BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
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: Reporting company used your report improperly

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX A so known as XXXX  XXXX  XXXX Account number XXXXXXXXXXXXXXX Account type XXXX  XXXX  O Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX  halance A

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
there was an injury on my report that was placed well over 60 days ago. I reached out to the company and to have them remove it because I did not authorize it but it is still reporting. I also reached out to all the bureau 's and nothing has been done. Even though I sent information from my credit report they said it wasn't enough information to prove there was inquiry. However, the inquiry still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This item showed up on my credit report and I have no knowledge of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An apartment leasing company, XXXX XXXX, has improperly charged me when I had to leave. I informed them in writing of my intent to leave and this bill should not be included in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
After reviewing my credit report, I noticed some unauthorized inquires reporting and It really impacted my score. These companies have not responded with any updates on the investigation. I have took matters into my own hands and filed a complaint through the FTC. The report number is XXXX This goes against the FCRA guidelines. I need these removed so I can actually apply for a line of credit on my own. Having these inquiries reporting are hindering and will make it really hard for me to get approved. I have attached my identity theft report along with my identity documents for verification.

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 2020-09-09
Company: Amos Financial LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The loan was sold to XXXX XXXX  on XX/XX/XXXX. We made monthly payments to XXXX XXXX. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with XXXX XXXX subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by XXXX XXXX. On XX/XX/XXXX we received a letter from Amos Financial LLC informing us that we owe {$63000.00} for this loan. We sent Amos Financial a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by XXXX XXXX  and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TX
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please read carefully!!!! 


This is the second time I have contacted the CPFB. Previously I contacted you regarding an inaccurate lien on my credit report from XXXX of the credit bureaus. Your help successfully got XXXX of the bureaus to remove the information. Experian did not comply and I need your help. 


The state of ohio misapplied a tax lien with the XXXX XXXX clerk of courts. 

The lien was applied due to a clerical error by the state. No money was actually owed. This was not a real debt. 

The amount due was zeroed out by the state once I became aware of the item on my credit report and contacted the state. 

No money exchanged hands as no money was actually due. 

Let me repeat. This was not a true debt. No money exchanged hands. 

A lien cancellation letter was sent to my home. I took the letter and filed it with the XXXX XXXX Ohio XXXX XXXX XXXX. 

I have attached a copy of said letter to this complaint. 

I have contacted all XXXX credit bureaus to dispute the item and have it deleted. XXXX and XXXX complied, and Experian did not. 

I have actually filed disputes with experian and they all turn up the same. They claim the report is accurate per their investigation. 

I need your help getting Experian to remove the State Tax Lien that was filed with the XXXX XXXX XXXX XXXX XXXX. 

The state cleared up its clerical error. See attached letter. 

The clerk accepted the state 's paperwork but experian refuses to comply. 

I have no way of getting the lien removed. This was not a debt and should not be on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Experian Information Solutions 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:
These inquires and accounts I did not do.

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 2020-10-16
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute on XXXX/XXXX/20 with Citicard for charges for a rental home in Florida. The charges total {$20000.00}. The rental dates were XXXX20, and the rental was cancelled due to XXXX travel restrictions. 

The dispute numbers and amounts are XXXX : {$9800.00}, and XXXX : {$10000.00}. 

Since opening the dispute almost 7 months ago, we've provided full documentation to Citibank. The last written communication we received from Citibank was on XX/XX/20, stating that the dispute is still under investigation. Despite many calls to Citibank, we have not been able to get more information on dispute status nor expected end date. 

I'm attaching documentation which has been shared with Citibank, detailing timeline of purchase and dispute.

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 2018-08-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I opened a HELOC with Wells Fargo Bank with the terms being 10 years interest only and after the 10 years would convert to a 30 year fixed mortgage. On XX/XX/XXXX this loan became a 30 year adjustable rate line of credit not a 30 year fixed mortgage. 

On or about the month of XX/XX/XXXX, I contacted Wells Fargo to discuss what I agreed to upon taking this HELOC because I noticed the conversion was not what I agreed to because this is not a fixed mortgage what was presented at the time of conversion was {$120.00} dollars plus some change would go towards principal and the remainder would be interest. 

After speaking with customer service about XX/XX/XXXX payments being received before the XXXX of the month the due date of XXXX of the month was changed to the XXXX of the month which is something I did not request and charged more interest Wells Fargo changed the due date from XXXX of the month to the XXXX of month on this HELOC and charged more interest each month. The interest on this loan is not Fixed It's adjustable, the loan is still a Heloc but no fixed payments. 

I have never received any payments from Wells Fargo settlements monies they where applied to this HELOC without my permission and then reversed my payments.

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 2021-10-08
Company: Paradigm Assets, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the JHPDE FINANCE I , LLC ( Original Creditor Name XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2022-05-03
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX  XXXX Balance {$10000.00} Date opened XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I noticed three transactions on my account that I did not recognized. I contacted Capital One right away about it, I received a credit but a month later I noticed the same transactions on my card so I called them and they said that they were investigating the charges and to wait a few weeks, but a month later the charges were still in my account so today XX/XX/XXXX I called them again to find out the status and they just said that because the chip was use in the transactions that they will not refund my account, I tried talking to the manager to no avail.

I know that I didnt make these transactions and for them to let anyone use my account and not do anything about it, not even contacting me after the third transaction is unacceptable, also not refunding the money even though I have fraud protection on my account. I am a single mother with XXXX kids and I am trying to make ends meet, this is Capital Ones responsibility to make sure that my account is secure, and I know for a fact that the chip being used can not be an excuse because I have used my chip before and they did not approve the transaction until I approved it over my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX - XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Company contacted family members numbers I did not provide over the past month. I contacted them today on XXXX-18 spoke wothXXXX the lady she then told me she knew who I was and that she knew I went to school with her daughter and she knew a lot about me per social media. After looking into it. I did know he daughter who I went to school with she had given my name and personal information out to her daughter which was looking and following my social media for information and both mother and daughter was talking about my financial information. This is a branch manager and this should not be tolerated with giving personal information to anyone especially family member of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been using a service called XXXX which will give you a temporary card to use for purchases while then breaking the transaction up into 4 transactions charged over the course of 8 weeks. My main credit card is a Capital One credit card and they have suddenly decided they will not allow their cards to be used by XXXX, meaning I can no longer use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: IN
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: SC
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 was recently reviewing my credit report and found some inaccurate accounts. These accounts do not relate to any transactions that i have made. These accounts have been obtained fraudulently to obtain goods or services. I have already filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I will also be filing a complaint with the CFPB. Please block and delete this fraudulent information per sections 15 U.S. CODE 1692 of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ace Cash Express continues to call my business cell phone asking to speak with " Mr. XXXX ''. I have repeatedly told them that this is an incorrect number for " Mr. XXXX ''. I do not know who " Mr. XXXX '' is and I have never personally used the services for Ace Cash Express. I have repeatedly told Ace Cash Express phone representatives that they do not have the correct number and to stop calling me. They continue to do so and the phone reps tell me that there is nothing they can do but put a note in the file. This has been going on for months and months and they will not stop calling me.

Company response to consumer: Closed with explanation