BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX creditor were a scam lawsuit exists

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 2022-08-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Submitting a dispute against Experian credit reporting company. Based on their response to my last complaint where they say that I did not identify an issue which I did. They did not investigate my issue it's been submitted for dispute twice second time without my permission and in less than an hour I get a notification and response they do not actually have anybody looking into it so we're going to try to be specific again with Experian overall they should probably look at the uploads on my account for both XXXX and for XXXX and I will submit more documents. 
As far as XXXX my vehicle was stolen they made me purchase gap insurance prior and they claimed that my gap insurance expired and they've been attempting to Collect a debt.. my vehicle was not reported stolen until a week and a half after because they claimed they had repossessed it when in fact they hadn't and they did not know where it was. I had to wait in a week and a half to file a report for the theft and on the day they realized it had been stolen that immediately put it on my credit report as a charge off I'm wondering if experience getting a kickback from XXXX. I will submit legal documents. 
XXXX wireless they stated on my credit report that I paid in settlement. I did not my original bill was {$270.00} I closed my account with XXXX in XX/XX/2022. XXXX claims that they turned my phone 's off and waited till XXXX I have several emails from the company. Asking me to come back asking me for different amounts of money and basically patting the bill I sent this information in to Experian and it was ignored because you don't look at your uploads take them 3 to 5 days to upload so how you can respond or investigated dispute without the proof is absolutely amazing. amount that they claim that I owe I've also submitted that to Experian but you claim you don't have that either when I reached out to XXXX they transferred me to another company and when I attempted to contact them again they automatically transferred me to a debt collection company that they did not inform the credit companies that they had transferred me to the company that they transfer me to nce also did not report that they had the debt and they had added more to the bill for no evident explanation

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 2023-10-14
Company: U.S. BANCORP
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for XXXX credit cards with XXXX XXXX  received a denial based on information in a consumer report which violates Federal Equal Opportunity Act ( Regulation B ) and XXXX XXXX- XXXX XXXX. Principal received no benefit of the collateral security ( Application ) by withholding such principal securities, which is Breach of Contract by company not upholding their fiduciary duty and obligation to the Principal and contract.

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 2023-08-09
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with XXXX XXXX XXXX through XXXX. The structure of my home was recently damaged due to a neighbor / property owners negligence with treating the tree. The tree is dead, and the property owner was notified that the tree was dead prior to the damage to my home. My home is uninhabited and has been for more than a month while I work with my insurer to get the repairs completed. I reached out to NACAs HAND department for help, and the representatives refuse to answer the phone and respond to email attempts. I have called the NACA XXXX Department repeatedly for help, and I have been met with rude and hostile representatives who claim to be too busy to help NACA clients. NACA has refused to help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: FL
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 filing a complaint against Equifax for their continuous violations of several federal laws that are designed to protect consumers like me. These laws include 15 USC 1681 section 602a, which mandates that credit reporting agencies maintain accurate consumer information ; 15 USC 6801, which establishes privacy and security standards for consumer financial information ; 15 USC 1681 section 604a section 2, requiring a reasonable investigation of consumer disputes ; 15 USC 6802 ( b ) ( c ), which demands comprehensive information security programs ; 15 USC 1681C ( a ) ( 5 ), prohibiting the reporting of outdated information ; 15 U.S. Code 1681s2 ( A ) ( 1 ) A, outlining responsibilities in investigating and correcting inaccurate information ; 15 U.S. Code 1681e, requiring accurate reporting of credit information ; and 12 CFR 1016.7, mandating a reasonable investigation of disputes within 30 days. Despite my attempts to address the inaccuracies on my credit report, Equifax has failed to take appropriate action to rectify the situation or comply with these federal laws. I request that the Consumer Financial Protection Bureau conducts a thorough investigation and holds Equifax accountable for their unlawful practices, including the removal of inaccurate information and appropriate penalties for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
credit cards and car insurance opened under my name that wasn't me capital one {$8400.00} debt dated XX/XX/2021 another capital one card for {$600.00} but i have no date on debt XXXX  for {$600.00} also no date on debt I have contacted and reported to capital one on both cards and XXXX  that it was fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/XXXX, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. Only if Experian chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX was created by stealing my information and personal checking account then thats how the XXXX  and XXXX XXXX  became a thing I couldn't do anything to stop it because the numbers for my bank were switched to and they didn't even compensate for any damages, I've been at this for three years and the bank hung up on me and gave me a fake name and XXXX only contacted me the moment I closed my account after three years, and now I end up finding my XXXX  account but the account number and names were changed and the only way to get to the bottom of this would be with my social. And now when I log into XXXX it shows people I've made transactions with but there's no transaction history to support it.ive also talked to XXXX support and I remember one person said they would log the conversation to prove my compliance but main thing is I would appreciate my reports going straight to Experian or any other agency of the three companies.thank you

