BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NV
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:
in mid XXXX I submitted fraud disputes with XXXX over the phone regarding fraudulent inaccurate & unknown accounts on my credit report. The initial investigation took well over 30 days & I called in over 3 times and got XXXX different status answers when I called in each time from different supervisors. They each had a different story for me about my dispute status. I believe I called in the original dispute XX/XX/XXXX. I called back octber XXXX and there rep told me I didn't submit the original claim until XX/XX/XXXX which was false. He then advised me that I needed to send in a police report and I advised him that I had mailed it in after my intail call earlier in the month. The supervisor found the police report I submitted and told me that they deemed it invalid. But after reviewing it with me he said that there was no name and address on the police report. After futher review I pointed out that the police report actually had all of my relevant information included on the report including my full name and current address, He admitted that the error was on their part. He said he would reach out to that department and fix the issues, He also advised me that my disputes should be completed by XX/XX/XXXX. Today I called in to check my results the date is XX/XX/XXXX. I was advised that the investigation was closed due to my invalid police report!!!! None of the inaccurate accounts were removed from my credit report.I feel like I am being taking advantage of & being ignored of my disputes they say they have no record of the call or notes from the supervisor I spoke to to help resolve the issue. They made me submit another dispute today and told me I have to wait an additional 30 days for results. section 611 ( a ) states that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report & it has been more than 30 days in they have failed to conduct a proper investigation. I demand these items be deleted immediately or I will file litigation due to the stress they caused me ( Equifax ) the credit bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) the credit bureaus are suppose to complete al investigations before the expiration period of the period under section 611 ( a ) ( 1 ).

The confirmation # of the dispute with Equifax is XXXX the new confirmation # to my new dispute I filed today is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan servicing transferred to a company called Mr. Cooper. The autopay did not get re-established correctly, even though I thought I had done everything I needed to do online. I received no phone calls, no texts, no mail, and no email to alert me about the failure to re-establish my autopay, even though they had been supplied with my cellphone number and had been authorized to call it. When I complained, they reversed the late fees. Nonetheless, they still made a derogatory credit disclosure which has significantly reduced my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CapitalOne is refusing to update my phone number. I have tried 26 times at least and it is always excuses and even when I do go through the 15,000 steps and hours of arguing over the phone and get the number changed they still do not change my number. I am tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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 information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX- Account : XXXX .... 
Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years  should be removed from my report. Therefore, the following accounts should be removed : This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2023-06-26
Company: CCS Financial Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I paid XXXX the original creditor on XX/XX/2023 and was informed that the account was in good standings as of that date, however the Collection company ( Credit Collection Services ) report the account on XX/XX/XXXX as a paid settlement. when it wasn't supposed to report to my credit report per the agreement with the original creditor nor any collection. Basically the collection was never involved according to my understanding. Therefore reporting a paid settlement should not be on my credit report. I spoke with an actual XXXX employee XXXX on XX/XX/2023 and she said nothing should be reporting on the credit report since payment was paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: OLIPHANT FINANCIAL, LLC
State: SC
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 XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts shout not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer-reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer, Im demanding the deletion of the accounts listed IMMEDIATELY!

