BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting 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 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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:
Since XX/XX/XXXX, I moved outside the XXXX for work related reason. During all this years I was living in XXXX until XXXX. During this time I came to US for leasure for a week or two and then returned to XXXX. During this time I had a mailing address and during the COVID days, since the restrictions came into effect for traveling I was unable to go to USA and my last time here in XXXX was XXXX and I returned back to US last XXXX. During this time I stayed in XXXX and never requested any loan or financing for any company or lender. So, in XXXX last year I received unwanted letters from two Collectors company : one XXXX XXXX XXXX, representing XXXX XXXX XXXX XXXX n. for the amount US {$4900.00}. On XXXX XX/XX/XXXX I sent a letter to XXXX claiming the account is not mine and Im being a victim of fraud/crime and they still claim the account is mine. I never borrow any money or did any business with them on the amount above. I requested documentation and also the contract with my signature and they never sent to me. 
The other company XXXX XXXX XXXX is the second company claiming that I owe them, and they are representing XXXX XXXX. XXXX XXXX XXXX aka XXXX XXXX both of those companies are credit card services with XXXX. The amount they think that I owe them is XXXX {$4100.00} and also I sent a letter to this company last XXXX. I requested documentation and also the contract with my signature and they never sent to me. 
I have to say that during this time I couldnt access my credit report from outside of USA because the companies ( XXXX, experian, and XXXX XXXX ) they have restricted/prohibited to access their websites from outside of US. 
All I have to say that I never BORROW OR FINANCED anything in the past 10 years and Im being a victim of Fraud/Scam from whoever used my ID without my consent. 
I requested the 3 credit report companies to have those illegal claims removed from my report and it was denied because they till believe this accounts are mine and they are NOT.

Because of this Ive been denied credit to by an auto ( auto-loan ) and possible purchase a home but because of my credit score I have been declined many credit cards application and this is affecting my life on a daily basis.

I hope they understand that Im in a good faith and fix the problem ASAP. 
I have proof that I wasnt in USA during the time they approved those credits and never authorized anyone to borrow or finance under my name and social security number I EXPECT THEY REMOVE FROM MY CREDIT AND GET MY NAME AND SCORE REESTABLISHED Also I filled a Police Report at the sheriffs office of my county

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 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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 looking to buy a house for my family and upon looking at my credit report I see several data points that are not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with experian and XXXX and XXXX but they keep coming back fromt the creditor as verifed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Applied for a Capital One Savor rewards card in the last week of XXXX, under the reward of spend {$500.00} within 3 months, receive {$200.00} in rewards Today, XXXX, upon calling capital one to further solidify my understanding, I was informed that this is not the case- you must spend {$1000.00} within 3 months to receive {$200.00}. 

Additionally, within the fine print there is no mention of a rewards change or conditionality.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I see a company reporting that i owe adebt of XXXX for something i do not know of. This is not mine and require proof of contract that i signed or proof showing this is mine. This is not my debt. Please have this company remove from my credit. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payment on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 hunter warfield inc charge {$940.00} the amount that I did not own and already solve the situation with original creditor ( XXXX XXXX XXXX XXXX XXXX ) as well as with hunter warfield inc. I just found out recently that the amount still showing on my credit background check result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: TN
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 recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX  XXXX  XXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius is apparently buying up medical debts that Americans have either already paid and/or debts that have been marked by credit bureaus as being mistakes, because they are doing so via their collection demand to me ( Reference Number XXXX ). 

I previously submitted several CFPB complaints about this same issue including via CFPB complaint number XXXX when XXXX XXXX XXXX was baselessly attempting to collect this debt from me. XXXX previously also responded via CFPB complaint number XXXX that the improper collection attempt was removed from my account. These matters were resolved over a year ago, yet Radius has now popped into the picture illegally pursuing an amount that I do not even owe. 

Both XXXX and XXXX XXXX XXXX specifically acknowledged that this debt was erroneous. However, they apparently ended up selling this illegal debt to Radius who is now illegally attempting to collect it from me. Either Radius knows it can not actually legally collect these amounts, but buys up these debts hoping it can do so, or XXXX XXXX XXXX  lied to the CFPB stating that the amounts were no longer going to be collected, but then sold the debt to Radius.

