BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-14
Company: Hosto & Buchan, PLLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX resident and my wages were garnished and continue to be garnished by XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX purchased a credit card debt XXXX XXXX  XXXX allegedly owed to XXXX under my XXXX  name XXXX XXXX. In XXXX XXXX XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them XXXX  and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my XXXX name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the XXXX and I never signed for any papers at the XXXX XXXX in XXXX, XXXX 
I was critically injured in an XXXX XXXX on XXXX XXXX, XXXX and lived with my XXXX in XXXX, XXXX up until XXXX of XXXX I was XXXX on charges stemming from that XXXX. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were XXXX by XXXX XXXX in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from XXXX XXXX or their XXXX XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. XXXX XXXX has failed to send anything to me ever. 
XXXX XXXX is taking at least XXXX XXXX of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of XXXX they have tacked on another XXXX in XXXX costs and " XXXX XXXX interest ''. How can I defend myself for a debt that was incurred more than XXXX  XXXX ago when I have been XXXX for the past XXXX XXXXears? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a single XXXX with a XXXX year old child to support. Please look into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all 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 explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 filed a dispute about a product I purchased with XXXXXXXX XXXX XXXX company. It was the wrong product so I spent XXXX to send it back. The purchase was for XXXX. Capitalone still paid the vendor and refused my dispute even though I returned the merchandise to the vendor. I sent them all the paperwork and they still would not get rid of the charge. As a result I closed both my credit cards with Capitalone. I have had those cards and paid them thousands of dollars in interest and they lost a customer over a XXXX dispute. I called them several times to no avail. So they lost me for life. I will never do business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The bank account was closed without any written agreement. Also there was not a offer to validate the debt associated with the account nor was there an offer to settle the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Transunion credit report in XXXX XXXX 2020 and noticed a hard on my report which I did not authorize. I had then contacted Transunion about this matter but due to the pandemic was not able to get a response. 

The inquiry for - XXXX XXXX XXXX  on the XX/XX/2020 I contacted TransUnion to have this removed but they did not respond.

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 2019-08-03
Company: Experian Information Solutions Inc.
State: MA
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 paid my XXXX Auto Lease agreement in full, but XXXX is showing the account as charged off. 

Dear XXXX XXXX XXXX XXXX  Customer, Your one-time payment made on XX/XX/2016 XXXX XXXX CT of {$470.00} was successfully processed for account ending in XXXX. 

Here are the details of the payment : Confirmation Number : XXXX Payment Amount : {$470.00} The payment was funded from the following payment account : Checking Account Number ending in : XXXX Please save this confirmation for future reference. 

Sincerely, XXXX XXXX XXXX XXXX Please do not reply to this message. Replies to this address are routed to an unmonitored mail box. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL 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 2021-04-15
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
Pacific Union Financial is reporting 4 late pays on my credit reports. I have disputed this erroneous information with the 3 major credit bureaus. Every time it comes back the same, unchanged, as reported I have sent bank statements proving that the payments were not late but they will not change their reporting. the late pay dates are, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. I have asked for deletion but they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I missed payments because I lost my job and was going through financial hardship. I was late on a few other payments and the companies worked with me, but it seriously has affected my life because this is one of 2 cards that has not worked with me during this time. My payment history is perfect outside of this and it is really damaging my ability to move forward with my life. I have contacted them several times before and after these dates with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I agreed to purchase an item with a seller on XXXX. He asked me to use XXXX as payment. The seller requested {$160.00}. Afterwards, the seller block my phone number and any contact attempts. I disputed this with XXXX and they instructed me to go to my bank, BBVA. I filed a dispute with BBVA. They denied the claim and said it needed to be disputed with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Around XX/XX/XXXX, I made a purchase regarding a camera bag via XXXX. I realized, it was not a bag that I wanted, so I made a return request for a refund. I received an e-mail from XXXX and was directed to call XXXX. I was told that I called Pay Pal to get my money back of approximately {$35.00} on XX/XX/2019. When I called the number, a man named XXXX XXXX out of California, told me to go to XXXX and XXXX and purchase several XXXX cards for {$800.00}. He asked me to scratch the back off and read the number to him. Not knowing, I read the number to him. Additionally, he asked to remote into my computer in order to process the refund. My daughter happened to walk in and realized what was happening. The guy immediately hung up when she got on the phone. He continued to call me, demanding that I give him an additional {$2000.00}. My daughter helped me to call XXXX and reset all my passwords and take out the spyware he installed on my computer. Over the course of a week, he continued to call me until I filed a police report with XXXX PD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I just received a hard inquiry notification off of my XXXX XXXX account made by : On XXXX XXXX, XXXX. 

XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have not opened any XXXX 's account recently. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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 called the XXXX credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1800.00} , XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX  XXXX Balance : {$7800.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Experian Information Solutions Inc.
State: IA
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:
Been trying to get them to change my last name from maiden to married and they have refused to change it all they did was put my legal name down as one I used and still reporting, calling me by maiden. I want to have my info be reported correct and addressed proper.

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 2021-03-10
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my credit report they see 2 credit cards with this company because I was a victim of identity theft and they opened 2 accounts with them and with different companies. I have sent them on several occasions a police report and different documents to prove to the company that it was not me who opened these accounts, but they investigated and determined that one of the accounts was opened fraudulently and the other they began to charge me for middle of the court. I have asked them to validate if the address and all the information that appears in this account is the same as the account that they deleted me because none of the 2 accounts belong to me and they tell me that they do not know how it was valid because that is a department apart and that they do not outline. 

This was the letter I sent to the company today. 


I am writing this letter because I received a letter from the court where I was summoned for an account that appears under my name with you, this account and another account that appears in my credit report was disputed more than a month ago because I was a victim of theft of identity and this and other accounts were opened under my name. One of the accounts I had with you that ends XXXX was investigated and deleted because it did not belong to me either. I need this account to be investigated again and stop any type of collection through the courts because I have evidence which was sent to you a month ago certifying that I was a victim of identity theft and these accounts do not belong to me. I need you to validate all the information you have about this account, such as my driver 's licenses, social security and any document from which these cards were received when they were opened. I will be sending the police report and all the documents that I send so that this investigation can be opened and investigated in a fair manner. How is it possible that one of the accounts you delete because it does not belong to me and the other not because you believe it belongs to me. I will be filing a complaint with the Consumer Financial Bureau to ask them to investigate you because you are not complying with federal fair credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: PA
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've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Rickart Collection Systems, Inc.
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:
ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX RICKART COLL SYSTEMS  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed information repeatedly regarding my XXXX XXXX XXXX XXXX auto loan. They have indicated that they " researched '' the account and found the reporting to be accurate. This can not be possible as I was forced to wait in their XXXX XXXX XXXX location most of the day while the loan was audited and found to be current. The issue occurred when they added insurance to my account without informing me. I walked into the branch every month and made my payment. Not once did any associate tell me I was behind on my account until I received a one month late notice. I was confused but brought it current. They continued to carry the insurance fee over until my payment was one month late. When I questioned them, they would not give me information. When I finally got to the information I needed, I corrected the insurance issue. They chose to apply the insurance credit to principle and refused to bring my loan current. I went to the primary branch and remained in the lobby until a representative finally put the loan in for audit. The audit revealed that the loan was not behind. That representative told me he would not correct the reporting. I have been disputing it since then. If the audit revealed the loan to be current. The reporting should have been corrected also. There is no logic to support that an incorrect loan that required auditing and correction was reported accurately as it was.

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