BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
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:
Equifax and XXXX are reporting incorrectly a past due amount on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.

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 2023-09-06
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. 

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: PA
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 this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Synovus Bank
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:
XXXXDisputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXXdisputed balance for XXXX but didnt remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have over paid the monthly payments on this card with the acceptation of 2 payments at the regular monthly fee and the account never goes down. Usually one hundred dollars over should drastically move the balance low. 

I calculated what had been paid and also showing that I had not made charges on this card in the 4 years that the account had been active. 

See the workbook for the breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the XXXX data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.

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 2022-08-12
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I RESPECTFULLY ASKED BANK AGENT XXXX XXXX TO ADD UP ALL MY BANK DEPOSITS BETWEEN XX/XX/XXXX THROUGH XX/XX/XXXX I HAD ONE DIRECT DEPOSIT FOR {$840.00} DOLLARS FROM SOCIAL SECURITY ON XX/XX/2022, THEN I HAD ANOTHER DEPOSIT FROM SOCIAL SECURITY ON XX/XX/2022 FOR XXXX. I ALSO ASKED BANK AGENT XXXX XXXX AT XXXX XXXX XXXX BRANCH TO ADD UP ALL MY ATM WITHDRAWALS AND DEBIT CARD PURCHASES BETWEEN XX/XX/2022 AND XX/XX/2022 AND TO PLEASE DEDUCT AND PUT A TRACE ON ALL TRANSACTIONS AND SUBTRACT THEM FROM ALL DEPOSITS TO RECEIVE THE AVAILABLE BALANCE, BUT XXXX XXXX THE AGENT AT THE XXXX XXXX XXXX BRANCH IN XXXX SC REFUSED TO HONOR MY REQUEST SO I FILED THIS COMPLAINT? I ALSO HAD A DEPOSIT OF {$540.00} ON XX/XX/2022 AND I WOULD LIKE TO ADD FROM LOOKING OVER THE BANK STATEMENT THAT AGENT XXXX XXXX GAVE ME FOR XX/XX/2022 THAT A CHECK WAS WRITTEN FOR {$400.00} DOLLARS CHECK NUMBER XXXX FROM MY CHECKING ACCOUNT ENDING IN XXXX, I TRIED TO EXPLAIN THAT I DID NOT WRITE THE CHECK FROM MY BUSINESS ACCOUNT BUT THE BANKING STAFF WOULD NOT LISTEN TO REASON?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TN
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.

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 non-monetary relief
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Capital One 360 checking account under their promotion where I deposited {$1000.00} into the account within 60 days and they would give me {$400.00}. No where on the terms state that I must initiate the transfer from my outside bank TO them, just that the funds needed to be an ACH from an outside institution TO Capital One which total {$1000.00}. I did this, I initiated two {$500.00} transactions from my XXXX XXXX account To Capital One. I called to ask them why I did not see the promotion deposited. They claim I did not meet the terms of INITIATING the transfer from an outside bank to them, and send me the terms which I already had a copy of. I explained to them that when I had assistance from their rep opening the account, i could do a transfer fmoney between XXXX, XXXX, XXXX, an outside bank, or direct deposit and all of those would count as a deposit as long as it was an ACH and the total was {$1000.00} in 60 days. They did not state the transfer MUST be initiated from the outside source, just that the funds must come from the outside source to qualify. 
There terms were not clear and did not include this, now they are trying to withhold the {$400.00} bonus for opening an account with them although I met all other requirements according to them, but because I did not initiate the transfer from my outside institution to them they are withholding the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: FIRST PORTFOLIO SERVICING 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:
XXXX XXXX  disputed for balance of XXXX never removed XXXX disputed balance but didnt remove for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Affirm Holdings, Inc
State: AZ
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:
Affirm is reporting a transaction that I didnt authorize thats effecting my credit score. 

XXXX transaction was made on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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:
Hello, I am very stressed out because Transunion reports wrong information in my credit profile. How that possible? This account is not mine and why I should have it? It ruins my life completely, so could you please investigate why Transunion reports wrong information and also I file Identity theft as I assume I am a victim of identity theft. 
Thank you!

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 2023-07-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-05-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a Bank Transfer of {$75000.00} from my XXXX XXXX XXXXXXXX checking account into an Ally Bank CD account on XXXX XXXX XXXX 
This transfer was initiated from my Ally Bank account. 
The transfer completed on XXXX  with a status of delivered ( indicating the money was successfully transferred ). 
My XXXX XXXX XXXXXXXX checking account indicated the money was withdrawn on XXXX 
The {$75000.00} never showed in any of my Ally Bank accounts ( checking, savings, CD ). 
I contacted Ally back on three seperate occasions. The first was via a secure message via the Ally Bank website. The other two times I called them.

Their initial response was that the Bank Transfer failed since the CD account I was trying to transfer money into was already funded and I needed to contact XXXX XXXX XXXXXXXX and dispute the transaction. I contacted XXXX XXXX XXXXXXXX on XXXXwo seperate occasions. Each time, XXXX XXXX XXXX indicated the Bank Transfer was successful and that they could not reverse the transaction except in the case of fraud and that Ally bank would have to send the {$75000.00} back to XXXX XXXX  XXXX. When I talked to Ally Bank support about what XXXX XXXX XXXXXXXX told me, they said they would fix the problem in 2-3 business days. Each time Ally Bank would then call me back after 2-3 days and say that the transaction failed and I would have to dispute the transaction with Bank of XXXX XXXX So I don't have access to the {$75000.00} transferred to Ally Bank and Ally Bank and XXXX XXXX XXXXXXXX both claim they can't fix the problem.

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 2020-02-08
Company: Capital Alliance Financial, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued  and they won by default, was Never properly informed of the Default until I received a COURT ORDERED LETTER, I then wrote the Judge at the XXXX Court house, letting the Judge know I wasn't issued a 2nd nor 3rd notice to work out a suitable chance, because I'm going through a Hardship at this time in my LIFE, I have a ILL spouse I'm the SOLE PROVIDER IT'S IMPOSSIBLE too cut 1 pie in 12 slices, I'm being sued & Harassed by some many Debt collection agencies, I have already be Unlawfully defaulted suized Bank account once by XXXX XXXX so I guess the others learned that and trying to to the same thing to me and I have stated that my Wife has been Sick and unable to work for past 5 yrs. I've Not been treated WELL by most of these overbearing Companies, when we were able and more financially stable WE paid every card we both had among us BOTH, now we just don't have anything left after paying our main bills like Mortgage, Car note, water, light, gas, Grocery, medical, car insurance, that XXXX  Garnishment, and Lunch and Gas to BARELY make to to work til bi-weekly wages. I'm 1 more check away from becoming Homeless. Please help me Stop them from XXXX me and causing a XXXX XXXX. My poor Sick wife really suffering from so many issues, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, you name it she's taking medication for it. and this is Stressing her out more and making her WORST. also I noticed a collection agency is unlawfully making a CLAIM for a debt that has been Discharged by origenal Creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Name : XXXX XXXX OF XXXX Opened : XXXX XXXX ACCT : XXXX XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY I have tried contacting these companies and explaining that these accounts are not mine. They have not responded or given me a call back.

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