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 2023-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  had reported 30 day past due on my account for XX/XX/2021. I was never late. Payment shows I made all the payments on time, therefore an error had occurred and needs fixing. Statements had been requested since they don't offer statements older than 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021

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 2023-03-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
To, EXPERIAN Never applied for these accounts, please delete these inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank You.

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 2021-06-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Complaint : JP Morgan Chase Bank ( Chase ) guarantees on-time closing or {$2500.00} in compensation through the Chase Closing Guarantee. My loan closed after

a 9-day delay ( 39-day closing vs. original/agreed 30-day closing ). Chase refuses to compensate me for the delay in closing. I attempted to resolve the issue through the Chase Escalations Department. However, my request was twice denied based on an " interest rate change. '' Lender-initiated delays are not listed among the ineligibility criteria, and Chase failed to communicate which line item renders my request ineligible. Furthermore, Chase failed to provide written notice of adverse action ( i.e. denial of credit ) per CFPB Regulation B, 1002.9, preventing me from pursuing a loan application with another lender. Timeline : On XX/XX/XXXX, I applied for a conventional mortgage with Chase. When initially applying, I was not given a choice of loan/product types to apply for. 

On XX/XX/XXXX, I was informed my application was pending an ( internal ) exception. At the time, Chase misled me by stating it was due to a requirement that funds originate from a checking account. 

On XX/XX/XXXX, after repeated escalations through phone and email, a Chase manager communicated the above exception was due to a change in loan types, from agency to non-agency portfolio. 

On XX/XX/XXXX, my original closing date, Chase approved the exception to process the application as a non-agency portfolio loan. At this time, they failed to issue me denial of credit on the original loan application, nor did I submit a new loan application for the change in product type. 

On XX/XX/XXXX, my loan successfully closed, 9 days after the originally scheduled closing date. 

Additional Notes : Chase failed to communicate requirements and requests in a clear, unambiguous manner. For example, on XX/XX/XXXX, I was informed that my application was pending an exception. Chase misled me into thinking this was related to a requirement that funds originate from a checking account when it was instead related to a change in loan product types.

Chase also failed to communicate in a timely manner, requiring repeated email escalations to the

loan officer and managers involved with my application. Phone calls went unanswered and unreturned. Chase representatives communicated that updates would come within 3 business days, and instead often took 4-5 business days to respond, if at all. Chase put me in a lose-lose situation, and yet refuses to make this right by compensating me for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a letter from the alleged company ( XXXX XXXX ) which showed that the supposed debt/loan was not carried out by said company. I also contacted the credit agencies to dispute the negative reporting by XXXX XXXX and my credit score was amended because of that proof. However XXXX XXXX failed to resolve the dispute on their end or notify any collection agencies that the dispute was a result of their reporting error and closed the dispute using incorrect data. XXXX XXXX failed to note in their report that the car loan in dispute doesn't match the sales record of a car I did buy and paid off was in good standing ( I've had the title to the car since XXXX ). XXXX XXXX also failed to note that the credit card listed was reported stolen in XXXX or XXXX and could not possibly have been used to get a car loan. 
This whole mess with the collection agency is the result of faulty reporting errors by XXXX XXXX which also failed to act on a previous CFPB complaint ( this is not a continuation of that complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my TD Simple Savings account at TD Bank online in XX/XX/XXXX. I made additional deposits at the XXXX Maryland branch on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I went to the XXXX Maryland branch requesting a cashiers check. I had a balance of {$220000.00} on deposit and requested a cashiers check for {$220000.00} for a home purchase. I was informed that because there was no signature card on file for my account, they would be unable to give me access to my money. Instead, I would have to fill out a signature card and wait 24-72 hours until it could be processed. This is a problem because I need the money for closing on a real estate transaction this week! 

I was never given any kind of disclosure that said that in order to withdraw money from my account I needed an approved signature card on file. The account was opened online, which gave me no option to fill out a signature card and did not inform me in any way that I needed to go to a branch and fill out a signature card and get it approved in order to get access to my money. Nor was I ever informed that I needed to fill out a signature card and get it approved when I appeared at the branch to make deposits. The only disclosure I was ever given about getting a cashiers check is that there would be a fee of {$8.00}. The fee disclosure did not say anything about needing an approved signature card on file to be able to get a cashiers check for {$8.00}. 

I believe TD Bank 's disclosures are deceptive and inadequate. This is a trick and a trap to keep people from accessing their own money when they need it. As as result, my real estate closing may need to be delayed.

Company response to consumer: Closed with explanation