BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2019-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened an credit card with XXXX XXXX XXXX, and purchase furniture with the credit card. I have always paid on the account by due date which occurs the third week of each month. I recently began paying on the account the first of second week of the month because my pay cycle changed from biweekly to monthly. Approximately on the second month after starting my new payment preference, I began receiving alert email messages from company. I called the company to make an inquiry about the email messages. I was informed that my monthly payments were overdue and my name was reported to XXXX XXXX XXXX Collections Department. I expressed my disagreement with what the financial company was reporting, and had the company to view my account for payment history. The company pulled down my payment history and reviewed the payment history with me via telephone. What they had documented reflected that I had made the payments before or on the due date. When I asked why was I receiving alert emails messages, I was told they penalize customers for paying on their accounts if the date of payment exceeds 7 days prior to the due date. I requested my call be transferred to the company manager or supervisor in an attempt to have the resolve the matter. I spoke with XXXX XXXX, manager for Synchrony Collections Department. XXXX XXXX informed me that Synchrony Financial only accept payments 7 days prior to due date and that Synchrony had charged me late fees. XXXX XXXX also informed me that I would be charged late fees each month that I do not comply with their policy. I asked XXXX XXXX to direct me to the location in the written and signed contractual agreement where this policy is stated. XXXX XXXX agreed that this policy is not stated in the contract but it is Synchrony 's policy. I requested for all late fees be removed from my account and was informed that late fees would remain on my account. Since my conversation with XXXX XXXX XXXX, I have paid one of my accounts in full and closed that account out. I have two additional XXXX XXXX accounts remaining with Synchrony Financial. After this incident, I have reviewed all other accounts and discovered that account balances does not appear to reflect correct closing balances. I did not select XXXX XXXX XXXX as my preferred lending company. This company was selected by vendors. I do not liky Synchrony 's business practice and strongly believe this company need to be investigated for fraudulent practices.

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 2019-11-01
Company: Checkr, Inc
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2019, I received an email from Checkr ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, CA XXXX ) company stating : 'Hello XXXX, Attached is a copy of your background report. 
The company that initiated this background check has received a copy of the report as well. If you have any questions about your status with that company, please contact them directly. 
A Summary of Your Rights Under the Fair Credit Reporting Act is attached and can also be found here. 
Checkr will have no further updates for you, as your background check is now complete. 
Best regards, Checkr Inc https : //applicant.checkr.com " I do not remember giving consent to any company or anybody whether it is a credit card company, bank, business.. to initiate a credit or background check on me. 
I want to know who is the entity who asked for my background check without my consent, and I think I should know as a US citizen. 
sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out many times due to the inaccurate reporting of my credit score! Equifax is reporting inaccurate information on my credit report and cause my fico score to reflect as a XXXX! I have no negative or derogatory history. I have 100 % on time payment history and my utilization is XXXX  %!!! 

A XXXX Equifax fico score makes no sense because I know how the XXXX score is broken down. Both my XXXX and XXXX fico scores are in the XXXX with the same exact data! 

This is so unfair and is a defamation of character. I cant do anything. I cant get lending, all banks are turning me away for a credit score that I dont deserve! I have called and called and called and they are telling me the same thing and refuse to put in a dispute. 

I asked for a supervisor and wasnt transferred because I was told they will tell me the same thing. These people dont know how detrimental credit is to life! 

Ive been trying to get an apartment for XXXX months now with no luck due to this and it makes no sense! 

My life is literally on stand still. Please help me rectify this! I need an immediate rapid rescore with the correct data reporting so my credit score and report accurately!! 

Please! Its over a XXXX point difference compared to the other bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Access Receivables of NC Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I wrote a letter to the collection agency Access Receivables Management located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX under the Fair Debt Collection Practice Act I asked the collection agency for the following below : Original creditor XXXX XXXX 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and registered agent Instead they sent me a print out that didn't prove the debt and they didn't send me anything else and the collection item is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, 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 I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. 
I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. For yet another time, My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXX, Balance {$10000.00}, Date Opened XX/XX/XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX, Account Number XXXX, Date Opened XX/XX/XXXX I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: TRUIST FINANCIAL CORPORATION
State: MN
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the proof of payment history and any documentation that this account belongs to me. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the account that still erroneously reporting on my credit report : SUNTRUST BANK XXXX Date opened XX/XX/2016 Balance-

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 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX XXXX, 2016 I visited XXXX XXXX in XXXX, OH to purchase an used XXXX XXXX XXXX. I had pre-approved financing I had obtained with my bank prior to shop for a vehicle. After we agreed to a purchase price I proceeded to give the dealer my bank pre-approval paperwork as my form of payment when the manager advised me that they may not be able to accept my private financing plus they may be able to get me a better deal with one of their lenders. I told him that I was pleased with the financing obtained with my bank ( XXXX XXXX ) and that I did n't need to check other options. The management continue to pressure and asked me if they could just run the numbers with their lenders, just to compare. I asked if it would affect my credit and they said no. I was then offered a loan with Bank of America with a comparable rate to the one I obtained plus they offered new car mats for taking taking the financing with BoA, their lender which I accepted. This year I noticed my credit score was lower than what I expected and noticed XXXX credit inquiries on XXXX XXXX, 2016 for a vehicle loan that are directly affecting my credit rating. These inquiries were done by the dealer after convincing me to check with their lenders after saying it would n't affect my score. I also learned recently that financial institutions do give dealers a commission for offering their products. Now my credit is affected because of a loan I did n't need in the first place.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-12-12
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is reporting open when it should have been closed company was suppose to send verification but it was never received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 non-monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company emailed me about a collection that I do not owe. In XXXX of 2017 I paid the company before it even went to collections. They havent been sending me anything up until now. Which I do not owe them anything. The company was supposed to delete from account but obviously they did not. They were suppose to document the account but I guess they didnt do that either. I asked them to validate the account which they did not they only sent something for a payment. On XXXX  of my credit report it does show paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: MIDFIRST BANK
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was put into forbearance due to the covid pandemic and loss of employment. Now the forbearance has ended I have asked for mortgage modification or hardship h.u.d. assistance. However I have been denied these options by the phone operator. She told me I have 2 options to pay the XXXX forbearance amount or a short sale. This is unacceptable, I should not have to file bankruptcy to protect my home.

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 2023-07-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today, I am filing this CFPB Complaint to notify the Credit Bureaus that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit XXXX XXXX XXXXXXXX to file a report. According to section 605b of the FCRA, the Credit Reporting Agencies are mandated to delete all accounts and information listed on an IDTHEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in deleting the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$6700.00} XXXX XXXX XXXX MO XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023. I would like to highlight that I did not open any of these items or give anyone permission to do so on my behalf. I am convinced that this is a case of identity theft, and I am taking measures to report this to the authorities. According to FCRA Section605B ( a ), the CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: MA
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:
XXXX is in violation of the the FCRA after I am writing due to XXXX none compliance of the FCRA. XXXX has fail to remove inaccurate information from my credit report. XXXX is in violation of the of FCRA refusing to uphold the law. I have provided XXXX with factual proof of my payment made on time for the month of XX/XX/2018. XXXX request me to send them supporting documentation that my payment for the month of XXXX XXXX was made on time to XXXX XXXX before they would delete the late notice for XXXX XXXX. I have provided XXXX  email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.

Company response to consumer: Closed with explanation