BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the validity of an account held by your company, XXXX XXXX XXXX, as it pertains to my personal financial records. Pursuant to the provisions set forth by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the alleged debt associated with the aforementioned account. 

Account Details : Account Number : XXXX Original Creditor : XXXX XXXX Date of Account Opening : XX/XX/2022 Amount in Dispute : {$150.00} I believe there may be inaccuracies and discrepancies regarding the aforementioned account. Under the FCRA, I am entitled to receive a written response within 30 days of this letter and a detailed investigation into the matter. During this investigation, I kindly request that you provide the following information : Verification of Debt : I request that you provide valid documentation verifying the debt, including the original contract, signed agreement, or any other pertinent documents proving my liability for the alleged debt. It is essential that the documents clearly establish my obligation to pay.

Verification of Creditor 's Authority : Please provide proof that XXXX XXXX XXXX has the legal authority to collect on this debt and that the debt was assigned to your company lawfully. 

Validation of Reporting : If you have reported this debt to any credit reporting agencies, please provide proof of accurate reporting. I request that you furnish any supporting documentation demonstrating that the account information has been correctly reported, including dates and amounts. 

Cease and Desist : In accordance with the FDCPA, I kindly request that you cease all communication with me regarding this debt until the investigation is complete. This includes phone calls, letters, and any other means of communication. Please restrict any contact to providing me with the requested documentation and notifying me of the results of the investigation. 

Failure to comply with the aforementioned requests may result in legal action. If it is determined that any violation of my rights under the FDCPA or the FCRA has occurred, I reserve the right to pursue all available remedies under the law. 

I would also like to request that you confirm in writing that this dispute has been received and is being investigated. Additionally, I kindly request that you provide me with the contact information for your designated agent for service of process, as required by the FDCPA. 

Please direct all correspondence, including the requested documentation, to the address listed at the top of this letter. I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. 

If you do not any proof, you must delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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: Information belongs to someone else

Complaint:
I have tried to get these hard inquiries off of my credit report because I did not authorize them. I tried on multiple occasions to get XXXX, equifax and XXXX to remove these unauthorized claims from my account. This is what I submitted to them. Notice of Dispute, Intent to Litigate for Impermissible Credit Pull.

I recently pulled a copy of my consumer report and I notice inquiries that I did not authorize.

The fair credit reporting act says that the only permissible purpose for pulling someones consumer report is for : 1. Firm offer of credit 2. Insurance 3. Court order 4. Employment These inquiries do not have a permissible purpose they are not attached to an account : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX + XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove the listed inquiries from my consumer report they were not authorized Outside of what I just listed above according to the FCRA these inquiries do not belong on my consumer report letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
incorrect information on 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 2020-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to Freedom Mortgage to save my home on XX/XX/2022. 
I have been through hardships in the past 12 months that caused me to be unable to communicate with the mortgage company. 
They provided a loss mitigation packet i recieved through the mail. 
I filled out loss mitigation packet and submitted for review on XX/XX/2022. 
I called everyday to ask for updates and mentioned Auction date of XX/XX/2022. 
Freedom Mortgage told me not to worry about the Auction date even on the phone call that took place XX/XX/2022. Once Auction was held Freedom Mortgage said their is nothing they can do to help me. I believe its my right to save my home and Freedom Mortgage misled me. I wanted to file bankruptcy to help the foreclosure but because of the bank having open communication with me i did not and that caused the courts to approve sale. 
I would like to stop foreclosure sale and come to an agreement with Freedom Mortgage so that we both come out fair.

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 2023-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I hired a moving company via XXXX, aka XXXX, to move my household goods, into a storage unit. Because i had utilized the service numerous times before, I was under the impression that, as before, i had to give the moving company the payment code after my time was up and submit a complaint AFTERwards as, previously, the money was not released to the moving company until i gave a review. The moving company i hired did not complete the job, so i contacted XXXX and informed them of the situation. When i talked to their customer support, it was then i found out that I was not to give them the payment code if i was not satisfied ( this was not listed anywhere in the contract nor the website ). I was advised by customer support to file a complaint with my bank to get my money back. I file a complaint with my bank for services not rendered against the moving company, on the advice of XXXX XXXX. After months of waiitng, the bank reversed the charges on my account, resulting in my account being negative {$400.00}. Capital One then charged off the account and placed my name into a banking " credit repor '' resulting in my inability to open an account anywhere else. 

