BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
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: Investigation took more than 30 days

Complaint:
I reached out to Equifax via certified Mail of the listed account. It has been longer than 30 days and I still have not heard back from them. I will attach the letter I sent and proof of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CIBC BANCORP USA INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm trying to find the source of an ACH transfer made to my checking account from CIBC bank to XXXX bank. Each bank says the other bank has the information and is responsible. I have made three calls to each bank and received no satisfaction. I want to know who has access to my checking account and who gave them access. It seems to me a simple request and information I should have. Neither bank was cooperative. For me, the amount was considerable, {$1600.00}. I don't want the same source to begin withdrawals from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: MS
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:
XX/XX/2023 I see a account on from XXXX XXXX XXXX that's not mine it's a fraudulent account an shouldn't be on my credit report for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 2021

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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been with Capital One for over 7 years. Never have they treated me so poorly or cared so less about my problems. I was scammed before I could verify an account to pay my credit card, so my account was put on hold. I was informed I have to provide the information to that account that was to be used to pay my CC but being scammed there is no paperwork.. no information to give Capital One. Capital One informed me that I will have to keep paying on my credit card untill I provide the non-existent information, which I CAN NOT because I was scammed. Capital One does not help people who are scammed therefore my credit will never be fixed and this credit card will be on hold my whole life is what I was told today by supervisor XXXX. There is no help just limbo. I have called multiple times, talked to multiple people including other supervisors and they literally say the same thing. " We can not help you unless you provide the information that is needed. '' I WAS SCAMMED! I always pay my bill, infact I love my Capital One card but this information that is " needed '' doesn't exist. I have XXXX kids that depend on me and one bad issue that a well renowned company won't help me with. I need this fixed so I can go on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A man from XXXX supposedly contacted me and said that my account has been compromised and I needed to move money from my chime account into another account. He gave me an email to transfer the money. Ive never experienced this before, and he had all of my information and everything, so I am willingly transferred out {$260.00} to a email for XXXX XXXX and they completely swiped my account in Chime so too bad they were XXXX and Im so upset because that was my XXXX money but I wonder if theres anything anyone can do probably not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXXy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXX FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} XXXX XXXX  account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX  account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$24000.00} XXXX XXXX. {$25000.00}

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 non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: LA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-24
Company: EQUIFAX, INC.
State: OH
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:
I have paid off my credit card with XXXX XXXX XXXX and they agreed to delete it off of my credit report and they are still reporting it and have not removed it. This account has been on my credit since XX/XX/2016 and I would like it deleted as it was paid and the company agreed to delete it, Instead they marked it as a paid charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: OH
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:
I HAVE PREVIOUSLY DISPUTED Account XXXX an alleged bankruptcy WITH YOU. AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER ; THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: Mr. Cooper Group Inc.
State: VA
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:
Hello, In XX/XX/XXXX, my monthly mortgage payment increased. That change was only communicated to me through mail, I never received an email or push notification from Mr. Cooper of this change. 

When that letter was mailed, we had moved and my new address wasn't updated. So I never received the notice. 

Each month, I've made monthly payments on time in the amount of the old payment amount. ( I can share XX/XX/XXXX- XXXX of XXXX proof of payment transactions to Mr. Cooper for the loan amount. ) This XXXX, the XXXX  between my new payment and old payment reconciled, and it was reported as a delinquency to the credit bureaus and is now on my credit report as a mortgage late. This has significantly damaged my credit. 

This needs to be removed immediately. My mortgage is current, was never late and this has negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was add to my Credit Reports without any knowledge or proof of debt. I have no knowledge of this account. My account is current with XXXX XXXX and there is no way this debt collector should even have permission to report a debt without no validation. Delete and remove this account immediately. My next step is to sue AMSHER COLLECTION SERVICES for misleading information and making my credit score drop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TD BANK US HOLDING COMPANY
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: Was not notified of investigation status or results

Complaint:
Not sure where to start with this. I am having problems with Target XXXX XXXX. I have try paying my bill online and for some reason they have block me which I find very odd. Why? I did call them over this and ask them why they didnt call me they said they has a phone number with XXXX area code on file again which is odd I have never had a XXXX area code number I live in the XXXX and I have had the same number for many many years. Here the thing are about that Target has call me before so why now do they have different number and cant get a hold me? When I call they cant ever tell me why they have the wrong number or why they have a late payment for when their system was down and not working not my fault I couldnt make the payment. Everything about my account is wrong now all because of their system bein down and they are unwilling to help me or fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This company refuses to remove or update their credit reporting entry on my Transunion credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that it was charged off as a bad debt when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. Also, they didn't report this account as being closed until three months after I had filed my bankruptcy, which means that they continued to keep on reporting my account as making late or no payments for three more months after the bankruptcy was filed thus harming my credit even more. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with Transunion and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on Transunion. This is the credit report entry they currently have on Transunion : Remarks Charged off as bad debt Dispute resolved ; reported by grantor

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-31
Company: SYNCHRONY FINANCIAL
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:
PayPal Credit XXXX ID # XXXX On XX/XX/22 via XXXX {$300.00} was sent to " XXXX XXXX '' for merchandise ( vitamins ). Never received, he provided a fake XXXX tracking number through a fake XXXX website. I repeatedly asked for return of funds and " XXXX '' failed to respond or said, " he would look into it. '' No items received to date. No responses from : " XXXX XXXX ''. 
XXXX refuses to provide information on XXXX XXXX and refuses return of funds. 
XXXX is contributing to this criminal activity, and I was told by XXXX that I am not only victim, but they ( XXXX ) refuse to investigate and return my funds. XXXX refuses to provide details on XXXX XXXX 's account so that I may peruse legal action.

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 2023-11-23
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:
My credit report lists a collection account reported by XXXX XXXX for {$1400.00} with an Original Creditor Name XXXX XXXX XXXX. I never heard of XXXX XXXX and I never had any contact with XXXX XXXX nor XXXX XXXX. This is not my account and it must be someone elses. Kindly permanently delete this account from my credit report and immediately and permanently mark the account as Disputed By Consumer as required by the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: WELLS FARGO & COMPANY
State: MA
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 was shocked when I reviewed my credit report and found late payment on XX/XX/2018. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2023-11-23
Company: EQUIFAX, INC.
State: TX
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Fundo LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed {$1200.00} from this company but only received {$1000.00}. Ive paid back {$1400.00} as noted in the contract and now the company wants an additional {$5000.00}. Additionally the company went as far as writing a fraudulent check in my name and forged my signature in an attempt to withdraw more money. They have also file a XXXX against me and are still attempting to take more money after.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CL Holdings LLC
State: FL
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:
I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act convergent account # Jefferson capital syst # XXXX XXXX XXXX XXXX # Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is attempting to collect wrong information I been contacting XXXX XXXX XXXX since XXXX of XXXX  no call back from them when my account was in the positive I need this dispute of my credit report because of wrong 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