BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: CT
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 tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. XXXX, Equifax, and XXXX refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got a XXXX forbearance for the months of XXXX, XXXX, and XX/XX/2022. I did not make payments those months and resumed monthly payments XX/XX/2022. I signed paperwork from XXXX stating that the amount of the payments I missed ( {$3000.00} ) was considered a loan that would be payable when I refinance or pay off the mortgage. My account was never properly credited for that amount nor was I given a check for that amount, so I was never given the money that I have a loan for. 
I have called many times in 2022 trying to get an explanation of the strange items on my mortgage statements and no one has given me any explanation except that they were mistakes and would be fixed. They have never been properly fixed and I gave up asking for an explanation. 
I have called more recently called to straighten this out, requesting a meeting to analyze the statements. Every person I talk to tells me that I need to talk to someone else. I have left messages for the XXXX that I am told can get this taken care of and she has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, INC.
State: WY
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 Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 5.EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, NA XXXX XXXX  XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. 
I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CBC Companies, Inc.
State: TX
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 how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old. 
Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

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 permission 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: ECMC GROUP, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ok I received a bill from .. XXXXXXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX reference # XXXX Guarantor Educational credit management Corp .... well the problem is I do not know this people I never did business with them I dont owe the not aware of this bill ... first of all I never had a account from XXXX XXXX  XXXX like it  stated..second they called me and when I said I dont no what they are talking about they got XXXX he cursed me . Because I would not acknowledge this bill cause its not mind ... can you help please I dont want them to contact me ever .... XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, In XXXX .... help me please

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 2022-12-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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 is missing that should be on the report

Complaint:
I purchased a vehicle in XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX. I notice problems with the vehicle. After mutiples failed service appointments, I retained a lawyer who classified this vehicle as a Lemon under California Law. In XX/XX/XXXX, XXXX of XXXX deemed this vehicle unsafe to drive and issued a recall notice. See attached. Letter. I received a Settlement from XXXX of XXXX for my troubles and I has the car returned. As of this date, this account still appears on my credit report and also reporting as a repossession. I wouls like to request this line removed from all three credit bureaus as soon as possible as it was agreed upon with XXXX XXXX XXXX XXXX XXXX XXXX. Elclosed are the letters. On XX/XX/XXXX settlement was finalized.

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 2020-08-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company listed above, states that I owe them {$170.00}. I have never had service with the listed company, so I am not sure how they are claiming that I owe this amount. This seems to be a collection company. This company seems like are just trying to collect money from random people. I am requesting help to get this resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  has falsely reported debt, false dates and false statements/signatures since XXXX on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXX XXXX  twice to remove them and they did, only to have XXXX XXXX XXXX falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
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:
This information is incorrect in my report. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance {$610.00}.

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 2020-01-30
Company: EQUIFAX, INC.
State: NY
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:
PLEASE REMOVE THE DISPUTED ACCOUNT AND INQUIRIES OF FMY CREDIT REPORT FOR THEY HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT. THE ACCOUNT DISPUTED WAS NOT AUTHORIZED BY ME. PLEASE HAVE IT OF FMY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-10-08
Company: DISCOVER BANK
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Company did not protect " savings '' 'identity ' & denies wrongdoing but has provided documents explaining that I was billed by a phantom merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SOMEONE USED MY INFORMTION TO OPEN CONN APPLIANCES WITHOUT MY CONSENT. I WENT TO XXXX XXXX POLICE DEPARTMENMT AND FILED A POLICE REPORT AND THEY DETERMINED THAT THE ACCOUNT DID NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CRDDIT PROFILE THANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: TX
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 XX/XX/2022 I mailed a letter in regards to inaccurate and unknown items on my credit report. It has been over 30 days and I have yet to receive a response. I feel like my disputes are not being taken seriously, and I feel like I am being taken advantage of. I have researched and found that my disputes are to be investigated within 30 days. Because the investigation has surpassed the timeline required by federal law, the items in disputes must be deleted. If the items are not deleted immediately I will file for litigation for the stress caused. Additionally, my information was also impacted by the XXXX data breach and has most likely gotten into the hands of a malicious person.

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 2020-06-12
Company: EQUIFAX, INC.
State: OK
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$94.00} XXXX {$3000.00} XXXX {$95.00} XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: First Advantage LNS Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
It all started in XXXX A judgement from an apartment complex. The collections representatives are very used, unprofessional verbally and mentally abusive. I have been trying to payoff or settle the debt for XXXX years. Every time I speak with the representative she start arguing and yelling at me or arguing with the people in my background who have nothing to do with our conversations. Their calls are monitored and recorded. If you pull every call you can hear how rude they are. Over the past 4 years they never attempted to verify my information before speaking about the amount I owe. On XX/XX/XXXX I called the collection agency with someone I call my sister. I gave them authorization to speak with her. She ask them for a settlement iao {$800.00}. The representatives said she doesnt want to give me a settlement because of past conversations, where they offered me settlements, and I never excepted their offer. I advise the representative. I never received a settlement offer in writing and I havent received anything in from them writing pertaining to this debt. My sister asked to speak with a manager since the representative stated she didnt want to give us a settlement. The representative started playing on the phone ( laughing, giggling ) while putting us on hold 3 times. When the manager came on the line and stated that the representative never mentioned a settlement offer to her. The manager started yelling at my sister because she asked to speak to a supervisor above her, then the manager started screaming that she refuses to speak with my sister etc.. 
On XX/XX/XXXX I called to request a letter in writing with the companies letterhead and a physical address so I can mail a check. Representative said she cant provide me a letter with the companys name on it or the physical mailing address, she can only send an itemized bill. I told the representative I am her consumer, and if shes attempting to collect a debt, I need to see a letter in writing. The representative said, I am not her consumer. XXXX XXXX is her consumer ( Original Creditor ). I advised the representative that her companies website seems like a scam. The website states theyre charging you {$20.00} convenience fee and then it asked for you all your personal information without telling you what you owe or what youre paying for. I dont understand how they are even licensed to collect any debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 # 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 XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXX OF XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # 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 2023-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
2023 XX/XX/XXXX - Opened capital one 360 checking account XX/XX/XXXX i was sent an email that says " when you bank with Capital One 360 checking account your hard-earned money works harder for you. With fee-free benefits, mobile banking and multiple funding options, getting started is simple. 

I set up my paycheck to be automatically deposited into my new 360 checking account via direct deposit. 

I am an authorized user on a SECURED Capital One credit card, I have access to my online banking with this secured card However, If so I am not able to link the 2 accounts. 

XX/XX/XXXX : I called to check my balance and confirm that my direct deposit was successful. 

XXXX XXXX XX/XX/XXXX I have made calls to capital one to ask for help with my account and not one employee has been able to help me and XXXX XXXX i was told my account is under investigation and they dont know how long it will take AND IF they feel like they owe me money then a check will be mailed XX/XX/XXXX I was told i need to go to XXXX XX/XX/XXXX i was transferred to fraud department and told to leave voice mail and wait for call back

Company response to consumer: Closed with explanation