BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NC
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Company: Central Portfolio Control Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I rented an apartment in XXXX and there was apparently a balance owed after I left the premises. I did not hear anything about this {$3200.00} debt until XX/XX/XXXX on my credit report. I tried disputing through XXXX but the results still says the debt started in XX/XX/XXXX, and the dates dont reflect the actual year of tenancy from XXXX. The company has never sent me correspondence informing me of the debt and 6 years later it showed up on my credit report. 
Central Portfolio Control wont provide accurate info to XXXX informing them of debt being from XXXX and my XXXX XXXX has tanked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: AXOS FINANCIAL, 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: Information is missing that should be on the report

Complaint:
Loan was included in my XXXX  XXXX that was XXXX by the court as of 2018. 
I have returned their car back, sent messages via their site ( Axos Bank ) called a couple of times, attached a copy of the discharge to their site and via email. The attorney that filed the Bankruptcy has even emailed them letting them know that they should stop defying court order, yet, they still keep reporting it on my credit report as missed payments and the account isn't still closed. While every month i get emails and mail in my mail box of statements from them to make payments. 

I would think that AXOS Bank would know a bankruptcy XXXX  operates as an injunction against the commencement or continuation of any act to collect or recover a debt as a personal liabilty of the debtor is properly a basis for civil contempt proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear TransUnion Consumer Relations, I am writing to request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that are not associated with any active accounts. These unauthorized inquiries are negatively impacting my credit score and financial profile. I kindly request that you remove only those inquiries that are not attached to any active accounts on my credit report. 

Below is a list of the unauthorized inquiries that I request to be removed within four business days, as they are not associated with any active accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX understand the significance of maintaining an accurate credit history and the potential adverse effects that unauthorized inquiries can have on my creditworthiness. By removing these inquiries that are not attached to active accounts, my credit report will provide a more accurate representation of my creditworthiness and assist me in making informed financial decisions. 

I kindly request that you thoroughly investigate these unauthorized inquiries and promptly remove only those inquiries that are not attached to any active accounts on my credit report. I appreciate your attention to this matter and your cooperation in resolving this issue within the specified timeframe. 

Thank you for your assistance. I look forward to receiving written confirmation once the unauthorized inquiries that are not attached to active accounts have been successfully removed from my credit report.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: AL
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:
JPMCB - CARD SERVICES XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tower Loan XX/XX/XXXX SYNCB/Paypal XX/XX/XXXX XXXX XXXX XXXX XX/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 2023-05-18
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-05-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Applied for Care Credit, Selected 24 month no interest option. Neither the veterinarian office, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, United States, or Care Credit contacted me to let me know, the loan could only be accepted as a 6-month no-interest loan. 

They never mailed paper statements, although they claim I enrolled. 

They have failed to communicate in an adequate fashion. 

The same problems from XXXX arose in XXXX, Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue. 

Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a XXXX percent interest rate. 

I also noticed in research Care Credit failed to act in accordance with the ruling that was ordered on XX/XX/XXXX which states : Representatives will contact most CareCredit consumers within 72 hours of the initial transaction to explain the product to them over the phone. In addition, for certain transactions of more than {$1000.00}, consumers will enroll directly through a CareCredit representative and not through the doctor or dentist office representative. 

I received no contact in that time frame or later. 

Care Credit is still engaging in deceptive and harmful practices, preying on people in their most vulnerable moments as they are either in pain, watching a loved one in pain, or perhaps even fighting for their lives. 

This simply can not be allowed to continue and oversight to this despicable organization must come swiftly and harshly as they have placed profit over the person in the vilest, most predatory, and the dirtiest way you can, by taking advantage of people in their most vulnerable state.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I look at my credit report and seen an account that is not mine its XXXX XXXX bank as a charge off as bad debt in which it does not belong to me it says status update XX/XX/2018 last payment XX/XX/2018 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 2023-05-20
Company: URS Holding, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alltran Finacial, LP keeps calling me. I never gave them my phone number or email address. They have my personal information & I never authorized them to have it or contact me. After I received several calls, emails, and confirmed by mail that debt is not mine they continuously harass me. They keep sending letters accusing me of owe-ing them money. Debt is not mine & I asked them to stop all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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 information incorrect

