BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
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: Information belongs to someone else

Complaint:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Aproximately 4 weeks ago Capital One placed a restriction on all XXXX of my Credit cards. Initially I was told there was possible fraud and they were conducting an investigation. After 3 more calls and an email to their CEO I was told it was n't fraud but an internal issue for which they had no explanation or time frame for a resolution. I have still had no resolution except a letter saying they are working on it without explaining what " it '' is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am writing to address a concerning situation regarding my Capital One credit card account ending in XXXX. I would like to bring to your attention the circumstances surrounding a chargeback that occurred, resulting in the subsequent restriction of my account. I kindly request your assistance in resolving this matter. 
First and foremost, I would like to emphasize that I have been a loyal and responsible Capital One customer since XX/XX/XXXX. I have consistently made timely payments and maintained a good credit standing. Unfortunately, an incident involving my XXXX, who suffers from XXXX XXXX and XXXX, has led to the chargeback and subsequent account restriction. 
On XX/XX/XXXX, my XXXX graciously offered to help pay down a portion of my credit card balance as a gesture of goodwill. However, due to the unpredictable nature of his mental health conditions, he later initiated a chargeback on the payment he made. This action was a result of his psychiatric symptoms and was not a reflection of my intention or involvement. 
I understand that Capital One must take appropriate measures to protect the interests of its customers and prevent potential fraud or misuse. However, I kindly request that you consider the extenuating circumstances surrounding this particular chargeback and its impact on my account. Also I XXXX XXXX was the original XXXX on his account for his XXXX XXXX  payments. 
To support my request, I have enclosed the following documents for your review : 1. Medical Documentation : Attached, please find relevant medical records and documentation confirming my XXXX XXXX diagnoses of XXXX XXXX and XXXX. These documents, provided by his healthcare professionals, demonstrate the influence of his XXXX XXXX  conditions on his actions. 
2. Payment Records : Enclosed, you will find bank statements and transaction records illustrating the initial payment made by my brother, as well as the subsequent chargeback. These records serve to provide a clear timeline of events and validate my account of the situation. 
3. Identity Theft Report Filed : with the Federal Trade Commission. 
4. Police Report : Signed by XXXX XXXX XXXX XXXX Deputy 5. Proof Of Identification : Driver License 6. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account # XXXX XXXX XXXX  - Account # XXXX XXXX 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 2022-12-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX  XXXX XXXX was recently totaled XXXX XXXX. XXXX has already finished the total paperwork for {$27000.00} in XXXX. My insurance has tried contacting them and so have I so that Truist can receive payment for the car, but no one answers when we call or send correspondence for documents this has been on going for weeks. Not only that I cant finish my XXXX claim so they can pay the rest of the money still owed until they do whats supposed to be done on their end. Truist has not worked with me at all and they keep saying Im not paying, and reporting it to my credit. All I want is a resolution and for this to be over and done with.

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 2023-01-25
Company: FIRST HORIZON BANK
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car loan was paid in full to First Horizon Bank. Account was closed but continues to show as late. This has crashed my credit score for months. I just lost everything I own in Hurricane Ian and this mistake has made it impossible to get an SBA Loan or a car loan at a decent interest rate because the account was closed showing it is not current.

I made may attempts to speak with someone at the bank who could help. I was told the customer service dept does not deal with car loans. I was told in XX/XX/XXXX the Solutions team would call me. It is now XX/XX/XXXX I have never received a call. I have asked for a number for the solutions department but was told there is no number for them and that they have to call you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 Made an agreement with the XXXX XXXX XXXX XXXX To have my bottom floor living room bathroom kitchen and Family room in my Townhouse Located XXXX XXXX XXXX Pl XXXX, Florida XXXX tiled with XXXX porcelain Tiles with XXXX stairs hallway and XXXX bedrooms upstairs. The XXXX was to begin on Wednesday XX/XX/2022 at XXXX XXXX  and he never showed up lied and said he canceled night prior which I untrue in which he did not. Then came on Thursday XX/XX/2022 at about XXXX in the afternoon for half a day to pick up the tiles with no tools in which I had to rent the tools from XXXX XXXX and buy more products ( not informed prior ) a partial job was done. Owner advised he would come on Friday XX/XX/2022 and complete the job downstairs ( as agreed this would be complete for the ( XXXX XXXX ) in which he did not complete or even started the bathroom kitchen or family room. Left Friday at XXXX pm the job halfway incomplete and advised he will not be doing the job over the weekend but coming Monday XX/XX/2022 in the morning no show called XXXX XXXX XXXX XXXX XXXX XXXX  about XXXX he sent some young Teenage Looking boys who was picking up my expensive furniture to carry over the dirty area untiled area dust area ( The young boys who I dont think licensed also stated they advised him this can not be done ). Contact the contractor via phone call advised him to please come to the job site as this is not what was agreed upon and was advised that he will not be coming over Yelled at me and refuse to come and complete the job, I asked him to send me a full refund and was ignored. I am now left to pay another company to fix the job with damaged and broken tiles that said the contractor did not inform us they broke the tiles an responsible for replacing them. 


