BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following accounts contains transaction history and experiences with the persons that I have engaged in a consumer credit transaction with : XXXX ) XXXX XXXX XXXX ) XXXX XXXX  XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX  According to the Fair Credit Reporting Act, under the exclusion section it states that my consumer report does NOT include : report containing information solely as to transactions or experiences between the consumer and the person making the report. This company is solely responsible for deleting what's been furnished on my consumer report. Moreover, this company did not have my written instructions to furnish this information on my consumer report, which is against the FCRA. So, they did not have permissible purpose nor shall my consumer report contain such information. All balances must be zeroed out 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 2023-05-02
Company: Nathan & Nathan, P.C.
State: TN
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 left 3 messages for a call back regarding this issue. The company, Nathan & Nathan Attorneys, would not return my calls. I didn't have an email address so I sent a Certified Letter requesting the company contact me or delete the item on my credit report. 
They did neither. 
I have attached a copy of my request letter and the proof of Certified mail being sent on my part and received on their part. 
This information is resulting in a denial for a mortgage to purchase a home. I don't know that the claim is correct. The creditor is XXXX XXXX and I have loans with XXXX XXXX  opened much later than the 2006 date Nathan & Nathan claim this debt dates to. 
I look forward to your reply. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LVNV Funding LLC says I have a deliquent account with them, they tried taking me to court to sue me, I was already to go and defend myself when they withdrew their complaint. Since they sent a notice of withdrawal, I want them to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive had multiple issues with Wells Fargo. My card was duplicated and used in XXXX XXXX, {$1100.00} was withdrawn at Gas Stations ATMs. I was in XXXX XXXX volunteering at a worldwide religious non profit. Never was in XXXX. Secondly, gift cards were stolen, XXXX found it as fraud, Wells Fargo would do nothing. That total was {$400.00}. The total amount is XXXX Ive spoken and emailed every department within Wells Fargo and have dates, times, what I was told, who I spoke with and copies of emails. Also, Wells Fargo told me they would give me {$100.00} customer loyalty credit, they never did.

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 2023-05-03
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 Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency shall not furnish an account without 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 items 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 explanation
Consumer complaint received 2023-01-12
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: Account information incorrect

Complaint:
On XXXX XX/XX/20 I was given a XXXX XXXX Notice to Vacate my apartment by my landlord. Complying with this request I was not allowed a final walk through of my apartment. The management of the XXXX at XXXX XXXX located in XXXX Florida, made a decision to falsify a final bill of {$1700.00}. This bill charge me for water for 15 days at a crazy amount of {$170.00}, however my normal bill for water, sewer, and trash was {$45.00} per month, apartment damages {$330.00} and insurance {$50.00} NSF fee {$50.00} just to give you an example of their erroneous charges. This is in retaliation for filing a complaint with the XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX  came back with finding in my favor of Racial Discrimination. Which discredited some of these charges. In an act of further retaliation they have had a collection agency place this derogatory information on my credit and screening report so that I can not rent another apartment, I hired a credit repair group, who had this item removed from my credit report only to have it immediately put back on my credit report. Due to these behaviors H.U.D. has started a new case on my behalf for further harassment. I will go into detail further once I am contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am utterly confused about this derogatory account on my credit report. I made sure my bill was paid in full before I moved out of my apartment in Texas in XX/XX/2022. This is an unjust doing. Due to the inaccurate information on my report I am asking for you guys to remove this account from my report. XXXX states the account was opened XX/XX/2022 and XXXX states it was XX/XX/2022. Also, XXXX shows no record of this account. Due to the Fair Credit Reporting Act which involves inaccurate information to be challenged I am doing so. It's my right. Also the records show conflicting information between the 3 credit bureaus. I am a military veteran trying to better life for me and family and this derogatory account is holding me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
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 2023-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I request to day the removal of some information in my credit report, the items I am disputing today is erroneous and it the are not accurate they should be removed immediately. 

Kindly remove these items immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: EQUIFAX, INC.
State: MT
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-05
Company: U.S. BANCORP
State: CA
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 a victim of the CZU fire in XXXX California, which was deemed a state of emergency by XXXX XXXX XXXX. 

