BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroenous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX Late Date XX/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 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I purchased a service contract from a marketing company, with a contract, then a soon as the contract was signed, the service was not rendered. I completely forgot about it, after a while a started a dispute and we keep fighting and the credit card company already told me that I'm out off luck at this point.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Information belongs to someone else

Complaint:
I HAVE SEVERAL INACCURATE INFORMATION ON MY CREDIT REPORT, ACCOUNTS THAT MY NAME IS MISSPELLED SEVERAL WAYS 7 DIFFERENT WAYS ADDRESS I HAVE NEVER LIVED AT JUST COMPLETELY INACCURATE YOU ARE RESPONSIBLE FOR REPORTING ACCURATE INFORMATION AND THE INFORMATION I WILL PUT IN THE DOCUMENT SECTION THE MISSPELLING OF THE NAMES ARE LINKED TO SEVERAL UNKNOWN ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX THESE COMPAINES ARE REPORTING DEBTS AND THEY ARE UNKNOWN/FRAUD I WILL BE FILING WITH THE COMPAINES INDIVIDUALLY WITH A POLICE REPORT NEED BE. 
ADDRESSES THAT ARE INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX TEXAS NAME SPELLING INACCURATE NAME IDENTIFICATION NUMBER XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I TRIED TO GET THE UPDATED INFORMATION AND I WAS UNABLE TO GET MY FREE REPORT FROM ALL THE FRAUD MY SOCIAL IS LOCKED?

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 2023-04-18
Company: EQUIFAX, INC.
State: PA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I signed up with XXXX  XXXX through XXXX XXXX, I was told I could exit the contract at any time without early termination fee since I am a XXXX 's XXXX  member. 
I was not satisfied with the service and I call XXXX  XXXX  to inform them and told them that I was going to cancel my service. 
1. On XX/XX/XXXX, the amount of {$610.00} was debited from my account. 
2. I called XXXX  XXXX XXXX to complained about the exit fee that was not supposed to be included in the amount due. 
3. On XX/XX/XXXX, the amount of {$610.00} was credited back to my account. 
4. After investigations, XXXX XXXX XXXX determined the charge was legitimate and asked me to call the creditor solve my request 5. On XX/XX/XXXX, the amount of {$610.00} was debited from my account. 
6. I called XXXX  XXXX several times to request the reimbursement of the exit fee without success. Not receiving any positive feedback from XXXX  XXXX, I called XXXX XXXX to complain about the situation. 
7. On XX/XX/XXXX, amount of {$180.00} was credited to my account by XXXX  XXXX. 
I am surprised that Unilaterally and without any contact with me in that regard, XXXX  XXXX sent my account to collection through Credit Management control. This action damaged my credit score and consequently my reputation. XXXX  XXXX XXXX closed two of my credit cards as a result of my new low credit score I request your help to solve this situation as soon as possible with the repair of my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX said that they deleted the debt from all credit bureaus but Equifax refuses to delete the debt. I have sent dispute letters to Equifax XX/XX/2020 and have yet to receive any acknowledgment back. Equifax thinks they are above the law. Per FCRA credit reporting is supposed to be accurate. Equifax has allowed inaccurate information to be on my credit report. The collection agency sent a deletion to Equifax and they are ignoring them. I have inquiries on my credit report that wasnt made by me and yet Equifax still allows them to be on my credit report. I have no choice but to sue them if they dont remove this collection and inquires in 30 days. Equifax needs to know they have to obey the law like everyone else. Equifax is messing up my credit by not reporting accurate information. I cant even buy a house because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
Account Number XXXX On XX/XX/2020, I XXXX XXXX purchased a XXXX XXXX from XXXX XXXX XXXX, located in XXXX, NJ. Unfortunately after further review the vehicle was unsatisfactory and realized there was information about the vehicle that wasn't provided at the time of purchase. When I took the vehicle for a test drive I informed them that the vehicle kept shifting to the right. I asked that the issue be fixed before I agreed to buy the vehicle and they agreed. When I returned to purchase the vehicle everything seemed fine. About a week later the vehicle started shifting towards the right again. Took it back to the dealership and explained that the car still had the same problem. After further investigation I looked up the VIN number and realized the vehicle had been in an accident on the passenger side and this information was not provided to me at the time of purchase. I was accepted for a loan thru Credit Acceptance in the amount of {$19000.00}, after looking into it I realized that not only was the car not worth that price, in top of multiple hidden fees, the price on the car was raised. On XX/XX/XXXX  the car was listed at {$13000.00}, on XX/XX/XXXX  {$13000.00}, and XX/XX/XXXX  {$17000.00}, which is when I purchased the vehicle. Not to mention the {$200.00} cash I had to pay for my registration and plates. 

