BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: GA
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and 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 in completely accurate and correct. The following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX The listed items is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identity transactions to be reported. I am requesting that the reporting of this information be blocked and removed. My request to block is not being made in error, nor is my request to block the identified transactions, not information related to any transaction by me as the consumer. You are required to do what I have asked to be done within four ( 4 ) days of this notice XXXX  update this info to all my reports for this action to be done to all my reports on any file being reported. They violated the law of safe lending rights. They also did fraud identity theft issues 15 1681 a ( g ), filling in false info without consent to do so with other companies. I need my deposits back. XXXX authorizations for release of info

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 2023-09-13
Company: EQUIFAX, INC.
State: AZ
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:
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. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX has a due date of the XXXX of each month. I paid at XXXX on the XXXX of XXXX, only to find out that a late fee has already been applied to my account. I contacted Capital One about this and they Confirmed my due date is the XXXX, that today is in fact the XXXX, but stated the late fee would not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was charged {$12000.00} dollars for my driveway to be paved and within 4 months it started creating potholes and caving in on the sides. I contacted the contractor and they would not fix the issue. I contacted credit card company with pictures and statements and they reversed the refund and ruled against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2023-06-04
Company: Ability Recovery Services, LLC
State: MS
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, TN XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( Ability Recovery Services & XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1656B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2018-03-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX To : Wells Fargo From XXXX XXXX Re : Check Fraud On XX/XX/XXXX I have spoken with Wells Fargo 4 representatives XXXX ; XXXX ; XXXX XXXX and XXXX XXXX regarding claim or Case # XXXX. I was given phone number XXXX regarding this case. I have spoken with XXXX XXXX on the same day by telling him that there are 3 issues especially two cashed checks without my consent in XX/XX/XXXX and XX/XX/XXXX. He has asked me account number over the phone. I told him that my phone could be monitored by someone else that I can not disclose my account number over the phone. Most important due to the terrible experience with Theft XXXX XXXX, I can not release my account number over the phone. XXXX XXXX has asked me to go to banking branch.l On XX/XX/XXXX I went to banking branch located at XXXX XXXX XXXX XXXX in Washington DC XXXX. I have brought over check Image and showed to branch manager. I was misled and terribly treated by this branch staff especially their manager. OnXX/XX/XXXX I was throw out by this branch and all my accounts were closed. Today when I showed two checks images to this banking branch manager, he used all kinds of excuse to push responsibilities. 

I told him according to the checks image, my name was on the check as payee. I NEVER authorized anyone to cash my checks. I was only person who had business relationship with original issuer. My mailing address was on the check. Therefore there was no any second person who has same name with me according to these 3 identification facts. 

On the back of the checks, it clearly showed someone else 's endorsement which I totally can not recognize. I NEVER authorized anyone to cash the attached two checks on my behalf. Each check was {$370.00}, total {$750.00} issued from Wells Fargo. 

As a check fraud victim by suffering such type of insult, I was very upset at XXXX XXXX XXXX Branch. However I never received any assistance when I asked this banking manager to file fraud claim as well as obtain fax number so I can fax over the copy of canceled checks. 

Then this manager begin to ask me to leave. Same as XX/XX/XXXX. He also stated that He want to close all my accounts if I continue to file complaint. I told him that I brought my complaint to the bank since XX/XX/XXXX to Wells Fargo. Why do you continue to defraud consumer? Why didn't you investigate and put theft to jail? Why discrimination continue existed? 

Since I already went to branch 5 times and filed at least 2 complaints sinceXX/XX/XXXX. Most recently on XX/XX/XXXX I filed claim with case # XXXX. I tried my best to contact this bank to collect stolen funds. I must claim {$750.00} plus 20 % interest plus {$100.00} late fee each month plus my gas fees. ( CHECKS  IMAGES AND POLICE REPORT HAVE BEEN ATTACHED ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: ALLY FINANCIAL INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX sold my second mortgage to Ally Loan Administration and I have been making payments and they are not applying them to my mortgage and keep charging fees and added interest. I have written and called them several times and they refuse to give me paper statements, credit my account with the payments and switch off electronic documents. They will not allow me access to my account electronically either to try to download the documents.

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 2023-09-13
Company: EQUIFAX, INC.
State: MI
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:
There is an XXXX XXXX account/tradeline on my Equifax and XXXX credit files that is horridly inaccurate. Rather than conduct reasonable investigations, both Equifax and XXXX have chosen to persist the information when it knows or should know the information is false/inaccurate/misleading/incomplete. Now, a credit reporting agencys reliance on information gathered by outside entities is reasonable so long as the information is not inconsistent with the information the CRA ( s ) already had on file ( XXXX, XXXX, and XXXX writing in Hammoud v. Equifax Information Services, LLC, No. 21-2859 ( 6th Cir. 2022 ) citing Wright, 805 F.3d at 1240 ). The most glaring indicator that the account/tradeline is erroneous ( incomplete/false/misleading/inaccurate ) is the statements I provided indicating XXXX alleges to have charged-off the account on XXXX around XXXX XX/XX/XXXX. I provided a copy of the XXXX XX/XX/XXXX letter to CFPB Complaint XXXX, XXXX XX/XX/XXXX response to CFPB complaint XXXX, XXXX XXXX XX/XX/XXXX response to CFPB complaints XXXX, XXXX, & XXXX, and a XXXX XX/XX/XXXX response to my state 's office of Attorney General. Yet, the account is not reported as having been charged-off and has a period beyond charge-off that shows a payment history that is re-aged, brought current, and then randomly reported as being past-due, advancing from thirty ( 30 ) days past-due to one-hundred fifty ( 150 ) days past-due. The account indicates being brought current AGAIN ( re-aging ), and then begins reporting past-due from XX/XX/XXXX thru present advancing to one-hundred eighty days past-due in XX/XX/XXXX and has been marked as such for each additional month. Neither XXXX nor Equifax can claim they are unaware of the issue ( s ) with this account/tradeline. In fact XXXX even claimed they werent responsile for the way the information was being presented to the CRAs. The issue may indeed be with the information XXXX is furnishing to the CRAs. The issue may indeed involve factual and legal inaccuracies. However, the CFPB amicus brief filed in Sessa v. Trans Union , LLC, makes clear that the FCRA contains no exemption from conducting investigations and/or re-investigations that are triggered by disputes involving legal inaccuracies. So, there is no excuse for why XXXX and Equifax have declined to remove the account/tradeline from my credit files. The account/tradeline needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for six months from XX/XX/2017 - XX/XX/2017 and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.

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 2023-08-23
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:
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.

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 explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation