BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We are a Non-profit foundation for cultural/spiritual work, I have paid a company for Publishing services, 10 articles and XXXX publishing XXXX they published 2 articles and then ignored my Calles and communications. They never did anything about rest of the articles and never published our XXXX page. 
I tried to dispute the charge. Capital one credit card said they claimed they published 4 articles and finished the job and they closed the case. The service is not done, wasted the time and then said the time for dispute is over. I have lost the money and time and Capital One is working in the service of scammers instead of customers. I talked to their representative and submitted the documents they needed. The day after they sent me a letter requesting the same documents. I already uploaded the documents by the link their specialist had provided. 
Now they are saying you didn't respond to our letter we closed the case. The money is gone, the work is not done, Scammers got the hard earned money. The Capitol One Bank is a supporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
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 XXXX  Accounts # XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX  DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act XXXX account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I file a Dispute in regards to the incorrect items on my credit report it is well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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 XXXX  Accounts # XXXX XXXX have 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 an account without my written instructions.

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 2022-04-18
Company: EQUIFAX, 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 account attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: ALLY FINANCIAL INC.
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-01-28
Company: EQUIFAX, 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:
On XX/XX/20 I've sent letters to the consumer agencies for violating the laws of 15 US 1681a, 15 US 1681n, and 1681o. I can not wait for another 30 to 45 for action to be taken during these times of financial strain during COVID 19. I and my family have been embarrassed and stressed about the damage that's been caused. Also, there was NO written form of communication, contact, a signature for these unauthorized inquires that I'm accused of. An unauthorized inquiry without a signature does not validate the inquiry. According to the FCRA, has violated my rights as a consumer and I'm requesting legal action to remove and delete these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is reporting inaccurate addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX, MO 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 2022-04-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
midland credit management is sending threating letter about a credit card that some one eles used in my name i made a report agaist them and they still sending me threating me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: LA
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:
please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/22 off my credit report or provide proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
XXXXXXXXXXXXXXXXXXXXXXXXXXXX,OHXXXXDOBXXXXSSXXXXMyinformationisclearlyshownabove.Afterthiscreditfreezehasbeenfiled,pleaseforwardmeawrittencopyofmyfullreporttotheaddressIhaveconfirmedabove.
IwouldliketorequestasecurityfreezeplacedonmyConsumerDisclosureReport.
Ichoosetoopt-outofyourdisclosingfutureinformationuntilfurthernoticeincludingtheCreditReportandotherfurnishedinquiresregardingallpersonalinformation.
Thissecurityfreezerequestnotonlyrestrictscreditbureausandcreditors,butalsofuturepotentialemployersuntilIliftthisrestriction.UndertheFairCreditReportAct,youarerequiredtocomply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized

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 2022-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been working with a mortgage company for XXXX week and a half now and they are unable to pull my Equifax credit score. 

I phoned Equifax on XXXX-22- spoke with a representative who stated there was nothing on their end that was causing the problem. No freezes or fraud warnings the company should be able to get the credit score. 

Phoned Equifax again on XXXX22 as unable to pull the score. Again, as noted above they stated that all information was correct and the company should be able to pull our score. 

Phoned Equifax again on XXXX-22. I verified that my address online with them and the address my mortgage company was submitting is the same and correct. Still unable to pull my credit score- on the phone with a representative for XXXX minutes trying to see what is going on. They were still no help, stated the mortgage company should be able to get the score. 

Phoned Equifax again on XXXX22 as the mortgage lender is still unable to pull our score. They have spoken directly with the company that pulls the credit, they stated that I need to contact Equifax again as it is nothing on their end. 

If I don't get this resolved I will miss out on the property we are wanting to buy to build our home. This is absolutely ridiculous. No one is helpful at all at Equifax customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the date of XX/XX/2022 UNITED REVENUE has added a derogatory remark on my credit report per XXXX XXXX and XXXX profiles. upon further research, this account was transferred/sold and. Debtor 's did not verify this collection. also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and state it belongs to me. According to the FCRA, UNITED REVENUE. INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Account status incorrect

Complaint:
My loan was Modified XXXX of last year, the new servicer began reporting my loan past due and updated my payment history to show me as past due. They claim the modification is still pending 14 months later. Also they claim they are selling my loan to an investor from XXXX  to a private investor and this is why it's causing a delay.

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 2021-01-28
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a charge from XXXX on my credit report and Ive never applied for a XXXX credit card or used a XXXX credit card! This card was apparently opened in XX/XX/2018 and is somehow attached to my credit report! Ive disputed this account through the XX/XX/XXXX as well as through the company itself, to no avail! This is affecting my credit score and hindering my attempts to improve my credit score! I have no idea what to do next?!?! Please advise!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: GA
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:
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  Account XXXX Account Name : DPT EDXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2018-09-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the course of 14 years, Wells Fargo caused financial harm to my family and I by aggressively inflating mortgage insurance, cutting a side deal with insurance carriers, and over charging my account for lender placed mortgage insurance and fees. The market place value for the insurance coverage is significantly less than what I paid while the coverage is skimpy. Additionally, the lender entered into a settlement for their egregious unlaw practice and failed to include my family and I in the settlement.

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 2023-06-23
Company: LEXISNEXIS
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:
NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from Lexus nexus remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( Lexus nexus ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: MD
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 dispute two accounts with Equifax. every time this accounts come back verified. 
account. 

1 # XXXX XXXX XXXX XXXX 1.the date of first, requested who did Equifax Please tell me how you VERIFIED the account referenced above?

2.Who did you talk to at the original credit grantor?

3.Did you write them?

4.Was a XXXX  form used or was this through electronic automatic dispute verification?

5.Did you contact them at the same address/phone number listed on my report?

6.Tell me exactly how you verified them and include the full name of the person you spoke with.

7. Also, what is the date of the commencement of delinquency?

8. The original creditor is required to give that to you. So when is that?

9. And when will this trade-line be past the reporting timeframe? 

I contacted the XXXX XXXX XXXX XXXX  myself to ask if they had spoken to anyone at Equifax they informed me no. 

also after disputing this account they updated inaccurate information instead of removing the account and its entirety. 


ACCOUNT # XXXX XXXX XXXX  XXXX XXXX THIS ACCOUNT HAS BEEN RE-AGED XXXX. DATE OF FIRST DELIQUENTCY IS INACCURATE XXXX. ACCOUNT HISTORY IS MISSING INFORMATION XXXX. MONTH RECEIVED INACCURATE XXXX. TYPE OF ACCOUNT SHOWS OPEN ( NO COLLECTION ACCOUNT SHOULD HAVE A STATUS OF OPEN ) XXXX. THIER SHOULDN'T BE AN AMOUNT PAST DUE, I DID NOT TAKE OUT OR RECEIVE A LOAN WITH XXXX XXXX XXXX. 



PLEASE SEE ATTACH AS ITEMS ARE HIGHLIGHTED.

Company response to consumer: Closed with explanation