BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed various transactions with Capital One due to misleading cryptocurrency fraud. Capital One declined my claim stating they did not find any errors. I provided social media message exchanges as well as transaction receipts. The following dates and transactions are what I am disputing : XX/XX/22 {$150.00} XX/XX/22 {$100.00} XX/XX/22 {$52.00} XX/XX/22 {$73.00} XX/XX/22 {$62.00} XX/XX/22 {$110.00} XX/XX/22 {$360.00} XX/XX/22 {$340.00} XX/XX/22 {$150.00} XX/XX/22 {$310.00} XX/XX/22 {$180.00} XX/XX/22 {$100.00} XX/XX/22 {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a message on XXXX from XXXX XXXX, XXXX Staffing ( P : XXXX / XXXX : XXXX ) about a part-time opportunity and if I had an interest to submit my application via the link that she provided which opened up to an application via XXXX XXXX and had a contact number of XXXX XXXX XXXX XXXX. I signed up after reviewing the XXXX XXXX opportunity and I sent her a reply letting her know and thanking her. On XX/XX/XXXX I received an acceptance response to my application from XXXX XXXX, Recuiting Dept|Mystery Shopping at XXXX ( XXXX ). I accepted the employment opportunity on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX notified me of my first survey assignment and said a check would be coming to me and provided instructions. I completed the survey assignment and sent in the feedback form and purchased the gifts cards from XXXX for what I believed would be for a XXXX XXXX XXXX project. I sent him proof of purchase of the gift cards as he requested. The next day after he informed me of my proper management of the assignment he send he a request to get a {$10.00} bank cashiers check that I should make payable to myself and send him a copy of the check. I found that strange and so I did some additional digging around to see if my suspicion was correct. I sent emails via XXXX XXXX to employees at XXXX XXXX and I went on XXXX XXXX website and submitted an inquiry. I received a reply message from XXXX XXXX, Senior Sales Consutant ( P : XXXX ) at XXXX XXXX letting me know that I had been defrauded. XXXX looped in XXXX XXXX, XXXX Lead at XXXX XXXX and she contacted me to let me know what has been going on and that the number of incidents have dramatically increased in the past month. The bank was closed for XXXX XXXX so I had to wait until the next morning to go into a branch. I alerted my bank, CapitalOne, first thing in the morning. The had not flagged the check. They locked my accounts and my mothers accounts because my name is on her accounts. I am doing everything I can do to move this investigation along and the bank is not being responsive. I have not even spoken to the investigator as yet The bank wants to hold me liable and end my banking relationship without having investigated and review all the documents I have provided, also attached. I don't have the means to shoulder this lost. My account clearly shows that. I had this account for almost 20 years. I have been to the police station 3 times at the various directions of the bank security agents that I have spoken with, I made calls to the company that is being used in this fraud, I have filed a case with the FTC and XXXX XXXX XXXX, I have reached out to XXXX XXXX and submitted a case so that they can start an investigation. I am doing everything I can. I need your help, please. I feel as though I am being victimized twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 2022-03-23
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXXXXXX 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 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In my relentless pursuit to rectify this situation for the XXXX time, I must emphasize that this constitutes my XXXX effort to address the persisting issue. Despite my XXXX requests, EQUIFAX has consistently barred my access to my personal credit report, adamantly withholding any information regarding my credit history. Enclosed herewith are supporting documents, encompassing a duplicate of the XXXX I dispatched to the credit bureau and copies of my personal identification. Please assist me regarding this issue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2018-04-12
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
XXXX XXXX ( Walmart Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XXXX XXXX responded with a document showing that they NEVER received payment from me since XX/XX/XXXX ( please see attached document showing them saying I never paid ). 
I have made payments to Walmart in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( Please see attached documentation as proof ). 
Furthermore, the noted on my credit reports that the account was closed in XX/XX/XXXX, when the account was closed in 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 2021-01-08
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove the fraud account ASAP!

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 2022-10-04
Company: Experian Information Solutions Inc.
State: LA
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:
I have recently disputed derogatory and inaccurate accounts of public records information on my credit report to which Experian continue to respond with such items being verified by the furnisher. I have requested several times that Experian provide me with their verification method, only to be met with resistance and that I should contact the furnisher where such information would be stored. I have contacted the Bankruptcy Courts, to which the Bankruptcy Court responded : The Bankruptcy Court does not report information to the Credit Bureaus and can not remove information from the credit files. I have since then contacted the third-party furnisher XXXX XXXX to dispute the derogatory public information items, which have been removed from my public records. XXXX automatically removed the disputed public records information from my credit report, which concludes that XXXX and Experian are in direct violation of my consumer protection rights, according to the FCRA. Under the Fair Credit Reporting Act, nothing is mentioned in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law, and a claim filed may never have been adjudicated. Therefore, Experian has no right to maintain information that the government has deemed nonexistent. I am also seeking a consumer protection attorney to assist with litigation, and I would much rather avoid a timely and costly legal matter. In the attached documents, you will find : Dispute Letter XXXX  Complaint Details Correspondence from my local Attorney General Copy of the Bankruptcy XXXX response XXXX XXXX : Results of Reinvestigation XXXX item ( XXXX ) deletion report Method of Verification Letter XXXX Order of Dismissal ( 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 2023-10-20
Company: EQUIFAX, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-09-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX  Navy federal withdrew {$510.00} from my checking account to satisfy and payment in which my mother owed on her credit card. I called in to release my paycheck and only agreed to make a loan payment on my vehicle which is financed through NFCU. I received a notification that additional money was taken out and questioned the representative and she stated it was for a credit card which is not mine. I spent a total of 4 hours on the phone trying to get my money back and still have no resolution. I never gave authorization for the payment to be made and asked multiple times for the call to be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-01-08
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020, we refinanced our VA mortgage loan. The broker who wrote the loan immediately sold the loan to Freedom Mortgage. We had the loan set up for automatic debits on the first of each month. The payments were automatically debited as agreed until XXXX when unbeknown to us Freedom stopped debiting the monthly payments. We learned of this in mid-XXXX when we received a statement noting a " Bankruptcy Notice. '' We have NEVER declared bankruptcy and were stunned. After a considerable amount of effort and being repeatedly told by Freedom they could not discuss the matter, we spoke with someone at Freedom who shared the details of the bankruptcy filing. The names did not match ours, the address did not match ours ( it was in another state ), the Social Security numbers did not match, and the loan number did not match. Despite all of these irregularities, someone at Freedom chose to put the erroneous information into our file and report the fraudulent bankruptcy to the credit reporting agencies. Our credit rating plummeted. And Freedom marked our account as " delinquent. '' They keep taking payment information over the phone but never processing it through our bank, deleted the automatic debit information, and refuse to reinstate it, continue to list our account as delinquent even though they have what they need to receive payment, and refuse to correct the erroneous information conveyed to the credit reporting agencies.

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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly ( 120 ) days late on the XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2022-10-04
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : 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 2022-10-04
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:
This is related to manufacturer defective cracked broken chair I purchased Complaint # XXXX XXXX XXXX I have asked for a replacemnt chair or refund credit of chair and I will buy another Easier for merchant to replace if he wants Complaint says this will be resolved XX/XX/XXXX I have received no info from Capital as to replacement or refund. 

Please let me know status and email me when letter in cfpb as I do not get notice that purchaser responded to my request Let me know why XX/XX/XXXX no word on replacement

Company response to consumer: Closed with explanation