BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: NJ
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:
According to my recent credit report request from XXXX, XXXX, Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX  XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I closed my money market account with Truist. I was then told i will be able to receive my {$1000.00} balance in 30 days. I have called numerous times after the 30 days. Each time I call Truist to speak with someone regarding my funds I am told something different. I was told I owe the bank {$11.00} ; I gave permission to have it deducted from the balance. The acct was closed in XXXX, yet Im still being charged interest. I just spoke with the bank again today was told that there is a hold on the funds. Noone can explain to me why? I just want my money from Truist that belongs to 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 2023-01-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, Navy Federal Credit Union, AND all three major credit bureaus. When I previously disputed this item -- XXXX XXXX XXXX XXXX response was providing a statement from NFCU showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. Navy Federal Credit Union required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My NFCU CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. 

My next step is to file a complain with the Florida Attorney General 's office and also to file suit against XXXX XXXX as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that XXXX IS still attempting to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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 XXXX Account xxxxxxx, XXXX Account xxxxxx, 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

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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I received a notification that someone was trying to use my debit card.They denied it and sent me a new card however they sent it to the address of the person trying to use it.I had no clue until it was too late and they had taken XXXX $ out of my account, I filed a claim to get reimbursed and after 2 and a half weeks my claim was wrongfully denied.Now XXXX $ is missing.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, last date reported is Inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 602 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions Also, Credit bureaus took more than 30 days to complete my investigation Here is my CERTIFIED MAIL Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2021-04-14
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I checked my credit report in XXXX of 2020. I saw there was an account opened with Capital One and I never opened that account. This account was opened in XX/XX/2020. I called capital one sent all documentation that was needed fraud affidavit police report and ftc report and was told I need to know who the suspect was. I don't know who the suspect is! I have never opened this account. I submitted a complaint and was told this account was valid. I never lived in XXXX XXXX the number they had on file is incorrect. I called them several times about this account. This is not my account and I will sue capital one. I never had a checking account they have on file. My identity was stolen. This is incorrect information that is reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection from TSI regarding an account with XXXX opened in my name with all my information. I have sent what the collection company requested to dispute this debt. I will contact XXXX as well. I am not responsible for the 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 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I have several billing disputes with several merchants. This useless bank keeps asking me for documents and when I send this useless bank the documents it asks me for it's never good enough for them! Useless! I'm an excellent customer with excellent credit! I maintain my account with this useless bank impeccably! I expect more from the banks I do business with! I need a bank who will work hard for me! That's not this useless bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA, XXXX DOB : XX/XX/XXXX last XXXX of XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXXXXXX XXXX to the Credit Reporting agency by the name of Equifax. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXXXXXX XXXX will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 of Fair Credit reporting act this creditor XXXX XXXX XXXX has violated my rights! On this date XXXX & XX/XX/XXXX there was a late payment on my report as well as XXXX, XXXX, XXXX, XX/XX/XXXX. Under 15U.S.C 1681 sec. 602 states I have the right to privacy. 15 U.S.C. 1681 sec. 604 ( A ) sec. 2 a consumer credit reporting agency can not furnish an account without my written instructions. 15U.S.C. 1666b a creditor may not treat a payment for a credit card under an open end consumer credit plan as late for any purpose. 

Thank you for your time, 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 explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
For the last 6 months, I have been trying to dispute my Credit file and have the disputed accounts corrected or deleted from my Credit Report. I have been submitting dispute letters as well as CFPB Complaints requesting that the Credit bureaus comply with the Fair Credit Reporting Act, and yet thy have done nothing! My constant requests and disputes have been constantly ignored by the Credit Bureaus! I previously sent a dispute letter to the Credit Bureaus dated XX/XX/2022. I am submitting this CFPB complaint to request to the Credit Bureaus that they look deeper into this matter as they are required to do under the Fair Credit Reporting Act. If the Credit Bureaus do not comply with the terms of the Fair Credit Reporting Act, I will be forced to file the lawsuit that we have been preparing. If it is not too much to ask, I need the following accounts corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}

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 2017-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Capital One : 3 accounts- 2 credit cards and 1 auto loan. 
They call everyday, incessantly. 
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 I have tried to make payment arrangements but even then they call everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: MO
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:
For the last 6 months, I have been trying to dispute my Credit file and have the disputed accounts corrected or deleted from my Credit Report. I have been submitting dispute letters as well as CFPB Complaints requesting that the Credit bureaus comply with the Fair Credit Reporting Act, and yet thy have done nothing! My constant requests and disputes have been constantly ignored by the Credit Bureaus! I previously sent a dispute letter to the Credit Bureaus dated XX/XX/2022. I am submitting this CFPB complaint to request to the Credit Bureaus that they look deeper into this matter as they are required to do under the Fair Credit Reporting Act. If the Credit Bureaus do not comply with the terms of the Fair Credit Reporting Act, I will be forced to file the lawsuit that we have been preparing. If it is not too much to ask, I need the following accounts corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX  XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Equifax XXXX submitted a hard inquiry and I did not request it. It is almost impossible to contact them. I have been working hard to establish good credit and do not need something like this to appear. I do not have a mortgage and any residence still in my name was part of a chapter XXXX bankruptcy 8 years ago that was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND SANTANDER IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AR
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 been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX  Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX XXXX : XXXX. XXXX, 2023.

Company response to consumer: Closed with non-monetary relief