addressed to XXXX. I did receive a reply today XX/XX/XXXX received by email message XXXX XXXX ( credit monitoring service ) that this debt is being reported as " past due '' and no longer a collection account. This maliciousness has to stop by this company. In the past they have reaged this account on many occasions and have caused headaches and damage to my credit. During this time I was also a victim of identity theft. As a result I have received free service through the XXXX credit monitoring service for several years. According to FCRA, all debts have to validated in order to collect a debt. To date XXXX has not complied with the law and should be held accountable for deceiving actions. I would appreciate if CFPB could help me resolve this problem which I have tried to do myself with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
My identity was stolen and there are inquiries i do not recognize. I have an identity theft affidavit in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : Experian, XXXX, and XXXX  who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

XXXX  XXXX  is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.

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 2021-09-16
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo denied my fraud claim without explanation. There were several charges to a XXXX XXXX XXXX, atm withdrawals at the same place and everi charged from the same merchant. I notified Wells Fargo immediately after being discharged from the hospital. Wells Fargo never sent me text messages to ask if this was fraud. Never detected unusual activity while I was hospitalized the card was stolen. Wells Fargos policy is {$0.00} fraud liability. In the policy it states if you are hospitalized and cant report it right away they will extend when you can report it. Ive never visited this merchant nor did I make these withdrawals. Wells Fargo never temporarily credited my account. Wells Fargo cant provide me proof I made the transactions either. I never signed anything with this merchant and I didnt have the card I was sick in the hospital. I dont authorize these transactions. Wells Fargo goes against their own unauthorized policies. They waited till the 10th business day to deny the claim without explanation. Never called me to discuss the claim. I called this merchant and they dont have any proof it was me either because it wasnt and like I told them where is the proof then? No proof is available. Yet Wells Fargo doesnt take fraud seriously nor do they care for that matter. I dont authorize these withdrawals and I didnt receive anything from these transactions. Its redicules they say you authorized it when your hospitalized and had no way to authorize it. 
ATM/Debit/Prepaid Card Claim Reference Number XXXX RE : Debit Card XXXX Thank you for your patience in the time required to review your claim. We have completed our investigation of the claim regarding your Wells Fargo account XXXX. We have sent a detailed letter by mail. Please refer to the letter for more information. 
If you have further questions after receiving the letter, please call us at XXXX. Our hours are : Monday Friday, XXXX XXXX  to XXXX XXXX  or Saturday, XXXX XXXX to XXXX XXXX Eastern Time. 
Thank you for choosing Wells Fargo. 
Sincerely, Wells Fargo Claims Assistance Center

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 2023-06-30
Company: Experian Information Solutions 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:
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 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 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 2022-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : USDOEXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not 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 2022-08-27
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid off 2 collections in XXXX of XXXX one of them being an old apartment. the second being south west credit systems ( XXXX ). 
me and my fiance had joint accounts with both. he paid them off and they both fell off our XXXX XXXX. since beginning of XXXX XXXX  has been added back to our collections as if we never paid it off. i disputed it once & it was fine. it came back not even a few months later. tried to dispute again and XXXX XXXX emailed me saying the information was correct and they couldnt dispute it. which is obviously not true. that collection was settled, they continue to hurt our credit even though its been paid off for almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, 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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My identity was stolen and there are inquiries i do not recognize. I have an identity theft affidavit in place.

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 2021-02-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX of XXXX. NewRez took over my loan from my original mortgage company in early XXXX. Loan # XXXX. My property taxes are approx {$13000.00} per year. In XXXX of XXXX New Rez raised my payment amount from {$2400.00} to over {$3600.00} per month. After multiple calls and inquiries they explained that my taxes were increased by this amount. I spoke with my township and they assured me that they did not increase. NewRez is misreading my bill. They saw an adjusted bill for the portion of XXXX when I lived there and added it to my total bill. I pay my bills electronically and set up all payments well in advance. My payments were short before I noticed this in XXXX of this year. NewRez has refused to contact my township and will not refund penalties and late charges. In addition, I have asked them in writing to cease all escrows and allow me to pay my taxes separately. They so far have refused to do so. In addition to the unfair charges ( {$250.00} ) this has negatively affected my credit rating. 
XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received a SaksFifthAvenue / CapitalOne store credit card which I never applied for. Since I already had a CapitalOne card, I believed it was kind of promotional item and I never activated or signed it. On XX/XX/XXXX, I suddenly received a bank statement showing {$4800.00} on this card. The purchases were made on XX/XX/XXXX in XXXX NY store, which was the same day the credit card was opened. On that day, I was working in MA on my company laptop. I immediately reported to Capital One and asked for fraud protection. At the same time, I had my credit reports frozen via 3 credit bureaus. Capital One then sent me forms to be filled in and requested my IDs. After several weeks, on XX/XX/XXXX I received a letter from Capital One saying they believed I opened the card and benefited from the transactions. I called Capital One again on XX/XX/XXXX and waited for nearly 1 hour while they kept transferring me to different people, and finally I was told this case was closed and I need to fax them my IDs or a police report to request info. regarding the account and purchase. I filed a police report and I'm reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my credit report today on XX/XX/XXXX and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA XXXX placed a fraud alert on my credit report without my consent.

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 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, LVNV FUNDING LLC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX CARD is not my account, so I sent a letter off on ( XX/XX/2022 ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX XXXX # XXXX. 

This is not 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Please find attached, an Affidavit of Truth. The bullying stops today. Portfolio Recovery Associates never received my permission to communicate to me in connection to any alleged debt. Portfolio Recovery Associates has continued to harass me intentionally using consumer reporting as a coerce tool to try to force me to pay an alleged Time-Barred debt I do not owe. Portfolio Recovery Associates was issued cease and desist letter twice, XX/XX/XXXX and XX/XX/XXXX, to stop all collection efforts and communication on this alleged Time-Barred debt. The only communication permitted would be confirming termination of all collection efforts or actions to be taken allowed by the FDCPA or my state laws. Before statute of limitations expired, Portfolio Recovery Associates failed to provide proof that there was an alleged debt owed to them by me. In addition, Portfolio Recovery Associates failed to provide the bill of sale showing the value on how much they paid for this alleged account. There was no relationship, contract, agreement or an accounting ledger furnished between Portfolio Recovery Associates and I. Instead, Portfolio Recovery Associates has provided the same deceptive documents repeatedly for over a year that did not validate the alleged Time-Barred debt to them as recent as XX/XX/XXXX violating the cease and desist demand, and continuing to mark negatively tarnishing my credit rating violating the cease and desist demand. Portfolio Recovery Associates has been informed repeatedly that this alleged debt is not mine and they refuse to abide to the federal and state laws created to protect consumer from debt collectors like them. Portfolio Recovery Associates acts oblivious to their actions knowing their tactics are malicious, abusive and forms of harassment causes risks to my livelihood, credit rating, mental anguish, emotional stress, and reputation ruined defaming my character. The bullying stops today. This is extortion.

Company response to consumer: Closed with explanation