BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: SC
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:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX 2023 there was XXXX fraudulent ATM withdrawals without my knowledge or permission. 
I disputed these transactions consisting of {$400.00}, XXXX, XXXX and XXXX totaling {$1400.00}. I informed USAA. An investigation was open and the {$1400.00} was immediately credited to my account. 
XX/XX/XXXX I called USAA back because I discovered there was more unauthorized withdrawals before XX/XX/XXXX. On XX/XX/XXXX. I didnt catch these because there were automatic payments and other XXXX funds transfers I made in between. On XXXX XXXX, 2023 I did not authorize or withdraw {$400.00}, {$300.00}, {$300.00}, {$500.00}, {$300.00}, {$400.00} totaling {$2700.00}. On XX/XX/XXXX USAA credited my account the XXXX. 
On XXXX XXXX 2023, USAA retracted the credits and withdrew the amounts from my account again. Thus, leaving my account in the negative unable to make payments and bills. 
As seen in the attachments below. I called USAA back XXXX XXXX, 2023, saying I am not responsible for these transactions. They would reopen and reinvestigate for me. XX/XX/XXXX they informed me the decision will remain. I am having to put both mortgages on hold and both car payments. I am still awaiting the decision the amount for XXXX, but I fear it will be the same result. I have other bills and payments I have put on hold. I am XXXX XXXX military and my check deposited today is almost gone. And if USAA rules the same on the first dispute. I will be in the negative again. If I miss payment and it gets back to my leadership it can affect my rank or result in disciplinary actions. I have been stressing on late payments or reports to the credit bureau. I shouldnt be responsible for fraudulent activity in my account that I didnt make. USAA makes it as if I am asking for somethings thats not mine, or not giving details on what evidence it was me. These withdrawals are totally out of normal for my account. 
Please assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Over the past weeks I have been unable to log into my account due to a locked out. ( Forgot my password ) when I tried to reset it, it said I had tryed too many times and the account was now locked ... thats awesome HOW DO I GET THE ACCOUNT UNLOCKED? to make matters worse I was using the customer service helpline to transfer my funds to a different account ... .that option is no longer available!! I hear it's been removed!! If that's true than why is the information in the brochures. This has been ongoing for weeks now and i can't get a real person on the phone. What do I need to do to resolve these issues? Do i need to call a different number?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: EQUIFAX, INC.
State: UT
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 a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
An inquiry dated for XXXX XXXX on XX/XX/ that I did not do. I have no more information about the account. I got that information from my experian credit report. As well as XXXX XXXX Consolidation that I did not inquire either.

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 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Today, I learned that Capital One has 2 accounts under my social security number. I only applied once for my credit card. I assumed it was still the same. But today I learned that the original ( XXXX ) account that I have isnt the original account. It was closed. Capital One never informed me about this change! Ive contacted them several times, before these ridiculous interest rates went into place, asking for help lowering my interest rates. NOT once could I get any assistance from Capital One! Yet here it is, theyre benefiting, ripping off consumers with every new interest rate increase! NOT to mention they provided NO assistance nor gave any information about changing my original account! But Capital One is quick to charge more, close, and have records of XXXX accounts on their books for the only account that I created with them. Having me only learn about their deceptions by inquiring again about Capital One, over inflated interest rate charges for balances being paid prior to the constant interest rates hikes by the federal government. All are a bunch of thieves! Let all the banks collapse! I was informed also by the operator that they closed the original ( Sparks ) account and started the account I assumed was the original one I am still paying off. Operator also said that according to the original documents I agreed too, Im being held to those and their terms, while Capital One is above any laws the ordinary consumer knows anything about! I asked for help, got nothing!!!! Told NO! NOTHING about any of the changes mentioned either!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/19, I received an email from Capital One asking me to verify my account for a Quicksilver Credit Card that I never submitted. I checked XXXX and the hard credit inquiry had shown up on my account as well. I called Capital One, and they told me the Quicksilver card application was marked as fraud. I also called XXXX and told them to remove the hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX paty.They in fact did not come from a XXXX party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
All of the inquiries listed on my TransUnion credit report below are fraudulent. 

