BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent XXXX XXXX XXXX account number XXXX a Validation of debt letter XXXX XXXX has failed to respond according to FDCPA 15 USC 1692g sec XXXX this is a violation, Further more XXXX XXXX XXXX has failed to mark the account as disputed at the time of validation of debt request. 

Also Equifax and XXXX have inconsistency as far as this account goes. 

XXXX reported this account being opened on XX/XX/XXXX Equifax reported this account being opened on XX/XX/XXXX XXXX reported that the account number is XXXX Equifax reported that the account number is XXXX These are all inconsistency and is a violation through the Fair Credit Reporting Act. 
Proof of this has been downloaded through the CFPB Portal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX I have a credit card with Capital one. My last payment of credit card was in XX/XX/. I received a judgement for {$1500.00} dollars on XXXX XXXX thorough XXXX County Texas. I had not received any letters or calls prior too this judgement. Not even one voicemail or email. Including letters. I am unemployed. Over a XX/XX/XXXX dollar with no attempt of trying to even reach out is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2023-01-31
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was disputed with the first collection agency. Now replaced with ERC. I didn't live in Georgia at the time the bill was created. I live in XXXX XXXX FL. I have asked for a wet signature but Noone have been able to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, 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:
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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On the night of Friday, XXXX XXXX, Ive received an alert from XXXX XXXX that Ive received an hard inquiry on my credit score. When I proceeded to check on it, there was a notation that credit was opened at TDBank/Target for an unknown amount. Saturday morning XXXX XXXX, Ive contacted XXXX and TD Bank and yes, it was true. An alert was placed on my credit record as per XXXX Saturday I was contacted by Target Customer Services asking if I have opened a credit card from them? I told them that I did not and was told that the transaction was not approved anyways. They were alerted by TD Bank of what was happening. I have also contacted my bank to make them aware of what was happening. The person apparently had my correct Driver License number and my social security number but no email on file I was told by Target Customer Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
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:
The agencies closed the accounts, but did not delete the accounts, per the request and previous documentation sent over. They only honored the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX  XXXXXXXX Balance : {$300.00}, XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting false information without any proof provided, within the time allowed by law, is not authorized. How can be the payment history shows a 90 days late ( XX/XX/XXXX ) without showing a 30 and 60 days of late payments? You are attempting to violate this clear understanding. Below are the accounts that are reporting late on my Credit Reports XXXX XXXX XXXX XXXXXXXX ***** Opened Date XX/XX/XXXX Balance {$3400.00} XXXX XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 : # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # 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 : # XXXXXXXX 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 an 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 explanation
Consumer complaint received 2021-03-22
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted this bank on behalf of my mother with her consent on XX/XX/2021 @ XXXX this was the conversation My is a my mother is customer of Regions Bank. We contacted you XX/XX/2021 @ XXXX when I discovered what I believe is scam. In less than 2 days she has depleted all retirement/checking account income and with no one questioning her about the transaction which would be abnormal for her account activity. {$9000.00} - XXXX gone withdrawn less than 48 hrs. Allegedly calling from XXXX XXXX saying they are supervisor of the DEA a federal agent would arrest her take everything she owned. Threats made about her kids if she said anything her kids being taken to jail if she give didn't them money. 
I'm so confused. We called the bank trying to explain but the women wasn't helpful. I've contacted the police left emails calls more calls contacted the stores where the crime took place. Contacted an Attorney. Less than 48 hours these criminals continue to contacted and harassed my mother after taken everything. Wow. Thanks Regions, purchased 19 gifts cards each worth {$500.00} at XXXX 's. I tried the the same action today XX/XX/2021 and needed ID and to sign the gift card book to complete the purchase ( store policy ). I guess only on XX/XX/2021 and XX/XX/2021 you don't need ID. It takes a village to protect the criminals. They neither place offered no support nor compassion.

