BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party or agency. Please see attached documents and ID as it contains my full complaint request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Tuesday, XXXX XXXX, XXXX between the hours of XXXX pm and XXXX pm ( XXXX XXXX I attempted to access my account at the following XXXX XXXX XXXX portal : XXXX : //verified.capitalone.com/sic-ui/ # /esignin? Product=Card. 

I entered my login information correctly and was taken to a page asking me to verify my Phone Numbers, Email, Employment Status and Income Information ( All of which are available from the credit agencies ). At this time, I did not wish to disclose any further information. Usually there is a button to pass by these surveys if you do n't want to answer the questions. However, on this occasion there was and still is not an option. In fact, the past few months I have been asked repeatedly by this company to disclose this information and I feel it is harassment. 

Because I can not get past this page without answering these questions, I am unable to log into my account. This has XXXX my ability to double check certain charges showing on my monthly statement that could be fraudulent. I was attempting to access my account to check for more information, so that I could report to them, if it was needed. Now I am left with no way of verifying the information. I am also not able to make my payment or file a complaint via the website. 

After not being able to access my account, I called XXXX at XXXX pm ( XXXX XXXX. The agent who answered my call, said that she could not help me gain access to my account ; leaving me only the option of answering the survey form. 

I have been an outstanding customer for this company. I pay my entire balance every month on-time and have done so for many years. Apparently, Capital One is not satisfied with my only using a fraction of my credit limit for any one month, making on-time payments and having an excellent credit score. Maybe this an attempt to get me to miss a payment, so they can earn interest and penalty fees. I do n't know, but it sure seems fishy. 

**This and many other reasons are why I have been writing my Congressman and The White House to ask for more restrictions on credit lenders. I urge everyone who reads this to do the  same and to spread the word among family members & friends. It is up to us to hold our government and the companies doing business in the U.S. accountable. I urge you to take initiative and get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: MD
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 are unauthorized inquiries on my Equifax credit report. Situation was brought to credit bureaus attention with no resolve. My consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Aurora Financial, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amazing how XXXX these people are. Started off with XXXX XXXX as loan processor, supplied every item of paperwork they asked for, immediately, paid for appraisal ( which came in over sales price ). As soon as I pressed them for a clear to close, they wrote that XXXX was away and another person, XXXX, was taking over. More paperwork requested and supplied by me, closing is next week and they now say they need paperwork from the IRS, whom they say is " backed up '', so don't know if they can do " clear to close ''. 
Our credit is stellar, all paperwork asked for supplied, including filed tax returns. 
I should lose sleep over these people because they are incompetent 's, lazy, lack the funds to close or a combination of all 3??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a dispute earlier last month and still see my report reflecting negative information on my personal profile. There are wrong addresses listed on TransUnion and XXXX. I would like these addresses removed immediately since they are incorrect. These are the addresses being reported on both " XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' this one on TransUnion " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX '' and this one on XXXX " XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 '' I would like this information corrected right away.

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 2021-04-22
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Automated Collection Services claims that I owe {$4100.00} to XXXX XXXX. I have informed them several times that I have never had an account with XXXX XXXX. I've asked them to show me an agreement in which XXXX XXXX authorizes them to collect on this alleged debt and I've also asked them the show an agreement with XXXX XXXX that bears my signature. They've not been able to provide me with either. They can't because I've never had an account with XXXX XXXX. This company is beyond horrible. They bought this debt for XXXX on the dollar and want to make a quick buck by any means necessary even if that means not having proof that you owe a debt. Unethical companies like this should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX XXXX, MD XXXX ( XXXX ) XXXX this people made a hard inquiry on my credit and I do n't know them 0n XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX on XX/XX/XXXX did the same and I do n't know them either.I just knew this through 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 2017-10-28
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:
There are XXXX account that are listed on my credit reports that are mines. I 've tried to have them remove from my credit repot several times no such luck. I contacted each company fraud department they stated that the send over the fraud information to each credit bureau. This has been going for a while. The company has stated the account are close for nonpayment to the XXXX accounts. 


