BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CA
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 XXXX  has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name : # XXXX, Accounts name : # 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 then records of conversations of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer so any consumer reporting agency if the

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a US citizen. I have had a CapitalOne credit card and savings account since at least XXXX. I moved to XXXX in XXXX because of my husband 's federal job. We retired in XXXX and stayed in XXXX. While living here we went paperless because the mail from the US is unreliable and slow, risking late receipt of bills and payments. Until XX/XX/XXXX, I had been able to go on-line to view my account, reconcile charges, make payments, and transfer money. Suddenly CapitalOne insists on XXXX step verification for security purposes using a US telephone ONLY. They refuse to use my XXXX telephone or my XXXX for XXXX step verification ( yet they use my email to let me know about posted credit card payments! ). I also have accounts with XXXX XXXX  and the XXXX XXXX XXXX XXXX and they do XXXX step verification with my XXXX phone and my email without any hassles. If they can do this, why can't CapitalOne? Although my credit card and savings accounts are still open, I can not access them electronically. Cap1 has, in effect, refused service and cut me off without any grounds other than where I live. What if XXXX and the XXXX decided to do this? That would be tantamount to preventing me from being able to live in XXXX. Does Cap1 have other US customers who reside overseas, perhaps XXXX XXXX  service members, embassy personnel, federal employees, international businesses employees? Has Cap1 cut these customers off too? Is it legal to demand that a US citizen and Cap1 customer residing overseas only use a US phone for XXXX step verification? We tried already to get a US phone to use here -- US Voice Over Internet Protocol ( VOIP ), but Cap1 wouldn't accept that. No US provider will otherwise let us have a cell phone because we don't live in the US. When I called Cap1 to complain, their proposed solution to my problem was to use the phone of a relative in the states for the XXXX step verification. That is impractical. Overseas calls are expensive. Most of my relatives are elderly and not computer savvy. I can not inconvenience my relatives every time I need to access my Cap1 accounts. The window of time allowed to input the verification code would have long expired by the time I called a relative in the US. And what if I had no living relatives?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2023-08-22
Company: RFNA, LP
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Over rated threatening phone calls, Highly Intense harassment, Also Reporting late payments and or Reporting any debt on one 's credit report without consent or their knowledge, is a violation to the consumer rights, I acknowledge late payments are not a criminal act, I acknowledge UCC 1 308 I can't be held accountable for all debts that I have accumulated under my social security number unconsciously, I've ask these debt collectors not to call or harass me in any further. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Republic financeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that all addresses and said debts late payments, inquiries be permanently removed from all 3 credit reporting agencies, XXXX, XXXX, and XXXX according to the law and rights, 15 UCC 1666B, 31 USC 3123 , 15 USC 1602G , 15 USC 1681 B. I am aware all depts are prepaid, 18 USC-8, US government pledged to pay debts 13 USC 3123, therefore the consumer can discharge debt and it doesn't have to be in legal tender see 31 USC 5118, I , the consumer didn't give any debt collectors permission of a court of competent, 15-USC 1692 A-P.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this COMNWLTH FIN ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NYXXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.

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 2023-05-22
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus by Goldman Sachs Savings Account XX/XX/2023 withdrew XXXX to my XXXX  checking account XX/XX/2023 transfered XXXX from my XXXX  to my Marcus Savings Account XX/XX/2023 transferred XXXX to my XXXX  Checking account - money was put on hold after verifying through their electronic connect system to XXXX XXXX. 

XX/XX/2023 I call Marcus by Goldman Sachs to verify the XXXX  Account. another XXXX is initiated to XXXX XXXX on top of the XXXX that was requested on XX/XX/2023 XX/XX/2023 Three calls to Marcus Goldman Sachs and they can not find the funds. 

I'm missing XXXX in my XXXX XXXX Checking account as well as my Marcus Account. 

Marcus has given me a 45 day turn around on the complaint. I am missing XXXX. 

I removed all additional funds by wire to my bank account today because they are incompetent on finding my money. 

Dispute # XXXX They would not upload any information to my account portal and would only do snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
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: Personal information incorrect

Complaint:
I have submitted 13 letters with my Passport and Social Security card showing the correct spelling of my name and Experian refuses to correct my name on my credit report which causes a problem when I apply for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX I am contacting the CFPB to help resolve and identity theft account that was open in my name in another state. In which, I have never lived in the state my entire life. I have an account hat was open in the state of Colorado. The address is XXXX XXXX XXXX XXXX, XXXX, CO XXXX in which I have never lied at this address. I filled out an identity theft affidavit with XXXX already informing them that the account they have on my credit report and with the ERC is not mine. After contacting the collection company Enhanced Recovery Company LLC by phone and mail the collection company provided me with the contract. I hired a consumer investigation company to investigate the fraud and have it removed from my credit report. I will provide the affidavit XXXX got back in touch with me asking for information I provided proof of residences with my driver 's license. I like to also, inform ERC, XXXX, and the CFPB that at the time the account was open I already had XXXX in XXXX, Texas. I open my XXXX account on XX/XX/XXXX and closed it on XX/XX/XXXX. There is no way I could have open two cable companies ' accounts. XXXX can be contacted at XXXX. The address where the account was open is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am going to provide all the documents I shared with XXXX, the collection company response with my contract, and my proof of residency at the time from XXXX XXXX. I tried to upload the proof of residency to XXXX but their online system is not working I kept getting an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
It started with a pre appointment letter in the mail for debt consolidation. When my husband and I called to talk to an agent, we were told that we would not a able to get a debt consolidation loan, even though we were pre-approved, and that our other option was debt negotiation. 

