BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CT
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:
Equifax states that all of the personal information they have stored about me MAY be impacted by the hack Equifax suffered in XX/XX/XXXX. It was revealed to the public mid-XX/XX/XXXX. They recommended signing up with their credit monitoring product free ( due to this issue ) for a year. When I tried to do this I had to sign up several times, because they were not processing my request. When I called them they simply said they had no record of my signing up and said I would have to sign up again. This is intolerable, unprecedented, and WRONG. For a situation like this the free monitoring service should be a lifetime membership, because what they allowed to happen will impact me for my lifetime, and beyond. For all I know my SSN, medical records, personal card information, and anything else about my life, could be in many unscrupulous hands and would likely be used for purchases, get medical work done, obtain a visa, or any number of things, over the course of my life and even after I die. This is a life changing event for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: OH
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 got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 ask to have my account verified and they did they stated everything was accurate which it wasnt after doing my own thorough research myself and found several inaccurate information on my report which they claimed was verified and obviously did not, my account reflects that this account was open in XX/XX/XXXX which is incorrect This account was open, XX/XX/XXXX which giving me a unfair chance on path to better credit and if this doesn't get resolved by being remove from my report ill be forced to take this to court In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Midland Credit Management Account # XXXX has violated my rights. 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 explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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:
i was told my investigation was not done until my Id was verified i sent it in but the send my complaint back verified, then send a letter saying my information was deleted from my file and to reach out to other agencies CFPB Case XXXX XXXXXXXX

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 2023-06-29
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi there, I just got off the phone with Radius Global Solutions and was told that I have a debt of {$650.00}. With this information they gave. It looks like this was an identity theft since they had my SSN. 

It is reported the charge is for XXXX XXXX services and failure to return the equipment in Nevada. I only discovered this because I kept getting a message from Radius GS ( I thought this was a scam ) and my credit score recently decreased by a significant margin. 

I have lived in California only since I moved to the US in 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 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
CAPITAL ONE is a company that is regulated by CFPB and they are in violation of laws, statues, and codes that they shall abide by. CAPITAL ONE has taken adverse action against me by closing my accounts due to none payment for medical related complications Im experiencing. CAPITAL ONE went to the extreme and reported to the consumer reporting agencies numerous times late payments which is transactions between the consumer and the person ( CAPITAL ONE ) and utilization which is the experience between the consumer and the person ( CAPITAL ONE ) making the report. Congress says that transactions OR experiences between the consumer and the person making the report is not included in your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordancee with the written instructions of the consumer to whom it relates. 
I have not gave anyone written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: AL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus dated XX/XX/23, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

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: Closed with explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am reaching out because I am currently in the process for being approved for a mortgage. Unfortunately, XXXX feels since my job is 90 miles ( 1hr 40min drive ) from the home I am trying to purchase they've sent me an email indicating I find a job closer to purchasing home and send them a job offer whenever I do obtain a new job. After speaking to my supervisor it was agreed I would be able to work my position remote. My direct supervisor went ahead and submitted the necessary documents and now I am being told that since my XXXX initially stated I was not working remote and now my direct supervisor is stating I can there is conflicting information. I'm not sure if it is because I am a minority that I am getting the run around however I have spoken to many lenders/ realtors and I am told this is out of the ordinary.

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 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased gas at the gas station. Shortly thereafter, I received a charge XXXX miles away at the XXXX XXXX. I reported that my card had been stolen to Capital One. I even provided proof of me at the gym in XXXX at the same time of the transaction which occurred XXXX miles away in XXXX. This occured on Tuesday, XX/XX/2023. The transaction total was {$1000.00}. 

I immediately called Capital One and canceled my card. I also filed a police report in order for them to investigate. I provided Capital One with evidence that I was at the gym at the time of the incident. I have called in to Capital one at least 5 times. They refuse to reimburse me. 

The mastercard  zero fraud policy states that... 

" Have peace of mind knowing that the financial institution that issued your Mastercard won't hold you responsible for unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if : You have used reasonable care in protecting your card from loss or theft ; and You promptly reported loss or theft to your financial institution. '' I qualify for the mastercard  zero fraud liability policy. Capital One refuses to refund me my {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: CO
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 received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 13th 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 XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: CORELOGIC INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This should serve as a written notice to CoreLogic that I XXXX XXXX wishes to put a security freeze on any information on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I ask for a PIN Number involving my Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through fouXXXX more Equifax Confirmation Numbers after asking for a PIN Number to my Equifax Credit Freeze Report. And after asking for a Pin Number to my Equifax Credit Freeze Report. And after five tries one Equifax Representative stated on XX/XX/XXXX, that a creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

This iswas totally incorrect, wrong. I, XXXX XXXX left XXXX, TX on XX/XX/XXXX and moved to the XXXX XXXX XXXX, in XXXX XXXX, GA. And my address was and has been XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX , GA XXXX since XX/XX/XXXX. Then I asked WHICH CREDITOR? 

Even my XXXX XXXX XXXX as well as the Veterans Administrations are aware of my address change since leaving XXXX XX/XX/XXXX. And I have received appointment notices to my XXXX XXXX, GA Address since moving to this address. 

And what is so troubling about these five tries is that my address information has been compromised by a clandestine creditor, one made up by operatives involving the false traffic alleged citation from the lying XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX. 

And what makes this so ridiculous is that Equifax sent me my XX/XX/XXXX XXXX  Score to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My First legal name was XXXX which was changed XX/XX/XXXX. However, both the XXXX as well as that of the XXXX XX/XX/XXXX reflects the same first name. So how is it that a clandestine creditor can report my current address and change it to my old XXXX TX Address. Thus the privacy and the communications of an address change has been fraudulent done via the permission of Equifax without notify me nor sending any information that my address has been changed since XX/XX/XXXX from being my XXXX, GA address to that back to my old XXXX XXXX XXXX address. 

This is criminal and I want to be highly compensated by Equifax in the sum of XXXX  XXXX ( XXXX XXXX Dollars ) for their actions of allowing my privacy to be violated. So who is this unknown clandestine creditor that involved knowing my PRIVACY as well as pertinent information. Whom was allowed to change my address without me, XXXX XXXX knowing about it and agreeing with the change. 

Plus, Equifax has failed to reveal who this XXXX creditor is that violated my privacy as well as my Personal Credit Information. This is criminal and I blame Equifax for allowing such without a consent and agreement by me XXXX XXXX of the XXXX, GA Address. 

Because all of my CREDITORS including the banks whom I have credit cards with as well as Department Retailers, XXXX  XXXX, XXXX and the U S Postal Service. All knows and are aware of my current address as being XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX  or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.

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 2019-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. 

As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$580.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/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 2019-01-19
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Re : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX  Title Policy # XXXX Closing Date : XX/XX/17 To whom it may concern : Following a description of my complaint.

Both, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( closing agent ) are negligent by overlooking an existing lien on the above referenced property.

No document in my closing package mentioned or referenced the existence of a Green Corridor '' lien/ or a consent to assume said loan, payable once a year via the property tax bill.

Moreover, the underwriter failed to include, as a requirement to close in SCHEDULE B - SECTION I, Payment, the cancellation and satisfaction of record of mortgage executed in favor of Green Corridor.

Please contact me should you require any supporting documentation or information.

Looking forward to hearing back from your agency soon.

Sincerely, XXXX XXXX XXXX p.s. YES, I agree that you publish my complaint. I am certain many consumers are in the same predicament and are not aware.

Company response to consumer: Closed with explanation