Complaint:
XXXX loan # XXXX in the amount of {$5000.00} originated XX/XX/18 has been paid off in full on XX/XX/18. Equifax and XXXX is still reporting that I have a balance of {$5000.00} which is not true. Equifax updated their report on XX/XX/18 and showing a balance of {$5000.00}. Because of this false reporting my credit score dropped 50 points! I want this false reporting of {$5000.00} to be corrected to {$0.00} immediately! This account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
My informations shows with the company XXXX  XXXX legal action pending even though I have been set up and paying a payment plan for the past year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a purchase at XXXX in XX/XX/XXXX. I requested a full refund by XXXX. They agreed and said I would see my money I'm 3-5 business days. After the time passed and no refund I called XXXX. They said refund was issued and received at Capital One XX/XX/XXXX, they also provided a tracking number to give Capital One. 
I called Capital One and again asked about my refund. I was told no refund was issued and that number was not a number they could use. I waited a few more days, no refund so I filed a dispute with Capital One to request my refund. A few days later I called capital one and asked where I can submit proof XXXX said they refunded me. I was then told XXXX did infect refund me but Capital One blocked the refund and I needed to call XXXX back. I again called XXXX and was told NO, we refunded and didn't get anything back. I called Capital One again and was told call XXXX they have your money. I asked XXXX to escalate this to a manager and was declined. I did a 3 way call with XXXX and Capital One with both companies finger pointing blame. The customer in the middle with no refund or product! I was told by both companies this would be escalated to managers for review. I followed up with Capital One again today and now I'm being told it was never escalated I now have to go through the 45 waiting period while the dispute is invested. I advised its no longer a dispute my money needs to be released ro me. I was told my card is blocked and they can not give me my money back I need to call XXXX again. I have spent almost 3 weeks going back and forth. My refund is just sitting somewhere and it's unfair that I'm being asked to chase these companies for the money that belongs to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: KY
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:
USDA rural housing development home loan mortgage was paid off XXXX of XXXX. Account number XXXX. USDA cashed the check in XXXXXXXX XXXX  XXXX for {$120000.00}. I never received signed payoff title. I worked with a title agency. 
For property located at : XXXX XXXX XXXX XXXXXXXX KY XXXX. 
Our File No. XXXX contact person is : XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX a check for over {$20000.00} and realtors were paid. The payoff was provided by the USDA. For the last 2 years and 10 months, I have contacted the company. The company continues to report to all 3 credit bureaus that a house payment has not been made since XXXX of XXXX, ruining my ability to buy another home for my family of XXXX. I am also unable to rent an apartment due to my credit score. My husband and XXXX young children have been " homeless '' for almost 3 years due to the company incompetency. In XXXXXXXX XXXX XXXX, the company reported additional charges for " foreclosure '' fees over $ XXXX on all 3 credit bureaus. I have disputed with every credit bureau each time. It'll fall off my credit report then only to reappear again. 
I've spoken with XXXX, XXXX XXXX and XXXX in the foreclosure department, each informed me that this is their mistake, and the letter will be mailed, and everything will be ok. The USDA failed to apply the payment to my account due to XXXX and " working from home '' until XX/XX/XXXX. That is how they calculated the " foreclosure fees '' based on paid off in XXXX and hence the reason the company states it is their error and not a valid charge. I have spent countless hours on the phone only to be told, it's taken care of, and I never receive the letter. I can not get anyone that can help me on the phone and have to wait for call backs from the foreclosure department. I've asked to speak to manager only to be called and told, the manager on the phone can't send me the letter but " XXXX XXXX '' will call me and can email or mail me the title payoff letter. I have never received a call or letter from XXXX XXXX. Then the phone call process starts over again. I have reached out to a real estate attorney, and they confirm, there has never been a lien or foreclosure against my previous home XXXX XXXX XXXX XXXX, KY XXXX. I have contacted the USDA, FRCA, XXXX, XXXX, Equifax, XXXX, and the state attorney general ( s ) for Kentucky and Missouri to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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 brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I know you are working hard and thank you for helping me. 

I am submitting this complaint from my personal computer. I have reviewed my credit report and notice that the inquiries that are fraudulent are on my account. My name is XXXX XXXX and I am a victim of identity theft. The inquiries are not accurate, unauthorized and do not belong to me. The information isnt correct. I asked for method of verification from the bureaus and was ignored. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My Id, social security card and pdf of the accounts are enclosed as well. The inquiries Need to be deleted 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize nor benefit from the following inquiries. According to the Fair Credit Reporting Act the following inquiries must be blocked and removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2020

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 2023-07-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief