BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Sequium Asset Solutions, LLC
State: NY
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX  and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to XXXX. XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX account. {$270.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with XXXX XXXX, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. 

Aside from the personal injury to me, these persons ( XXXX and XXXX. XXXX  XXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with XXXX XXXX XXXX to further injure my consumer profile. I have never done any business with XXXX not XXXX XXXX XXXX. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Once again Transunion is violating the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), BK-XXXX  BK-XXXX by not provide the name, address, and telephone number of the clerk contacted as BANKRUPTCY RULE 9037 mandates that the statement of social security be redacted and therefore both the UNITED STATES COURT and you are violation of that federal law or the third party company that reported the information that has certified to you is accurate as you affirmed in the investigation report that you sent ( 397187435-010 ) attached Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW

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 2023-08-05
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:
The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my credit score to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is a formal complaint that they are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your 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 below.

I have contacted Target personally and they have a address on file that I have never lived nor used. This false information and address is currently on my credit report and I also am a victim of fraud. My wallet was stolen which had my social security card and Drivers License. I filed a police report and a identity theft report with the Federal Trade Commission on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple letters to TransUnion requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX ).  Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from TransUnion providing the proper validation of the debt.

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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been contacted several times in the past days about making a payment after they have threatened to repossess the vehicle and make me responsible for the payments after repossession. I notified Capital One of hardship in my home due to unemployment for about a month in XX/XX/2017, but they refused to change the interest rate ( let alone show how it was calculated ) or lower the payments, so that I may be able to pay the full monthly amount. They repossessed the vehicle after I made a payment to the account. On a recorded line I was told they would not charge me the repossession fees because they were at fault. I was told that I needed to pay the complete late balance, but since the car was repossessed after the payment was made I didn't need to pay the full past due balance because they had already accepted my payment before repossession. The repossession fees were applied to my account as well as the late fees because I didn't know that the repossession fees were added to the account. After having to miss work a couple of days on my new job and find transportation to travel 45 minutes to reclaim MY car, I had to pay the tow company a fee also before I could get my car back. I notified Capital One of this matter and nothing was done. I was only told that I have to make full payment to bring to account back to current. I also was not allowed to make a payment on the principle balance because they insisted that I pay the late fees from the repossession. They have continuously notified the credit bureaus of late payment but my payments were behind because they didn't do what they promised they would. The original loan on the vehicle was {$21000.00}, but I have paid {$29000.00} to this day. This is more than enough considering they will not show how the interest is calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Resurgent Capital Services L.P.
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 have been trying to resolve a adledged debt on my credt report that was assigned to LVNV Funding LLC/Resurgentance. First I was never informed of the adledged debt before seeing it on my credit report. I then disputed it with all 3 credit beruaes, The only thing i got was  from the credit beruae saying verified. I then wrote two letters to LVNV themselves with no response. I then sent a certified letter that was returned to me. My issue is other than no communicate is that they are reaging the adledged debt by reporting the date it was assigned to them and not the correct dates that it was opened and went into collections. I did get through on the phone once and they were extremely rude swearing at me and threatening me if I didn't resolve the issue right that moment. Very unprofessional, noresponses, incorrect information. Companies like this should not be aloud in business. People due fall on hard times but when trying to deal with it should at least be treated with respect and communications. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: JPMORGAN CHASE & CO.
State: NY
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:
There are several unauthorized transactions of {$730.00} which I've never made since XX/XX/2021 to XX/XX/2021 for XXXX, XXXX XXXX and XXXX on my checking account for almost XXXX years. The thing is I haven't used my debit card for purchasing something beside paying credit card, transferring money such as XXXX or XXXX, and paying rent. Whenever I use XXXX, XXXX XXXX, XXXX, I've been always using my credit card not debit or checking account. So, I requested dispute to the card company on XX/XX/2021 and they denied with the reason that the transactions were processed according to the information I provided or were authorized. Of course I don't want to pay for anything I've never made so I appealed again with proofs of my XXXX, XXXX XXXX, XXXX transaction history which don't even match with any of unauthorized transaction 's date or amount. However, they still denied the dispute request with the same reason. If they investigated all the unauthorized transactions, they probably could see who made the transactions, where XXXX purchased delivered or XXXX destinations which wouldn't match with my address or I haven't used this account for purchase but they still denied even though I sent them the proof. Also while I was requesting the dispute and card company sending me new debit card, someone used the updated debit card right away. According to card company, the card information on digital wallet automatically updated so still other person has my information can use the same account. The company 's security is so bad

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Capital One Quick Silver credit card and it was approved on XX/XX/2019. I got my card after few days in the mail and when I tried to activate it on my phone, I could not. So I called Capital One customer care and thats when I was told that my account has been flagged or restricted for activation and will be activated if I provide them with further evidence like my license, checkings or savings bank statement and a signed copy of my SSN. Thats when they emailed me a secured link and I uploaded the documents in those link and was told that the documents will be processed in 7 to 10 business days. Today when I called them back to check on them, I was told that I have to stay on the line with them till they reach out to my bank to verify my address and I was put on conference with my banks customer care and the lady on the line with me was asking me to punch in all my bank details while she is on line. So basically they are trying to access my bank account, since they could not verify my bank statement on their own. Thats when I refused to do that and questioned that lady on the line that it is her responsibility/job to verify my bank statement. She then mentioned that I agreed to the terms and conditions and this clause is one of them. Thats when I asked her where can I find the terms and conditions, she replied that I could find it online and refused to email me them. At this point I hung up the call and decided to place a complaint. 

