BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
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: Old information reappears or never goes away

Complaint:
I am submitting this CFPB complaint to formally request an investigation and deletion of the accounts that appear to be misleading and inaccurate on my credit file, as per the provisions of the Fair Credit Reporting Act. The Following accounts shold be investigated and corrected by eahc of the Credit Bureaus respectively : For the Account XXXX XXXX XXXX. XXXX Balance : {$0.00} I have always had a stellar payment with this account as XXXX and Equifax can see. I do not know how this account suddenly reported as late! There is a clear negligent of duty here, as XXXX and Equifax are clearly reporting unverified and misleading information. I understand the importance of maintaining a positive credit history. However, this late payment does not reflect my overall creditworthiness. I have a strong track record of making timely payments, and the late payment XXXX and Equifax report on this account has caused me damage. I do not know where XXXX and Equifax got this information, but I need XXXX and Equifax to have this account removed for reporting erroneous and damaging data. 
And the Following accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX XXXX Balance : {$0.00} I need to bring these issue to XXXX XXXX attention as this inaccurate reporting of information has caused me severe damage. THIS ACCOUNT IS ONLY REPORTING ON XXXX CREDIT BUREAU. The information XXXX is reporting on this account is already outdated and misleading. I do not know how and where XXXX was able to maintain this outdated information, but XXXX 's continued report of such information is unacceptable. If only XXXX 's Record Keeping had been accurate and if XXXX actually kept tabs, this account should have never been reported at all. Under the protection of the Fair Credit Reporting Act, I request an immediate deletion of this account completely from my Credit File as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I am a XXXX veteran who served in the XXXX XXXX and I depend on US Direct Express to keep my money secure. They ended up locking my card and sending a new one to a place in XXXX XXXX XXXX XXXX, I've never been there, I live in XXXX XXXX XXXX. I had over {$1900.00} stolen from me and they have yet to put the funds back on the card. Usdirectexpress lies about saying they keep your account safe. I've even filed a police report with my local law enforcement. If you have a choice do not use US Direct Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: MD
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXBalance : {$270.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Pacific Retrieval LLC
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received repeated calls from XXXX from people claiming to represent Pacific Retrieval. They told me a car was in my name was towed and they were going to charge a fee and proceed to debt collections. They continued to call all of my family members and used aggressive language to harass over 4 family members. I do not have this car and they won't stop harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've notified transunion multiple times of the identity theft. They were sent and they received copies of my State ID, my bank statements verifying my address as well as a police report and federal trade commission report documenting the FRAUDULENT ACCOUNTS and the Identity theft. They have Failed to take any action and have refused to remove the Transunion was notifed of the identity theft XX/XX/2023 & XX/XX/2023. In writing via certified mail. As well as multiple online disputes online. 

XXXX  account XXXX XXXX Reporting a {$600.00} balance this account is IDENTITY THEFT and fraudulent. 

XXXX account XXXX XXXX This is fraudulent and identity theft They are also report an address of XXXX XXXX XXXX XXXX sc XXXX This is not my residence I haven't lived here this is a business address on XXXX. 

Transunion is refusing to comply with the FCRA REGULATIONS.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXXXXXX -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Rehabilitated 11 student loans successfully XX/XX/XXXX. 
Consolidated student loans XX/XX/XXXX. 
Disputed with Transunion on XX/XX/XXXX when they failed to correctly report XXXX account ( opened XX/XX/XXXX, {$4000.00} ) accurately with the other 10 accounts without derogatory marks and as closed and paid in full. 
Dispute failed to correct the error. 
Disputed AGAIN XX/XX/XXXX. 

The error still exists!! 
Currently sending a dispute by mail with rehabilitation agreement proving derogatory marks would be removed as a result, the successful rehabilitation, and the consolidation proving the loan in error was paid in full.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Sent this same complaint to company last month and they responded they was not going to reinvestigate theses items that Im challenging! Its the law to investigate! Please remove all items listed or verify that they belong to me! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX! None of these items mentioned has validated that they belong to me! Also I have no contracts with these creditors! Please remove immediately! 
,

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 2023-05-25
Company: CAINE & WEINER COMPANY, INC.
State: IL
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:
Caine & Weiner has been notified of their abuse to me as a consumer and their violation of my rights according to the Fair Credit Reporting Act, at the address they have provided to XXXX and XXXX below via certified mail received XX/XX/2023 at XXXX. 

