BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is violating 18 USC section 1342 - fictitious name and address. Equifax received a complaint from me this XX/XX/2023 regarding the fictitious name and address present on my consumer report and I requested the fictitious name and address be deleted. Instead of doing so, Equifax maintains the stance that the name and address in question is current. Equifax does NOT have first-hand knowledge regarding that fictitious name and address. I as the consumer have the first-hand knowledge regarding my true name and address. What's more, the fictitious address Equifax is maintaining on my consumer report as a 'residence ' is actually the street address to a Post Office Box in XXXX XXXXXXXX XXXX Texas . I never lived at a post office box nor would that ever be considered an actual place of residence. I never consented to have that fictitious address on my consumer report and never consented to having a fictitious name on my consumer report, yet Equifax is willfully violating 18 USC section 1342 and 15 USC section 1681s by maintaining the incorrect information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent, authorize nor benefit from any of the following inquiries. Please Block and remove the followings inquiries from each bureau : 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I informed Smith Debnar Drake Saintsing & Meyers LLP That XXXX lied through their teeth. I had an agreement with them. I even had a XXXX XXXX scream at me over the phone. I refused to give them access to my bank account after they went in and caused over drafts fees WITHOUT PERMISSION. Other retired employees have had the same thing happen to them. They owe me {$71.00} for those fees and the hassle and stress with dealing with their employees. They cashed the checks fainal payment and paid in full. Now I don't owe {$3300.00}. Good luck you can't get blood from a stone. I barely make it as it is and we are looking at being homeless as of the XXXX of this month. XXXX charged higher fees because of my zip codes. I did not live in a wealthy suburb and got charged for it. May they and their lawyers get flat lined in the economy and have no bailouts.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted XXXX about an unauthorized account on my report. I asked for it to be deleted and they assured me the account is mine without any investigation or proof of contract the original agreement. No action has been taken.

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: CAPITAL ONE FINANCIAL CORPORATION
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 XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have reached out to One Main several times by certified mail to address this inquiry showing on my credit report. it has now been over 30 days and i still havent received the proper validation for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection first appeared on my credit report in XX/XX/2023. The original creditor is XXXX and the original collection agency was XXXX XXXX XXXX. XXXX XXXX never sent a notice, I first became aware when the collection appear on my credit report. I requested validation of the debt. They did not reply and instead sold the debt to National Recovery Agency while verifying the debt as accurate with the credit bureaus.

I reached out to National Recovery to validate the debt and never heard back. My attorney sent the attached letter titled " National Recovery '' in XXXX and we never heard back/ they never took steps to validate the debt. Yet they continued to verify the debt with the credit agencies. 

Subsequently, my attorney sent the other letter attached " Letter to Credit Bureaus '' in XXXX. Yet somehow the company continues to verify the debt with the credit bureaus without providing any documentation or validation. 

I am not sure how/why I am stuck in this loop. But, bottom line, the debt was never validated/verified and they continue to blatantly ignore correspondence while somehow verifying the debt as accurate with the credit bureaus. As far as I know I paid everything I owed to XXXX. I think this is some sort of mix up that they absolutely refuse to prove.

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 2023-05-24
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Closed Fidelity card due to multiple fraud incidents. After closing, a merchant refunded {$1000.00} to the card, for which I asked Fidelity to refund via check in early XXXX. This check was never sent. 

Later, I disputed another part of this transaction with the merchant for ~ {$3500.00}. Fidelity disputed the full amount. After resolving the issue with the merchant, I asked fidelity to cancel the dispute which they have yet to do. This now shows a balance on my account. Despite multiple calls and hours on the phone, fidelity has not been able to send a check for the {$1000.00} credited to the account. 

During multiple calls, it is clear that their internal systems are not showing full details and they are unable to piece together the full sequence of events.

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 2023-10-04
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out and cancelled this account XX/XX/2022. I have already spoke with customer service last year for sending me to collections for charges after XX/XX/2022 and it was cleared and now I just had a new notice on my credit report for charges from XXXX XXXX XXXX at an address I had cancelled and did not live at the time. 

This has now been fixed for the second time and the debt collector on my credit report is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: CO
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 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 am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.

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 2023-05-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland credit management is reporting a collection account to my credit reports for a XXXX XXXX card that I never had. In addition to the debt not being validated/verified after disputing, it has remained and the amount owed is being increased over time. I have never heard anything from this company and this fraudulent account is preventing me from qualifying for a mortgage. 

The original amount they reported on XX/XX/2019 and now the balance is showing {$620.00}. There is no original account on my credit report because I did not have this card ever. I have asked for all documentation showing that 1 ) This account actually belongs to me and 2 ) Midland Credit Management actually has the right to collect money from me and I have not received this information. Due to these facts, this account should have been deleted. 