Furthermore, after I stopped payment on the vehicle, not only did they call everyday, they even sent a check book with my Credit Acceptance account number preprinted on it, with a letter stating that it was to help with payment of the vehicle. I eventually voluntarily surrendered the vehicle and it has caused a very negative impact on my life and on my credit report. 

I managed to pay {$11000.00} towards the debt, and brought down my outstanding balance of {$25000.00} to {$14000.00}. The fact that not only was the price of the vehicle raised by {$4300.00} at the time I purchased it, an extra {$1700.00} was tackled on top of all that, plus the outrageous interest fees I was being charged. At this point I feel since the original price of the car was {$13000.00} six months prior to the day I bought it, I have satisfied what was owed on the vehicle. 

At the moment I do not have a steady place of residence so please email any correspondences pertaining to this matter to my email address XXXX. 

Thank You

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 2023-10-22
Company: T.S. Holdings
State: IL
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:
It appears that the Company IQ DATA INTERNATIONAL have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the XXXX. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.

You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX I started this process. 
- Through electronic relations, I requested the mortgage being reported to be reviewed. Inaccurate information, my x-husbands was to carry the weight of the mortgage for he lived in the house. 
- The credit report changed but still remained in the report hurting my credit. 

XXXX, XXXX I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; I was on hold for over 48 hours. While I remained on hold I used 2 other phones to engage in 3 separate phone calls lasting between 3-5 hours on hold. On hold the entire time never engaging in conversation to help resolve my situation. 

I have a court order document - proving my x-husband to be the sole responsible party in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled up my credit report on XX/XX/XXXX in I noticed an account from Midland credit management- XXXX. I have never entered into a consumer credit transaction with this company. I asked for proof that I owe this company this alleged debt, I never received anything from them. I also noticed that the start date for this account is XX/XX/XXXX which makes no sense because I never got a chance to dispute this alleged debt before it being furnished on my consumer report. If the company can not provide sufficient evidence and the method of verification for the account then it should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TD BANK US HOLDING COMPANY
State: VA
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:
TD BANK XXXX XXXX is still showing a {$420.00} charge-off entry on my credit report. This account was fraudulently opened and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I used the Home Depot Credit card to make a purchase for my business in XXXX of 2023. In XXXX of 2023 my business tried to make a payment to this debt, and the check was sent back. My business Partner and I decided that I would make the payment from my own checking account and be reimbursed by the business. I made this payment in late XXXX after I was informed that the original payment was rejected. For some reason, This payment was applied to the wrong account. I called to fix this on XX/XX/XXXX and was assured that the {$200.00} payment that I made was applied to the write account. On XX/XX/XXXX I got another delinquent notice. I called on XX/XX/XXXX and was told that the money was transferred but not applied to the amount due. While on the phone I was assured that the payment would be applied to the amount due and my next due date would be XX/XX/XXXX. On XX/XX/XXXX I got notified that a delinquent notice was put on my credit report. I called again and Home Depot said that it would take five days to get the payment applied to the amount due. I asked that the delinquent notice be removed from my credit report. After many calls, someone finally said that they had put in a request to have the delinquent notice removed from my credit report but that it would take 14 days. Right now my credit rating is XXXX points lower and I have to wait 14 days for it to change. This is frustration and I want people to know about this practice at Home Depot Credit Services

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 2023-02-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We moved out of our apartment complex nearly 2 years ago, I received a notification on my credit report that there was a charge that was taken to collections. I was not given a bill or any additional information. We still have yet to receive a bill. They apparently sent it to the wrong address and never attempted to call or email us, even though they have all of that information. We would like to dispute this off of our credit report, as soon as we found out about it from our credit report, we paid it right away. 
Debt amount : {$240.00} Account # : XXXX Creditor info : FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MD 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 2021-01-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I refinanced my PHH loan I had for less than a year to get away from them, because of their horrible customer service. During the refinance process PHH gave incorrect payoff information to the Title Insurance Company, they did not include my last XXXX XXXX XXXX payment, so the Principal balance, interest etc. was higher than actual. I figured they would correct it with their PIF check refund to me. However, they didn't. Right now they owe me over {$2000.00}, but they are not willing to acknowledge their mistake. I sent couple of emails to get the issue resolved and their escalation officer called me on the phone, but he spoke poor English and couldn't follow my explanation. 
Their Response Letter to me, dated XX/XX/XXXX, gives a breakdown of the payoff funds, but it is mathematically incorrect.

Company response to consumer: Closed with explanation