I will explain my situation now, I found this credit card has good rewards and I went ahead, applied and got approved. When I got approved there was no mention of any further evidence required or any query for my approval, which I was not aware till I called my card 's customer care. 
Now I am cornered by them to provide with further evidence ( Which I absolutely have no problem with ), I do not have a choice of not sending them any way because a hard enquiry has already been done on the credit and it will definitely effect my credit score. 

I may not have applied for this card, if this requisition of additional documents is mentioned or addressed during the application process. 

This is clear case of misleading the customers and forcing them to provide the docs after conducting a hard enquiry on their credit. 

By the way I already have a different open credit card account with them I wish somebody could help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NE
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:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NE
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a mortgage modification by Wells Fargo Bank 7 times. I was told initially to make 12 monthly payments on time. I would automatically would be given a loan modification ... After the 12 payments I was not given a modification. Then I was told I needed to miss payments. Then I could apply for a loan modification... I then reapplied for a loan modification and was denied a total of at least 7 times. My home was put up for foreclosure several times. I incurred additional late fees and attorney fees credit ruin, also had to file for Bankruptcy. This experience has been a very traumatic experience. I recently contacted Wells Fargo Bank XXXX XXXX and provided them information to review. Wells Fargo Bank initially informed me that they would have a decision by XX/XX/2023. The Wells Fargo Rep name is XXXX XXXX. Wells Fargo notified me on about XX/XX/XXXX by letter that I would know something by XXXX XXXX. XXXX XXXX called me XXXX XXXX and told me that Wells Fargo would not be able to offer me any relief ... XXXX XXXX also informed me I was denied 7 times. I asked to a speak to a Supervisor and he told me there was no one I could speak too. Even though in prior communication he told me he was working with his Supervisor and another department ... XXXX XXXX also informed me that he would be sending me documentation ... .The enforcement action that XXXX has issued against Wells Fargo is being violated in relation to my loan modification ... My number is XXXX. XXXX XXXX email is XXXX. Please someone contact me asap in desperate need for assistance.

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 2021-03-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by XXXX to collect a debt I already paid. Spoke to XXXX XXXX. She stated that a judgement against me. I called back spoke to XXXX XXXX he stated to fax my paperwork. XXXX then called me back to say there was no point. Don't call their office. Hung up on me. The phone number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/, I initiated complaint XXXX XXXX with the CFPB regarding potential fraudulent actions related to a hard inquiry on my Equifax credit report. As a response, XXXX XXXXXXXX XXXX Executive Response Team sent me a letter confirming that the hard inquiry was not initiated by me. 

However, the credit report wasn`t adjusted and I initiated additional complaint XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Equifax Bureau responded to this complaint with the following : " ... XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE XXXX XXXX XXXX XXXX XXXX XXXXXXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE ... XXXX '' Based on several resources ( XXXX XXXX XXXX XXXX XXXX' is one of them ) the address from the credit report ( XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) XXXX XXXX ( what stands for " XXXX XXXX XXXXXXXX XXXX '' ) and refers to XXXX XXXX Credit Bureau Dispute Center XXXX 

As the company states " ... THEY ( " INQUIRIES '' ) ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. 

However, having the inquiry mentioned above it is not equitable as it disproportionately reflects the plausibility of the situation due to the result of the fraud investigation by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
MACY ' IS USING PAST INFORMATION WHICH DOES NOT ADDRESS ONGOING DAMAGE TO CREDIT BY MACY ' FAILURE TO TAKE CORRECTIVE ACTION THE ONUS IS ON MACY ' TO ACCEPT NEGLIGENCE & NOT TO BLAME CONSUMER BY INCORRECTLY PROCESSING OR CLAIMING TO HAVE PROCESS CREDIT CARD CONSUMER WENT TO EXTREME EFFORTS TO GO TO MACY ' FACILITIES ON MUTLIPLE OCCASIONS TO HELP MACY 'S NOT NOLY CORRECT PROBLEM ( S ) BUT TO ENSURE THAT MACY ' WOULD NOT BE HARM IF CARD ENDED UP IN WRONG HANDS.

THIS OF COURSE IS BASED ON THE CLAIM THAT MACY ' SENT THE CARD TO BEGIN WITH SUBMITTING AN OUTDATED LETTER FROM XXXX 2021 THAT DOES NOT ACCEPT LOGICAL ONUS FOR THE ERRORS THAT HAS CAUSED THE CONSUMER GREAT STRESS MUST BE REDRESS PRIOR TO FILING WITH XXXX XXXX XXXX ( SEE XXXX VS. 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