BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  I, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX  XXXX MO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2011, I first noticed that a XXXX XXXX bill appeared on my credit report when I attempted to purchase my first vehicle. According to my credit report at the time, someone by the name of XXXX XXXX, who resided in XXXX, California at the time, had used my Social Security number as a cosigner for her to get a XXXX phone. This charge had fallen off of my credit report in XXXX timeframe, however, when my husband and I recently wanted to look into buying our first home, the credit repair company we worked with pulled what they called a deep dive report that they claimed will pull anything lingering on our report, even if it has fallen off. It was at that time that the XXXX XXXX bill came back onto my credit report as if it was a brand new collection account. Considering how long I have been disputing this account and have proved that it is not mine over and over again and XXXX and the creditors continue to sell the debt and ruined my credit is unacceptable. I need someone to intervene and get them to stop. It is {$700.00} of debt that is not mine, and I refuse to pay for someone elses debt, and they should be going after the person who owns the account, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my credit report XX/XX/XXXX and I noticed some more inquiries that do not have permissible purpose supposed to be on there. Ive contacted the credit bureaus, and the issue is still not getting resolved and they keep violating my rights under 15usc 1681 b, I also attached the hard inquiries that do not suppose to be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and   XXXX  /Equifax was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had been paying my credit card as agreed with 100 % on time payments. I just found out my card was charged off. When I called they said that no other purchases had been made but they had charged me a fee and then subsequently late fees and interest. No statement was sent to my address on file at any time. I did not become aware that any payment was owed until a credit monitoring service notified me that my score was destroyed. CapitalOne charged off a completely good standing and inactive account without any purchases having been made. The amount charged off was 100 % fees and interest with no principal. No statement was ever sent to me. No collection call was ever made to me. I had not used the card and had absolutely no way to know this was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and Experion/  XXXX   was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account

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 2023-05-01
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Fraud or scam I'm not the one with these debts want to remove any negative items on my credit

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 2023-03-28
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In mid XX/XX/XXXX, I opened and deposited more than {$75000.00} into a Citi checking account after being promised by the promotion that I will receive {$1000.00} by early XX/XX/XXXX. However, the bonus has not been received yet. 

How did I try to resolve this with them? 
I called Citi in mid XXXX to ask why I have not received the bonus yet, and was being told I would be qualified for the {$1000.00} bonus because I did all the required activities, and they would open an investigation for me, which would take 7 business days to be processed. After the 7 business days, I still have not received the bonus, so I called again on XX/XX/XXXX. This time, Citi said the information given to me that it would take 7 business days to be processed is wrong, and it would actually take 40 business days now. 

At this point, I've been manipulated by Citi, and it feels like a scam.

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 2022-12-14
Company: EQUIFAX, INC.
State: AL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: GOLDMAN SACHS BANK USA
State: RI
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:
So I have GM card with Marcus : by Goldman Sachs and I use there card rarely, however, I did have over {$750.00} worth of points I had earned over years, and I wanted to redeem {$280.00} towards a statement credit I had for a purchase of {$1300.00} I had made so I did the redemption, and they didn't redeem my credit balance, but took my points from me, I have called and gotten the run around, I saw where they used my {$280.00} rewards towards old statements from like XX/XX/2022, towards items I had already paid for, You can see on the Image attached they used my points toward previously paid items. 
Nobody has been able to assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-06
Company: FORD MOTOR CREDIT CO.
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:
On  XXXX   XXXX , I wrote t o Ford Motor (  with a copy to  XXXX   )  a second time to have them report my loan information to    XXXX  . They have been reporting to both   XXXX   and  XXXX . This is positive information which would help to increase my   XXXX    score if it were to be reported.     Neither Ford nor  XXXX  ever responded to my dispute and now  XXXX  months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my  XXXX  score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have wrote Experian,  XXXX , and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.   XXXX   said they will removed but still fail to do so. Experian and  XXXX  said they verified but the court said they did n't verified threw them. This item is not mines

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 2023-09-30
Company: EQUIFAX, INC.
State: AZ
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:
Hello my Name is XXXX XXXX XXXX & 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 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 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.

Do to these inaccuracies I am behind on several projects due to not being able to refinance my home or get approved for any type of loans pls help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-08-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was written off in XXXX & is no longer on my credit report, after SIXTEEN YEARS. 

Out of nowhere, I get a letter that I owe LVNV {$1400.00}. In the same letter, they state that because the debt is SO OLD, they cant legally sue me for it ( I never entered into a legal contract with them in the first place, so it is NOT MY DEBT ). 

And they state that they can not report this fake outstanding debt to any credit reporting agency. So what are they harassing me in the first place? 

My credit score is close to 800 for the first time in my life, and Ill be XXXX  if Ill let these XXXX ruined something thats taken my entire adult life to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: MO
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 am writing to express my ongoing frustration and concern regarding the inaccurate reporting of a late open accounts on my credit report, despite multiple attempts to rectify this issue. This recurring error is negatively affecting my financial standing, and I urgently request your immediate intervention to address and resolve this matter. 

I initially identified this discrepancy on my credit report. To my dismay, the account mentioned above has been persistently reported as late, even though it was opened and I have consistently made timely payments since then. 

My efforts to correct this error have been as follows : I submitted a written dispute to Credit Bureaus, highlighting the incorrect reporting of late payments and providing comprehensive documentation to substantiate my claim. This documentation included bank statements and payment records. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the correction of the late payment reporting. During this conversation, I was informed that an investigation was underway. 

Given the continued inaccurate reporting, I sent a second dispute letter reiterating my concerns and emphasizing the urgency of resolving this issue. 
To my dismay, I have not received any response or resolution concerning the correction of the late open account on my credit report. 

The persistent presence of this error is seriously impacting my credit score and my ability to access credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly rectifies the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and any related correspondence with Credit Bureaus Bank statements and payment records demonstrating my consistent, timely payments Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly assist me to correct these accounts : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Thayer Properties Inc. DBA Residential First Capital
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My company, XXXX XXXX used loan servicers XXXX XXXX and XXXX XXXX at Residential First CapitalXXXX XXXX XXXX, CA for servicing a debtor. 

We were successfully paid off by the debtor and the money ( {>= $1,000,000} ) was wired to Residential First Capital 's bank account. 

Residential First Capital has refused to wire over XXXX 's cash unless I sign a waiver to release all claims that I may have against them for servicing the loan and I pay XXXX XXXX {$6000.00} in consulting fees. XXXX has no right to deduct any such fees from this money, but the bigger issue is that they are tying the handing over of my cash with this release of claims waiver. They are attempting to blackmail my company and hold it's cash XXXX unless I sign this waiver. They have made their demands via email ( see attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
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: Information belongs to someone else

Complaint:
This is my 9th 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  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief