BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a call from my mother this morning stating that she had received a call on HER cell phone from a woman asking for me. 

My mother advised me that when she answered her phone from the number XXXX showing a name of XXXX XXXX, she assumed it was a normal call. However, when the woman on the other end asked for me, my mother never provided her a name and asked who was calling. 

The woman on the other end stated her name and then told her she was calling from Capio Partners and told her that the call was an attempt to collect a debt and so on and so forth.

My mother immediately stopped her and advised her that she never told her who she was and that she was releasing personal information on someone else 's account that was not her own which is AGAINST The law! The woman on the other end of the phone said that it is not and she can provide the information. 

My mother then told her that she previously worked for a debt collection company and she knows for a fact that she CAN NOT provide her the mini XXXX and advised that she is calling about a debt if it has not been confirmed that she is not speaking with the debtor. The woman then became combative and would not disconnect the call. My mother then let her know that she will be filing a complaint. 

This creditor violated my personal rights! If that call would have been answered by someone else A STRANGER even, my personal information would be someone else 's knowledge! this agency needs to take accountability for their agents mistake! 

I am well aware of my rights and I want to request that Capio Partners pay me the fine amount due for releasing my personal details. 

Please review and ensure that I am compensated appropriately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
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:
SEE ATTACHMENT!!!!!! I HAVE ALREADY SUBMITTED THIS BEFORE AND STILL EQUIFAX HASNT DELETED THE FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-06-20
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX  XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Yes Good day I spoken to capital one last weekXX/XX/XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX  etc. 1 ) I was asking to trouble shoot on line to change myo password., But it didn't work2 ) then I call to compaint about this and they will try, didn't work. I wanted to update my information. There weren't helping on line technical problems toward me. They're never charge anyone, any over the limit fee or late fee. 3 ) Well they change my due date screw up without telling me. I call them to fix it to change my date again it take 1 or 2 months. Well they kept XXXX  my acct with late fee .this is harassment. My XXXX XXXX has arose. They try to remove some late fee but now I can't use on line to change my password.so when I got a change to call they refuse to help me on line. And they couldn't send me a text with my new number and. they're lazy to remove my old numbers when I was changing in the past. Text was unsuccessful nobody trouble shoot it. Wasting my time.again all phone if it has texts option it should work period. No explanation again.again my acct is over the limit because of them and them sabotaging my acct, harassing me. Now there asking to send if by mail not going to do this. So they can say I didn't get it.I always did a change on line with using my cvc codeof back of credit card to change password. We can't have businesses who are hurting us consumers meanwhile there making money. They need to fix on line changes using cvc code again.i like to have 2password one for date of birth and social security.so I can have a peace of mind and security on my side not for then for my nearby neighbors, stranger on phone listening to me talk..there phone line don't offer security on phone against outside criminal listening. I demand 2password to be verified .when we all have stress free verifying with better option. They Need to fix trouble shoot on line change of password. So now they added extras charges .never had sent me no letter about change of my payment. I will pay on the XXXX. Again.thank you for helping all depend password s over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made a purchase at XXXX 's XXXX on XX/XX/2023. I used Affirm which is a buy now pay later installment loan service. The item was delivered on XX/XX/2023. We immediately noticed something wrong with the chair. We tried to get a refund from the store and they did not want to do that so we filed a dispute with Affirm to not have to pay the loan on a damaged/defective item. Then the customer service manager of XXXX 's called us and agreed to a full refund and to pick up the item. The item was picked up from my home on XX/XX/2023. A full refund was processed to Affirm, the original form of payment on XX/XX/2023. Affirm still says I owe the loan, they closed the dispute and they will not give me a refund. I have spoken to their customer service many times. I have uploaded to their portal and emailed to customer service the receipts from XXXX 's proving the item was picked up and refunded. Affirm said their decision is final. They can not charge people for items that were returned. It is a lot of money {$2100.00} and now they are charging accrued interest and saying I have a balance of {$2.00}, XXXX. Affirm is claiming I need to get the refund from the store. The store is saying they gave me a receipt and to deal with Affirm. I am stuck in the middle. Unfortunately after some deep interest searching Affirm is known for this and holding up refunds for many consumers. I think an investigation into their practices is necessary to protect people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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 XXXX XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : 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 2023-05-22
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:
You are in Direct Violation of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXXXXXX Acct : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A : Clearly states that 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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
not listening as there is many faults to the purchase of my home as i believe in fraud. As in a XXXX indebtness on house that was not told about or aware as in property survay that is correct and was from a website instead of title company itself. There is three property descriptions with with three different county and names descirbed and much much more.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
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'm writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2023-06-20
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2021-09-04
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:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Beginning on XX/XX/XXXX, I started receiving calls from a company, XXXX XXXX, who indicated that they were calling to collect on a debt that I owed with Check n ' Go from XXXX ; 4 years ago. I explained to them that I never took out a loan. The address that they had for me was incorrect. I explained to them that I would need to file a stolen identification complaint with the government, as well as contact all of the three credit reporting agencies, which would take some time. However, I told them that I would pay the loan but that I would need to take a loan out of my 401k. I explained to her that it would take 10-14 days to complete this task. She repeatedly called me every day and began harassing me at work. She even contacted my human resource manager today XXXX XX/XX/XXXX XXXX that said that they were garnishing my wages. I have never been served with any correspondence, lawsuit, or emails, which they state they have forwarded to me. I received confirmation from my 401k company that the check was mailed to me on XX/XX/XXXX. However, they continued to harass me at work, calling several times a day and threatened to " come to my employer and take action. '' This occurred every day beginning XX/XX/XXXX. I attempted to contact them again today, XX/XX/XXXX, to make arrangements. On today 's date, XX/XX/XXXX, I told them that I would pay the debt, but would need something in writing before I did that. They told me that they verified my employment and they did not need to speak to me anymore and hung up the phone. The same person continued to call on a daily basis, but was calling from a different number every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I spoke with the District manager and went over a balance that was showing on my credit report the district manager informed me that fees occurred on the account after it charged off but refused to give me an itemized invoice showing me how much inches was occurring on the on the account when it when it charged off I have asked several times for them to give me an itemized invoice of my of my choice of loan and the balance which included their interest and fees that theyre stating it is possible that they are trying to combine an old account that was bought that was purchased from them from another lender that I am currently in dispute with. Furthermore I do not believe it is fail or should be legal for a loan company to charge interest on a charged off account and refuse to give me a statement showing the amount. This account has been charged off since 2018 and now their stating interest has accrued

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX, Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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