BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. 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 2021-12-02
Company: EQUIFAX, INC.
State: CA
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:
I spoke with XXXX representatives multiple times about these unauthorized inquiry accounts, and sent them letters and documents to their mailing address but they didn't remove then accounts. 

Also spoke equifax, and they did nothing to rectify this inaccurate and unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-03-28
Company: EQUIFAX, INC.
State: IL
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:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$510.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 
XXXX XXXX Balance : {$810.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$14000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
Also, I would like to request your verification of the aforementioned accounts. If you can not prove the items information to be 100 % precise, please correct them right away.

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 2022-09-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I previously had an unsecured credit card with The XXXX XXXX XXXX XXXX XXXX and it was charged on or about XX/XX/XXXX. The account was sold to XXXX XXXX XXXX. I paid the debt and collection on XX/XX/XXXX and the debt was removed from my credit reports. I disputed the original creditor on XX/XX/XXXX and received a nasty letter that they had spoken with me and I had made a payment on the account. All of this is true ; however it was before the account became negative. I went through a lay off and could not afford to keep up with the card payments and they were not willing to work with me at the time. When account was sold/purchased by XXXX XXXX XXXX XXXX XXXX able to pay off. 

On XX/XX/XXXX I tried disputing the charge off with the credit bureaus and I received an email from Experian saying that the account had been verified. I sent yet a second letter on XX/XX/XXXX in regards to inaccurate reporting and it came back verified as well. On XX/XX/XXXX. I sent my third letter asking Who? When? How?, the debt was verified. 

The XXXX XXXX XXXX XXXX has been updating my report as OK since the initial charge off and has since added two additional charge offs. XX/XX/XXXX charge off XXXX XXXX OK and an additional charge off XX/XX/XXXX after my MOV letter was sent. 

I have attached a copy of the reporting from XX/XX/XXXX and XX/XX/XXXX, so that you may see how the report has been updated continuously since the charge off.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me and is being inaccurately reported on my credit report having. 

I am making this complaint have this erroneous reporting removed. As in Wenger vs. Trans Union Corp., No. 95 6445 ( C.D.Cal. Nov. 14, 1995 ), XXXX will be liable for their willful noncompliance. 

In accordance with the Fair Credit Reporting Act under its laws : XXXX Account # XXXX has violated my rights by reporting this erroneous account. 

This account was part of an investigation of fraud and improper use of personal information from a marketing scam in XXXX via a 3rd party with inside misleading applicants using innocent consumers information collected as part of a resort tour. 

15 U.S.C 1681 section 602 A. States I have the right to privacy in accordance with the written instructions of the consumer to whom it relates.

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. I have not given permission for XXXX XXXX to furnish and or report any of my account information to the public or any credit bureau agency without accurate compliance with State & Federal Laws being applicable throughout.

15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishing information to any CRA if the furnished " knows or has reasonable cause to believe that the information is inaccurate '' which in this case it is. This information is inaccurate.

I appreciate your prompt attention to this matter.

Given that the furnisher has violated my rights, I am challenging this account. I am formally requesting this account be removed, deleted, and excluded immediately. This improper reporting is against the law.

Thank you for your time and help with this matter.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX TransUnion continues to furnish Incorrect & inaccurate information about me even after providing them with FTC Report Number : XXXX. I mailed them this on XX/XX/XXXX and and in response they sent me back two letters. 

Exhibit A The response to my previous CFPB ID # XXXX Stating they would not block the unauthorized transactions even though I attached my FTC REPORT XXXX Identification, Proof of Residence, and a utility bill from the last 30 days. Dated XX/XX/XXXX Exhibit B stating that they are unable to Locate Credit Report. Dated XX/XX/XXXX The accounts listed in the FTC Report do not relate to any transactions that I made or authorized. Please remove these accounts because they are inaccurate and unknown to me. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S. Code 1681i, I am requesting that the adverse information the accounts be removed to correct and update the information. Please REINVESTIGATE these matters and delete the disputed accounts as soon as possible : XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These were not authorized please remove them from my credit report! 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Which state that these accounts must be removed within 4 Business Days of receipt. Also, please send a copy of my updated credit report to the address above. 

Sincerely, 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.

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 2022-03-18
Company: U.S. BANCORP
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/22 I received a call from my US Bank stating that there was a {$5.00} ( estimated ) charge on my debit card that had been flagged as fraudulent. This was caught by their fraud team and they were sending me a new card. I thanked them and went about my day. About 2 hours later I received a text message from a number claiming to be a US Bank Fraud Alert asking if I had authorized charges to my debit card ending in XXXX ( my actual card number from the previous fraudulent transaction ) in the amount of {$19.00} to XXXX and a pending charge of {$3500.00} dollars to XXXX. The text stated to reply YES or NO. I replied NO. I then got an automated reply that I would be receiving a call shortly. I received a call a few minutes later from XXXX ( which is the official US Bank customer service number on the back of my debit card ). The individual stated that he was a fraud department member and needed to help me with the fraud charges. Since I had already received the call earlier I did not question the validity of this claim right away. He proceeded to walk me through how to reverse the XXXX charge that was pending for {$3500.00}. He told me to send the money via XXXX in the US Bank app to XXXX XXXX which is my name and to the email address XXXX. He said that using my own name would ensure the money went back to my own account. I was not heightened to the verification questions since this email address contained US bank and the name was my own. Once I sent the money he told me a confirmation number and hung up the phone. I filed a fraud claim immediately with US Bank and am told that the funds will likely not be recovered because I have authorized the payment. However, I have also been told by US Bank that this is a frequent call they are receiving. I have asked why they have not sent a notice to their customers and was told that they have sent them via email. I then asked if they could confirm if I have been sent this email and they told me that I have NOT been sent this 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 explanation
Consumer complaint received 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The options provided to me on your complaint website did not apply to my situation. So I just chose whatever options you had available. 

My complaint is in regards to how a fraud complaint was handled with Capital One 360 Bank. For the most part I am happy with the way they have handled it. But my complaint is based on something I don't think is right. 

My understanding of FACTA is that the bank has to provide me with whatever information I request ( as long as its relevant ) regarding my fraud incident. A fraudulant/stolen check was cashed in my account. I requested that they provide me with the LOCATION of where the check was cashed. They told me they would not provide me with that information. 

My understanding is that I have a right to that information as the victim of fraud. And they have to provide it within 30 days of my request. But they tell me they will not share that information with me. And they said their investigation takes up to 90 days. 

I mentioned I was at the police station and they told me to have the police contact them. 

side note : they said they don't know where it was cashed YET but would still not provide that information to me even once they had it. And also told me I could not communicate with the investigator to obtain the information on my case. 

I spoke with XXXX, a manager, in the customer protection department. employee number XXXX Fraud case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2017-08-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My problems with my home began several years ago when my household income was reduced to just my salary. My Husband was diagnosed with XXXX and went on XXXX which caused me to fall behind several years ago. I was still gainfully employed and was awarded a modification in 2011 that helped me save my home then. I was grateful but my hardships persisted as my husbands health declined I found myself unemployed due to having to take so much time off of work. This unemployment persisted for the next several years, during this time I sought the help or KYHCA and loss mitigation from my new servicer Nationstar. I found another great job and my husband went into remission. This is also the time that his XXXX started to kick in so we were financially stable enough to now make a mortgage payment. This is when my problems started, I was now service released to Nationstar Mortgage and they just out right refused to work with me on retention options. I had no choice but to file a suit against them that eventually led to a settlement and the agreement that I would apply for another modification and if that was denied I would be able to short sale the property. I could not qualify for another modification because I previously had one-unfair decision but at this point I didnt have it in me to continue the fight.The current monthly payment was the lowest it could go was their reason for denial. With heavy hearts we made the decision to sell our home that now suffers from plenty of deferred maintenance. I accepted an offer that was sent to Nationstar to consider, as our mutual agreement was to allow me the opportunity to avoid foreclosure. This offer amount reflected the repairs needed for my home, but nationstar felt that it was insufficient. That buyer wanted to dispute the value but I advised my agent to just find another buyer that would pay more. We accepted a 2nd offer, I had no foreclosure sale notice filed and as soon as the offer was sent to Nationstar at the value they wanted from the last buyer, they out rightly refused to review the offer because I now had a scheduled sale date. It feels as though they set this sale date as a reason to cancel my file, out of spite-my new offer could of easily been reviewed and approved right away and much before the sale that was 29 days away. They already had the process started, had all their reports ready and in hand to make a decision from the first offer I submitted. Speaking with them is like asking to be mistreated-they are just un-kind and certainly not helpful with helping me avoid foreclosure or the fact that I am being railroaded. If I do not short sale I will have to wait at the very least 7 years before being able to possibly purchase again, it is a public record that will affect all of my future employment. Now I am just stuck and would like nothing more than to resolve this mortgage and not have a foreclosure on my record.

Company response to consumer: Closed with explanation