BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named Portfolio recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name XXXX is trying to collect the same debt. I believe that Portfolio Recovery has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 XXXX XXXX / {$11000.00} / XX/XX/2022

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 2023-10-27
Company: EQUIFAX, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXXXX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, Equifax and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX XXXX company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital One allowed XXXX fraudulent account to be opened in my name, XXXX Auto loan, account number XXXX and XXXX credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but Capital one had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from Capital One. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by Capital One. I have never doe business with Capital one, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We spoke with Pennymac about mortgage rates and got a quote that sounded better than the one we had and were working on ( in the application process ). <P/>The first thing the guy wanted was our credit card for the appraisal. We did n't even have an application or Loan Estimate from them. But he said this was required before other steps could proceed. We gave him our credit card info. <P/>It was days before we got any other information from him, and we decided not to go with him because we had an uncomfortable feeling dealing with him. The Good Faith Estimate had fees that had jumped way above what he had quoted us. When we next spoke to him, he did n't speak in specifics but more in vague generalities and this put us off. On the evening of XX/XX/XXXX, our real estate agent emailed us saying he was unaware that we had swapped lenders. We told him that we did not change our lender. Although the Pennymac guy had sent us links to his application but we did n't sign it. Because of our deep discomfort with this guy, we did not commit to using Pennymac. A few days later, he called to ask what was up. We told him that we were going with another lender. At the end of this conversation, he said something about our calling to stop the appraisal - or something like this. The gist was that we had to do something in order to stop an expense to us. My wife 's recollection is that he had said that he would pull it, or void it or cancel it. Before I could ask more about it, he ended the call. <P/>On XXXX XXXX, 2017, we got an email referring us to a website from which we could download the " Property Valuation ''. This was a big surprise. The next morning, I checked the credit card and saw the Reservation of {$450.00} made on XX/XX/XXXX, but had not been " collected ''. We did not follow the link to the website to the point of accessing the " Property Valuation '', as this might have " accepted '' the service that we had n't pursued. <P/>My wife is very upset about this transaction. She ca n't understand how a bank would proceed with charging us for an expense without a signed application. She is only grateful that we backed out of dealing with this guy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Approx. XX/XX/2022, {$400.00} from XXXX. XXXX, XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1861 section 602 A states the right to privacy.

15 U.S.C 1861 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without written instructions.

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 2023-07-17
Company: Incomm Holdings Inc.
State: ID
Product: Credit card or prepaid 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:
In XX/XX/XXXX my children each received a {$100.00} gift card via USPS mail from their aunt ( who resides in another state ). She purchased both gift cards at a XXXX store. On XX/XX/XXXX I assisted one of my children as they attempted to use their gift card to make a purchase. The card was declined. Upon researching the card 's transaction history I learned that the card was already used to make a purchase on XX/XX/XXXX in another state. I checked my other child 's gift card history and learned that it, too, was used in the same manner. 

On XX/XX/XXXX I called InComm Financial Services ( XXXX ) as that company represented the card 's issuer, XXXX, XXXX. I made XXXX fraud reports for the cards ' usage. I was issued case numbers XXXX and XXXX. I was provided the email address XXXXXXXX  to follow up on the cases. 

On XX/XX/XXXX I emailed inComm at the email address I was provided to get an update. I received no response. 

On XX/XX/XXXX I called InComm at their toll free number to get an update. I was informed that the cases had been closed out. I requested to be sent documentation about my investigation but was told that due to the length of time since I reported the fraud I would not be provided with anything. 

It was only after going through the process of filing fraud reports with InComm that I learned of the rampant fraud that occurs with gift cards sold in stores. The cards are not placed in tamper-proof packaging by the manufacturer and the stores do not place them behind counters. This enables thieves to steal the gift cards, open the packaging to obtain the card 's numbers, and then return them to the store. Unsuspecting customers then purchase the cards. The thieves subsequently use the numbers on the cards which they previously wrote down and spend the money themselves. These companies and store are aware of this problem. They have done XXXX to protect consumers. They are content to collect the money regardless of how it was acquired. I feel that the credit card company and XXXX are both liable for this rampant form of theft and feel as though they should be required to reimburse each customer who was victimized by this type of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: STERLING JEWELERS, INC.
State: VA
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 filed a complaint about this directly with Kay Jewelers and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( Kay Jewelers ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX XXXX Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, Kay Jewelers, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: FinCo Services Inc DBA Current
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Current unfairly deny fraud claim saying no fraud occurs after I disclose THEE fact that me have a XXXX XXXXysomeone steal all money from THEE account of me. Not fair, not cool. They discriminate like most people because me XXXX American and not smart very but getting very better. People take disadvantage of me and I am tired. Someone steal all money of me from current checking account and current do not help me. I reported a call to the polices and they give to me a number XXXX XXXX. Me calling News station next.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSWORLD SYSTEMS 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 have 2 errors on my credit report I paid in full the balance 's of three account 's from XXXX XXXX XXXX XXXX on three dates XX/XX/XXXX of {$140.00} and then XX/XX/XXXX of XXXX XX/XX/XXXX of {$21.00} they won't take the two remaining accounts from off my credit report and of XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: AL
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXXXXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
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:
Hard Inquiries 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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
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: Information belongs to someone else

Complaint:
I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but Equifax and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX   at the time these accounts were opened. 
I am asking Equifax, XXXX XXXX, and XXXX  to please remove this fraudulent account. 
3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX   Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to Equifax and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account

Company response to consumer: Closed with explanation