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 2023-07-26
Company: EQUIFAX, INC.
State: NC
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 account open sky was charged and written off, and is still reporting late on my consumer report, witch is a violation of the fair credit reporting act law. 

Iv contacted the company asking to remove the incorrect information and they have not Iv also ask for a 1099, for proof that the debt was mine and that it had been written off and was never received 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: NH
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/2021, I mailed XXXX copies of certified mail to each of the credit bureaus. As I type this, the date is XX/XX/2021. None of the bureaus have reached back out to me. These inaccurate items on my credit report have harmed my ability to obtain credit. I am in the process of building a business that requires data only internet lines, and XXXX has charged me fees due to these inaccurate marks. I was also denied housing, and have had my credit lines closed or decreased with various companies. I have been denied a pre-approval for a vehicle, and have I used to have great credit until XXXX XXXX XXXX XXXX XXXX XXXX XXXX put these inaccurate, negative marks on my account. Also, these companies are reporting inaccurate late payments to XXXX XXXX. In the case of Equifax, they have my name wrong on one account, and are double reporting 2 late payments twice, so any lender who pulls from Equifax will see 4 late payments to XXXX XXXX, and I was never late, because XXXX XXXX allows for a 15 day grace period before assessing any late fees. 

In the case of XXXX 'XXXX XXXX, they have sent confusing and inaccurate data regarding the amount owed. Please see attached that shows what all 3 credit bureaus are reporting, and what XXXX XXXX XXXX sent me. If I were to pay the {$340.00} in the letter that they claimed that I owe, I would have overpaid what I owed, resulting in financial injury. If I paid the amount that the bureaus claim that I owe, I would have paid less than what XXXX  's claims that I owe. In any event, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXXXXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

In the case of XXXX XXXX XXXX, the bureaus are reporting that I allegedly owe {$6900.00} to XXXX XXXX XXXX. However, according to XXXX & XXXX, they claim that I owe {$6800.00}. As I said previously, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXX & XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

Equifax, XXXX and XXXX are reporting information that is inaccurate, and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: AR
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:
In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate 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 explanation
Consumer complaint received 2023-10-31
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I ordered from XXXX  {$42.00} worth of products. They claim that they ship products within a week 's period of time so I gave them a whole week before reaching out to them with no status update on my package. Approximately XX/XX/XXXX or XXXX I decided to reach out to Chime which is how I paid for my items to dispute this purchase and request a refund but they have denied my dispute XXXX times thus far when I provided them proof that I never received my products nor my refund of {$42.00}. They originally claimed they were a bank and now they are saying they are a financial institution but either way they take too long to investigate disputes and they do not look at documented facts of a legitimate request of a refund that I rightfully deserve from the merchant. I am currently without any products that were canceled due to the dispute and I have not received my money back from the merchant nor this supposed financial institution that has been called a bank to get people to use their services with a checking account a savings account and a routing number that coexist with this so-called financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2021-12-07
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$890.00} on XX/XX/2021. I have no idea where this financing came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged the following items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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