BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX has been reporting to all three credit bureaus that I owe money to them. They have reported payments charged off and late payments. Their collections company, XXXX XXXX also is reporting the same thing. 
The problem is the vehicle that they said was not paid and charged off, was stolen. My insurance company paid the loan in full directly to XXXX. I have turned in the paperwork to all three credit bureaus and they all have said that XXXX has verified that the information is accurate. Yet, when requested I have never been sent backup documents to prove that XXXX has any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a home loan and received the loan through XXXX. XXXX XXXX then sold my loan to PHH Mortgage. PHH Mortgage has yet to send me information on payment information. I contacted them in XXXX, and XXXX requesting the information. 

Currently my payment is up to date as I always pay the month in advance before it is due and my previous payments to XXXX has me paid for in XXXX. XXXX I will need to make a payment however. 

Having asked multiple times in the course of a month PHH has yet to send me the billing information. Thankfully XXXX listed the new loan number or I would not have that. 

My only desire is to continue to pay my mortgage on time as I had done with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple repeated calls at random times from random spoofed Caller IDs. 
Has been at least 2 months since I tracked these, none answered.

Caller ID says " Portfolio Recovery '' on most calls but area codes are always different. 
None have left messages to voicemail, and I have no debt issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a credit card with Capital One. I paid the " balance '' in full on XXXX for XXXX XXXX payment was due on XX/XX/XXXX. I have received finance charges and late fees since then. The statements are deceptive and not clear. The " new balance '' on the following bill is not correct by the time the bill is received. The closing date is XX/XX/XXXX, a bill goes out the next day, and by the time the customer ever receives it via mail the " balance is already not correct. This is deceptive practices by any company that does this, the term balance should never be used if that's the case. This is a set up for perpetual fees and is not fair to any consumer. 

Based on regulations companies are required to follow. It needs to be obvious and not difficult to understand the rules. This practice of added FC after a bill is paid in full before the due date, based on the statement they have provided is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receiving bills during a time when I am considered " incapacitated '' and have been in and out of surgeries " since XXXX '' ( doctors note for XXXX XXXX XXXX attached ). 
And during this time, receiving Identity Theft notices and info about medical breeches from various companies. 
I lived at a different apartment complex at that time and was recovering from two surgeries, was on a knee scooter after that surgery ( using a walker currently ) and according to the date my bank says a check was attempted to be given at the leasing office. My personal emails and all info was breached and I even had to change physical addresses during my surgery recoveries.I even had to start sending my XXXX XXXX XXXX XXXX to my mothers home address in XXXX due to this event ( see attached as well ). 

I am still going through another surgery on XX/XX/XXXX ( next week ) but finally able to do a Fraud Report with XXXX XXXX on XX/XX/XXXX. The hack may have been due to the resident files that were stolen during a burglary in the apartment complex where I lived, called the XXXX by XXXX Management XXXX XXXX, TX ( XXXX referenced in complaint with CFPB # XXXX ). 

The XXXX reported the Burglary of the Building in XXXX, Case XXXX to precinct # XXXX to Detective Wall ( Phone XXXX ). 

The information I am giving is just a SMALL SAMPLE of the breach/identity theft issues I have endured, but wanted to al least send the state and federal proof so you do not think I am being dishonest about this. I deal with a permanent XXXX and this has been a nightmare for both me AND my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
My consumer rights are being violated. I have fraudulent accounts appearing on my credit file that need to be removed immediately. Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, Transunion and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) .Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX, account number XXXX and JPMCB account number XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition { Company Name } has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) and information associated with XXXX, account number XXXX and JPMCB account number XXXX must be removed.My consumer rights have been violated according to the FCRA and if these accounts are not removed immediately I will seek remedies for violations of my consumer rights. 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
new credit card open in my name which was not authorized by me

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 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.

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 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I the consumer submitted CFPB complaint XXXX on Transunion LLC on XX/XX/2020 via CFPB portal. 
Transunion sent letter XX/XX/2020 Refuse to investigate unless provided letter from the court in which I provided in CFPB complaint XXXX along with evidence that showed that the public record was not reporting 100 % accurately and the same across all three bureaus. 
Transunion sent a second letter XX/XX/2020. Received letter XX/XX/2020 Stating that results are verified as accurate. Item is still reporting inaccurate on credit report and must be deleted immediately. 
XX/XX/2020 in CFPB complaint XXXX Transunion keeps stating in every CFPB complaint : " We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. '' 15 U.S. Code 1681 ( e ) ( b ) states " a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates ''. Transunion is not following reasonable procedures to assure accuracy of the public record that they are reporting on my credit report. Transunion claims that they verified the public record with XXXX XXXX XXXX GEORGIA. This court name is inaccurate and continues to report as U.S. Bankruptcy Court as XX/XX/2020 which is an inaccurate court name. I have provided factual based information in last CFPB dispute. In order to report a public record on a consumer 's credit report it must be reporting 100 % accurate. If it is not reporting 100 % accurately across all three bureaus it must be deleted via the Fair Credit Reporting Act.

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 2023-08-15
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Santander not only took advantage of me with their predatory tactics. But also with their not for public view internal XXXX XXXX. They are blatantly re aging the debt its been close to 8 years now. Santander also received a check from the insurance company AND sold the product at auction which Santander never sent me a 1099c for for the amount that it was sold at auction. In the eyes of the IRS that money is considered earned income to the person that signed the contract. A 1099c was never issued which makes me believe that Santander never paid taxes on that money. Not only did the drivers insurance company give Santander {$7000.00}, but it was also sold at auction by Santander on top of the money that was already paid in payments which turns out that only 1-2 $ of every monthly payment was going towards the principal!!! 1-2 $ /month going to principal, if thats not predatory lending, scamming and stealing I dont know what is. This account is also being reported on my account as an auto loan when the contract signed it states retail installment sale or credit sale NOT auto loan. In one document it states the highest amount owed is {$15000.00} plus dollars than on the credit reports it states highest balance {$13000.00} plus. Ask Santander to show u proof they filed 1099c for the amount gained from the auction. Santander has continued to commit the Most blatantly purposeful violations since the starting of the CFPB and after the millions in settlements Santander had to pay they still have not learned their lesson.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NV
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:
The following accounts were opened frauduantly, please delete as the information reporting to my report is false and identity theft. 

XXXX XXXX card services {$1200.00} opened XXXX XXXX XXXX card services {$5300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened {$38000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX {$4500.00} opened XX/XX/XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$7400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2021 I mailed out a copy of my consumer report concerning inaccurate information being reported. Not only did I not give permission for this information to report to begin with but it has been proven as incomplete, inaccurate and unverified by XXXX. I have since provided actual documentation proving exactly that. It is misleading and harmful to myreport and well being as a consumer. I understand these companies are given 30 days to respond but they never had my permission nor any other permissible purpose to furnish this wrong information at any time or at all. I demand they comply with the law and remove these damaging accounts immediately.

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 2023-08-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief