BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-31
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:
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 be investigated and corrected from erroneous reporting in my file 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This company, XXXX, says that I owe them money and that my account is in collections when that its not true. I owed XXXX XXXX XXXX  for equipment they CLAIMED they never received. I paid XXXX XXXX XXXX, not this XXXX  company as I don't owe them anything. I paid XXXX & XXXX XXXX. Yet this company placed this on my report as a collection and in turn Transunion dropped my scored by XXXX points. I contacted XXXX and they removed it. Yet Transunion has not responded. I showed them proof. I contacted XXXX  and gave them the proof, although I dont know why I had to do that when it is an XXXX XXXX XXXX account. So they should be in this complaint as well. Yet, XXXX still sent this to the credit bureaus AFTER the fact. This is causing undue stress.

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 2022-10-31
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number 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. 

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 2019-07-05
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a my background report from First Advantage XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, I never lived in XXXX XXXX XXXX XXXX XXXX, then I've been at XXXX XXXX XXXX XXXX, since XXXX, no breaks. It says I've been there XXXX then there's no XXXX, it skips to XXXX. I am still living here. 

In Texas Department of XXXX XXXX XXXX XXXX, TX there's a case under XXXX, Date case XX/XX/XXXX, Defendant : XXXX XXXX XXXX, XXXX : XXXX, Charge : Drive while intoxicated with Child Passenger, Charge Case : Felony, Disposition : Convicted, Disposition Date : XX/XX/XXXX, Sentence : Fine XXXX ; Costs XXXX ; Confinement 18 Months ; Probation 4 years. 
That is not me! My middle name is not XXXX! Its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On the evening of XX/XX/21, I logged onto my online Wells Fargo portal and was shocked to see a late mortgage payment. To my knowledge, the account was on autopay from a linked Wells Fargo checking account, just as it has been since the inception of this mortgage. I immediately paid the past-due amount and re-initiated autopay in that moment. 

Subsequent communication with customer service resulted in a false accusation that I previously disabled autopay via the online portal. I did not this action and there is no written or digital verification of this action. I keep a very high cash balance in my Wells Fargo checking account and would have no reason to sabotage my own credit or banking relationship. I asked why Wells Fargo hadnt attempted to contact me directly before levying late fees and reporting the late payment to consumer credit bureaus. I was informed that the only attempts to contact me had been made via unidentified XXXX numbers who do not leave voicemails. I received no written communication via US mail as of that date, email, the secure Wells Fargo online message portal, text message, or voicemail. Yet, in the absence of any real communication, Wells Fargo found no issue finding time to impose late fees and report a late payment to consumer credit bureaus. 

After disputing the late payment reporting, Wells Fargo has refused to amend the credit reporting despite the fact that they are directly responsible for the late payment. They keep referring to any basic dialogue or customer service as " a courtesy. '' Their actions feel shady at best, and are designed to work against the customer 's best interests.

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 2023-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 I disputed this with XXXX  requesting certain documents after 30 days waiting for the documents requested and under 15 US code 1692G they failed to provide me the documents I requested, but simply validated the information without providing me proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I informed and moved out of the apartment of the merchant in question, XXXX XXXX XXXX XXXX XXXX, FL, on XXXX, XXXX, that I had to break my lease because my contract with my employer ended on XXXX XXXX, XXXX. The manager stated that she would drop the early termination fee and that I would only owe the 60 days notice and other fees in relation to moving out.

1. The first invoice had all the fees including the early termination fee.

2. The second invoice had the corrected amount.

3. The third attachment illustrated that I paid XXXX XXXX in full. 

I have informed National Credit Systems every time they called in the final quarter of XXXX that I have paid XXXX XXXX in full and yet they persist in attempting to collect a non-existent debt. Finally, the last time they called in XXXX, I told them to quit calling me as they refuse to correct their records. 

