BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
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 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
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:
I am submitting this complaint to bring attention to the serious violations of the Fair Credit Reporting Act ( FCRA ) associated with the XXXX XXXX XXXX collection charge-off account on my credit report. The inaccuracies and discrepancies in the reporting of this account have resulted in significant harm to my creditworthiness and financial standing. 
Upon reviewing my credit report, I discovered substantial inaccuracies pertaining to the XXXX XXXX XXXX collection charge-off account. These inaccuracies specifically concern the dates associated with the account, including the date opened, last reported date, and last active date. 
The inaccuracies present on my credit report are in clear violation of the FCRA, a federal statute designed to protect consumers from inaccurate credit reporting. The specific FCRA sections and clauses that have been violated include : FCRA Section XXXX ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX XXXX XXXX account constitute a breach of this obligation. 
FCRA Section XXXX ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
FCRA XXXX XXXX : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumers credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
These legal violations have not only compromised the integrity of my credit report but have also infringed upon my rights as a consumer. As a result, my creditworthiness has been severely affected, making it challenging to access credit and financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to XXXX, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} ) was less than the payment remitted to them. Shortly thereafter, XXXX initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
VERIFY THESE ACCOUNTS THAT HAVE INCORRECT INFORMATION XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to XXXX, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} ) was less than the payment remitted to them. Shortly thereafter, XXXX initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?

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 2023-09-22
Company: EQUIFAX, INC.
State: DC
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:
I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX XXXX and the Account number is XXXX with a Balance of {$990.00}. This should not still be showing up on my credit report. This account was open XX/XX/2015 and the account was settled. This account is way past the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: Santander Consumer USA Holdings 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 was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: VA
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 non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: OK
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I was on the phone today for an hour and a half on hold most of that time with The bank and when it was all said and done you still didnt resolve my issue. You tell me I need to write another letter and repeat everything that Ive already told you. I called about case number XXXX it was a dispute with home advisor that was rebill to my account its true youre very clear that that can happen Im just not sure how in the world it happened this time. The dispute basically revolves around them not showing up to do the service that I hired them to do you already have all the information yes I ordered the service I was told today on the phone that you receive documentation from the company the gentleman I spoke to on the phone and reviewed the documentation with me and I went ahead and logged in and looked at the documents myself the only thing that the documents are showing is that I ordered the service I was never disputing that part I was never disputing the fact that I ordered the service I did order it I ordered it I paid for it the part that Im stealing is the fact that they never showed up you clearly didnt dispute this correctly with all due respect I know all the stuff is probably complicated on your end but somethings not right the documentation received dont say anything about actually showing up and doing the service its all about booking the service I mean they show where I booked it and yes I booked you but you didnt Show up and perform the service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: NY
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am a victim of identity theft, the enclosed accounts are a result of identity theft. These accounts are having a negative impact on my credit. I am requesting that these accounts be removed from my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TN
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:
Equifax is in violation, late payments are illegal according to 15 USC 1681a 2 ( A ) ( I ) under exclusions. I sent a letter to them which is attached to have the late payment status changed on XXXX to paid as agreed and yet they continue to violate the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my vehicle from Wells Fargo bank to XXXX XXXX Bank XX/XX/2023. I noticed that I was still receiving statements from Wells Fargo XX/XX/2023 so I called to verify my account has been paid as I understand it takes a XXXX  of weeks. The several Wells Fargo customer service agents I have spoken with recommended I make an additional payment or they will report my account as delinquent. I asked to speak with someone higher who could tell me about the status of the check received from XXXX  XXXX and after providing the requested information, they told me that they have NO record of the check from XXXX  XXXX. I also contacted capital XXXX and spoke to someone in a similar department and was told otherwise about the Check. XXXX  XXXX stated that it would have been returned but it has not. So currently I have multiple car notes due form both companies and still being charged interest and late fees from Wells Fargo bank.

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 2020-12-27
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against BAY AREA CREDIT SERVICE for a fraudulent unverified account with no Original Creditor information on account # XXXX. I do not recognize this account for {$150.00}. I dispute any and all accounts in your office under my name XXXX XXXX. You are a 3rd Party that I chose to not do any business with your company. I would like this account to be deleted from your data base, if your company BAY AREA CREDIT SERVICE sells this unverified account to another 3rd Party company I will press charges for fraud and ID Theft as well as HIPPA Act violations. Under FDCPA 1692 ( c ) CEASING COMMUNICATION THIS IS MY OFFICIAL NOTICE IN WRITING THROUGH THE CFPB ( An official website of the United States Government ) DO NOT CONTACT XXXX XXXX ABOUT THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
State: MO
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 had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XX/XX/2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points! XX/XX/XXXX did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MO
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have filed several disputes regarding this account being on my credit report which is hurting my credibility and hurting my ability to obtain credit, XXXX has not only failed to respond but blatantly ignored my complaint which has also disregarded the laws to my consumer rights. 

I asked them to validate the validity of this account being 30 days late XX/XX/2019, also sent them a method of verification once there E-oscar system has kicked back and auto response of update to my complaint which I didn't ask for and update. They are housing misleading persona identifiers on my report as well merging my file with others and compromising my profile. 

This account is bein reported late with XXXX and Transunion but on time with XXXX the creditor has sent proof that I am up to date and not late screen shot of error below XXXX  XXXX Account # : 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 2021-02-08
Company: EQUIFAX, INC.
State: NC
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:
Card was opened in someone else 's name and has me as an authorized user. 
XXXX XXXX  was the card issuer, XX/XX/2019 when it was opened. 
XX/XX/XXXX when closed. 
XXXX dollars was 30 days late and card was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account number XXXX with XXXX XXXX a debt collector, 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

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