BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
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: Old information reappears or never goes away

Complaint:
This complaint is to inform the CFPB that Equifax is reporting a duplicate account on my credit file. XXXX XXXX account XXXX purchased this account from ThXXXX XXXX XXXX XXXX  and re-agreed the account by four and a half years from the original date.

Reporting two of the same account is a violation. According to the FCRA. And these accounts must be removed from my credit file immediately, Furnisher Duties of Accuracy Under the Fair Credit Reporting Act The stated purpose of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, et seq., is to require consumer reporting agencies ( CRAs ) to adopt reasonable procedures to meet the needs for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the " confidentiality, accuracy, relevancy, and proper utilization '' of such information. The FCRA protects both the privacy of consumer information and sets restrictions not only on CRAs, but also on furnishers and users of reported information to ensure such information is as accurate as possible. This company has repeatedly violated my rights in this regard. But not conducting a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: United Shore Financial Services, LLC
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: Account information incorrect

Complaint:
In my previous CFPB complaint, UWM responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX 2021 and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which UWM rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because UWM 's XXXX  can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, XXXX was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask UMW to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from UWM and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One states that they will assist their customers who are experiencing hardship due to COVID related issues. 
When I contacted the customer care department for help due to a loss of income related to COVID the rep did not offer any solution other than moving my payment out but increasing the amount that would be due and a repeat payment of this higher monthly payment. 
This seemed counterproductive and irrational at resolving my current issue. 
There is XXXX support for those encountering personal impact due to financial crisis resulting from COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX HAS LISTED THIS FRUADULENT ACCOUNT ON MY CREDIT REPORT WHICH IS NOT MINE THIS IS IDENITY THEIF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Original Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


NOTE : XXXX. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a claim for {$3500.00} back in XXXX of 2021. A few days later my claim was denied. I filed a police report and faxed it to Bank of America with a copy of my identification and called BOFA and told them that this was not fair and if I could speak to a XXXX. I spoke to a XXXX and she told me that she was going to reconsider my claim and open it for further investigation. Well its been 11 months and my claim is still pending. I have called Bank of America to check on my status about XXXX times and nothing.

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 monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: AL
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 : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00} ; XXXX  XXXX XXXX : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraud accounts distress my XXXX XXXX. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that tatis a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete this damaging account from my file : 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 2023-09-16
Company: Experian Information Solutions 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:
This account was opened under my name without consent while I have been incarcerated in the bureau of prisons. This account can not be mine as I am incarcerated & have been since 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 2022-11-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citizens bank has been holding my account since XX/XX/2021, and wont let me close it or release the funds. I was told to come into an office and Identify myself. Which I did & funds were not released after that. I have filed reports with the XXXX  and also spoke to reps at the bank and branch. They are holding my account with a freeze, but charging me monthly maintenance fee 's. This has been going on for over a year. Ive also obtained outside legal help with this and been told to follow procedure here. My niece is also on the account with me, and her funds are also in a limbo status

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: Kriya Capital, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from CREDENCE RESOURCE MANAGE on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in the United States since XXXX ( proof attached ), please delete it from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a mortgage and was notified by the lender of this collection account. I called the collection company and informed them that this is not my account. They attempted to verify me and provided the address used located in XXXX Tx which is not my address and is in no way associated with me. They refused to remove the account via phone. I have never done business with, spoken to, rented from, nor have I had any communication with the company for which this debt is owed, XXXX XXXX. This is also impeding on my home purchase process and is affecting my livelihood and credit reports. I need this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Zions Debt Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have sent disputes to this company to verify these accounts reporting on my credit report, no response and the unverifed accounts have not been deleted!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I am unable to get into my account and would like to reopen the dispute with jaexports I was overcharged {$1600.00} from a company and i've been fighting to get my money back. At I provided Navy Federal with documents hoping they'd be able to help me retirieve the funds. They claim was denied so I tried to appeal. Navy Federal wouldn't even try to assist and kept telling me they didn't everything they could and got denied twice. They wouldn't even take the time to appeal and use the additional documents that i acquired and said they would not appeal.i don't seem to understand why they won't appeal or even look at the additional documents provided. not only is this the second time but third time this has happened with no communication what so ever and refuses to even look at documentation. I have provided valid documentation with information as I wasn't the only one dealing with the issue of fraud. I see this company has a lot of issues of resolving fraud claims and doesn't seem to really care at all. I speak with customer service at which they seem like they know absolutely nothing because each time I get provided different answers at which just confuses me more. they say they can't contact the fraud team but when I ask again someone else does contact them and the list goes on. Navy federal makes me not want to bank with them anymore as they dont seem to care for their customers at all and I see again I'm not the only one facing the same issues with this bank. All I want is my money back for the claim filed for the third time on XX/XX/10 confirmation number XXXX in the amount of XXXX. that is all I'm asking. Information is XXXX XXXX and email on the bank account is XXXX. I want my refund / reimbursement for all this trouble As I have provided all documentation to support my fraud case and you all refuse to send me what was used to not accept the case as I have asked multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CIG FINANCIAL LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was contacted by an agent who requested payment on my loan XXXX. I made payment arrangements consisting of XXXX payments of {$420.00} each. I was contacted the following week and advised that arrangements needed to be made on my account. I advised the representative that arrangements had already been made ; we ended the call. 
I received a XXXX call from CIG within the hour asking for payment to which I advised that an arrangement had already been set. I received a XXXX call appx XXXX hours later from CIG requesting payment to which I advised arrangements were set. 

On the XXXX of XXXX CIG accessed an account from a XXXX party without authorization and stole {$850.00} to apply to my account. The 3rd party used their information to make a one time payment on my accounts months prior. The 3rd party contacted me to advise that {$850.00} dollars was stolen from her account by CIG and demanded the return of the funds immediately. 

I contacted CIG and spoke to a supervisor who reviewed notes, information, and calls regarding the payment arrangement in the early morning hours, It was confirmed that the payment for {$850.00} was taken without authorization. I advised the supervisor that I would call back after I spoke to the 3rd party to calm her down and to make arrangements to give her {$850.00} to prevent her account from accruing fees. 
Upon calling the supervisor back, I was advised that he would delete the payment method ( the stolen account information ) and set-up a call for Monday to 'see what happened '. The supervisor also provided XXXX methods of having the stolen funds returned immediately : : he could return via the system which would take up to XXXX business days or the 3rd party could handle through her bank. I opted for the return of the funds within 7 days having already made arrangements to give the 3rd party {$850.00}. 

The reason for the complaint is that XXXX XXXX threatened to repossess my vehicle. I was unaware that the account was delinquent and still waiting for communication with the company as they failed to return the stolen {$850.00}. I was reviewing the account with a representative when XXXX XXXX took over the call and repeatedly threatened to repossess my vehicle. I disconnected the call and called CIG back 3 times because the calls continued to go to XXXX XXXX. 
The 3rd party rejected the payment through her bank after 14 days of not getting her money back. 

There was unlawful activity and a number of FDCPA violations committed by CIG from XXXX XX/XX/22 to which I'm filing a formal complaint. I'm asking for compensation for each unlawful act and FDCPA violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have request that my name be updated on the Credit Bureaus, as per my ID info. I have never gone by any other name outside of XXXX XXXX, XXXX. XXXX has XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
Experian added XXXX XXXX, XXXX. 
I asked that the following addresses be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Also The following Collection companies as I don't owe them anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( alXXXX XXXX  Bureaus ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all XXXX  Bureaus )

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