BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  UNIV Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX SERVICE Date of inquiry : XX/XX/XXXX ; XXXX XXXX SER Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BBVA FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is the second year in a row I have tried to close my CD when it matures at bbva. Before it matured they were sent a letter and email a deposit slip from XXXX XXXX XXXX to deposit funds from CD. A transfer request from XXXX XXXX  to deposit funds from maturing CD. All have been ignored by bbva they continue to want customers to jump through hoops to receive my money back by forcing them, they are requiring me to get medallion stamps or notaries which no other bank has ever required. As a senior citizen Im offended that these people will not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: ENCORE CAPITAL GROUP INC.
State: AL
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:
I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have Midland Credit to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Im highly dissatisfied with the experience I am getting with Equifax and XXXX. On XX/XX/2020 I notified Equifax that it was multiple errors with XXXX. They responded saying the information was correct and verified with XXXX. So, I tried to contact Medicredit and I had no response, so I began to ask Equifax what their procedures is. They then told me they contacted them to verify everything, I was still shocked because Ive yet to get in contact with XXXX. The other Bureaus was not able to contact them, so they removed the information. So, this puts me a great belief they never contacted XXXX. Equifax did not want to investigate the matter again until I let them know I was contacting XXXX, with no successful response. They then responded with it has been verified. Once again XXXX has not responded and has violated the law, how is it Equifax is verifying information? 

Please also find attached to this letters sent to Equifax along with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Exeter Finance Corp.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
their has been numerous attempts to have company EXETER finance to show proof of if account is mine and the balance owed first attempt was XX/XX/XXXX asking for documentation as it has been reported on my credit report 31 days later they only responded as verified but know proof as my account this has been reporting on my credit report as charge-offs making it difficult for me to obtain employment because of credit score i also sent letters to EXTER finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but i still get same response as this is verified as your account but by law since they did not adhere to law should be delted from my credit report thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX, XXXX XXXX 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 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 2018-03-01
Company: EQUIFAX, INC.
State: CA
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 checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX BANKs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: IN
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX OH ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Someone broke into my dorm room and stole all my stuff including my ID and social. I have unauthorized inquires on my credit report. I have filed a report & attached.

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 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 got this accounts that is not mine and i want it to be remove from my credit. 


1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Netspend Corporation
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I received an email from XXXX pay cash. It gave me a phone number and told me I needed to call immediately. The first thing that was asked after dialing the number was my social security number I was spooked. I hung up, did not provide my SSN. I called XXXX normal customer service at XXXX. I asked if the number for XXXX Pay cash was valid. XXXX told me yes, the XXXX Pay cash number was valid and that I should call them for further assistance. I called the XXXX pay cash number back. I was told numerous times by numerous agent that they could not help me. They kept telling me literally to hang up and call back and they could not help. I finally got through to One agent who was able to look into my account and told me they may have contacted me about sending out a new card or something like that. She put me on hold to look further into the details and then I was transferred to another random agent who had no clue what was going on and said we had to start all over but then she said she couldn't help me. 

Additional identifying information in the email body I will provide here. 

XXXX Pay Cash is a Prepaid card issued by XXXX, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend, a XXXX XXXX, is a registered agent of XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

Card may be used everywhere Debit Mastercard is accepted. 

XXXX and XXXX Pay are registered trademarks of 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 explanation
Consumer complaint received 2023-07-31
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a home equity line of credit. I am XXXX  years of age. I have my assets within a revocable trust. US Bank, after I completed all other steps, would not accept my Trust without explanation and stated I would have to draft another Trust. I am an attorney who drafts Trusts and litigate Trusts disputes in California. My Trust meets the appropriate standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am writing this letter in regards to the Capital One # XXXX on my credit file. I am requesting a copy of the original agreement and original contract from the creditor with my signature that shows that I agreed to the terms and agreement provided by Capital One for the account above. This is not a request for a debt validation letter, but a copy of the original agreement that was signed when this account was created. If there is no legal contract binding me to any terms and agreements set forth by Capital One for # XXXX and if you can not furnish an original agreement, please permanently remove this account from my XXXX credit file as there is no proof that legally I signed an agreement with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2020-02-05
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: Old information reappears or never goes away

Complaint:
I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Chase DDA had 3 service charges of {$12.00} due to my employer removing my direct deposit set-up to my Chase DDA. I called Chase on XX/XX/XXXX to inform them of why the direct deposits weren't coming in and that there is scheduled to be a direct deposit on Friday, XX/XX/XXXX therefore I wanted to see if the {$36.00} in fees could be reversed, bringing my account balance back to a positive {$0.00}. After a long hold on the phone, the representative indicated that he received approval to reverse the fees, which I would see credited in approximately 3 days. 

To my surprise, when I logged into chase.com on Friday, XX/XX/XXXX to view my direct deposit, my Checking account no longer appeared in OLB. I contacted Chase customer service again on Friday, XX/XX/XXXX and they informed me that the account had been closed. When asked why, I was told Chase closed it due to inactivity. When I spoke with the representative I explained that I didn't want the account closed and that the direct deposit of {$250.00} came into Chase on XX/XX/XXXX as planned ( and they confirmed ) so where are those funds and why was the account closed? 

In addition, I recived an e-mail from Chase on XX/XX/XXXX indicating that my deposit account statement was ready for viewing ... when I go to chase.com to view the statement, I can't because the account is no longer listed in OLB - how can they communicate a deceiving practice like this to consumers?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: Southwest Credit Systems, L.P.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get unwanted harassing calls from this number DAILY. I informed them to stop calling my number. I informed them that I am on the do not call registry. This debt does not belong to me. They are calling my phone looking for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: TN
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 to equifax about this issue 3 times now. 

There is an account on my credit report with them that has NO original creditor or collection agency name. They are also reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment THERE IS ALSO NO CREDITOR, COLLECTION AGENCY OR COMPANY TO CONACT TO REQUST ANY INFO! 

I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Atlantic Credit & Finance , Inc . 
XXXX XXXX XXXX XXXX, VA XXXX This company was asked to stop calling me at work on several occasions. This started in XX/XX/2018. I have repeatedly told the young lady, XXXX, that my work does not allow me to get personal phone calls. Not only does she not listen she continually calls back and harasses me at work. 
XXXX is the number she continually calls me from. Her extension is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen and used to open TD BANK USA/TARGETCRED. I have filed a police report and FTC Report. I am preparing a lawsuit. After informing XXXX and TD Bank i have gotten nowhere. they do not investigate the matter even with the police involved.

Company response to consumer: Closed with non-monetary relief