BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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: Account status incorrect

Complaint:
Equifax had yet to correct my credit report. XXXX - XXXX # XXXX is mistakenly reporting a late payment in XX/XX/2022. This is a complete error and needs to be rectified right away. The account was paid off on XX/XX/2022. See proof from the Title company and letter from XXXX attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX  Date Opened : XX/XX/ Balance : {$1000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposits not available for use and account restrictions due to banks fraudulent activity. Card not in use and funds not available. Here is proof of deposits

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 2022-06-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown as XXXX had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. 

Someone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: SCA Collections, 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: Account status incorrect

Complaint:
SCA Collections in XXXX NC placed a collection on my credit report for {$29.00} on XX/XX/XXXX and one for {$69.00} on XX/XX/XXXX from the same creditor XXXX XXXX XXXX. I contacted SCA collections directly and told them that ALL my bills from XXXX has been paid in full and requested them to take this off my credit report with the 1st reported {$29.00} and they refused and was very rude and unprofessional on the phone. So I contacted XXXX XXXX XXXX and spoke with XXXX, XXXX and XXXX several times and they stated in quote, " I have looked all the way back to XXXX and you HAVE PAID ALL BILLS IN FULL, There are NO collections and they have had problems with SCA collections. '' They then told me that they will send a updated report to SCA Collections. I called SCA collections again when the {$69.00} collection appeared on my credit report and again they were very unprofessional and stated they were not taking it off my report until I paid them. I re-laid information back and forth for days trying to get this resolved. An XXXX dispute is in progress now and another XXXX dispute was requested because the first dispute verified my information was correct but no change was made to my credit report. I have now received a bill from SCA Collections for {$270.00} for XXXX XXXX XXXX and I am worried that they are going to post that as a collection on my credit report. They are fruadently recording collections on my credit report that don't exist and I really need your help getting these off my credit report. I want to file a complaint on SCA collections for fraud and their customer service was horrible, unjust and very unprofessional.

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 2023-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/XXXX. company received my disputes on XX/XX/XXXX as it shows according to certified mail. It is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: TN
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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ADVISED MY CREDIT CARD WOULD HAVE RESTRICTION LIFTED. CONTINUED TO HAVE AN ISSUE PAYING DUE TO ILLNESS, CALLED AN EXPLAINED MY SITUATION, ADVISED OFFER TO LIFT RESTRICTION ON CC WAS RECINDED- BUT WOULD BE PLACED BACK ON ACCOUNT IF PAYMENTS ARE MADE AND ACCOUNT UNDER LIMIT, CALLED XX/XX/19, ADVISED RESTRICTION STILL ON ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TN
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'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-06-07
Company: EQUIFAX, INC.
State: SC
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 contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I called several times, since XX/XX/14 requesting refund of overpayments on loans ( {$9900.00} total ). Was told several times that this refund would be issued in XXXX business days. It has been almost XXXX  months and refund is yet to be issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Stenger & Stenger, P.C
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Debt collectors employed by Stenger & Stenger P.C. ( " Stenger '' ) by the name of XXXX XXXX ( " XXXX '' ) and XXXX XXXX ( " XXXX '' ) who falsely identify themselves as an Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for a consumer credit transaction that I initiated for a credit card on behalf of Absolute Resolutions who purchased the debt from XXXX  XXXX for a XXXX XXXX XXXX XXXX XXXX. I am the original creditor for the consumer credit transaction. XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX XXXX my direct consent to initiate credit sales or share my private identifying information with anyone. XXXX XXXX and Stenger & Stenger P.C. also did not have the permission from a court of competent jurisdiction to communicate with me. This was all done for monetary gain and greed. XXXX and XXXX took legal action against me by filing a lawsuits against me. I was never properly served legal documents. They did not have authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. A default judgment was ordered against me. They took legal action against me in a county I did not reside in. Now my private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. Stenger is also invading my individual privacy by accessing my Employee Data report through XXXX  in order to locate an employer I do not have to resume garnishing wages I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made my mortgage payment to XXXX XXXX on XX/XX/2021 for my XX/XX/XXXX payment. They did not apply that money to may account, and now they say I am a month behind. I can't refinance my home and my credit score dropped 61 points because of it. The payment schedule from their web site shows the money is in Unapplied Funds, but I can't get anyone there to see that, and to correct the issue.

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 2022-02-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
One or more than one employee at Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, Florida stole {$1200.00}. From my checking account. On XXXX XXXXXXXX XXXX a deposit error occurred at the ATM machine. I immediately reported the error by calling the phone number on my debit card and was assured by the Wells Fargo representative that my money was safe in the machine. That phone call was recorded, however, Wells Fargo refuse to reference the phone call. 

On XXXX XXXXXXXX XXXX the ATM machine was reconciled. This is where the theft of {$1200.00}. took place. 

On XXXX XXXX, XXXX Wells Fargo credited my {$1200.00}. To my account. I believed the error was rectified and the matter was closed. 

On XXXX XXXXXXXX XXXX  Wells Fargo stole my money for a second time. We were shocked to find our accounts demolished when we tried to buy groceries. My wife who is XXXX took sick in the super market and had to be assisted. I am a XXXX XXXX XXXX XXXX veteran who is being victimized by Wells Fargo. 

Wells Fargo refuse to answer any questions or respond to my complaint. Criminals are working and being protected by branch management

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 2023-04-27
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi, this is a follow-up on XXXX XXXX. For context, Incomm Financial Services locked my visa gift card in XXXX and still havent provide any resolution. I received an email from InCommLossPrevention@incomm.com claiming my gift card has been activated and available for use. But when I tried to pay rent with the card, the payment was declined. They also replied in Case XXXX claiming A replacement card in the amount of {$500.00} was expedited via XXXX to the address provided in the complaint.. I havent received anything and my XXXX doesnt show any package coming my way. When I called them last week, I was told by the customer representative that it takes 4 business days for the card to be activated. When I called in today, I weas told that I need to wait for 24-48 business hours in order to get an update on the case. I was also told by a supervisor from Incomm Financial Services that the week of XXXX XXXX doesnt count as business days. At this point, this company looks like a fraud and the customer representatives keep gaslighting me but no resolution has been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related 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