Caine & Weiner XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX In accordance with the Fair Credit Reporting act Caine & Wiener has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. 

They have 15 days to rectify this matter. This is just documentation for the lawsuit they will receive XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
On XX/XX/2020. I received a letter in the mail from XXXX XXXX. It stated that they were notifying me of an incomplete application. XXXX XXXX specifically stated that they could not validate information provided in a credit application. The letter also stated that if they did not hear from me within 21 calendar days from the date of the application, XX/XX/2020, the application would be cancelled. I would like it to be noted that I did not try to get an account, service or any affiliation with this company. I also have a security freeze on my account to avoid any fraud or identity theft. 
With regards to this, however, I noticed that XXXX placed a hard inquiry on my Experian credit report. I did not authorize nor give permission for XXXX to access my credit profile. I did not try to obtain credit from them. I did not consent to, authorize nor benefit from this account, yet, their ILLEGAL hard inquiry on my credit report has caused me financial injury, invaded my right to privacy, defamation of my character and caused unfair practices on my credit report to occur. I am a Federally protected consumer and, as such, the ILLEGAL hard inquiry has been removed from my report but I have had to spend money and time that I can not regain to get this inquiry removed from my account. My rights under the FDCPA and FCRA has been violated. If I can not get compensated for this illegal practice, I will not hesitate to send out an intent to sue letter and I will take further actions as stipulated under the FDCPA and FCRA laws. This is my first step in giving the companies involved an opportunity to try to make amends to this unfair, illegal practice that they have sustained upon 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 2018-04-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States a consumer reporting agency can not furnish an account without my written instruction.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-05-02
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New refinance mortgage loan with XXXX XXXX and loan sold to Suntrust Bank 2 months ago. Typical phone wait time to Suntrust is about 30-40 minutes to speak with anyone at Suntrust regarding mortgage issues. I tried to setup a ACH mortgage payments to Suntrust and I got a denial letter and now I tried to pay online with ACH and unknown if payment was accepted by Suntrust. Suntrust is the worst mortgage lender for poor communications. CFPB please help me. 
Suntrust loan # XXXX. 
Thanks

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 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a capital one quicksilver card at the beginning of XXXX, as a student. My initial credit limit when getting the card was {$300.00} although I immediately requested a credit line increase. I knew right away that $ XXXXper month would not support my lifestyle. However, as I reached my credit limit I would make payments, often many times within one month/billing cycle. As I made payments consistently, I requested another credit line increase, a couple weeks after getting the card. I was told I would have to wait 4-6 months before receiving a credit increase, although I proved that I could consistently pay my balance and on time. Since getting my card in XXXX, my account has been restricted 3 times, apparently due to the amount of payments Ive been making. The first time it was restricted I got an email. However, the second time it was restricted I made a payment, capital one processed my payment, but never extended me credit. They also did not notify me that my account was restricted, so I was waiting weeks for my credit to be restored. When I called, they informed me that when my account is restricted I would know but I did in fact not know until the representative told me after I called them. The third time, a few days ago, I called to unfreeze my account but they needed to contact my bank, which had already closed. I went 3 days without access to my card because I was never available to call capital one at the same time my bank was open. I was told that my account keeps getting restricted because I make too many payments within one billing cycle, but I need to spend more than {$300.00} in one cycle. I requested a credit increase right away and after some time, but they denied me. 

I was out of the country when my card was restricted 2 out of the 3 times and was unable to make calls from my personal phone. Capital one does not have an email to contact, which made communication about this very difficult and inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On or about XX/XX/2019, I disputed an accidental charge made on my NetSpend pre-paid card. They immediately canceled my card which meant from that instant I had NO access to ANY of my money. After I reported the dispute, I had to call the customer service number to get a new card sent to me and I was told I would be charged {$10.00} for a new card! This is because the only option they have for disputes is to mark the customer 's card " reported lost or stolen '', which is incorrect. 
On XX/XX/2019, after they still hadn't resolved the dispute on my card and I found that I can't just purchase a new pre-paid NetSpend card *without loading money on it at the time of purchase*, I finally broke down and ordered a new card for {$9.00}. I also paid an extra {$20.00} for 'expedited shipping '. 
Today 's mail came - still no card. I now have three of my bills that are sending me emails they couldn't process my card because of these idiots and I'm almost out of gas as well and as I mentioned before, even tho my direct deposit hit my account on XX/XX/2019, I still have NO access to my account or money and they STILL haven't resolved the dispute!

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