BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information. that is being reported to my credit file. this has been an ongoing issue that never gets a response to update an delete the information correctly. looking over all the data listed these items have been reporting illegally an fraudulent information that has caused alot of damage to my credit report. please review an remove the listed items selected to help clear may credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a complaint about erroneous information on my account. The investigation has taken over 30 days to complete. There several collection accounts on my credit report. They have not provided contract that proves the debt belongs to 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 explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2022, I made a deposit of {$1400.00} dollars in cash to my checking account at Bank of America, the ATM had a problem and was not working correctly, it only registered the amount of {$1300.00} dollars, I called the bank to make the claim the {$100.00} dollars was missing and they replaced it on XXXX XXXX, 2022, after a month passed on XX/XX/XXXX, they took away the original deposit of {$1300.00} dollars that I had made on XXXX XXXX, 2022, they tell me that they withdrew that Money because there were not enough funds, but I never deposited a check my deposit was cash. I opened a claim and they closed it, they telling me that the claim was already paid, but the only money they returned to me was the {$100.00} dollars from the beginning but they dont want to return the {$1300.00} they have taken it from my account, and my deposit was in cash not by check, they cant take Money from my account that I deposited in cash, than you any help you can give 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 monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am sending a formal complaint about capital one. There is a {$1200.00} charge ( {$800.00} plus {$400.00} ) from XXXX XXXX on XX/XX/23 for gift cards that I purchased in order to receive concert tickets from XXXX. I did not receive the concert tickets. I provided capital one with a police report since the XXXX number I called to purchase tickets ended up being a fake phone number listed online. When I called XXXX, the representative told me she can not take credit cards or personal information so I need to purchase a gift card in order to receive the tickets. I have also filed reports with other agencies including the Federal Trade Commission, report # XXXX and the NY State Attorney General, report # XXXX. After multiple calls to Capital One explaining my situation in detail and providing the reports, I have been sent a final letter that the case is closed and that they are reapplying the charges. I feel that I should not be held responsible for these charges since I did not receive the tickets. Also, when I spoke with XXXX from Capital One at XXXX XXXX on XX/XX/23 ( her ID is XXXX ), she told me there is nothing they can do for me, but in certain situations they can make exceptions. When I asked what she meant by that, she said if an elderly person was scammed they can look into removing the charges. I was appalled. That is age discrimination. Because I am not an elderly person they will not consider removing these charges that they know I should not be responsible for? No matter what age a person is, if you make a purchase and do not receive the product, the credit card company should back the consumer up. In this particular case, XXXX XXXX was not at fault so they say this does not fall under fraud or a dispute so they will not help me. It is very concerning that such a large well known credit card company is being completely resistant in relieving me of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CCS Financial Services, Inc.
State: VA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 it explains to respect a consumers right to privacy and with fairness and impartiality. XXXX and XXXX are reporting agencies and I am considered the Consumer. I have a right to make sure none of my information is shared without my consent 15 USC 6801. It is the policy of the congress that financial institutions has an obligation to protect customers nonpublic personal information. In 15USC 1681 section 604 section 2 states all reasons an agency my furnish my information, only with written instructions and that was not done. This account is an adverse item they are reporting without my permission and that is against the law 15US code 1681s-2 ( a ) ( 1 ). Every consumer agency must maintain reasonable procedures to avoid violations. I am opting out of your reporting services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Per the letter dated XX/XX/XXXX received from Great Lakes concerning a previous complaint, it stated that the U.S. dept of Education did not approve my application for a discharge of my student loans. 

On XXXX XXXX, I received an email from the U.S Dept. of Education regarding my XXXX XXXX claim status ( copy attached ). 

On XX/XX/XXXX, I received an email again from the U.S. Dept of Education indicating that I am part of a lawsuit because I have a XXXX XXXX Application # XXXX pending ( copy attached ). 

I therefore find it strange that I was neither notified by Great Lakes nor the U.S Dept of Education that my application was not approved and the reason why. 

I believe this is a tactic of the servicer of my student loans, Great Lakes, to cause me hardship in getting my student loans discharged and frustrating the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

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 2018-05-02
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transfinancial Companies is reporting an unknown medical account ( s )  XXXX in the amount for {$120.00} ) on my credit report ( s ). I mailed Transfinancial Companies a registered and tracked letter via the United States Postal Service on XX/XX/2018, requesting validation for the debt/account ( s ). More than thirty days have passed and Transfinancial Companies has not responded to my request for debt validation for the account ( s ) their company is reporting on my credit report ( s ). Transfinancial Companies has not responded to my letter requesting debt validation but continue to report the unvalidated/unverified account ( s ) on my credit report ( s ). In addition, Transfinancial Companies placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Transfinancial Companies never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ) .Moreover, I have always retained medical insurance. I contacted my medical insurance carrier and the original creditor regarding the account ( s ) /debt in question and was told by both that I did not have any outstanding medical bills that were not paid in full.

Transfinancial Companies is causing me injury and is harming me emotionally, physically and financially and causing me mental and emotional stress and anxiety, which are  exacerbating and aggravating my current medical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I DEPOSIT 2 CHECKS INTO MY SAVING ACCOUNT. ONXX/XX/2021 AT A WELLS FARGO BANK CHECKS AMMOUNT {$4100.00} PLUS {$3400.00} SINCE I DEPOSIT THE CHECKS LAST WEEK, CHECKS ARE STILL ON HOLD

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 2023-11-14
Company: EQUIFAX, INC.
State: NY
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I receive daily texts from radius global claiming I have a debt that needs to be paid but Ive never received written information about the debt. I do not believe I have any outstanding debt and my credit report does not show any debts in collection. So I believe this is a scam, can you please help me For reference, they are claiming I am responsible for case number XXXX Please have them proof of my debt Thanks!

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 2023-09-28
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly asked for validation of this medical debt from both the company as well as Equifax. The company ignored my request and Equifax has repeatedly stated that they have verified that this debt between myself and XXXX XXXX is verified. Equifax has failed to send any documentation proving that this debt is mine including any information they have on me owning the debt and any and all contracts or statements. Equifax has failed to tell me how they have come to the conclusion that I owe this debt. This is in violation of the FCRA and Equifax should be held liable for defamation of my character and damages to me and my family. I demand that Equifax immediately delete this information from my credit profile as I am not liable to pay this company a debt that I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Millco Management
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:
On XX/XX/2021 I checked my credit report and it has been brought to my attention that Amerifinancial Solutions LLC has 2 negative remarks on my report of {$1600.00} each. The total debt they are claiming that I owe them is {$3300.00} ( see negative_remark.jpg ). On XX/XX/2021 I mailed Amerifinancial Solutions , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Amerifinancial_solutions_letter.pdf ). I mailed Amerifinancial Solutions , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see XXXX ). These letters are tracked and they show that they have been delivered, signed for, and received by an Amerifinancial Solutions representative. It has been over 70 days and I have yet to receive any response from Amerifinancial Solutions.

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 2022-09-30
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have updated XXXX-Synchrony using the online account message center while I have no money or income. Often as soon as I post an online update of my job search and prospects, the company will begin calling twice an hour to my mobile and home XXXX which continue for multiple days. The call is from an automated system that only provides account status and past due amount and payment options ( no attendant. ) I realize this action will likely terminate the online message center ( the usual tactic by Synchrony ) but the calls, which included two after XXXX are not productive for either of us while I am not in position to make the payment. I prefer correspondence online

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 2023-02-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all XXXX credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all XXXX credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE. 
The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX Experian Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current Experian credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX XXXX Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''

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