BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX www.credit-control.com It alleges I had a debt in XXXX with XXXX XXXX XXXX in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. XXXX XXXX YEARS AGO, ARE YOU KIDDING ME. 

I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. 

I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is showing that my loan history for my federal student loans is current/on-time. However, I applied for a vehicle lease program with XXXX XXXX XXXXXXXX XXXX XXXX Arkansas ( and incurred an inquiry as a consequence. ) XXXX, the General Manager that assisted me advised that my Transunion report indicated that the most recent remarks for my student loans, stated 120 days late. 
XXXX reports the opposite. I can not be LATE on-record, because payment extensions were extended nationwide throughout the pandemic and for isolated disasters affecting borrowers of certain areas. 

XXXX also reported that my XXXX score was XXXX and yet, I was still denied credit at the dealership. 

I would like very much for XXXX XXXXo FIX any inconsistencies in their reporting, and for Transunion to correct its errors,

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 2023-03-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On several occasions Ive been charged overdraft fees when money was available. Also, stop payment was requested on numerous occasions hey money was still taken several days to weeks after.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was gifted a {$100.00} virtual Vanilla gift card from my boss via company email for XXXX XXXX on XX/XX/XXXX. I never used the card, primarily because I didnt know how to redeem it. I recently went back to this email and clicked the link included and found that there were 2 transactions against this card totaling {$88.00} that I did not originate or authorize. I called Vanilla customer service and was told that they would be willing to re-issue a new card for the remaining {$12.00} balance and that they would investigate the charges but would likely not be able to recover the stolen funds. 

I understand that gift cards are like cash and therefore, limited recovery is available if lost or stolen. However, my complaint is this was issued as a virtual card so in theory, no one other than the buyer ( my boss ) and the recipient ( me ) should have had access to the specific information on the card. Therefore, assuming this company took even precursory precautions to insist that all information from the card be included for a successful transaction, the fraud would have been detected when the perpetrator wouldnt have known the CVV or who the card was issued to. The other problem with the position the company takes is the loss was not the result of any act or omission on my part nor on the part of the original buyer of the card. We know that since neither of us has so much as looked at the card or the account since XX/XX/XXXX. So therefore, the account number and security information must have been stolen from off of Vanilla systems or due to lax policies and procedures at Vanilla regarding customer data and fraud detection. And yet, their position is that they are not responsible in any way for the loss they caused. Astounding. 

Obviously, I dont expect this to result in any further communication or recovery but I do think it is worth my time to open a complaint in the event that enough of these kinds of complaints might eventually lead to better regulation and controls being put in place around this industry and their products. I will also be forwarding the complaint to the CFPB for their investigation as well. And finally, as someone who has never purchased a Vanilla gift card and has had only one experience with the company and its products, based on what I have seen here, I would never purchase one of their products unless or until the proper regulatory framework is put in place to ensure that even basic protection of customer data and fraud detection is mandated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I tried to call this debt collection company to dispute a debt for which I am not responsible and during my first call a man named XXXX XXXX up on me after I told him I did not have the address to which the account belonged. I told him I could only provide the account number and before I could say that I could provide the social he hung up. When I called back to request further information about the debts in question it appears as though they are attempting to collect on several debts which were successfully disputed and for which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: JPMORGAN CHASE & CO.
State: CT
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 was in what they called a reage program, yet I was charged late fees. Under those circumstances, Im being punished for trying to do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to reinvestigate the disputed account reporting erroneous information on my Credit File. I am formally requesting with this CFPB Complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX Balance Owed : {$810.00} This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to XXXX or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cfpb, XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX, and the new servicer of my loan is Rushmore Loan Management Services . On XX/XX/2022 I wrote a inquiry letter to Rushmore Loan Management Services requesting a copy of my XXXX mortgage statement, payment information and any other documents related to my loan. My loan is current and in good standing. Rushmore loan Management has not sent me any of these documents that I have requested. I called Rushmore loan management customer service and was able to get my new account number and was told my account was being audited. My account is current and in good standing. I made my XXXX mortgage payment on XX/XX/2022 to Rushmore loan Services by XXXX XXXX. My XX/XX/2022 balance should be {$21000.00}. I am current on my mortgage payments and I would like the information I requested. I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have contacted XXXX, the submitted a letter with no proof of any late payments on my part, the did not correct the problem, and they are blaming the reporting agencies,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Fair credit reporting act XXXX 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 also states a consumer reporting agency can not furnish a account without 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 2022-02-08
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have attempted to have this account corrected to no avail numerous times as it is outside of the XXXX and its reporting inaccurate information and now we have this issue??? you're in violation of USC 1681 B and you need to delete this account immediately as the dates and the amounts are incorrect, and unverifiable. Please send the account archive file. Do not try and respond in any manner outside of this CFPB portal. Any contact outside of this portal will be considered harassment. Also, during thie investigation, the account needs to cease reporting on my consumer disclosure until the INDEPEDENT investigation is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed these accounts on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 by letter, and with the CFPB electronically on XX/XX/2023 which is currently marked as closed and verified for these items. This means you are required to updated the report showing your completed investigation reports and proper statuses. I am showing below that these accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau. 

I am showing that the bankruptcy information that is being reported is inconsistent across bureaus. They have completely different court names & different filing dates. These were verified as accurate in the investigation you completed. 

Now, you no longer have the chance to correct it. You need to delete these items. These inaccuracies are all serious violations of the FCRA and consumer rights of accurate reporting to my credit report. 

As a result of the negligence of your investigation not being done properly, & the numerous attempts I have made to ensure my information is being accurately reported, please delete these accounts immediately as you have violated my rights & the Fair Credit Reporting Act.

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 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We filed 2 disputes with Capital One back on XX/XX/XXXX. One with credit card ending XXXX for {$2200.00} and one with credit card ending XXXX for {$12000.00}. These charges were for an upgrade to our timeshare membership on XX/XX/XXXX. However on XX/XX/XXXX, ( XXXX XXXX XXXX ) breached our contract by cancelling reservations for XX/XX/XXXX & XX/XX/XXXX in which we signed an addendum to our contract on XX/XX/XXXX stating XXXX XXXX XXXX would not cancel any reservations we had made prior to that date, but they did anyway. So we are requesting our money back from XXXX XXXX since they breached contract in which we have all documents stating they breached contract. We forwarded over 100 pages of documents to Capital One for each dispute listed above. I have called every week/daily since they received documents for updates, and we kept getting the answer, " we are working on it ''. I have called and spoke to multiple supervisors, & head supervisors and we have been told multiple stories of what is going on and why they have not contacted the merchant yet. It has been almost 8 weeks ago since we submitted the case and every time I have called, they said they have all they need to submit to merchant, but it has not been done. Today when I called for an update, they told me that we need to contact a random timeshare company and get a second opinion. We are completely exhausted with them telling us something different for each call. Now we need to call a random timeshare company and get a 2nd opinion and they are just telling us that after 8 weeks and multiple calls to Capital One inquiring about our dispute. They have in no way helped us out at all. We were scammed by this company in XXXX and we have never filed a dispute but never thought we would be treated this way. Please help us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Addresses are not my addresses

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 2023-08-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 
Account Number started in XXXX. 

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 instruction.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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