BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
My issue just occurred the evening of XX/XX/2020. The location ; XXXX XXXX XXXX XXXX of XXXX, Oregon. I stopped in to do a bit of window shopping and get some pricing on a new Truck. I had my XXXX XXXX as a trade in along with a {$5000.00} deposit. They informed me that they would have to run a credit check. I advised the dealership that I was currently restoring my credit and that I could not have anymore hard inquiries on my report because I'm currently working on getting my VA home loan in order. That requires a minimal credit score in order to qualify. I've worked my butt off for the past 3 years to get to this point. The moment I get everything paid off and ready to move forward to the next phase, these guys pull this shady business. I authorized only one credit check to be processed, and that was through the Federal Credit union I use. I had already talked to my bank in advanced about my plans on trading in my car and financing it through them. All was agreed on, and I set out to find my new truck. I guess the dealership had other plans for my credit, because even after I had told them, a half dozen times, that my credit only had room for maybe one more hard inquiry before disqualifying my VA Loan. I guess none of that mattered to them, because they went ahead and decided to push through every inquiry they could to find a financial lender. They did find a bank that would finance me, but it wasn't the one I requested. In matter of fact, the bank I requested, wasn't even put in the inquiry list of potential financial options. I'm not sure how legal any of this is, but I feel as if I was just cheated out of 3 years of dedicated work fixing my credit and to build a life. I've contacted the Dealership and in the process of contacting the financial groups to inform them of the unauthorized credit inquiry that was falsely allowed to be processed. Permission was given to inquire about my credit report for only one institution. It seams I was purposely mislead and provided false information by the salesman in order to complete the transaction regardless the cost to the customer. Again, I gave verbal permission multiple times for only 1 hard inquiry and no more. I was very adamant, and was never told anything about the 10 other companies that would also be given access to my report. Just doesn't make any sense. Why would they be so selfish? Even after being told that my credit could not handle anything more then 1 hard inquiry, they made the choice for me and chose to proceed with running unauthorized reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2021-01-29
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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CORELOGIC INC
State: CO
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-12-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My husband and I paid off all of our federal student loans through Mohela and XXXX in XXXX. Using the payoff calculator, we submitted the full amounts requested. I then had a - {$0.00} balance with Mohela. The same thing happened with my husbands loans through XXXX, but with a larger balance of less than {$3.00}. Neither of us have been able to get the refunded amounts. My concern isn't the amount of money, it's the fact that : 1. Services are overcharging and not automatically reimbursing borrowers. Students are penalized for under and late payments, but why not the servicers? This is a dangerous double standard at best, and at worst is a form of financial fraud known as " salami slicing '' and it needs to be addressed with the same urgency that students are consistently faced with. My Mohela account doesn't even reflect the difference anymore. It just says that the amount owed is {$0.00}, which is further proof that these servicers are both taking advantage and sloppy. 

2. We have not been able to get help through messaging through our accounts. We have also not been able to get answers via phone. I could not reach Mohela via phone. My husband called XXXX twice and they had to file some paperwork for him to get reimbursed and after XXXX phone calls, no one was able to properly help him and they never followed up. Both times, he waited several hours to speak to a representative. The fact that they couldn't help him twice was bad enough. Why aren't these transactions automated? 

3. People in our position with non-urgent calls are forced to increase the phone wait times when it's already impossible to reach customer service.

4. The government should hold services accountable and reimburse students promptly. Students who overpay and are owed funds should earn interest on funds being held by sevicers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: IN
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 is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has acted in bad faith in violation of both California law as well as Federal law by illegally retaining my security deposit and deducting expenses without providing valid documentation. The debt Fair Collections and Outsourcing ( FCO ) is attempting to collect on their behalf, {$610.00}, is invalid. 

I sent the attached letter by certified mail to XXXX XXXX detailing that they were in violation of California law and had not provided me with any receipts detailing the deductions taken in compliance with their obligations as a landlord. I also explained that any further action taken to collect or retain my deposit would be considered as being taken in bad faith and that they would be liable for enhanced penalties, attorneys fees, and fines should further legal action become necessary. After XXXX XXXX received the letter on XX/XX/XXXX, they stopped responding and refused to send my security deposit refund as required. Several months later I was contacted by FCO and notified that this illegal and alleged debt owed by me had been referred to debt collection in bad faith, thereby placing them in violation of the FCRA. 

