BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: DE
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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/2021. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts that are still reporting on my Credit Report and need to remove pronto : XXXXXXXX XXXX XXXXXXXX-Balance {$0.00} DEPT OF ED/XXXX-Balance $ XXXX Opened : XX/XX/XXXX, XXXX-Original amount {$2700.00} DEPT OF ED/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX, XXXXOriginal amount {$3000.00} DEPT OF ED/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX, XXXX-Original amount {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023, I mailed out a dispute letter to Capital One about the company sharing my nonpublic personal information. According to 15 USC 6801 ( a ) requires financial institutions to notify consumers of their information-sharing practices and provide for a right to opt out of certain sharing. Capital One never gave me any opportunity to opt out they furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ). Under 15 USC 6809 ( 5 ) nonaffiliated third party means any entity that is not an affiliate of or related by common ownership or affiliated by corporate control with the financial institution but does not include a joint employee of such institution. 
XXXX, XXXX XXXX XXXX are nonaffiliated third parties, and Capital One has violated the provision of 15 USC 6802. In if Capital One admits that XXXX, XXXX XXXX XXXX is affiliated they have violated the Fair Credit Reporting Act. Therefore, Capital One has not only infringed my right to privacy but also violated multiple Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Incomm Holdings Inc.
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a Vanilla gift card for {$100.00}. It wouldnt work when trying to make a purchase at the store ( XXXX ). I noticed the front of the card only contains the first 7 digits of the card number. The back of the card does not contain a security code, either. 

When I contacted Vanilla customer service, they gave me a claim XXXX XXXXXXXX, but said I must submit the original packaging, the receipt, a color copy of my drivers license, and a copy of the gift card, front/back. I no longer have the packaging or receipt, however. The packaging was intact when I received it. The customer service operator said unless I provide all of these things, the issue could not be resolved. I asked to speak to a supervisor and was told they would just tell me the same thing. 

When I researched this issue online, I noticed other Vanilla gift card recipients with the same exact issue, with one person filing this same type of claim with cfpb, which indicates to me this company has some sort of internal problem, perhaps during the manufacturing process? 

Please help me resolve. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During the time of XXXX XXXX 2013, Senex Service open a file for XXXX XXXX Medical Center. My complaint is due to the fact that I was XXXX I never received any notice to collect any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: MO
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:
On the months, of XXXX, XXXX, and XXXX of year 2023  I sent over a verification letter to Equifax Credit Berau. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This Bankruptcy account is NOT IN COMPLIANT with the consumer laws, and its reporting incomplete, misleading, inconsistent and erroneous information and therefore it CAN NOT be verified. 

Here is some of the reasons that it shouldnt be reported and de DELETED from my credit report effective ASAP : Addtl see the screenshot errors below! 

Bankruptcy filing date is wrong. DELETE!!!! 
There are 3 different filing dates. DELETE!!!!

Court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). DELETE!!!! Remove immediately. 
I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this. DELETE!!!! 
Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? DELETE!!!! 
I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed. DELETE!!!! 
You have the wrong docket number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: TX
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. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX  XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX- Account Number : XXXX XXXX XXXX- Account Number : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Account Number : XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX- Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX- Account Number : XXXX XXXX-Account Number : XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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.

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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe 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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
For all three credit bureaus, my 8 active loans with XXXX XXXX XXXX/XXXX are reporting as 90 days late for the month of XX/XX/2018. Previously, the accounts were showing as late for XX/XX/XXXX, XX/XX/XXXX as well, however the bureaus received receipt of my deferment and updates the information. The inaccuracy is that my deferment has been effective since XX/XX/2018, therefore no single account should have any late payment history as no payments are due when the account is in deferment. When contacting the credit bureaus, the response I get is that XXXX has to update the information. When contacting XXXX, I am told that the bureaus can see the date effective on the deferment and should update my reports accordingly.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: TN
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 a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A case manager from this company called and left voicemails for 4 people in my family leaving rude voicemails for the ones that didn't answer and rudely talking to my aunt who unfortunately did answer. I called the number they all gave me to figure out why they called my family. Well when I get on the phone with said case manager at XXXX I ask why he contacted 4 people in my family he then proceeds to yell loudly at me and call me and my family a liar even though my little sister who lives with me played the voicemail on her phone not 10 minutes before. These people are rude and obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: United Shore Financial Services, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since UWM began servicing my loan, every year I received past due tax notices from the city. This year I received one and went through the normal process of submitting the bill. UWM received this and said they would look into it. Over a month later I received another notice from the city stating if I dont pay the balance ( over $ XXXX ) it will goto a tax sale in XXXX. I pay every month and UWM is supposed to handle paying my taxes through escrow. Now they are not handling it even after making a complaint about it. When I call they tell me I need to submit the form online, but that didnt fix the problem. 
Loan servicer is United Wholesale Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2023 XXXX XXXX XXXX USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Re : XXXX FACULTY PRACTICE GROUP REF # XXXX USCB AMERICA I am responding to your notice about collecting a debt. You contacted me by XXXX MAIL and did not address a date you endorsed the notice. You did however demand a response by XX/XX/2023 and XX/XX/2023. Please be advised I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make all other communication with me with via email listed above. 

I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: SANTANDER HOLDINGS USA, 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: Investigation took more than 30 days

Complaint:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
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:
After many many times explaining to Experian and speaking with the special handling department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.

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 2019-02-15
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sallie Mae has been harassing myself and my co-signer with phone calls all day, on our cell phones and work phones. Yesterday I received 5!! Co-signer got 6. Its all day long. Getting in trouble at work for our phone continuously going off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Amount {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions 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:
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. 

1

5 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 explanation
Consumer complaint received 2021-06-29
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
After carefully reviewing my credit report, I noticed a few inquiries and account that I have never authorized. I have heard that sometimes bureaus making mistakes or sometimes its about Identity theft and somebody used my personal information. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires and account. 
Please validate this information with these companies and provide me with copies of any 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 and account be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX is past the Statute of Limitations in Nevada where I received the debt. I no longer owe this and it needs to be removed off of my credit report. I have been trying for some time to get it removed and nothing has been done.

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 2019-02-15
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:
I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { Experian } I  was told by the FTC to explain this to XXXX with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX XX/XX/2011. 

XXXX denied me two without verify of my identification theft, disgrace.

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