TransUnion fraudulent inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022

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 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was a victim of identity theft and saw some accounts on my credit report that I did not recognize. 
I have submitted multiple letters since XX/XX/2022, to XXXX  to get a debt validation on XXXX accounts they have reporting under my name on my credit report. They have not responded. I then sent Experian a letter to let them know that I tried to validate it and there was no response from affirm and experian sends a computer generated '' its been validated ''. SO I then filed an FTC identity theft report as well as a police report and I forwarded them to XXXX  and Experian. 
Nothing has been done to date. XXXX, XXXX  sold this fraudulent account to XXXX XXXX ( which I just received a collection notice from )- but affirm is still reporting this account. 

Ive attached a copy of both accounts credit report, a copy of the FTC identity theft report, police report, and 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 2021-04-07
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a sba loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years XXXX XXXX for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: IL
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  XXXX XXXX XXXX XXXX - The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have formerly disputed Bankruptcy account information and ascertain that the data furnisher had permissible purpose for the account to potentially initiate said alleged bankruptcy be it true, or not, valid or not, defamatory allegations have to be Metro 2 Compliance in order to be maintained or reported I requested deletion of any information that is not subsequently with proof of permissible purpose documented evidence confirming validity, accuracy, timeliness and the mandatory perfect and certified Metro 2 Compliance . Attached below companies Experian response an in red exhibits of unverified, incomplete, inaccurate accounts/ Fair Credit Reporting Act violations 623 ( a ) ( 3 ) - 15 USC 1681c ( a ) ( 1 ) -15 USC 1681b - 15 USC 1681e ( b ) - 15 USC 1681s-2 ( B ) ( A )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2019-02-05
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I tried online to make payment of my mortgage for the month of XX/XX/XXXX, it has come to our notice that my XX/XX/XXXX is not being accepted due to nonpayment of XX/XX/XXXX mortgage. It has come as a surprise to me because the payment of XX/XX/XXXX has already been paid and withdrawn from the account as per bank statement for the month of XX/XX/XXXX is attached. Moreover, an email was received as confirmation of payment from the website of Ditech.com under confirmation # XXXX. It was more surprising when the representative of Ditech also demanded the bank statement for the month of XX/XX/XXXX saying that the payment was also missing for XX/XX/XXXX, when I was talking over the phone on XX/XX/XXXX at approximately XXXX XXXX. 

I am attaching the copies of my bank statement for the month of XX/XX/XXXX, XX/XX/XXXX and the copy of the confirmation email received from the Ditech. Com with details. This is not the first time that the Ditech Financial LLC has troubled us in the matter of mortgage payment and for your kind information that in XX/XX/XXXX the company had created the same issue and after a long time it was accepted in our favor. 

I would appreciate if CFPB takes necessary action to resolve the issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-05-16
Company: Williams & Fudge, 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:
I received an email alert from my credit monitoring app that a new tradeline was recently added to my credit profile. I am currently in escrow for a home purchase and woke up to this nightmare. 
Company William & Fudge claims I owe them {$97.00} when I never had any written contracts or obligation to pay them. I never did business with William & Fudge. 

On XX/XX/2022 I wrote William & Fudge a letter via USPS mail of " validation '' bearing my signature that I had contractual obligation to pay them. 

I have also called them to ask to remove the inaccurate reporting on my credit, since it may have the possibility to affect my Home Loan Escrow process, forfeit my earnest money deposit of $ XXXX or increase of interest rate, or worse denial. They did not want help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ON XX/XX/XXXX a dispute letter of request for validation of debt was to Phoenix Financial was placed in the mail. It has been over a month and the collector has yet to remove the collection from my credit reports. I plan to send a follow up of this request again tomorrow XX/XX/2021 in attempts to resolve this matter with them. 

Phoenix Financial has a different address listed on their website than what the XXXX has. I will attempt to send the letter to that address in order to have this matter rectified, prior to your investigation being complete.

Company response to consumer: Closed with explanation