I was displaced from my home since XX/XX/XXXX. My home did not burn but I was was without electricity and water for several weeks and my house had severe smoke damage and my house was not habitable. My animals and I have been traumatized by the fire. I also suffer from XXXX and this situation is making my mental health situation worse. 

US Bank granted me a 6 month forebearance and I was to begin making payments on XX/XX/XXXX. During the 6 month time frame I called US Bank to ensure that everything okay with my loan and to ensure that my excellent credit would not be adversely effected. I had not heard from US Bank during the forebearance. I was finally contacted by my relationship manager, who told me that US Bank would defer my missed loan payments ( due to the approved foreberance ) to the maturity date of my mortgage, meaning add the those missed payments to the end of my loan. 

I was shocked when I received a credit notification from XXXX XXXX that my credit score had dropped by XXXX points. 

Here are the facts : - On XX/XX/XXXX my XXXX  credit score was XXXX - On XX/XX/XXXX my XXXX  credit score fell XXXX points and is being reported as XXXX - on XX/XX/XXXX, I called US Bank and explained the situation. Everyone that I spoke with told me that this should have never been reported as being late. They were just as shocked as I was ... 
- I have continued to call to try to get this resolved and even spoke to a supervisor who was very unsympathetic and told me that yes indeed this should hav not been reported to the credit bureau 's but that there was nothing that he could do to fix it ... I have tried numerous times to try to get this resolved and am not getting anywhere. 

I have decided to sell my house and and am trying to rent or re-purchase a new house and because of my XXXX XXXX I am going to have a hard time purchasing a new home or even being approved to rent a home. 

I ask that you please help to restore my credit back to the way it was before XX/XX/XXXX. Please let me know if you have questions or need more information from me. 

Thanks in advance for your help.

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 2023-05-03
Company: EQUIFAX, INC.
State: CT
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 is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened XX/XX/18 Balance {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 paid off a judgment years ago, Capitol One never released it with XXXX XXXX County, Iowa and I am now unable to close on a house that I am trying to purchase. I spoke to Capitol One on XX/XX/2019 and Capitol One keeps telling me it is in " legal '' and they don't have a telephone number for legal. 

I really need to close on my house and the bank won't lend the money because of this old judgment that I paid off long ago. 

Someone told me it appears that Capitol One is possibly doing this as part of its strategy to fight a bankruptcy ruling where it was sanctioned : https : XXXX I hope this is not true, I just want to close on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: NE
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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:
XXXX, XXXX and Equafax where n't given permission by me a man XXXX XXXX nor by my person XXXX XXXX to report my employer employment period so why are they doing it this is unlawful that you XXXX continues to report incorrect information for there banking friends XXXX XXXXXXXX XXXX XXXX although they XXXX XXXX never produced a PURCHASE MONEY LOAN CASH ADVANCE bearing my wet ink signature neither was XXXX given my permission nor do we hold a contract. Do you know once you reporting in fraud without permission that's also identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: ATHAS CAPITAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
An appraisal was conducted and a copy of the original appraisal report was not properly turned over to us. We received a copy of the appraisal with black and white photos, when the appraiser submitted the report with color photos. Upon requesting the original copy ( with color photos ), upper management advised that color copies are for internal use only and would not provide any other reason for not providing the original copy with color photos, nor would elaborate on why they could not provide a copy with color photos. It was pointed out that an appraisal with color copies was provided in XX/XX/XXXX, so why couldn't a report with color photos be provided in XX/XX/XXXX ( these are two seperate appraisals ). Upper management refused to answer the question. If the law specifies that a copy must be provided to the home owner, shouldn't it be an exact copy of what the lender has, and in this case that is a copy with color photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: IN
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:
I sent a letter to all 3 credit bureaus on XX/XX/XXXX demanding a reinvestigation I also attached my government ID, my son, and a bill with my address so they can identify me as well. these 3 credit bureaus are reporting in acute information on my report that should be removed immediately. 

I have filed a lawsuit against all 3 credit bureaus for negligence enablement of identity fraud and for violation of 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