We decided to give it a try and signed our contract on XX/XX/2023. On the XXXX of every month, an automatic payment of {$640.00} was withdrawn from my husbands account. 

We did not receive any kind of update on the progress of our negotiations from Infinite. In fact, at one point I spoke with one of the credit card companies that were now calling me several times a day, and was told they had not received any kind of letter informing them of future negotiations. 

After three months of nothing, we decided to cancel our contract with XXXX XXXX XXXX. I mailed a copy of the cancellation form on XX/XX/2023 and tracking confirmed delivery on XX/XX/2023. 

The week of XX/XX/2023 my husband called Infinite to confirm cancellation, since he had not received a cancellation confirmation email from them. He was told that they did not receive the cancellation form, but could cancel our account over the phone. 

The week of XX/XX/2023, we have still not received a cancellation confirmation email, so my husband called a second time. He was told that our cancellation was set up but not submitted, and they could once again do it over the phone. 

My husband called Infinite again today XX/XX/2023 just to confirm that the cancellation was completed and there were no problems. He was told that the cancellation was complete and that we would be receiving a {$200.00} dollar refund and the remainder of our funds were going towards fees. 

We have paid approximately {$1900.00} to XXXX XXXX XXXX over the last three months. They have not done any work towards negotiating our debts. I feel that it is unfair of them to withhold a majority of our money for services that were not rendered. 

I can not explain enough just how little they actually did. And to say that we will not be receiving a full refund, because we did not cancel within 30 days of signing our contract. When signing our contract we were not informed of this and were told that we could cancel at ANY time. 

Infinite Law Group is scamming people and taking their money! Before this started, I had a XXXX XXXX of XXXX and now it is at a XXXX! None of my accounts had any late payments and now they are ALL delinquent! I was instructed to not make payment and to not answer the calls, and they were doing nothing to resolve the situation! 

The fact that they have a clause in the contract that you cant file a class action suit of any kind against infinite law group is all you need to know about this business. They are scammers!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: OH
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 applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the annualcreditreport.com web site. I was not able to get my credit report online at the time. In XX/XX/XXXX I received a post card with no date and no company information. It was open for anyone to read. It was also addressed to XXXX XXXX XXXX. I am XXXX not XXXX. The post card stated that I needed to provide documents. 

About XX/XX/XXXX I sent in a copy of their post card requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

I received a response to my credit report request with information about a credit report dispute. It was one page front and back. It seems to state that it was a credit report. No credit report was included. As far as I knew the credit reporting companies require a credit report number to be included with a dispute. I still do not have a credit report and therefor I have no way to dispute something in my credit report.

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 2023-05-19
Company: Experian Information Solutions 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:
My name was reported incorrectly. I have several disputes open currently. I have credit accounts in my name that were obtained fraudulently and other things from checking my credit report on XXXX. Someone changed my last name to be reported by something I have never gone by and is associated with my biological grandfather 's last name. He passed away within the previous year and I am afraid someone is using my info or trying to obtain my information from multiple agencies.

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 2020-02-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I made two large payments to XXXX XXXX XXXX, a lawfirm handling the collection for Sears / Citibank credit services to settle the balance of a collection on my credit report. Since then I have not been able to receive a {$0.00} balance letter from Sears/Citibank. I have made multiple calls, the last on XX/XX/XXXX or XX/XX/XXXX, I can not be sure as I have called so many times. This last call I was told that a letter would finally be issued to me in which I received on XX/XX/XXXX that shows a {$0.00} balance. Low and behold, the account number did not match up. I contact Sears/Citibank " escalation team '' yet again. Now they are telling me that the letter I received was for an older account that eventually was transferred to the collection account and that it was sent in error. They are telling me that I will not have a {$0.00} balance letter for 60-90 days because this is how their system is set up. I feel that after speaking to the last representative that sent me this wrong letter, sent the letter to trick me in thinking it was what I was needed and to just get me off of the phone. I've called their attorney 's office and they can not answer as to why Sears/Citibank can not issue a {$0.00} balance letter as they have had the funds from their account ( attorney 's ) since XX/XX/XXXX. There shouldn't be an issue as to whether it will clear or not. In addition, I had a home closing on XX/XX/XXXX that I have now lost because of this account. So I paid $ 3800+ dollars to Sears/Citibank for no reason and I have now also lost {$5000.00} in deposit monies for my home. I ; m pretty sure that this is in violation of the 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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 summitted a FTC report which states they must remove fraudulent information from my report which they still have not done.

Company response to consumer: Closed with explanation