BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
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: Was not notified of investigation status or results

Complaint:
XXXX  and Equifax are refusing to validate my dispute requests and this is a Violation of the FCRA ... I will go to the FTC if my disputes are not validated and deleted today. 

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : Why you think I owe the debt, and to whom I owe it, including name, address of creditor for the debt, the account number, and the amount owed. Provide the name and address of the original creditor & account number, and the amount owed at the time it was transferred. Provide verification and documentation such as a contract claiming that I am required to pay the debt to the current creditor. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : A copy of the last billing statement sent to me by the original creditor. If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor provide an itemization showing the dates and amount of each of them. If you fail to provide any of the information or documentation above, please say why. If you do not provide it, and do not explain why, I will understand that you are unable to confirm or document your claims. 

XXXX XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
I am showing recent hard inquiries that I am not familiar with.I believe someone may have made these inquiries without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
CRA and HIPAA violations. I have no knowledge of the fraudulent collection activities on my Transunion credit report. FTC Identity Theft Report No. : 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 2023-08-11
Company: WELLS FARGO & COMPANY
State: NJ
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:
Ive reached out to Wells Fargo dealer services ( Account # XXXX on many occasions, and to know avail nothing was done, This Wells Fargo account is still on my credit report as closed and not off my credit report. 
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 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 XXXX in 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 reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, Wells Fargo dealer services the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.

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 2020-04-09
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
There is a Hard Inquiry from Syncb/amazon occurring on XX/XX/2020, on my XXXX  credit report. However, I never authorized this hard inquiry and it lowered my credit score. Thus, I want this hard inquiry removed and I'm interested in collecting {$1000.00} under the FDCPA for unauthorized hard inquires resulting in a damaged credit score.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-08-11
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citi bank Costco card Terms minimum credit limit {$500.00} They wont let me lower my limit lower than XXXX I want the limit to be 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 2021-05-16
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In according to the Fair Credit Reporting Act XXXX  act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  card account XXXX has also. 

XXXX XXXX  account number XXXX has also violated my rghts XXXX XXXX XXXX XXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX has alot the account number is XXXX  15 USC 1681 States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.

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 2021-05-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I emailed Shellpoint Mortgage Servicing/New Rez LLC of outstanding property tax bills I received that were due in XXXX. This was for the loan portfolio XXXX XXXX, XXXX. This email went to the loan servicing email which they recommend using as well as my assigned contact XXXX XXXX, and XXXX XXXX a supervisor who has helped me in the past with other issues I have had. 

On XX/XX/XXXX I emailed the same people as well as managers, XXXX XXXX and XXXX XXXX to notify them of property tax bills that were imminently due. I also emailed XXXX XXXX and XXXX XXXX, my contacts at XXXX XXXX XXXX who hold the loan and are responsible for transferring the servicing of my loans ( even though everything was perfectly fine with XXXX ) regarding my concerns. To give a little background, I have had a number of issues since Shellpoint took over the servicing of my loans last year and have been emailing them for continued assistance as you will see in the email chain I have attached. 
Communications regarding these outstanding property taxes have been ongoing with all parties since XX/XX/XXXX when the last email I received stated the issue was being escalated. Needless to say, nothing was done and I received a " Statement of Delinquent Taxes '' this week for two of my properties ( attached ) which now includes hundreds of dollars in late fees. I have also not received refunds for the late fees they paid out of my escrow account for other property tax bills they paid late. I can't imagine this is legal! 
This whole process has been very stressful for me and I need a resolution to ensure this will not be an ongoing problem. I can not keep spending my time trying to get Shellpoint to do their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$0.00} / XXXX/XXXX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am writing to express my extreme dissatisfaction with the recent delay in posting my payment to my Capital One credit card account. On XX/XX/2023, I made a full payment of {$550.00} with my checking account I normally use. However, I was informed that the funds will not be released until XX/XX/2023, resulting in a six-day delay. 

This delay is unacceptable and unfair. My payments to this card, issued by the same bank I used for payment, typically post within 24 hours. This sudden and unexplained delay is not only inconvenient but also raises concerns about the reliability and efficiency of your system. 

This delay have negative consequences for my credit score and even cause late fees on other accounts linked to my credit card. I have not been able to buy food, pay my bills or buy my medicine due to this. It is unacceptable that paying my bill in full, through your own systems, could lead to such penalties. 

I request immediate action to expedite the posting of my payment and ensure this issue does not occur again. I expect a clear explanation for the delay and a confirmation that no late fees will be applied to my account as a result of this error. 

