BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
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: Information belongs to someone else

Complaint:
I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon a recent review of my credit report, I have found an error in a reporting account on my profile. This account does not belong to me and should be removed immediately. 

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 2022-02-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
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 made sure to make my payments on time on the following items listed below. This items should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report. 
TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$0.00} TOYOTA MTR XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am requesting regarding this issue that had never resolve by the credit bureaus, and for this, I am complaining these incorrect information on my credit file that containing some fraudulent items. I am not satisfied with the performance of the credit bureaus in deleting some of these inaccurate items and there are some that are still on my credit report. These inaccurate information are really affected my credit score. I really believe that these items are fraud and I don't want to be a victim of identity theft. Remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX received call from XXXX XXXX XXXX on my acct. 
They claimed to refund the fraud and was a scam in which they gained access to my 2 checking accts Citibank and XXXX XXXX. Proceeded to XXXX  Approx {$440.00} XXXX CitiBank checking XXXX Their actions froze my computer and I was unable to acces accounts from that time onward. Do NOTknow actually how much they did take out of the accts. 
Droppedthe call when became suspicious, phoned both banks. REported scam, BLocked checking accts and asked for new checking acct to be opened in my name. ( CitiBank and XXXXXXXX XXXX ) SInce that time I have been working with both banks to reestablish my accts, but this has not happened yet as XX/XX/XXXX. 
Cards were sent to wrong address ( Home address and not temp address as requested ) Citicard Reissued and Address change issued XXXX. When Card activated was attached to Compromised checking acct and rep would not change to new checking acct. INsisted on reIssued of Debit card Again. Debit cards arrived and were expired when arrived. To Date I have had 3 CitiBank, and 3 XXXX XXXX Debit cards issued but still none working with my new un compromised banking accounts. 
I am XXXX and can not go into branch to handle in person!! 
This needs to be done over the phone or internet. 
CitiBank has no branches in XXXX where I live. 

Similar experiences have happened with XXXXXXXX XXXX. Every Debit Card ( 3 now ) does not activate!!!. 

I have serious bill delinquencies due to not having access to my funds pls help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: WI
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$360.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$280.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2023 my credit was ran by several banks. We are uploading a photo of those banks. I would like the removal of the inquiries off of our credit. I did not submit my credit to be ramped by. Who's banks in any time?

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report 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 non-monetary relief
Consumer complaint received 2021-05-13
Company: DISCOVER BANK
State: MI
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 applied for a discover balance transfer card a few weeks ago, and their system froze up during the application process and made me do it twice. I did not want to send {$5400.00} to my XXXX card. I only needed {$2700.00}. Yet, Discover charged me twice for the transfer and maxed out my Discover card. They refused to credit me after their phone rep said they would. I believe they are double charging people to get extra money in transfer fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has put several medical collections on my credit report, without sending me any kind of notice! This is a violation of my rights to dispute any kind of debt. I want this deleted now. I will seek ligation for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: MO
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital one consumers credit card, charging me {$38.00} per month late fees, I pay all my bills every month and have done so for years. They also reported a missed payment to credit bureau and couldn't even explain which month and this dropped my score by 50 points. I pay all my bills around the XXXX to the XXXX of the months. But this capital one will charge late fees after one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: AMCOL Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice dated XX/XX/2022 from AMCOL Systems , Inc. XXXX XXXX XXXX XXXX, SC XXXX regarding a debt from XXXX XXXX XXXX which had been the result of billing error that had been corrected by XXXX XXXX and should have been no longer placed with AMCOL Systems , Inc . I called on XX/XX/2022 and spoke to XXXX and then XXXX ( supervisor ) requested written verification/notice for my records that the debt was no longer with AMCOL Systems , Inc. and they refused to provide any documentation in writing to me regarding the history of this debt with their company. They stated they couldn't send me anything in writing since they " don't have a template for that. '' I expressed concern regarding them attempting to collect on this debt or take further action in the future and wanted documentation for my records, but they refused and refused to provide me with additional contact information at their company to talk to someone that could provide me with that written documentation. XXXX XXXX XXXX has provided me with written documentation via my billing statement, but the collection company refused to provide me with written verification that they were no longer attempting to collect this debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Huntington Bank Mortgage issues. 
I had my home mortgage with Chemical Bank for years. Chemical was purchased by tcf Bank XXXXXXXX. Just a few months later, tcf Bank was purchased by Huntington Bank. Now my mortgage is with Huntington.

When this first happened, we were told to continue to pay tcf. It sounds like a program issue. 
We finally were told to pay Huntington in XXXX. I paid on XX/XX/XXXX and that payment was canceled and returned on XX/XX/XXXX. I did not notice this until I got my XXXX statement saying I was delinquent for XXXX. 
On XX/XX/XXXX I paid both XXXX and XXXX. My bank says it arrived on XXXX. The payment went to some unidentified bucket and was not applied until XX/XX/XXXX when my husband went into a XXXX Michigan branch to find out why it had not been applied. The person at the branch, XXXX XXXX, confirmed I had the correct account number and sent to the correct po box . 
I paid XXXX on XXXX/XXXX/XXXX to deliver XX/XX/XXXX. It also went to the unidentified bucket. My husband went back to the branch to see what happened. Again, XXXX confirmed we had the correct info on XXXX as well. This time we also brought in the branch manager, XXXX XXXX. He says I need to review how I make the payment with my bank. 
Now XXXX, XXXX and XXXX say they are late. 
It seems like Huntington has issues with their mortgage program. 
And my XXXX statement has a {$15.00} charge for a " property inspection fee ''. Huntington bought my mortgage. I did not refinance it. Why am I paying for their inspection? 
This all has an impact on my credit and I don't think I should have to babysit my mortgage like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research. 

Below are the accounts I asked to be validated Name of Account Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Fair Credit Reporting act the above accounts has violated my rights. 

15 U.S.C 1681 sectjon 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. Sec. 168li ( a ) : States that if a consumer reporting agency can not provide proof, these accounts must be deleted. 

Please note that XXXX account, with XXXX account number and the XXXX XXXX  account with account numbe XXXX just need the Late marks removed.

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 2022-11-15
Company: Patenaude & Felix A Professional Corporation
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
o/a XX/XX/2022 I contacted XXXXXXXX XXXX about some unusual fees and charges on my account and informed them i was disputing those. I never heard from them until I received a letter indicating that my account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  I received a letter from that firm XXXX XX/XX/2022 indicating that they are trying to collect a debit from XXXX XXXX. I returned the bottom portion of that letter to that firm indicating I was disputing the debit. This firm never sent anything in regards to the debit until I was served with a Summons from the law firm ; this firm has followed proper billing dispute procedures under federal guidelines.

Company response to consumer: Closed with explanation