Then National Credit Systems falsely accused me of being a deadbeat to the three credit bureaus. I was able to clear the matter with XXXX on XX/XX/XXXX ; but not with the other two.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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: Investigation took more than 30 days

Complaint:
US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: RAS LaVrar, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice of case assignments for my filing demands for consumer arbitration with XXXX. 
To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. From : XXXX XXXX. Please take notice that on XX/XX/2023, I filed multiple comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX which have been assigned case numbers. XXXX was served on XX/XX/2023 with all my individual case filings and XXXX other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees. The arbitration cases relate to every XXXX account which has been assigned to you as a Debt Collector, Including your files with reference numbers XXXX and XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of XXXX. I am confused that XXXX has assigned the same accounts to multiple law firms but some day XXXX may get its ducks in a row. As you know, I have been demanding for almost a year that XXXX file its claims with the XXXX pursuant to the arbitration provisions. Due to XXXX failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant. I strongly suggest that you promptly recommend to your client and get its approval to voluntarily dismiss all pending state court actions without prejudice to mitigate damages. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, a charge appeared on my Capital One XXXX  for {$55.00} at a XXXX XXXX in XXXX XXXX, California. The transaction posted on XX/XX/2022, but was made on XX/XX/2022. On XX/XX/XXXX I was in XXXX, XXXX XXXX, and XXXX, California. I was not in XXXX XXXX. I had not used the card in over a week, as I had been using a different credit card. When I saw the charge on XX/XX/XXXX, I contacted Capital One to report the fraudulent use of the card. The agent initiated an investigation and told me that it should be resolved shortly. 
On XX/XX/XXXX, I was contacted by Capital One, who informed me that they had found " insufficient evidence '' of fraud. I called to try to understand more, and was told that because I had possession of the card at the time, and the transaction showed that the chip was present, the company I believed had benefited from the transaction. Again, I was not in the city where the transaction was made on that day, and had not been in that city for many months. I was 60-100 miles away, using a different credit card, for which I have evidence. 
The company claims that the chip technology can not be tampered with or copied, and so they have determined that it is my responsibility to cover this charge, even though it is clearly fraudulent. They are, in essence, putting the financial fallout from a failure of their technology onto their customers. I tried calling Capital One again to further dispute the charge and to prove to them that I was in a different city, established by credit transactions on another card. They insinuated that I may have let the card out of my possession, that a family member might have used it. I live alone, and the card was in my wallet the entire day. They repeated that because the chip can not be copied, it isn't fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13
Company: Total Card, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX I went to use my credit card to rent a car from the airport. I had check my online account information prior to leaving to confirm available funds. It showed that I had more than enough funds available in order to complete the transaction for the rental car. Once I arrived at the airport and went to the rental car company to rent the car my transaction was declined. I told the attendant that there had to be a mistake and to rerun the card. The car declined again. I contacted the credit card company and was told that I had a lesser amount of funds available than what was shown to me online. I was told that the additional funds wouldn't be available until 7 business days. I asked them how could my online account information have something totally different then what they have in their systems and I wasn't provided with a direct answer only company XXXX. My statement is scheduled to close on the XXXX of each month. I check my online on XX/XX/2018 and my statement still had not closed. I contacted the credit card company was told that the information should be updated later on in the day. I check my online account several times throughout the day and still nothing had updated. The next morning I checked my online account and not only had the statement closed the day after but transactions were added into the statement that were still pending and has not cleared the account. I contacted the credit card company again and was told the that the credit card statement can close on different times of the month. Today I checked my statement history and the statement date is for the XXXX of the month however the statement includes transactions that show that they were transacted on the XXXX and XXXX of XXXX. I would like someone to investigate this company for fraud. How can the statement close on the same day the transaction was made? I have been given and shown misinformation each time I have contacted this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-31
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Visited Truist Bank to close account in XXXX 2022. Were told by a banker that the account was flagged as a fraudulent/unauthorized account. As of today, the account has been closed. Now, I am being charged for an overdrawn balance plus charge-off account fee! In addition, I received a letter demanding payment and that I may be reported to specialty check reporting agencies. This account was no opened by me. I have a police report indicating that my identity was stolen several years ago. I do not owe this money.

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