BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
I am submitting this CFPB Complaint to you today to request once more to delete the fraudulent items you report on my Credit File. I truly appreciate the efoort and time you have spent on removing some of the items I requested for you to remove. But upon inspecting my updated Credit Report, I noticed that some of the items I previously requested to be removed are still being reported on my Credit File. I sent a dispute letter to you last XX/XX/XXXX, requesting that you take another look into my Credit File and have the disputed items removed as soon as possible. Once again, please remove the following items off of my Credit File : 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 These Inaccurate Personal Information are obviously not mine as well as these inquiries are not familiar with me. Under the Fair Credit Reporting Act section 605b, please remove the remaining fraudulent items from my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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:
Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the 2nd of two in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the 3 credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital one changes how they allow you to make credit card payments without warning. They use to allow you to use your debit card as a way to make payments which was instant and hassle free however they got rid of the option of paying with a debit card without warning and now I have to wait 1-3 business days for payments to post which makes manage the money in my bank account annoying because I always have to remember I'm waiting for my payment to capital one to come out. I feel like they did this purely so they could get more interest payments out of me or so I'd have to deal with check bouncing fees associated if I forget I'm wait on the payments to come out my account. It'd be one thing if the payment went immediately into pending status on my bank account but it doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Personal information incorrect

Complaint:
Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NJ
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:
I believe XXXX Equifax and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. 
I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. 
1. Proof of right to own/ collect this alleged debt 2. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware 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 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One has been reporting a late payment on my consumer file with XXXX. XXXX and XXXX Capital One is reporting a late payment every month since XXXX XXXX and. XX/XX/2022 on a closed account which is in violation of my consumer right 15 USC 1681 ( c ) no adverse action shall not be reported 15 USC. 1681 ( s ) 2 Responsibility of Furnishers has violated my right to accurate information 15 USC 1681 ( I ) a 2 how promptness in how notifications should be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Usbank loan number is XXXX for XXXX and XXXX XXXX. We have tried to make payments with a usbank debit card which they will not accept thier on bank card we have made payments via branch night drop and we have made payments via online bill pay with guaranteed delivery dates. Each occurrence they hold or delay posting payments in order to charge late fees. The payment in XXXX posted on XX/XX/XXXX wich is prior to the XX/XX/XXXX late payment date and they still charged a late payment fee. They required that we disclose our race during the application process so they know that we are a minority family so they feel we won't complain when they collect fees unjustly. They are profiling us and this should be against the law

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 2023-03-07
Company: EQUIFAX, INC.
State: MD
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm filing a complaint against Capital One credit card service. Capital One closing my account because of 2 paintings that was returned one for {$400.00} the one for {$480.00}, somehow Access my account and added two Banks make payments when I had one bank account login or link to them these two payments were returned what I notice Capital One telling me that my card is restricted I called him right away they're finding me guilty of these two payments of {$400.00} to {$480.00}, The interesting part of her about this is that they're not listening to me okay and they're finding me guilty of something I didn't do I advised them to check the IP address like other Banks do and like the Federal Reserve told me to tell them to check but they refuse to do that so they close the account and want me to pay my bill when they found me guilty of something that I didn't do they're not believing anything that comes out of their customers mouth and I'm not the only one they're doing this really feel like too what what do. Capital One is not considering my import Capital One is not listening like I said Capital One is 20 mi guilty of those two payments my other bank which is tied in or link to Capital One i where I works XXXX, First payment from that bank was returned because they didn't know I had a Capital One credit card and I didn't inform them that I link accounts to make payments but I made good on it I made the {$130.00} payment which came from that bank XXXX Then I made {$250.00} payment and both come from XXXX Bank with no problems. But this XXXX & XXXX and XXXX  XXXX XXXX I never link it and I had to remove it on my own with my XXXX account, Basically Capital One was breached and someone add a new account leave payments in Capital One is not listening to me like I said and not verify the IP address. Plus, twice my account was unauthorize charge and then there reissued a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX debt was sold to ERC collection company on XX/XX/XXXX. Settlment offer made from ERC to pay {$540.00} and this was paid on XX/XX/XXXX. XXXX was removed by XXXX and has since within the last few months had a balance of XXXX added back on. Trying to figure out what happened I made several calls to attempt to resolve. I finally spoke to XXXX XXXX whom is the Senior Manager at XXXX XXXX office of the president, his employee ID is XXXX. He outright refused to help me but did offer me a settlement to pay the already paid balance at half of the amount owed to make it go away. I paid it and this is unfair to misrepresent a debt being settled then having the original creditor come back around to collect on the balance between the original debt amount and the settlement offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I signed up for a card during the checkout process because I thought it was a membership rewards card, not a credit card, and the clerk was being insistent after I had already declined it several times. It wasn't immediately clear that the " Kohl 's Card '' I was being offered was not just a store membership. I did not realize until after the transaction was complete that I has signed up for a credit card. Right after leaving the store I immediately called the customer service number listed on the card information packet I received with my receipt. I asked to cancel the card application, and was told that the application had already been processed and approved, so it was too late to cancel. 

I did not want or intend to sign up for a credit card. By having the whole application and approval process take place during the checkout process, there is no chance for customers to actually make an informed decision. 

On review of the receipt, it looks like the entire transaction was charged to the credit account that I didn't mean to open- I had my personal credit card inserted in the POS system at the time of checkout and thought I had been paying with that. Now I might owe a balance for a credit card account I didn't even intend to charge to. 

This occurred on XX/XX/2022 around XXXX at the Kohl 's in XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ) My call to customer service was at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and / or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all my information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX, and XXXX XXXX  ( Original Creditor XXXX ) XXXX. Please delete these accounts ASAP. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXXK XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Gamache & Myers P.C. out of XXXX XXXX, Missouri is harassing me for a debt that is not held with them, and they are not reported as a debtor on my credit report. They have served me at my home on XX/XX/XXXX. They have filed a judgment against me in XXXX XXXX, and then on XX/XX/XXXX, they served my former employer with a garnishment of wages and direction to serve person in charge displaying all of my important information such as the last four of my social security number. I feel that my rights have been violated because I do not know who might have received my paperwork. This law firm needs to be investigated for how they conduct business. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX 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. 

XXXX - XXXX, XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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 2023-07-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX  accounts name has violated my right. XXXX XXXX XXXX. XXXX  XXXX XXXX DBA XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the rights 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: ND
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Coinbase, Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
the coinbase wallet does not want to give me my money and I can not pay any of my bills without confirming that my XXXX son asks me every day if they already gave me the money to buy XXXX  it is incredible that a great country such as the United States is happening these things and also that the institutions look the other way when people claim their rights when I arrived in this country I thought I had arrived in a free country with laws but after 7 years I understood that I asked for refuge in the wrong place where it is supposed people have freedom and respect there are only laws but not justice this is one of the many times where I claim my rights and I receive the response of someone who tells you we can't do anything where are the laws where is the respect where is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original creditor is Synchrony Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX XXXX. The amount is {$1600.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX on XX/XX/XXXX and filed a dispute with them. No additional information could be provided. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I never opened this account, nor did I authorize its use. I currently have two other Synchrony accounts in my name that I am in good standing with. One of which was also opened in XXXX and the second was opened 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