BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems LLC. claims to be the owner of an account thru assignment. 
This is a non existent debt/account. I have included the notice they sent and my response. I refuse to pay at this time or at any time in the future. 

Jefferson Capital Systems LLC need to Cease and Desist all communication with me regarding this non existent account. 

My response that is included speaks for itself, and states my position clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-02-06
Company: Experian Information Solutions Inc.
State: GA
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 the below have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly Delete all information that is inaccurate, incomplete or which can not be verified.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681o - Civil liability for negligent noncompliance, Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681e Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

According to the Fair Credit Reporting Act, 15 U.S. Code 1681n Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

It is also my understanding that Under the FCRA 15 U.S.C 168i, every single one even each any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.

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 2022-12-17
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: Personal information incorrect

Complaint:
Personal 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 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my refund check from the XXXX company. I had paid to transport XXXX vehicles to XXXX York XXXX york. About 30 minutes after depositing the check my account was restricted. 
I called the bank to Inquire why my account restricted. They told me it was because I had never deposited a check for XXXX well. The makes sense because I have barely opened the account less than a month ago. 
I told lady that I had the number for the transportation company she decided to go and look online for the number to which she found nothing I offered to give. It a number. 
She wanted nothing To Do with it. My check was put on hold for 6 days and it's now the 6 day and my money 's there in my account and still no access to it. I have lot of wealthy person I am able To make it because I'm XXXX And XXXX. My not being able to access my money is really putting a strain on me. 
I would just like to receive my money in a check or be able to transfer it out to another Account of mine and then close account. 
I want nothing To Do Capital One and the shady business Practices that they implement an impose on their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My client applied for a loan with Amerisave Loan and was given the run around. The underwriter required a {$10.00} Reserve for a $ XXXX Loan and when I questioned the amount the Loan Originator could not provide an answer. They have asked for her personal bank login information to verify funds that she submitted several copies direct and then he stated that there printer made the error. The contract expires on XX/XX/XXXX and we are NO were near a loan approval based on the incompetency of this lending team. There appears to be a pattern of discrimination from this company! They want information that NO OTHER LENDER wants, and ask for information repeated that could be verified by the bank. The representative even stated documentation was altered and then said their printer was not working properly!

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 2020-01-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received two targeted promotion emails from Citibank regarding their " Cash Back Booster and Additional Cash Bonus '' offer. This offer required opening a new consumer checking account and depositing a minimum of {$15000.00}. After maintaining a {$15000.00} minimum balance for 60 consecutive days, the offer specifies that a {$400.00} cash bonus would be deposited within 90 consecutive days since the requirements have been met. 

I have met the requirements on XX/XX/XXXX and I have not received the {$400.00} bonus as of XX/XX/XXXX. I called Citibank and they said that there is no promotion enrollment attached to my account. I still have an email confirming my enrollment in the offer.

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 2023-01-31
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My experience with Mr. Cooper Mortgage has been nothing short of a nightmare. In XX/XX/XXXX, I lost my job of 27 years due to the impacts of Covid 19. My husbands employment also changed the same year. XX/XX/XXXX I was diagnosed with XXXX XXXX XXXXXXXX which required months of chemo treatment as well as a stem cell transplant at XXXX XXXX. Needless to say, the past two years has been a challenge for me and my family and to have the stress of not being able to prove to our mortgage company, of over 10 years, that we need assistance is disheartening. 

To date, I have submitted XXXX loan modifications ( XX/XX/XXXX, XXXX, XXXX and XXXX ) to Mr. Cooper and rejected each time because documents were not submitted, such as a quitclaim deeds, death certificates, etc, when in fact the documents were on file, some of them were on file for over 10 years and never researched before my loan modifications were denied. I was one advised that they approved the modification. However, I never received a phone call or correspondence in which I feel as intentional. For over a year, I have attempted to go online to make payments while we work through this process and the payment fields are grayed which doesn't allow the payment to be made. 

As of today, Mr. Cooper has pushed our account into pre-foreclosure status. The number of loan modifications I have submitted is proof that we want to resume mortgage payments and not have to continue to be stressed over this process. We feel as if Mr. Cooper is intentionally attempting to foreclose on the home that we've lived in for XXXX years, raising our children, and now our grandchild. 

We should NEVER have to fight this hard to do the right thing. We have not attempted to avoid Mr. Cooper and been cooperative beyond measure. Our fear is that they will reject our loan modification..again and put our home in foreclosure. 

Our ask is that you assist us in the loan modification process with Mr. Cooper in any way that you can. We would also like for Mr.Cooper to be investigated for the mishandling of our account and potentially other accounts/consumers. 

Thank you for your time and attention to this matter. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AmeriCollect
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: Was not notified of investigation status or results

Complaint:
Americollect INC # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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: Was not notified of investigation status or results

Complaint:
I sent several letters to the bureaus and haven't received a response yet. I received my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. This is taking way longer than it should. Please delete this items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-21
Company: Block, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company Square sends me an email daily saying that a payment of {XXXX} did not go through and I need to pay them. They are sending the email to XXXX. They say it is for an electric company called XXXX XXXX in XXXX, Iowa. This has been going on Since XX/XX/2022. I have responded to the email with cease and desist. I have called XXXX XXXX and he said he didnt know how to stop the collection activity. I have called Square and they said they could not stop it and that XXXX XXXX would have to do it. They are violating FDCPA law. I am tired of the harassment. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: AL
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:
On or around XXXX, I disputed 2 items with Experian that were not my accounts. Even though I told them they weren't mines they remain on my credit report. If these accounts have my info they were fraudulent accounts. I asked them for a method of verification and fail to send me a proper one and only said these accounts were mines, without any proof. About two years ago I had to take a company to court for failing to remove an account that someone created by using my social security number. I told Experian, but they fail to do a full investigation and said they were mines. 
Here is the info for the dispute results Report Number XXXX Date generatedXXXX XXXX XXXX and Report NumberXXXX Date generatedXXXX 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Transunion and XXXX reporting incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account That the late payment reporting be removed based on the inaccurate information provided by XXXX XXXX and Transunion. Under consumer law code 1681e a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please note that the reporting across all three bureaus is in accurate regarding the term length the amount due and past due amount and late payments are all inaccurately reported. Therefore Id the have the reported late payments to be removed.

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 2023-06-21
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.

Company response to consumer: Closed with explanation