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

Complaint:
This is my XXXX endeavors 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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 2023-06-26
Company: Absolute Resolutions Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX ABSOLUTE RESOLUTIONS I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABSOLUTE RESOLUTIONS I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank allowed a {$2100.00} levy against my savings account without any knowledge to me at all. I'm allowed 20 days to dispute it and allowed a court hearing. I also should have been exempt by law since my only income is state XXXX. Even after the agency that illegally took all my savings admitted they made a mistake I still never saw my XXXX dollars again. Chase said they couldn't recover the money because it's already in someone else 's account. That's a lie. They took it out of my Chase account and put it into someone else 's Chase account. Odd how they can take money from my account but they can't take it out of there account when we have the same bank. I totally feel absolutely discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received an email from Wells Fargo alerting me that a check deposited on XX/XX/XXXX into my account was " returned unpaid '' and the amount ( {$3600.00} ) was deducted from my checking account. I did not attempt to deposit a check on XX/XX/XXXX. Upon logging into my account online I noted that a withdrawal was also made on XX/XX/XXXX for the same amount ( {$3600.00} ). I did not withdraw money on this day either. The transaction detail indicated that the transactions were " in branch '' in XXXX XXXX NC. I live XXXX hours from this branch ( I live in XXXX VA ). I called customer service on XX/XX/XXXX and disputed this transaction and explained that I did not attempt to deposit a check for {$3600.00}, nor did I withdraw {$3600.00}. I also explained that I was not in NC on this day or any other day. I did not hear from Wells Fargo again. I continued to check the status of my complaint online and observed that the case was closed on XX/XX/XXXX. With no explanation or contact from the bank. I called customer service again and was told that the research team determined no fraud occurred. I requested elevation. Another complaint was opened on XX/XX/XXXX and that evening I received a call and was told that without a police report and investigation no further action would be taken. On Monday XX/XX/XXXX I went to my local Wells Fargo branch and spoke with a banker in person. They called on my behalf and were told the matter was closed and if I got a police report they would consider re-opening the case. When the banker asked what police department should be contacted ( local or in NC ) he was given unclear instructions. He asked that they call me as soon as possible to discuss. Later that day ( XX/XX/XXXX ) I again received a call from the same individual as the evening of XX/XX/XXXX and was told there was no loss and there would be no further consideration by Wells Fargo into my claim. I again explained there was a loss as I am out {$3600.00}. The fraudster walked out of the bank with {$3600.00} of my money. The individual said I have a problem with the withdraw, not the deposit. I would need to submit a new dispute for the withdrawal. When I asked if she could help me with that I was told to call the number on the back of my debit card and start over. She then hung up. 

I don't understand how someone can walk into a bank branch 5 hours away and steal my money without ID or authorization. Wells Fargo is not interested in investigating or resolving my claim.

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 2022-06-01
Company: TRUIST FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A payment was made to SunTrust on XX/XX/2022. SunTrust has merged with Truist, who has failed to reconcile the account and payments. All documentation, including bank transfer receipt has been provided on multiple occasions. Truist continues to show the account as past due and is reporting the account delinquent to credit agencies.

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 2023-09-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
MY CREDIT SCORE DROPPED XXXX POINTS DUE TO ERRONEOUS INFORMATION FROM DILLARDS/WELLS FARGO. I HAVE BEEN TRYING TO RESOLVE A {$27.00} BILLING ERROR THAT OCCURRED IN XXXX OF 2022 AND WHICH NOW TOTALS {$270.00} DUE TO FEES AND INTEREST THAT I DO NOT OWE! THIS HAS DRAGGED ON AND ON AND ON FOR 11 MONTHS. I OPENED A COMPLAINT WITH CFPB AND RECEIVED A LETTER LAST MONTH FROM WELLS FARGO SAYING A CREDIT WAS APPLIED, BUT I AM STILL RECEIVING A BILL ( WITH MORE INTEREST AND FEES ) AND MY CREDIT REPORT REMAINS INCORRECT. WELLS FARGO HAS BEEN ABSOLUTELY HORRIBLE IN HANDLING THIS AND OBVIOUSLY DOES NOT WANT TO FIX ANYTHING. 

SEE CFPB REPORT 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 monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX and XXXX XXXX XXXX account # 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 state a consumer reporting agency can not furnish a account without my written consent.

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 2022-05-31
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX I mailed out letters to all three credit agencies Transunion, XXXX and XXXX stating that I did not recognize several inquiries on my credit file which is unauthorized use of my social number/credit card. These unauthorized inquiries were furnished up to my consumer report without my consent. These agencies did not comply with their own policies in a timely manner with responding to my complaint within 30 days.

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 2023-09-20
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: MM Finance, LLC, Bellevue, NE Branch
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a victim of identity thief. 
My identity was used in XX/XX/XXXX for a payday loan with MM finance , LLC EZ money check cashing. 
I have submitted a claim through the federal trade commission at XXXX 
I also contacted the attorney who I disputed the case with because I was improperly served court papers. I did not receive any documents about the court case or I would have shown up and plead my case because this is not my debt. 
Due to improper servicing I am now being garnished for a debt that I am a victim of identity theft on. 
The attorney XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX ) Has been sent documents by me by certified mail on XX/XX/XXXX. 
As of now, XXXX XXXX XXXX XXXX is in violation of consumer law codes that they were provided with the certified letter that was sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation