BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
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 am disputing an account that I do not recognize and it is in Charge Off by XXXX XXXX XXXX opened on XXXX for a credit card for a total amount of XXXX dollars. I have called and sent more than 3 letters to the creditor during the last 2 months since I do not recognize this information. It does not belong to me. 
My social security was just provided about 12 months ago and I need this information removed from my credit report as it is affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding unauthorized and unknown inquires on my credit report. More than 45 days later, I have not received a response. I feel as though my disputes are being ignored. Section 611A states that failure to investigate these items within 30days gives reason to immediately remove these items from my credit report. I demand that these inquiries be deleted immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the equifax data and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Us Auto and Financing closed down. A month later I started receiving emails stating Westlake is where i need to pay. they sent me a letter stating that i can file dispute on the total amount of my car because it was not the right amount due to us auto. I SENT THE LETTER BACK I DIDNT HEAR ANY THING FOR XXXX MONTHS. I GET XXXX XXXX STATING THAT I OWE {$50.00}. I get another email stating i owe {$1000.00}. I called Westlake portfolio. I explained how I sent the dispute letter in. The representatives told me to wait until the processing was over and he didn't know how long it can take. i asked was my car going to get reprocess he stated to me no. 1 month goes by and my car is reprocessed. they are stating i pay {$2000.00} to get m car back. They agreed to letting me pay / {$1000.00}. ii still haven't gotten my car back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am requesting the Capital One Account # XXXX listed on my Credit report with a balance of {$26000.00} be REMOVED because its being reported inaccurately. 
On XX/XX/XXXX Capital One was informed that the named vehicle/account was surrendered to them and at that time my Attorney requested proof of claim and also requested applications, contracts, pay history and Capital One failed to provide ( EXHIBIT A ) On XX/XX/2018 a signed AFFIDAVIT was issued to Capital One advising them of my SWORN STATEMENT that I in fact surrendered the AUTO to Capital One wrecker service XXXX  who was working on Capital One behalf. ( EXHIBIT B ) On XX/XX/2018 Judge XXXX XXXX XXXX freed me from this debt of {$29000.00} with Capital One because it was proven that I surrendered this automobile as instructed within my bankruptcy at the time. 
( EXHIBIT C ) Capital One stated that XXXX was in possession of car and that they received a call from XXXX stating the car was in a shop and if they did not pick it up after a certain time they would keep the car and sell it, CAPITAL ONE ALLOWED THE CAR TO BE SOLD OR KEPT BY XXXX!! 
BY LAW THE BALANCE SHOULD NOT BE {$29000.00} IF THE CAR WAS SOLD OR GIVEN TO XXXX PER CAPITAL ONE APPROVAL. I SHOULD HAVE A DEFICIENCY BALANCE WITH FEES AFTER THE TRANSACTION NOT THE FULL PRICE OF THE CAR UNDER THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), I DEMAND THAT THE FOLLOWING ITEM IN MY CREDIT REPORT BE REMOVED. 
Capital One Account # XXXX I have attached the proof ( EXHIBIT A-C ) that the above items are inaccurate for your review. 
Under the FCRA you must get these items removed within 30 days of receipt of this letter, to avoid violation of the law. 
Please notify me of the changes and forward me an updated copy of my credit report to reflect changes UNDER THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), I DEMAND THAT THE FOLLOWING ITEM IN MY CREDIT REPORT BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX XXXX  You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  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 this late payment and update the account immediately as u 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 2021-07-31
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Reported me 30 days late within the same month the bill was due and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Mountain Run Solutions, LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections company does not provide information of this account and put it on my credit i have never had a bad account and I dont know whats this about, collection company not provided anything to support the fraud they are making. They dont answer the letters send to the trabking num XXXX Company can not even provied a licence to collect in my state and refused to erased this from my credit report which they cant even prove it is mine.collection company has never contact me they went direct to a credit beauro to damage my perfect file of many years. 
How can XXXX  continue to say this is mine if they dont have proof to support this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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 second 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 alleged fraud or extortion 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 non-monetary relief
Consumer complaint received 2023-06-02
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 am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.

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: GA
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:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I was awoken to several emails from XXXX XXXX, XXXX, Bank of XXXX, and XXXX that noted a Credit Report/Hard Pull was blocked due to there being a freeze on my account. I am in the process of refinancing my home and have been undergoing this process for greater than 120 days. I had an initial credit report pulled at the start of my refinancing and now without my permission- Hunting Bank has pulled my credit report ( s ) again. Under the Fair Credit Reporting Act I feel like I was lied too, taken advantaged of, and Huntington bank has offered no means to correct there action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX  account # XXXX ), has violated several of my rights.

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency Conor 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 this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Capital Accounts, LLC
State: VA
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:
Ive received several hateful and abusive calls from a collector, when I haven't had any knowledge of this account. They have already taken payments from me but I followed steps on the federal trade commissions page to submit a report for fraudulent debt collectors. I'm concerned because this company doesn't match any company names, or addresses online as the Email they sent me. I think this is a wrongful debt, and they've threatened to take lien of my bank account and sought legal action saying they will find me & they will do what they need to, to get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: TX
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:
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 Under the Fair Credit Reporting Act conversion Account numbers has violated my rights.

Per 15 USC 1681 SECTION 602 A, it states that I as a consumer have the right to privacy when it comes to my credit report. These Account numbers are violating my rights to privacy.

Per USC 1681 SECTION 604 A section 2, also states that I have the right to not have my information published with my consent or my written instructions, and I as a consumer have not given any credit report that right to published my information by oral or written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: OH
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:
The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
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.

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.

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 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX by car that was financed by Captial One was totaled, my insurance paid majority of the balance, and rest was covered by GAP insurance I have purchased through my dealership. On XX/XX/XXXX Capital One withdraw another monthly payment. I have called them back and requested this payment to be credited to me due to the fact that car is totaled and insurances are covering by balance. Capital One returned this payment on the same day. I have provided them with my GAP insurance information and contacted GAP insurance to expedite payment. In XX/XX/XXXX I have received a letter form Capital One stating that there is still an unpaid balance due. I called them on the same date and learned that GAP have not issued full payment just partial. I have contacted GAP and got conformation that they will issue a payment ( delay was caused by a dealership ). I have not heard form Capital One since then, until l in XX/XX/XXXX they reported my account as negative. I have contacted the several time trying to reason with them, offered to make a payment and asked then to remove negative reporting since they have willingly returned my payment in XX/XX/XXXX. They were not helpful and not honest stating that I broke contract and stopped my payments without them agreeing to it. 

As a consumer we are not protected and at the full mercy of this companies. i am asking you to investigate and correct this situation. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The government paid the full year of rent to these people due to COVID-19 pandemic assistance and they then served me paperwork to have my family evicted right after because they were planning on having that apartment updated even before we moved in. But the corporate office gave us a deal for that apartment instead. I went to the court house and signed papers to move out and not owe any money for anything pertaining to this property. And if they had any problems they were to contact my insurance company that they have us all get. The head office in California sent me a letter of recommendation letting people know that I did lived there and owe no money, along with XXXX XXXX XXXX house, and the XXXX XXXX XXXX. This all took place in XX/XX/2021. All documents are in the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Mercari, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. The email I used for my Mercari account is XXXX. 
I ordered a monitor off of Mercari, a selling website where people can make listings for items. I ordered a monitor that I confused with another model, and this person 's particular page didn't have the exact specifications of the monitor, so no details about resolutions, or if their internal features were working, it was just listed as working as a whole. It said on their selling page that it would come with its mounting stand. 

I received this package and it came without its mounting stand, and a defective XXXX module inside of it, not letting me use a proper feature of the monitor without messing up the imagery on the screen. I promptly contacted Mercari for a refund because this was not what I was expecting, and they asked for pictures of the monitor which I gave them. They then said there was nothing they could do and refused to give me my money back, and marked the purchase as complete and the return was denied. I need that money for my tuition. The monitor was {$410.00}, the warranty purchased alongside that was {$29.00}, both purchases were made on XX/XX/2022. The item ID for the monitor is XXXX. 

Please help me. I need my money back for college. Mercari is refusing to give me any compensation for it and I have a monitor I can't use now. The seller wants to accept my return but Mercari doesn't want to accept it. Please please help me.

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