BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX sent a debt collection of {$700.00} that was dated back XXXX from a capital one and it was charged off XXXX. Im reporting this account as fraud because my brother has used my name in several attempts to receive credit cards for financial gain in my name. For I have no knowledge of this account and I'm also attaching a official document from his parole officer that he has been using my name with a FBI number that's listed on the document .and I have also re-enter a fraud alert with capitol one with this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state. 
Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit information belonging to someone else witha similar name has been reporting to my Transunion credit report. 

XX/XX/22 and XX/XX/22 disputes were filed with Transunion : XXXX XXXX XXXX XXXX XXXX REMOVED ( belonging to XXXX XXXX XXXX ) XXXX XXXX Personal Loan REMOVED XXXX XXXX XXXX XXXX XXXX XXXX name REMOVED Some of the addresses associated with the unknown alias were also removed. 

I provided a substantial amount of identy documentation to Transunion that proves we are not the same person ( Birth Cert, SSC, Drivers License, Lease ). 

XXXX XXXX Credit Card responded to dispute immediately and claimed that the account was " VERIFIED '' but have yet to launch a proper dispute or provide proof of how they validated an account belonging to someone else. I did not initially notice the report because it had been reporting in good standing since its opening so my credit monitoring was not alerted. 

I have disputed with XXXX XXXX directly as well as Transunion with no resolve. I've been a victim of credit file merging and Identity theft for over 10 years. It is obvious the account holder is a completely different person. Transunion refuses to remove the inaccuracy even with verifying documents that helped remove the other information belonging to said person, off of my 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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: LA
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: OK
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:
The following account are reporting as charged off, an I havent received my XXXX C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We requested and received forbearance of 6 months on our mortgage beginning in XXXX. We were informed that our forbearance would end as of XX/XX/2021. In the interim we sought refinancing through another mortgage company and were informed that they would not consider our application until our mortgage with Mr. Cooper was current. We then contacted Mr. Cooper and requested the amount necessary to bring the account current. We paid that amount ( approximately {$19000.00} XXXX the next day. I specifically asked that we be provided with this information in writing and the representative declined to do so ; indicating that there would be a record of the conversation. We then made the regular mortgage payment that was to be due PRIOR to XX/XX/2021. Since then we have received numerous texts and emails indicating that we are behind in our mortgage. We were informed that we somehow missed two payments ( that would have been due during the forbearance period ) and we are gravely concerned with what may happen to our credit. We have had ongoing problems with this company that have not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a Chase Bank customer of many years. My husband and I have a Joint account that includes checking, savings and credit card. Over the past year we have experienced numerous duplicate payments to two particular payees. XXXX XXXX charge and XXXX XXXX. When I receive our bills, I immediately go in and schedule the payment to arrive by the due date, then shred my bill. This occurred 3 times in XXXX, then again earlier this year, which when I called customer service, they reversed one of them as it was in pending status. 

Today I see it occurred again on my XXXX XXXX scheduled payment. It is in pending status so I called Customer service to have one removed. They refused to help me because my husbands name is first on the account and he was not here to participate in the call. He is out of town. I stressed that I am a joint account holder, have all the verification info needed but she said that even her manager and supervisor would not be able to help me and that I would need to call when my husband is home. I stressed that this is in pending status and by the time we call tomorrow ( he is expected home late tonight ) it will have gone through. The amount is not insignificant, {$700.00}!! I can't have this pay twice! So I go up to my local branch, fuming. The banker understood my issue and stated they should have been able to help me. He made the call. He was met with the excuses that it can not be reversed, with the representative even insinuating that I had made the error and paid it twice! FYI, in the past other phone representatives when they did help clear it also insinuated that. In the end, he was told that I had to call tomorrow after it fully posts and file a claim!!! 

This is just terrible customer service! Why do these double transactions keep occurring? News articles on XX/XX/XXXX indicate that this issue had been resolved and they were immediately crediting duplicate transactions. IT IS NOT RESOLVED!!! MY ACCOUNT IS NOT BEING IMMECDIATELY CREDITED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: DC
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 need these hard inquries removed from my credit reports. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: OK
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:
These accounts do not belong to me and are reporting on my credit report inaccurately. The name on the accounts and that equifax is not mine. The accounts below belong to XXXX XXXX not XXXX XXXX XXXX. 

XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXXXXXX XXXX XXXX XXXX XXXX and discovered that EQUIFAX at XXXX XXXX XXXX in XXXX, GA XXXX placed a fraud alert on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: AZ
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:
Dear Equifax RE : You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed.

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 



Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. 

The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations. 




XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 



You supposed to add notice within 30 days not 1 day over as I have proof.As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the dates XX/XX/2023 and XX/XX/2023, XXXX transactions totaling in {$1200.00} were deducted from my savings account with the description XXXX XXXX XXXX XXXX. Once aware on XX/XX/2023, I filed a dispute. The investigation was found to be invalid due to my authorizing the transactions. When contacted, the financial institution was unable to provide evidence of my authorization. We proceeded to reopen the case. I also contacted XXXX to look into information about the transactions and was unable to get further information.

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 2023-02-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th XXXX to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$2500.00} -This is not my account.

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 2023-02-14
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX  it appears an account was opened under my identification info at Synovus bank amount {$25.00}. Found out when letter arrived via snail mail letting me know {$5.00} was taken out for low account balance and now just remaining {$20.00}. I contacted synovus and they set up a flag as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland credit management inc. is trying to get paid for an account that I paid in full when i recieve the first bill. 
They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
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: Information is missing that should be on the report

Complaint:
2 accounts was removed from my credit report not giving me a Fair Credit report. 
XXXX-OPENED XX/XX/XXXX- UNSECURED LOAN, {$32000.00} XXXX- OPENED XX/XX/XXXX. 

BOTH POSITIVE ASPECTS OF MY CREDIT REPORT THAT HAS NOT BEEN REPORT IN THE PAST SEVERAL MONTHS. 
Per FCRA PAID DEBT SHOULD REFLECT INDEFINATELY OR AT LEAST TEN YEARS ON MY 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 explanation
Consumer complaint received 2023-02-25
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 : 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 non-monetary relief