BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX XXXX XXXX XXXX collection account on my credit report that has been there for over 24 years that I have tried to get removed no end. My daughter is XXXX  years old I only have XXXX  child and she was stolen from me when she was XXXX. The child support court order was a fake order taken to the child support office to have it enforced and I didn't know it. I had hearings with the child support office to get it removed but they wouldn't without a court order and I couldn't get a court order because there was no original court order to begin with. Its been a nightmare. The credit reporting agencies will not stop or remove the collection on my account after 24 years its ridiculous. Its ruined my life. Having my daughter stolen ruined my life I had a complete mental breakdown that I didn't recover from for 16  years. I deserve a XXXX  break! My daughter was born XX/XX/XXXX, she was emancipated when she was XXXX  years old and she is going to be XXXX this year.

Also listed on my credit reports are the same debt twice just under different names. Once for the original creditor then again for the collection company. I have unbelieveable amounts 40 to be exact of credit inquiries which I didn't authorize many of them are on there from auto loans and payday advances multiple times and credit multiple times. I live on SSI I get {$500.00} I don't apply for credit. My name is misspelled on my reports for the names they have listed and they won't remove it after I disputed it. There are other social security numbers listed on my credit reports and I have absolutely no idea why I am clueless to that. I only have one social security number and I have never used any other number than the one thats mine. The reports show I owe $ 72,000+ but the accounts I do owe don't total that amount so I have no idea where they are getting that figure. I'm so sick of this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to express my disappointment with the inaccurate credit reporting done by Capital One Financial Corp. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Capital One Financial Corp, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Capital One Financial Corp has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Capital One Financial Corp immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Capital One Financial Corp does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: MS
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-08
Company: EQUIFAX, INC.
State: WA
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:
I initially sent out a letter three months ago. I have provided proper identifications and copies of the credit reports with inquiries that are not consented to by me. It is also a violation to furnish social security number on the credit report. That's can result in fraud and identity theft as well. I have also sent a separate letter disputing that error as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX XXXX which is the same company prior to refinancing. The company they had serving our loan is Loancare, which is still the same serving company prior to refinancing. Our first payment for the new loan wasn't due until XX/XX/XXXX. Prior to making payment on the new loan I noticed my escrow amount for the new loan was off by {$470.00}. My prior loan escrow was XXXX, which I received a check in the amount of {$80.00}. This left a balance of {$2900.00}. My beginning balance for my new loan was only {$2400.00}, which is a difference of {$470.00} unaccounted for. I contacted them and spoke with a representative by the name of XXXX on XX/XX/XXXX, which he reviewed my account and agreed it was missing {$470.00}. He stated he would escalate it to the escrow department and I should hear something in 3-5 business days. This was my first attempt with no response. I then sent an email on XX/XX/XXXX, which was my second attempt with no response. I then sent an email on XX/XX/XXXX and received a unacceptable response on XX/XX/XXXX. Informing me to contact my original closing company, who I thought I was contacting. I then reached out to my loan officer XXXX XXXX with XXXX XXXX, XXXX on XX/XX/XXXX for assistance and XXXX XXXX, Mortgage Loan Processor with XXXX XXXX XXXX. XXXX XXXX informed me I need to contact Loancare regarding the final reconciliation of our old loan payoff. That's who all my escrow inquiries have been going to. I sent Loancare a certified letter with all documents, which has been delivered to Loancare, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX and signed for on XX/XX/XXXX. I haven't received no response yet. I'm not getting any assistance from XXXX XXXX XXXX or Loancare. All I'm getting is the run around. XXXX should be just as accountable they sent my loan to Loancare to service.

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 2022-04-08
Company: EQUIFAX, INC.
State: MI
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: SC
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MD
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: CO
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX and 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 2023-07-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XX/XX/2022 I was notified by a debt collector, Arvest Central mortgage Company, stating that I owed them mortgage payments. I have never heard of this company so I disputed this alleged debt in full as they instructed me to do so, if I questioned this account. I also did some research on this company and neither them or their parent company, XXXX Bank, have a mortgage lending license in the state of Maryland. This means that do not have the authority to conduct business in the state of Maryland. With all the negative things that Ive discovered about this debt collector, they have sent paperwork stating that they are moving forward with foreclosure of my property, as well as stating that they have placed my deed in lieu. I know that I have been violated, and I will continue to exercise my rights. 
Also Ive disputed this alleged debt with XXXX and they stated that they conducted an investigation and the debt collector advised them that the debt was valid.So honestly, who did they actually investigate, it wasnt myself nor anyone that i may know like a neighbor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Coinbase ( CB ) where I own XXXX XXXX cryptos valued at nearly {$XXXX}. On XX/XX/2021, at XXXX central time, I noticed that my XXXX XXXX were sold and the cash money were transferred to some account that I am not familiar with. Also they tried to transfer {$2000.00} from my XXXX to CB account. I contacted CB immediately and filed a complaint ticket ( Case # XXXX ). ( they do not have live support ). 


My account was locked and I had never heard from them since. 
CB has a policy that when someone initiate a cash withdrawal, it would take 1-5 days before the fund are fully transferred to the bank account. So CB has plenty of time to stop the fraud transaction since I informed them immediately. 

I use 2fa authentication security login and there is no evidence that my personal PC or phone were hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Old information reappears or never goes away

Complaint:
An old account listed on my file from XX/XX/2015 with XXXX XXXX is not being removed by the credit reporting agencies. It is over 8 years old and is a violation of my consumer rights to be able to remove outdated and paid accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: NV
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. 

Account Names/ Account Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XX/XX/2022

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
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:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated XXXX5 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-10-03
Company: U.S. BANCORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My autopay did not go through and they said it was becasue I set it up too close to the payment date. Then I had a possoble fruad on the bank account and had to block it and that also topped a payment but I was in touch with US bank and had 2 months payments pendin while that was investigated by XXXX XXXX. XXXX XXXX told me we could do a conference call with US Bank and explain the situation becasue the funds were there but the payments would return becasue of the account investigation. I was in touch with US Bank the entire time during this and they said no problem o when my account was fixed all the paymets went through plus another payment. They had reported me to colletions and I was in contact with them also and told them the problem. It was an honest error, and I let them know but they did not really do what they were saying I suppose. Here is the statement during that time peeriod where I made some larger payments due to the issue with money that they should have had already if not for a block on my XXXX XXXX  account becasue of an investigation into another payment that was going out of that 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 2023-07-05
Company: EQUIFAX, 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 am the author of this complaint. I notice some inaccurate and incomplete information on my credit report. I'd like a thorough investigation and a deletion of the following accounts mentioned in the letters attached to this complaint. My social security card and a picture of my driver 's license is included within the letters attached either

Company response to consumer: Closed with non-monetary relief