This account is inaccurate, in violation of the FCRA and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I got a reservation on XXXX for a night on XX/XX/XXXX to XX/XX/XXXX for {$190.00}. At the XXXX XXXX in XXXX XXXX. But when I got there the hotel was full. And I've been trying to get my money back, and they would not help me. I also contacted my bank and they denied my dispute. And I find that it is messed up to stay at a hotel, find that it is full and they won't give me my money 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
Consumer complaint received 2023-10-04
Company: Westlake Services, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This it is a debt on a charge off from a auto loan that is been paid already and still show up on my credit report I need to be delete from my credit report the creditor name it is Westlake financial svc XXXX and also XXXX XXXX it is been paid off and still on my credit report as a charge off paid and I need to be remove from my credit report 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 2023-04-20
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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: WELLS FARGO & COMPANY
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX '' and an XXXX agent '' which involve me making deposits for a total amount of XXXX XXXX, XXXX usd from wells forgo account to fraudulent investment firm ( 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 2023-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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. 

Account name : # XXXX XXXX, Account number 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 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 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I initiated a transfer for XXXX from capital one bank to XXXX XXXX XXXX denied the funds as noted in my cfpb complaint to them CFPB Case XXXX. They stated funds would be on hold for 30 days and then capital one would need to to a SRXXXX  return on the funds. Capital one sent me ACH documentation stating the funds were rejected from XXXX  Tracing number XXXX. Claim/case number XXXX. Twice capital one has denied my claim. Manager said it was in wrong department and now dealing Richmond XXXX XXXX. Its been 2 weeks and still no resolution. Manager today said she didnt think they would be able to handle. Account XXXX. Would like the funds be returned to account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-26
Company: Merchants and Medical Credit Corporation, Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Merchant and Medical submitted a collection of {$1200.00} stating I owe o debt to XXXX XXXX XXXX  as of XX/XX/XXXX. The information is not valid. The communication with the creditor is not effective I've filed disputes with XXXX   requesting Validation of proof this debt belongs to me and have not obtained it. This is a fraudulent account that does not belong to me and XXXX  is not verifying accurate information nor providing me with proof that I owe the debt as it will be impossible because it does not belong to me. I've made efforts to contact XXXX  on the phone as I can not dispute the collection online anymore and the high call volume proves unsuccessful. I removed a fraud alert from my reports as it was complex applying for credit. Since this poorly investigated collection I've added it back. As I've been a victim of identity theft by my half- sister and its verified with police reports dating back to XXXX. This account with Merchant Medical nor XXXX XXXX belongs to me and has not been properly verified furthermore XX/XX/XXXX when the account opened I lived in XXXX, GA drivers license nor utilities have reflected a XXXX address since XXXX and it was of XXXX XXXX, XXXX, MI. I have not lived nor granted permission for anyone to at XXXX XXXX. Original lease contract and identification provided for the application, and proof of utilities, employment information as all of this is required when leasing and needs to be provided as proof this apartment was actually leased and occupied to me. Since XX/XX/XXXX I've served as a legal court ordered guardian to XXXX children and we have never lived at a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
When making the purchase XX/XX/17 XXXX the dealer was suppose to fix the a/c. I went inXXXX to have the a/c fixed. Stayed at the facility 8 plus hours and they didn't have the part to fix nor was the part ever ordered because they claimed they couldn't find the part. This was a part of the deal. Weeks went by and still no call to bring my truck in for service. Although I made several calls to arrange for the a/c to be fixed. The dealer didn't hold up their end of the bargain was not held. They have now placed this on 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 2023-02-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-03-11
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:
I have an unknown hard inquiry on my TransUnion credit report from XXXX XXXX XXXX. Be advised that I have already received a response from the company. They state that can not find any completed inquiries on XX/XX/2020. But still I do have this inquiry on my TransUnion credit report. See attached files with screenshot and company 's response.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get 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

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 2023-10-02
Company: EQUIFAX, INC.
State: NY
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 have been trying to resolve this issue with the loan servicer for quite sometime. They have changed names so much it's hard to keep up with them. Direct loans were the loan servicers for these loans and i have asked them to show me a wet signature showing that I requested these loans and received them. There has been no compliance with validating the debt and it has been ruining my credit for over 10 years. I would like them to remove this from my credit report due to the fact that, there is nothing validating the debt, I have tried to contact them to resolve the problem but the credit bureaus continues to say that the debt belongs to me. I am ready to take this to court if necessary because the response from the loan servicer has always been validating the debt without showing proof. It has affected my life mentally and physically. Pain and suffering is just the tip of the ice burg with what its done to my life. If they do not get this off of my credit report, that is the next step I am taking, no more no less.

Company response to consumer: Closed with explanation