Enclosed are pictures of the incomplete and damaged work, and text messaged between both myself and Company and contractor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: KY
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 is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to fraud. Under the FCRA section 605b, I am requesting of you to remove the following accounts off my Credit File : XXXXXXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe that the disputed accounts belong under my name, you should have send me results of your investigation to support your claims. In the absence of such documents you should have removed the disputed accounts off my Credit File.

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 2023-06-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were not open personal by me I have no knowledge of these accounts on my profile XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX XX/XX/XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX  has XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. 

A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you

may be liable for your willful noncompliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damage for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was tricked by a caller who told me he was from Bank of America and he was confirming an upcoming XXXX transfer. He knew all of my personal information as well as account information. He told me he'd help me to protect my money before the transfer, then went on to help me transfer {$10000.00} out of my account to his. This is a well known XXXX scam. Bank of America has paid back others for this. I wrote to Bank of America and called several times only to be turned down for a refund for the {$10000.00}. I am a small business owner and this was my business 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 2022-11-17
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: Account status incorrect

Complaint:
XXXX, XXXX XXXX, Equifax disputes were submitted regarding an account with XXXX XXXX back in XXXX. I sent a letter directly to XXXX in XXXX I never received any response from the credit bureaus or XXXX. account reference # XXXX reflects a charged off account with a balance of {$2200.00}. This vehicle was sold back in XXXX I do not owe any balance nor is the account charged off. I have tried aimlessly to have this account correct to no avail.. no response has been received I need this account corrected as it is preventing me from obtaining my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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: Account status incorrect

Complaint:
This situation involves a previous complaint v XXXX who has corrected their error as follows : XXXX XXXX and XXXX are trade names of XXXX XXXX, a member of the XXXX XXXX. XXXX XXXX, Member FDIC. XX/XX/XXXX XXXX XXXX, AL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Account ending XXXX Dear XXXX XXXX, We received your request to investigate credit information on your account. We have completed our investigation and have removed the 30-day late mark for XX/XX/2021, the 60-day late mark for XX/XX/2021, the 90-day late mark for XX/XX/2021, the 120-day late mark for XX/XX/2021, and the 150-day late mark for XX/XX/2021. Accordingly, we have updated your credit profile on our system and will report the corrected information to the credit reporting agencies on XX/XX/2021. Please allow up to 10 business days for the credit reporting agencies to reflect the changes on their system. We apologize for any inconvenience this has caused you. If you should have any questions regarding this information, please contact our Customer Service Department at XXXX ( XXXX ). Sincerely, Operations -- Logistics Despite XXXX  correcting this issue immediately SEVEN months ago and now finally XXXX, Equifax apparently struggles to do the same as they still incorrectly reflect derogatory info on this account despite the XXXX letter copy pasted above clearly showing the account as XXXX  closed WITH NO LATE PAYMENTS ( charges were fraudulent and not my responsibility ) Without further delay, Equifax needs to ACCURATELY reflect my information INCLUDING my credit score which they gratuitously lowered OVER 100 POINTS from XXXX to XXXX. If all this is not enought their " system '' would not allow me to file a dispute because I filed with XXXX  ( XXXX  REPORT CORRECTED WITHIN 48 HOURS ). AS a mortgage loan officer in the XX/XX/XXXX's I've watched Equifax malfunction similarly dozens of times. Maybe it is time they closed their doors and left it to the pros @ XXXX. Please inspire them to fix this without further XXXX or delays or litigation will be initated. Guaranteed. Thank you. Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove these items right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am very disappointed with transunion. I sent a request to investigate items accuracy on my report through letterstream I don't have the time to go to a postal service and this company is accusing me us using a credit repair company. When I am the one sending out my letters. I received the letter XX/XX/22. I know my rights as a consumer, I have studied consumer law. I know my rights I give the instructions on what they are to do according to federal law. Transunion is in violation making accusations. I am giving them the benefit of the doubt. 

:

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 2021-07-31
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: Was not notified of investigation status or results

Complaint:
The FCRA requires you to verify the validity of the item within 30 days. 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 fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government.

Company response to consumer: Closed with explanation