BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TN
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX  XXXX {$5000.00} XX/XX/XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXXXXXX XXXX  XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2021-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
I have asked for debt validation from Portfolio Recovery for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information in addition to other proof of claims that have yet to be answered thoroughly. I have certified mail receipts request with failure to follow through and return my receipt required tracking. Portfolio Recovery has not send me the following information I requested : name and address of alleged creditor, name on file of alleged debtor, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Portfolio and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Portfolio violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke to a supervisor at American Express from the XXXX Texas oce who on XX/XX/2023 conrmed that American Express back oce knew they were in violation of their terms and conditions which state Foreign Transaction None which I can send a copy if requested, but they intend to continue to charge these fees to all their customers regardless of their terms and conditions. I also have copies of three different correspondences from American Express which I can also provide that clearly states that they do charge a fee of XXXX on any foreign transaction. One letter states The converter results do not include the American Express conversion fee. the second and third letters state Please note that American Express uses a conversion rate that is effective within 24 hours of the time the charge is processed plus XXXX percent of the converted amount. They are overcharging all their customers as a group in the millions of dollars which is an estimate but realistic and will continue doing so unless a stand is taken by your agency and are able to force American Express to repay all their customers all the overcharges, for all long as they have followed these illegal practices. You have my phone number, please have someone call me in the managerial status to discuss further and provide me a portal to send the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
DEPTEDXXXX  ACCT # XXXX Date Opened : XX/XX/2017 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2020-09-21
Company: Experian Information Solutions Inc.
State: NC
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 WALLET WAS STOLEN AND SO WAS MY IDENTITY.

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 2023-08-10
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX / XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After a phone conversation, with IQ DATA International on or about XX/XX/XXXX, I mailed them a letter stating I disputed the debt and asked for debt validation. As a consumer, I have the right to request proof of validation of the debt and IQ Data should have provided me with the original debt or proof of debt and debtor 's name and address. They DID NOT! In my letter, I kindly informed IQ Data that pursuant to FDCPA that I was disputing the debt, and debt collection should stop until the original debt could be validated. Further, I requested that they do not attempt to contact me by phone but in writing again they violated my consumer rights because XXXX XXXX XXXX from their office called on XX/XX/XXXX and left a message on my cell phone. I demand that IQ Data International immediately stop collection actions and withdraw its negative reporting statement. I also demand that they only correspond to me in writing. IQ Data threatened to report this debt to the credit bureaus on the first call I had with XXXX XXXX and before validating the debt. IQ Data reported negative data on me to all 3 credit bureaus on XX/XX/XXXX, and after I disputed the debt. They did not give me proper due process. I am requesting an immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$1500.00} loan in  XXXX   XXXX  and was under the impression that as I paid  (  bi-weekly {$150.00} ) which totaled {$300.00} a month that my balance would decrease with each payment. Well, I ended up paying a total of {$1200.00} ( during a 4 month period ) on this loan and still owed {$1500.00}, which I paid out in  XXXX ,  XXXX . I feel that this company "  Check-N-Go '' have very unfair and huge interest rates and that if  they see that a consumer is trying to get them paid out, they should work with that person. I never missed a payment yet my balance never decreased, but steadily increased. So I ended up paying them almost twice the amount borrowed and it was all less than a 6 month period of time, WHICH IS UNHEARD OF!!!! I would like to warn others about them and get my MONEY BACK! There are  XXXX  stores in  XXXX   XXXX , SC and I 'm sure numerous within the state of South Carolina. I did business at the  XXXX   XXXX   XXXX   XXXX . location

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: TX
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 asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. 

Account name : XXXX Account # : XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX Account # : XXXX Company : XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number:XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX Account number : XXXX Company : XXXX XXXX & XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: NAM National Arbitration and Mediation
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Na company left me a voicemail from phone number  XXXX  stating they were from the legal department at NA company and that they were going to have me arrested for check fraud. Then they called my parents and spoke to my father and shared information about why they were calling.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-02
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 is missing that should be on the report

Complaint:
Previous request to remove ( as of  XXXX   XXXX  ) negative  XXXX   XXXX  account ignored ; satisfactory account   XXXX   XXXX   deleted instead  ( n ot scheduled for deletion until  XXXX  ). Why?

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 2022-04-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Think someone else is in my account and getting payments bc I have not received the first payment... .I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a car loan with Capital One Auto Finance. In XX/XX/2017 I was using a charity company to help pay my car note because I lost my job and wasnt starting a new one until the end of that month. They company contacted them to pay the bill for my but was advised they had to mail the payment in. The charity company mailed it within a day or so. It then took Capital One 2-3 weeks to post the payment to my account making it late. The charity company and I called to see if it posted but we were advised it can take time. This made me incur a late fee on my account and credit report. I asked if I could have a good faith removal and was advised no, even though it took forever for the payment to post and the notes in the system backed it up. 
Im trying to refinance and because of that late fee Im getting denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: ZIONS BANCORPORATION
State: TX
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 XXXXXXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices

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 2023-08-10
Company: Ocwen Financial Corporation
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:
The credit report indicates that there are XXXX delinquents as of XX/XX/XXXX from Ocwen Loan Servicing : accounts XXXX and XXXX. 

My records indicate I no longer owned the property as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Ocwen Financial Corporation
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:
The credit report indicates that there are 3 delinquents as of XX/XX/XXXX from Ocwen Loan Servicing. Accounts ( XXXX ) and ( XXXX ) My records indicate I no longer owned the property as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2019 I tried using my card on my trip to XXXX. The account was suspended and when I called Fraud protection, who stated that there were suspicious charges and that the account is suspended and needs to be reviewed. They did not give me any answers as to why it was suspended and informed me there was no one else I could talk to. I could not confirm the charges with them and was given no other options. Ive been stuck in a foreign country with no access to my only means of money and the company wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: CT
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and updating because they were reported incorrectly in my 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2022-08-10
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation