BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Spring Equity LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The company Im having a issue with is Spring EQ over a Home equity line of credit. I have attempted to contact them over 6 times, I have email transcription of all the attempts made and yet no response via email or by telephone has been made to me to resolve the issue. This is is a simple as they come, you have to be a irresponsible or simply incompetent to not being able to resolve this. Upon the disbursement of funds I received 4 checks to pay off creditors, one of those checks came for the incorrect amount. This was after I sent up to date statements and even gave the information to a rep, still the check came in incorrectly. I need a check resubmitted to me for the right amount and the difference be issued to me since the new check is less than the amount originally owed. The escrow company cutting the check has heard NOTHING, Spring EQ has not responded to any of my inquiries. All I want is a correct check issued for the creditor and the difference provided to me! For a consumer to have to go through this is absolutely incredible, Im reporting this because there shouldnt be this disconnect of communication of any funds - specially when it has to do WITH MY HOME! I expect a response from some on about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NY
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Account information incorrect

Complaint:
I have attempted to correct the information on my Transunion report four times in the past with the following closing dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All disputes have been futile. I am in the Total and Permanent XXXX status with my XXXX  student loans, with the loans ( including a Joint loan with my spouse ) having been transferred to XXXX last year ( XX/XX/XXXX). However, the joint loan stills shows. My problem is that Transunion is showing this loan twice on my report, one for {$86000.00} ( correct amount ) and one for {$83000.00} ( incorrect amount ). Basically, this is a dual report of the same loan as I have only one joint loan with my spouse.

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 2021-05-02
Company: EQUIFAX, INC.
State: OH
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:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the XXXX law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and XXXX authorization. XXXXPlease provide a breakdown of fees including any collection costs and medical charges XXXXProvide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is my 2nd time contacting you all regarding my disputes to XXXX, Equifax and XXXX. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXX XXXX XXXX XXXX-XXXX- Unverified Account XXXX/XXXX  -- -xxxxxx-Unverified Account XXXX XXXX XXXX-xxxxx-Unverified Account XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with LVNV. I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. I want this tradeline removed from all 3 of  my credit reports along with a letter stating LVNV promises not to sell this account to anyone or try to collect on this invalidated account again. LVNV buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. Not only that, this debt has been re-aged and has been time-barred and has continuously been reported. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that LVNV needs to be thoroughly investigated for their illegal practices. If LVNV decides to sell this account or transfer it to another one of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit. I have never received anything from LVNV via mail or from their other companies who call ( Resurgent Capital Services ) etc. This is yet another violation of the FDCPA. Please remove this account from my credit reports and agree not to sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is my 2nd time contacting you all regarding my disputes to XXXX, XXXX  and Transunion. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXX XXXX XXXX XXXX-XXXX- Unverified Account XXXX/XXXX  -- -xxxxxx-Unverified Account XXXX XXXX XXXX-xxxxx-Unverified Account XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/1974 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-04-12
Company: EQUIFAX, INC.
State: SC
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 reached out to Equifax because the XXXX ACCOUNT is reporting inaccurately. I've sent over 5 letters and haven't received a response or proof that an investigation was conducted. I'm looking to refinance my home soon and this inaccurate information is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Access Financial LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been battling with XXXX XXXX XXXX and XXXX XXXX XXXX, regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity XXXX XXXX XXXX XXXX that the account was sold to I was told since they are not the company reporting the account that it is XXXX XXXX XXXX XXXX responsibility to fix the errors or delete the account. 
Furthermore after XXXX  XXXX XXXX made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
XXXX  XXXX XXXX is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the XXXX law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and XXXX authorization. XXXXPlease provide a breakdown of fees including any collection costs and medical charges XXXXProvide a copy of my signature with the provider of service to release my medical information to 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 2023-10-31
Company: WELLS FARGO & COMPANY
State: TX
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:
Re-opening CFPB case XXXX which is tied to Wells Fargo case XXXX. 

On XX/XX/23, I filed a claim with Wells Fargo to dispute fraudulent transactions from XXXX, XXXX. There were 9 transactions in total and the full amount on the claim was {$4400.00}. These transactions appear to have been made on XX/XX/23 and XX/XX/23. The claim closed XX/XX/23 and sided with the businesses. I called the claims department to ask what these transactions were and how they validated they were appropriately authorized. Wells Fargo deemed that these transactions were authorized by stating that, " the card was present and the chip was used. '' Additionally, I was never contacted by Wells Fargo during this investigation period to provide additional evidence or assistance in the claim review process. Transactions : XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$530.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$200.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$730.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} XX/XX/23 PURCHASE INTL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX Amount : {$420.00} If these claims were authorized by my card then Id like to file this claim as fraudulent charges/transactions rather than unknown transactions. A card being present and chip used is not a sufficient conclusion to a fraudulent transaction as a card can be held by someone else, such as bartender holding on to a card for a tab, for example.

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 2021-07-27
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: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted any credit reporting agencies or XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. 

These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX, Acct : 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 explanation
Consumer complaint received 2021-05-02
Company: Experian Information Solutions 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:
Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$1300.00} Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$4400.00} Account : XXXX XXXX # XXXX Date open XX/XX/XXXX Amount {$6100.00} THE ABOVE ACCOUNTS ARE NOT MINE. I HAVE DISPUTED ACCOUNTS WITH EXPERIAN AS WELL AS XXXX XXXX AS NOT MY ACCOUNTS SEVERAL TIMES IN WRITING. ACCOUNTS STILL REMAIN ON MY CREDIT REPORT. 
I specifically, deny that these alleged accounts/debts and/or accounts stated/implied and/or obligation is certainly NOT mine, if this alleged account/debt and/or account stated/implied is certainly NOT mine, I deny that these account/debt and/or account stated/implied and/or obligated to is NOT authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan-level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with XXXX XXXX or any of its Affiliates nor have I ever engaged in any business with XXXX XXXX in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation of my good name, and has caused me injury for which I will seek redress, compensation, and settlement. I specifically demand within XXXX days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief, and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 a account without my written instructions.

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 2021-07-27
Company: EQUIFAX, 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 checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Capital one Quicksilver. Charges were added to a brand new card. I called told them I did not purchase game at. XXXX. XXXX. They cancelled card issued new one. The new one came and I saw statement and charges were never credited back. The new card was already charged again with same fraud site again. I honestly think its capital one. Way of fraudulently not fixing problem. Hurting consumer credit when I tried to cancel entire card. Never helpful. Dont see them adding payments I have sent them. There is something very wrong with this card and no help from customer service. They just want to lock card and continue adding member fees. Please investigate. No one should have to deal with fraud in this manner. Hurts credit XXXX score mess now. Horrible ordeal!

Company response to consumer: Closed with explanation