BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: AR
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 am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$640.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NC
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 noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. Equifax has failed to respond to any of my requests. 

I sent a letter to XXXX, XXXX and Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

XXXX is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see XXXX error attachment ). XXXX and Equifax is reporting the same balance. 

XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

Equifax has not responded to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 i went into a Chase branch to cash a lawsuit check and deposit another one as well as open a account to keep the deposited amount. My funds were available at the moment and a few days after i was notified my account was closed. The first reason was because i had a pending balance on a old account. When i returned to the branch to issue the problem i was told it was closed because of prior account history. That my check would be issued for the amount deposited as a cashiers check. I waited about 15 days before contacting chase multiple times in regards to my funds. I received different information everytime i have called. First i was told they need to have the funds verified. Also i was told they had a missed call from the issuer but they had been having trouble contacting them back. As well as in one occasion i was told to take paperwork of the lawsuit to the branch which i did, once i was there were contacted and decided that was not enough after all. I have been calling chase to try to get updates and have them call the numbers but all they say is that the hold time is too long. I really need my money and i don't understand why its being held if it was available and the check was confirmed when i deposit it to the bank. The bank has my money in a suspense account gaining interest fees from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I applied and received two credit cards from XXXX XXXX ( Now XXXX XXXX ) on XX/XX/XXXX. I then choose to close the credit card account on XX/XX/XXXX of XXXX which I have documentation of this. My last payment that there showing is XXXX of XXXX. Portfolio Recovery Associates apparently purchased the debt that was owed on XX/XX/XXXX XXXX. My understanding of the Statue of limitations would had this debt Time barred by this point. I disputed this through all three credit reporting agencies with no success. Portfolio Recovery Associates is  still reporting this Debt and is damaging my credit. I need to have this resolved as I have tried repeatedly. I would greatly appreciate your help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: LA
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 the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, and XXXX XXXX XXXX have 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.

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 2020-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY XX/XX/XXXX allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one. 

In addition, Annual credit report.com should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank 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 explanation
Consumer complaint received 2020-12-15
Company: Credit Systems International, Inc.
State: MD
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:
XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND WASHINGTON GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A secondary collection agency, Fidelity Credit Services in XXXX, is claiming we still owe on a five year old debt that was settled for a reduced figure and charged off in a Chapter XXXX bankruptcy with the originating creditor of XXXX XXXX XXXX in XXXX, CA. Fidelity Credit Services refuses to send any communication by mail to us regarding the so called debt. This company has had many judgements AGAINST them in the past 10 years. They are a scam company, call at all hours and verbally abuse the people they call. They will not listen if you have a legal explanation or ask to cease & desist. They have made REPEATED false statements reflected on all of our credit reports! Because of that, I am looking into legal action. Unfortunately, these people have been sued so many times, I'm not sure how they are still in business!?! They completely violate ALL of the FTC laws and the fair debt collection act laws in California. Reprehensible people that look for outdated and settled debt to prey on. CAN THE CFPB PLEASE INVESTIGATE THIS COMPANY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-20
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I was reviewing my credit report and saw that there was a debt that I did not recognize as mine. The alleged debt claimed that I allegedly owed {$1100.00}. I wrote a letter requesting validation from XXXX  Credit Bureau regarding this alleged debt. However, they did not validate the alleged debt according to the opinion written by XXXX XXXX XXXX of the FTC, nor to my satisfaction. I then wrote a letter to the collection agency, LVNV FUNDING LLC requesting validation of this debt with the same expectations that I wanted from XXXX. They in turn turned the letter over to Resurgent Capital Services. On XXXX, XXXX, I received a brief letter stating the debt was validated by issuance of a preprinted bill. This was not sufficient nor did it meet the FTC criteria. I in turn wrote a letter dated XX/XX/XXXX stating that this did not validate this alleged debt. 

Today is XXXX, XXXX, XXXX and I have yet to hear back from Resurgent with any validation to this alleged debt. In addition, they are still reporting this alleged debt without accurate validation. 

I am enclosing the information in the above aforementioned complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have had fraudulent inquiries placed on my credit report since XX/XX/2016 I have tried multiple times to address the issue with TransUnion with no help whats so ever. All the other bureaus have flagged my account for fraud alert and remove my inquiries. Transunion still refuses to do so. I have multiple attempts all day and all night at trying to run credit cards on my credit report. No one from Transunion is willing to help me and I am sincerely tired of trying with them.

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 2020-06-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been Trying to resolve amounts owed to Wakefield and Associates. I have valid back dated insurance and they will not run it for all Accounts, despite being they would and providing documents requested. They have refused to give me names and addresses of previous creditors stating it was illegal. They have tried to get me to pay interest on bills paid retroactively. After explaining to them the law, they said they would agree To wave interest, when I had to goto the companies direct because they refused to run my post dated insurance. I have been made fun of, and they are still holding up one account for nearly XXXX. And are requesting additional documentation for running The insurance while giving many different stories about what is required. I am currently trying to go directly to the original debtor because they are being so difficult, and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Capital One Auto Finance has participated in several predatory lending practices in order to gain more capital from consumers. During the XXXX XXXX I was only allowed a certain amount of COVID payment relief options despite having full documentation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this time one of my payments bounced back on the online portal, where my entire online account was completely disabled. I was signed up for paperless billing and was blocked from accessing my online account to view payments, history, ect. During the pandemic period, I had my car repossessed two times. Despite speaking with capital one and explaining my situation, I was offered little help and my car was taken twice. Each time the car is repossessed capital one adds fees upwards of {$400.00} in addition to late payment fees and the original account balance. During XX/XX/2022, I challenged capital one about my repossession they just did and their unlawful practices. I somehow ended up on the phone with the president of the entire company. Upon stating their inability to help me and failure to allow me to access my online account in any form, my online account access was magically restored. Since that repossession I have purposefully made payments late to see how this notification process has changed. The process has changed completely. Capital one did the bare minimum during COVID for customers that were directly affected by the pandemic and put us in financial binds with repossession and late fees.. Also since my current repossession the office of the president has called me XXXX different times, with XXXX of the times the phone conviently disconnecting. The lady has called me back each time apologizing and stating that she is unable to call me back after it happens even though my phone is on and have service. They were purposely hanging up on me after receiving the bits of info they wanted because I threatened a lawsuit. I have to print out all of my phone records to show communication between the company and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a XXXX  with BMO. I did not realize that my unpaid balance was {$0.00} in XXXX 2023 and made a $ XXXX payment. When I realized this, I went to the bank but was told that they could not resolve the issue and that I have to call the mortgage department. I called the number given to me and was told that the excess payment was sent to XXXX. I called the XXXX  department and was told that they have mailed a refund. I recently changed residence but have provided the bank my new address. The post office is also aware of my move and forwards all mail. The XXXX company claimed that my address was not changed and that the refund was sent to my old address and to call at the end of XXXX 2023. I called at the end of XXXX 2023 and was told that a new refund will be mailed to my new address. As of date, no refund has been received and I am not receiving any interest on this money. I believe the bank is intentionally making excuses to hold on to money without providing interest.

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 2023-08-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, 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 called Wells Fargo and they said they didn't see any activity under my name. I check my credit report every week and I noticed there is a hard inquiry on my report and I did not apply for anything. I need to dispute and have this removed off my report and do not feel anyone is listening to me.

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 2022-10-13
Company: EQUIFAX, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$530.00}

Company response to consumer: Closed with non-monetary relief