BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Apparently there is something negative on my Equifax report. I requested it at the XXXX and received XXXX and XXXX without any issues. There is nothing negative on either report. Equifax system was down and it said, basically, ask for one by mail. I logged in to the Equifax site the next day and requested it. It said " we are unable to process your request at this time '' and gave me a phone number to call. I called the number and went through the prompts and received the email attached below. Notice that it says " Equifax credit file failed {$0.00} ''. I then called two or three more numbers and the agents in each case said I had to wait until next year to attempt it again, however, they could provide me one right now for {$10.00}. They are running a complete scam over there. I haven't requested one of these in five years. I believe Equifax is deliberately making it impossible to get a free credit report in order to squeeze money from individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Previously disputed this complaint with CFPB # XXXX asking to verify or delete account immediately as I do not recall having this debt. Results came back as verified stating that account had been opened online and that my personal information had been used and billing statements had been mailed to my address and were never sent back as returned. This is NOT verification at all. 

Credit report is still reporting inaccurate showing a higher balance than credit limit. There is no way that balance is higher than what credit limit is. Account is reporting as CLOSED with payment status of Collection/Chargeoff so their SHOULD NOT be a pass due nor should their be any payment reporting especially using consecutive charge off as a payment method on a dead account. Last payment is inaccurate. This is a total mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance Owed : {$22000.00}.

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 2022-11-21
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
During the course of dispute of this alleged debt Kirshbaum, Nanney, Keenan & Griffin, P.A. attorney XXXX XXXX asked to pull my credit report and was told no because are not a creditor of mine. However, I've learned they fraudulently pulled my credit report multiple times the last date being XX/XX/2020, through XXXX Credit bureau claiming I applied for credit for an installment loan or bank account. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

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 2023-08-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I noticed multiple credit open and closed accounts, names and addresses that I dont recognize on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-21
Company: General Motors Financial Company, Inc.
State: AR
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:
15 USC 1681 Section a Section 1 Section a : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

11 USC 362 Section c Section 3 : XXXX XXXX Bankruptcies must be dismissed.

15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

18 USC 894 : Using unlawful extortionate means is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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 received a copy of my consumer report recently after being denied an extension of credit due to reported late payments. Consumer reporting agencies have a duty under federal lawto report consumer information as accurately as possible. The items in this dispute have different information reporting across all bureaus which is a violation and not reporting 100 % accurate as required by law. I have never been late on payments for the account listed in this dispute. By law they must produce proof with statements proving that these payments were late as required. If they do not provide sufficient proof then this constitutes noncompliance and is a violation under 15 US Code 1681i ( e ).

I sent my initial letter to the credit reporting agency on XX/XX/2023 informing them that there was inaccurate information and that they had 30 days to do investigate per the FCRA and failed to investigate in the allowed time frame. I sent a demand to comply letter XX/XX/2023 informing the credit reporting agency that they failed to follow procedure and that I never received investigation results and they still refuse to investigate and send me results. 
More than 60 days had passed so I drafted an affidavit of facts on XX/XX/2023 outlining all the violations they committed and sent to the CRA along with a CFPB complaint. The company responded via the CFBP complaint portal that they have 60 days to respond. It has been more than 90 days since my initial notice which is more then allowed under the FCRA. I am demanding the items in this dispute be removal immediately and my affidavit is rebutted as required under law now!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IL
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:
review the letter it has all the information your needed and the FTC report you requested has been place too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a {$5200.00} check at the branch on XXXX/XXXX/2016. The Branch manager that came to sign off on the check told me that it 's asking for a 7 day hold due to negative balance and past overdraw charges. The issuing bank for the check for the insurance company was XXXX XXXX and I told her I can go to XXXX and cash the check at the bank and deposit the cash do do n't have to wait 7 days, and then she said she would sign off for the funds to be available on XXXX/XXXX/2016. I asked her if she is sure, since I need to write bills and she said yes. On Monday XXXX/XXXX/2016 I called the Bank and asked why the hold was not released I was advised they are unable to release the hold until 5 business days after the deposit date and to call back Tuesday the XXXX/XXXX/2016. I called on Tuesday and was told to call back on Wednesday, so I called today on XXXX/XXXX/2016 and was still advised the hold will not be released until Friday XXXX/XXXX/2016. It has been already 7 days since the deposit and 5 business days and hold has not been released after I have been promised it would. I got another check from the insurance company and had to go to XXXX XXXX to cash the check and make a cash deposit of {$2800.00} on Monday XXXX/XXXX/2016 to cover the negative balance since the hold was not released on XX/XX/XXXX as I was promised and the account went negative and I was charged fees. The insurance checks were a payoff for my motorcycle and I 'm purchasing a new one with the proceeds I got. I want a refund for all overdraft charges on the account from XXXX/XXXX/2016, the date I deposited the check and I need at least XXXX of the funds to be available on Thursday XXXX/XXXX/2016 for my down payment. Otherwise, I 'm going to miss the incentive promotion that the dealer has going, XXXX off the value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19
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: Account information incorrect