Capital One used a 3rd party to deny my request to recoup my funds- they never took into account a copy of the text message exchange between myself and the actual merchant, the moving company, in which he admitted he did not do the job. Capital One took the word of XXXX, who was the middle man and took the payment. After numerous request to get a copy of what they used to deny my claim, all XXXX submitted was a one word statement from the moving company where they asked him if he completed the job, to which his reply was " yes ''. 

Capital One asked me to submit my request to investigate this card fraud 4 times ... and denied it all 4 times. Only once did they send me a request for information- and that was when i ASKED them why they never asked me for proof. Only once did they send me a copy of their investigation. And that was when i kept telling them that ive asked for this information, repeatedly. To date, i have only received a copy of the results of their investigation ONCE, despite their having supposedly investigated this 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Automated Collection Services continuously sends me letters claiming that I owe {$4100.00} to XXXX XXXX XXXX. I have never had services with XXXX XXXX XXXX. I reached out to Automated Collection Services over 60 days ago via certified USPS letter ( I attached a copy in the CFPB document portal showing when they received my complaint ). They have yet to respond. What they did was buy some erroneous debt for pennies on the dollar in hopes to turn a profit from it. They obviously didnt try to verify this with any official documentation. This company is HORRIBLE. Every time I call they give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: SYNCHRONY FINANCIAL
State: NY
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: Problem with personal statement of dispute

Complaint:
I had purchaced item from Amazon.com. item came box damaged and the item was broken monitor. i had send it back to third party, it was received but never given credit. I had complained twice to Amazon, nothing was done. I had complained to Syncronicity credit card, i got nothing. I had filed again with credit card again. so far noth9ing is done. I have send credit card all info I just mentioned with receipts, which im forwarding to you. Please check it out and if anything is need more, if I have i will send you. Tnx

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 2020-02-26
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:
I am a victim of identity theft. I had my personal information used to open fraudulent account that i did consent to. A few years back i had my bookbag stolen at a mall.I have tried. It is hurting me I have tried getting this matter resolved with the credit companies and nothing gets handled. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a Synchrony/Care Credit account beginning of XX/XX/2021. I received the card and I tried to use it and couldn't. They told me that I had to send a copy of my Driver License and Utility Bill to confirm my identity and address which I did on XX/XX/2021. Later on XX/XX/2021 my account was closed with no explanation. I called on XX/XX/2021 and they told me that it was due to high risk and there was nothing that could be done. There was no proof nor any explanation and I believe they are discriminating against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted several times by National Credit Systems about debt to XXXX XXXX apartments for a debt I do not owe. I have been threatened several times via phone and have one recording of such. The threats include damage to my credit and making sure I would never get " another '' lease again, although I wouldn't need to ever have to worry about that. profanity used several times. I sent them 2 letters to no longer contact me cease and desist. They still call and harass. I obtain legal representation to have this matter cleared up and have provided them with my attorney 's information. If this continues and this account is not removed from my credit record I will pursue legal action against all parties involved including a XXXX XXXX XXXX who now has the account. I am sick of the harassment and do not owe this debt. I have provided an affidavit that was notarized and filed complaints with the FTC, your agency, the Georgia State Bar, and Attorney General 's office. I do not owe this debt in any way shape or form. I have retained an attorney and will pursue this as long as I need too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-24
Company: EQUIFAX, 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: 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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NM
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We ( My wife and I ) are elderly immigrated who have moved to the USA from XXXX to stay with our children in the USA. We have children in XXXX XXXX  and XXXX 

We both have green-card, social security and an state ID from Ohio. We even have our XXXX Tax return. 

We went to Wells Fargo at XXXX XXXX XXXX, XXXX XXXX, FL XXXX where my children also have some accounts. We spent significant amount of time with the one of bankers ( Mr. XXXX XXXX XXXX and presented our Social Security cards, State ID, Green-card and etc. 

The banker made numerous calls to see if he can open account for us, we over heard the calls that he was asked by other party on the line " Why can't you open their account '' and he replied " Because they are XXXX ''! 

He made about 3-4 phone calls until someone finally told him, " NO ''! 

It sounded that he deliberately tried hard to find an excuse not to open an account for us and in COVID-Era he kept us in the branch for over 2 hours! 

We do believe that the cause of denial was discriminatory and even after we called Wells Fargo customer service, they were surprised that the banker refused to open an account! 

Bank may talk to my daughter regarding this issue too

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