Furthermore, this incident has significantly eroded my confidence in Capital One as a credit card provider. The inconsistency and potential risks associated with delayed payments are extremely concerning. I urge you to address this issue and provide assurances that such delays will not be a recurring experience for your customers. 

I look forward to a prompt and satisfactory resolution to this matter. Please feel free to contact me at to discuss this further. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company, ProCollect Incorporated, located in XXXX, TX sent a piece of mail to my home dated XX/XX/2022 stating that I owe {$3000.00} to the account # XXXX with the customer # XXXX. The letter states that the creditor was " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' They have asked me to make a payment arrangement as soon as possible with the agency, abbreviated as PCI, or to pay to the Leasing agency. It was signed by a XXXX XXXX from PCI. 

I have contacted the company to dispute the charge, explaining that this was fraudulently charged and they are adamant that my personal information on file is correct and that the debt is owed regardless. I have since frozen my credit with the three major bureaus and changed my accounts as I am able. 

Please help me resolve this issue as it is very distressing and damaging. 

Thank you, 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 2023-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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 have had a few inquiries in the past couple of days on my credit report. I have not applied for any credit cards recently. I have placed a freeze with every credit bureau in hopes that this does not continue to happen. I see the following inquiries : XXXX XX/XX/ I XXXX  this one and it says it was a XXXX XXXXXXXX  card I never shop at XXXX XXXX and have zero use for a official XXXX XXXX store credit card. 
-I am unable to find a number that will get me to an agent to dispute this one XXXX XX/XX/ I XXXX this and it says some sort of point rewards card. 
I have no use for that and did not apply for this. 
-No phone number associated with this inquiry Kohls/CapOne I XXXX this and it says Kohls charge card XXXX have never shopped at Kohls and do not plan to I have no use for a charge card there and have never applied for one. 
-I have not called them just yet. 

I have worked very hard to keep my credit scores strong. I would never apply for random credit or three cards in one week. Please review and remove these items from my credit report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: KS
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 credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Atlanticus Services Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My husband and I both have some XXXX XXXX XXXX. We have both actively been dealing with them with several XXXX working together for years. However, my husband lost his job. This has happened twice. Our credit gets to the place it is ok. We get several cc offers and then because of his XXXX XXXX XXXX we cant pay them back. I knew better this time but at the time I was scared and needed to pay the bills. I know differently now and havent even tried for a payday loan in a while. I started off with 3 cc companies and made agreements with them all. But when unexpectedly after almost 3 years I couldnt pay the original agreed upon amount but was willing to still try to find some acceptable yet affordable payment, only one wasnt ugly and horrible to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted by certified mail to Equifax, XXXX, and XXXX ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

Equifax Track # XXXX XXXX  Track # XXXX XXXX Track # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2022-10-12
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: Received unwanted marketing or advertising

Complaint:
I am trying to buy a house and just checked my XXXX account and found all these fraudulent account XXXX on my report that I have no knowledge of, 1 ) XXXX XXXX SYSTEMS, XXXX, XXXX XXXX XXXX XXXX XXXX Also there were several hard inquiries that I have no knowledge of which includes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, Both Experian Credit Agency and XXXX XXXX keeps reporting incorrect information to appear as new. First, there's been no new account charges on the XXXX account in more than 3 years. For the last few years, I've only made monthly payments on XXXX account ( and no new charges ). XXXX reported account delinquent to Experian XX/XX/XXXX. In addition to that, XXXX keeps reportng account closed by grantor multiple times XX/XX/XXXX. However the account was first closed XX/XX/XXXX. XXXX keeps reporting 2 - 3 times per month account closed in fraudulent manner. This is not a new account closure. I reported this information to Experian. Experian keeps allowing XXXX to make repetitive account closed postings to my credit report. Experian refused to remove inaccurate data. 

Furthermore, I provided to Experian proof of bank transactions showing account payments to XXXX. In addition to bank account payments, I provided XXXX 's account statement showing the same payment history. I've only made payments and no account charges. How can this account be delinquent when monthly payments made consistently? 

Next, XXXX posted account as delinquent XX/XX/XXXX with a past due balance. How can there be a past due balance on an already closed account with no account activity in years? There was no PRIOR past due balance. How can XXXX be allowed to make up a past due balance that's never existed? Again, I've only made consistent monthly payments on this closed account. XXXX is not applying payments to the account balance. 

Finally, I provided payment documentation to Experian and Experian keeps reporting inaccurate information provided by 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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from

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