Complaint:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
RE : DISPUTED INQUIRIES To whom it may concern, as of XXXX XXXX, I disputed inquiry errors on my credit report. The inquiries I submitted to all credit reporting agencies are erroneous and were made without my written consent and authorization. I have not received any response from the credit reporting agencies with in the 15 day time frame according to the FCRA law. I have a right to a receive a response from the credit reporting agencies to these inquiries I did not consent too.

Company response to consumer: In progress
Consumer complaint received 2022-04-04
Company: Grace Period, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
hello this XXXX XXXX need guidance where is my money going i dont give out my information online like that so i thinking something or someone useing my name or doing fraud i live in XXXX fl

Company response to consumer: Untimely response
Consumer complaint received 2021-05-14
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: Old information reappears or never goes away

Complaint:
Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A XXXX FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: LJ Ross Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to file a formal complaint against L J Ross Associates Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, regarding a utilities collection account that I believe has been erroneously reported under my name. This complaint is filed due to the significant financial hardship and distress this situation has caused, including the denial of housing opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Partial for security purposes ] Company : L J Ross Associates Inc .

Incident Description : I have recently become aware of a collection entry on my credit report from L J Ross Associates Inc. for a utilities debt. I dispute the validity of this debt and contend that this collection is either a mistake or a case of mistaken identity. The presence of this collection on my credit report has severely impacted my financial standing, leading to the denial of housing applications, which has in turn caused me considerable distress and hardship. 
Actions Taken : I have attempted to resolve this issue directly with L J Ross Associates Inc. but have not received a satisfactory response or resolution. 
I have not received any prior communication regarding this alleged debt before notifying it on my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ENCORE CAPITAL GROUP 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:
Midland Credit Management I am writing this letter in response to the phone call/letter received from you on ( XX/XX/2021 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Was the previous text lost? 

I had a completed modification and then approx. 2 months later ( XX/XX/2019 ) numerous changes were made to my ledger without explanation, causing my account to show past due. 

XXXX XXXX+ added to my balance, but then sometimes not on my balance. 

I have done a independent mortgage audit which they ignore. 

I have sent all my payments documentation and it does not get reconciled. They just keep sending me very small print ledger which not even my auditor can make sense of. 

There is what seems to be illegal action even documented on some of the paperwork they sent me. 

I can not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: GA
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:
on XX/XX/XXXX, I contacted " XXXX '' on XXXX ( sell/buy app ) to SECURELY purchase a {$390.00} XXXX XXXX XXXX XXXX from them. They told me the app wouldn't be able to confirm their banking info for a few days and that they were ready to ship it tonight. They then told me to XXXX XXXX them the money so they could ship it and I receive my product as quickly as possible. I then sent the money through XXXX using my chase credit card and they sent me a tracking # via XXXX. They told me I should receive the product no later than XX/XX/XXXX. I was later blocked by " XXXX  '' on XXXX and message so I have no way of contacting them. XXXX would not start a dispute on behalf of it being scam, and same with my bank. So, I started 2 fraud disputes ( one w XXXX, other w chase ) and they later came back denied due to me authorizing the purchase. However, I have mountains of proof that I will not receive the product in question and that this was a blatant scam -- which is still a fraud claim. My address and personal name have been compromised and I am extremely terrified this person may try to access more of my information -- and even scam others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am struggling to take care of my family of XXXX I am only the one in the family economically active. working 40 housr a wek and still make around XXXX or less monthly I have a mortage loan of $ XXXX/month and an auto loan of $ XXXX/month. I have a XXXX XXXX who needs adult ' attention 24/7. also due to this pendemic my spouse looses her job. my financial agency suspended my loan pyment for a period of 6 ( 3+3 ) months which will be resumed in XX/XX/2020. but still I am financially not ready to come back in track. what could be my best possible choice to go ahead? 
Thank you in advance for your kind and constructive suggestion to comeout of his financial hardship. Hoping to hear back soon thank you.

Company response to consumer: Closed with explanation