BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
On XXXX XXXX XXXX XXXX XXXX XXXX an unauthorized XXXX hard inquiry causing my credit score to drop this affecting my mortgage approval odds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?

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 2018-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and Equifax reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Vehicle Solutions Corp
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a SUV from XXXX in XXXX XXXX, FL. I was having issues with them from the very beginning. They never in 6 months gave me a tag for the vehicle. They gave me a temp tag. After that first month they gave me a second temp tag. Months 3 they said they couldn't give me another temp tag. Problem is they never got my tag from the XXXX. I called the XXXX and they said that XXXX would have to get me a tag. At that point I had been stopped by the police because they never gave me a tag. I was riding around for 2 months with an expired temp tag. I went back and they gave me a third temp tag. I told them that I can't keep waiting for my tag. They said it would only take a week for my tag to come in. A week later, still no tag. After that month the third temp tag is now expired. Because I never got a real tag from XXXX my vehicle was towed from my appointment complex because of expired tags. When the vehicle was towed I told them that they can just take the vehicle back because I was tired of dealing with the waiting game that never ended. On top of that the loan company never sent me any paperwork for my loan and lost my first payment saying it was never maid when it was clear as day taken out of my account and the payment was made at the dealership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: The Outsource Group, Inc
State: VA
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:
On XX/XX/XXXX of 2023 I sent this company a certified letter asking for an itemized list to verify debt. I disputed the debt at that time. Well over 30 days later I have still yet to be sent this debt validation and in addition they are still calling and leaving harassing voicemails. I would like this debt removed from my name immediately in accordance with the laws around consumer rights and federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This letter is to inform you of deceptive business practices and the lack of disclosure of Capital One credit card services. 
In XXXX of XXXX my daughter had been involved in a horrific car accident and my life fell into a spiral. At that time, I fell behind in my credit card payments. 
In XXXX of XXXX, I began catching up with my life and I entered a payment plan with Capital One to catch up my credit card payments. I was to pay {$100.00} to get my account back into good standings. I made the first payment XXXX XXXX XXXX 
When I made the second payment in XX/XX/XXXX, I contacted card holder services to ask why my card was not working still and I was informed that when I made the third consecutive payments my card would be unrestricted and if I needed to make my payments on the XXXX of the month as well as I had never received any disclosures or information on the plan I entered into on XX/XX/XXXX. I was informed that all I needed to make was the {$100.00} payment on the payment plan. I was never advised that the payments I was making would not go towards the three consecutive payments. 
I was informed today when I called in XXXX that I was enrolled in another plan to take off the restrictions to my account and that the disclosures were read to me. This may be true that the disclosure was read to me, BUT I was NOT advised this was a different plan to take off the restrictions. I was advised that once I completed my monthly payment plan, I would be unrestricted as my account would be current. How was I to know there were two different plans I was enrolled in when I was never provided disclosures? I was not provided by email, in my online account, or via USPS. 
I paid both my second and third payment and to my dismay my card is still restricted. I made a call to Capital One this morning and was advised that I needed to make three ADDITIONAL consecutive payments to get my card to an unrestricted. Again, how am I to know there are two different plans I was enrolled in if I had not been provided any disclosures. 
Not only is my card still restricted, but they have not been applying my payments to my monthly payments and have been reporting me to the collection bureaus as late. This is unacceptable since I was informed that the payments I was making would go towards my monthly payments. This needs to be addressed as well. 
I feel the lack of training of the customer service agents and a defective system for providing disclosures have compounded these issues. Disclosures are absolutely necessary in any financial transaction, including credit card transactions. I would appreciate if you could kindly investigate these issues so that no other consumer has to spend several hours banging their heads against the wall trying to figure out what is going on and having their credit damaged because the customer service agent is ill informed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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:
I have Child Support with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XX/XX/2021. I have read enough to understand my rights. The XXXX and Equifax  Credit Bureaus is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax  are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, 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:
We have been trying to get this corrected on our credit report since XX/XX/XXXX. 
Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. 
We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. 
This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. 
We have until XX/XX/XXXX to resolve this without incurring further fees. 
We would very much appreciate you providing this documentation to our XXXX account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. 
cc : Consumer Financial Protection Bureau XXXX, Equifax and XXXX credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: LJ Ross Associates
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I am not liable for this debt of {$520.00} with L J ROSS ASSOCIATES, INC Account number : XXXX I do not have a contract with L J ROSS ASSOCIATES, INC, they did not provide me with the original contract as requested with my wet signature and ID Verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions

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 2023-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a Bank of America customer I went to the Bank of America ATM drive-through to deposit cash through the ATM as I was depositing my rent. The ATM froze. I called the number on the ATM to let them now they froze and I already put in {$980.00} it was not credited to my account. No one could help me inside of the bank, I had to call the number back. They said they would start a claim its too its three days later my money has not been credited to my account. No one is doing anything outside of giving me a claim number and telling me that its going to be an ongoing investigation. I deposit the same amount of money into my account every month to pay my rent, now I am facing an invention where I will have to leave my home by Monday the bank is not doing anything for me. I am being robbed by Bank of America and me and my XXXX children are going to be homeless. No one is doing anything. Its {$980.00}. They shut the machine down. I just went by there yesterday its back up and running and I still havent been credited my money.

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 2021-01-11
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage Delinquent payment home owners insurance last XX/XX/2020. Amount worth {$890.00}. They have been claiming that they already sent a check last XX/XX/2020 but my insurance company confirmed that they did not receive any check coming from my mortgage company and they have been communicating this problem to them but no action had been taken. AmeriHome hasn't replied to the existing problem. It has been a month and I would like to see some action taken. We have been going back and forth with this situation trying to get a hold of AmeriHome. Please I need someone to take care of my situation as soon as possible because this is going to cause a revoke on our home owner 's policy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: CA
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 am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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:
I have fraudulent accounts and inquiries appearing on my credit report. 
1. XXXX XXXX XXXX {$3500.00} 2. XXXX XXXX {$1300.00} Inquiries 1. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX XX/XX/2022 3. XXXX XXXX XXXXr XX/XX/2022 4. XXXX XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XX/XX/2022 6. XXXX XXXX XXXX XX/XX/2022 7. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX 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 explanation
Consumer complaint received 2022-12-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the terms of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitues a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1622. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person, or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attention credit bureau I am writing to dispute the collection that recently returned to my credit report after it had been removed. According to the fair credit reporting act, the collection should not have returned after the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: NY
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:
Please report XXXX XXXX account information on credit report as it appears on the attachment as you have failed to do so I. Compliance with Federal Truth in Credit Reporting act and FTC law as explicit.

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 2022-04-26
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in accordance with the Fair credit reporting act has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

THIS IS HIPPA VIOLATION AND IDENITY FRAUD I TRY REACHING OUT TO THIS COMPANY AND NO RESPONE CERTIFIED MAIL XXXX ON XX/XX/2022 SEE ATTACHMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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 information incorrect

Complaint:
The Credit Bureaus Transunion, XXXX, and XXXX have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor XXXX XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over 7 years old which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.

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