In addition to the issues stated above, I also dispute the charges listed as being patently untrue and blatant attempts at scheming more money out of their tenants. For instance, the move in sheet provided in the documentation sent by FCO clearly states that the apartment was in an unclean condition at the time of move in, XX/XX/XXXX. This sheet was signed by XXXX XXXX acknowledging the condition at the time. Therefore, as required by California law, I am required to return the apartment in the same condition received, minus any normal wear and tear. The carpets were in great condition as evidenced by the move out inspection conducted by XXXX ( head maintenance employee ) as well as the apartment in general. As for any stains or damage to the oven range and the refrigerator, the maintenance records retained by XXXX XXXX, which they refuse to provide, clearly show that these units were old replacement units brought in mid-way through my tenancy since the original units were broken. These units came with stains and damage already on them and this was acknowledged by both XXXX and XXXX, employees of XXXX XXXX. Lastly, the bill for XXXX is incorrect and should not have been deducted from my security deposit.

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 2018-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As mentioned to Capital One, I did not open an account with this company. It may have been a result of someone using my personal information. Capital One has not produced any physical documentation after various requests. They do not have a copy of any contract that I, myself, have signed or even have a copy of the ID used to open the account. Anyone who may have had access to my personal information may have opened this account. My request for a reasonable investigation has yielded nothing more than the " XXXX '' " verification method, which has done nothing but match information already recorded. Capital One HAS NOT investigated who may have actually opened this account, by sending me a copy of the contract and/or ID used to open it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have tried to call US Bank Relicard on several occasions to close my account/card that was issued by XXXX XXXX XXXX XXXX XXXX XXXX  for child support. I can never speak to someone as the automated system always hangs up on me. I destroyed the card but their fee schedule shows an inactive fee of {$2.00} and I don't want to be charged.

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 account below XXXX XXXX XXXX XXXX  XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX Balance : {$8300.00}

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 explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible

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 2021-09-14
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I did not and they are invading my privacy.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Which they did not and I also got this deleted from experian for inaccurate information and the debt not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We Got approved for a loan modification with XXXX XXXX services on XX/XX/XXXX We made our trial payments Starting XX/XX/XXXX till XX/XX/XXXX And XX/XX/XXXX XXXX XXXX XXXX Never sent the permanent contract on how much our mortgage would be on XX/XX/XXXX XXXX XXXX XXXX sold our loan to Rushmore. So we ask Rushmore if they could honor what XXXX Gave us and they said NO we will have to fill out for a new loan modification and we did and have been denied twice please help us we do not want to lose our home but they are not trying to work with us at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've been trying to reach out to Experian, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof.

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 2018-08-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a severly XXXX, formerly homeless unemployed veteran with no money and no assets. I had XXXX $ in my account which my widowed XXXX year old mother gave me to eat and wells fargo bank stole it, YES STOLE IT, out of my account without notifcation, THE WEEK ENDING XX/XX/2018. I have not been able to eat or supply myself basic needs becuase of this in over a week. 
I CONTACTED THE WELLS FARGO AND THEY TOLD ME TO GO TO XXXX. THIS IS HOW THIS DIRTY EVIL CORPORATION, WITH BILLIONS OF LAWSUITS AND GOVERNMENT SANCTIONS AGAINST IT, TREATS OUR NATIONS VETERANS!! I DEMAND MY XXXX $ BACK NOW!!

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 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed complaints about false information appearing on my credit report with XXXX, Equifax, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed. 

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/XXXX I traded a XXXX XXXX XXXXXXXX truck to upgrade to a XXXX XXXX XXXX truck, I was talked into leasing instead of purchasing the vehicle. The dealership this took place was at XXXX XXXX in XXXX XXXX and 3 months later they sold to XXXX XXXX. The contract I signed was a digital signature and the residual balance is {$22000.00}. XXXX has a different residual {$30000.00}. I have contacted XXXX XXXX multiple times and XXXX Consumer Affairs did not get any helpful advice other than XXXX stating that each dealership is independently owned. I filed a complaint with the Attorney General Consumer office and XXXX XXXX XXXX XXXX XXXX tried to help with the complaint reached out to XXXX and stated same results they told me. If this happened to me how many other people did this happened to. I will attach all documents I have regarding my complaint. Also the last person that was suppose to make a judgement on the case was XXXX XXXX XXXX Any help would be greatly appreciated, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
there are in accurate reportings on several accounts, late payments and charge offs that are not true

Company response to consumer: Closed with explanation