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 monetary relief
Consumer complaint received 2023-08-31
Company: BOK FINANCIAL CORP
State: NJ
Product: Credit 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/2023 XXXX XXXX XXXX was paid by credit card for XXXX different toll transactions. However, we were charged for XXXX. We first started the dispute process with XXXX and was told that they only showed the XXXX transactions. BOK was then called on XX/XX/2023 to start the dispute process for the credit card charges. I was told by BOK representative that we would receive a letter with the case number. On XX/XX/XXXX I called back and let them know we never received the letter. They told me that it was still under investigation and they had 90 days to complete it. XX/XX/XXXX I called again and the case had been closed with no reason behind it. A new case was started and I received the letter on XX/XX/XXXX with the case number. It is now XX/XX/XXXX and I once again had to call BOK for an update. They again closed the case stating the charge was too old to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is an immediate request to investigate the updated data that is inaccurate, incorrect, and false information being reported on my credit report. I am presenting new evidence and statutes of violations to please investigate my concerns. There is a misrepresentation of updated information being reported on my credit report that I owe a debt for collections of {$1800.00} to XXXX XXXX  as my Creditor for a debt owed to XXXX XXXX XXXX  and sometimes identified by XXXX XXXX  as XXXX XXXX XXXX XXXX XXXX XXXX that is inaccurate, incorrect, and false that must be removed. There are strict violations of 15 U.S.C. 1681g in the updated information on my credit report. XXXX, I fully dispute the Collections account with XXXX XXXX as the creditor that appears on my credit report, in the amount of {$1800.00} witXXXX XXXX XXXX XXXX XXXX XXXX XXXX as the original creditor and or also identifying XXXX XXXX XXXX XXXX as the original creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported by XXXX XXXX on my consumer credit report and requesting that you immediately delete this Collections account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for Collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for Collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. XXXX ) I never had any creditor relationship with XXXX XXXX XXXX  XXXX and this information being reported is incorrect, false, and inaccurate that must be removed. This is an immediate demand that all inaccuracies being reported by XXXX XXXX as a Collections account on my consumer credit report must be deleted. 

XXXX deleted this XXXX XXXX incorrect, inaccurate, and false information from my credit report. XXXX please respond why this XXXX XXXX collection account in the amount of {$1800.00} was deleted from my credit report after the information was disputed.

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 2021-03-22
Company: HYUNDAI CAPITAL AMERICA
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:
I have previously filed a complaint with FTC # XXXX. ( Please include that detailed report in whatever communication you share with companies ) Never received a response and the condition has become worse. Revolves around Hyundai Motor Finance Leasing ; my calls them failed to correct. Has spread to credit reporting agencies ; initially XXXX, now others. 
Hyundai leased vehicles to me and another individual who share similar first and surname XXXX XXXX ... ... XXXX. ) and nearly identical SS #. Hyundai has comingled this info and has exposed the personal info of other individual on my account and credit reports. It appears as an " alias '' on credit reports.

The other individual contacted me ( likely got my phone # ) from his Hyundai account and advised that he was receiving Hyundai mail address to me. I was receiving invoices by mail and my online account contained his name. 
I finally gave up and returned my lease early hoping to correct this issue. Now his lease is listed on my credit reports along with a credit card where he is an additional signatory. 
What is wrong with these financial institutions and services? Covid is no excuse for incompetence. 
Attached is a copy of my HMF account page taken 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 2023-04-01
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please delete:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NVXXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries : 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 XX/XX/XXXX XXXX XX/XX/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 2023-04-07
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This correspondence is in regard to the denied application ( s ) for personal loan with One Main Financial. This denial/adverse action is a direct violation of my rights as a consumer.

This is a direct violation of Section 16 of the The Federal Reserve Act resulting in Civil Money Penalty as stated in Section 29.

This constitutes for An Act of Redresse of Inconveniences in accordance with the Cestui Que Vie Act 1666 ; 1666 CHAPTER 11 18 and 19 Cha 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Lending Club Corp
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:
This company violated the law Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar credit device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is used is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under Title 15 Chapter 41

Company response to consumer: Closed with explanation