Verily respectfully

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 2021-05-12
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called in on or about the last week of XX/XX/2021 to dispute some fraudulent information on my credit report. I was told to send in a police report, copies of SS and as well as ID which I faxed in all documentation and everything that was asked. I received a letter dated XX/XX/XXXX that they need the same information that I had just faxed in and told me my police report wasnt good enough. I called Equifax on XX/XX/XXXX and spoke to a very rude representative who was supposed to connect me with a supervisor but hung up on me. This is not the first time this has happened to me with this company and it seems to be a ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Cornerstone 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: Was not notified of investigation status or results

Complaint:
I have disputed a dental bill on my XXXX credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XX/XX/XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XX/XX/XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a XXXX he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XX/XX/XXXX The estimated time for dispute under XXXX web sight for investigation to be complete was XX/XX/XXXX. Checking the status of that dispute it was never completed by XXXX. As of today XX/XX/XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XX/XX/XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XX/XX/XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XX/XX/XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XX/XX/XXXX and would like proof of current dispute that was denied was investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal is not allowing me to withdraw my refund given to me. I was refunded for an item and they have frozen my account and claimed that the transaction is at risk for a charge back or dispute. That is a lie, You CAN NOT dispute a refund, XXXX XXXX XXXX AND XXXX AND XXXX do not allow chargebacks or disputes for refunds. They only allow them for purchases or debits. That is simply my money being given back to me and is not even a transaction associated with a credit card or debit card or bank account. 

Reference ID : XXXX Email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX The amount is {$2500.00} on hold and needs to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, am a victim of IDENTITY THEFT. Please remove charges on XXXX XXXX acc XXXX and XXXX new checking account in the amount of XXXX. Remove unauthorized hard inquiries from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and all XXXX XXXX of XXXX, XXXX, and XXXX LOANS . Remove email XXXX, and XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as previous addresses. Remove XXXX XXXX XXXX previous employment and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as previous phone numbers. Immediately remove and permanently delete all above fraudulent and/or inaccurate data listed above from my report and respond in writing confirming deletions.

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 2021-05-12
Company: EQUIFAX, INC.
State: CO
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:
This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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:
On XX/XX/2021 a letter was mailed to Equifax ( regular mail to XXXX XXXX XXXX XXXX, GA XXXX ) requesting that they disclose the method they used to retrieve a Bankruptcy record that they have listed as a public record on my credit report. I advised in the letter that at this time I was simply seeking detail on their verification method. Equifax did not respond. Following the lack of response I went directly to XXXX XXXX : and the Bankruptcy Court noted on my credit report and in response both entities responded they could not verify the record themselves- and XXXX XXXX specifically as a result of not being able to verify the record - deleted the Bankruptcy record from their reporting. Following the response of both entities I submitted a formal dispute to Equifax on XX/XX/2021 ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ) which was delivered on XX/XX/2021. The dispute documentation included the notice from XXXX XXXX and the Bankruptcy court. Along with all pertinent letters. Equifax responded indicating the record would remain as the information was accurate. Equifax did not furnish any documentation to support their response or decision to leave the record unchanged - despite the evidence I sent to them showing the item could not be verified in accordance with FCRA requirements. On XX/XX/2021 I sent a follow-up notice to Equifax regarding their dispute response ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ). At this point I have given Equifax ample time to properly resolve my dispute and to review their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Williams & Fudge, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Williams & Fudge Inc. Has performed 4 ( Four ) Hard Inquires on my credit report, according to XXXX . All inquiries were not authorized for as I'm not currently conducting the business of any kind with this agency. 

Their unauthorized inquired continue to harm my creditworthiness as I'm currently rebuilding my credit and these tactics will continue to prevent me from successfully gaining a healthy credit status on my record. 

Inquiry # 1 - XX/XX/2019 Inquiry # 2 - XX/XX/2019 Inquiry # 3 - XX/XX/2019 Inquiry # 4 - XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through  law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that Transunion has failed to address : 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 - 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 2022-03-30
Company: U.S. BANCORP
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In late XXXX, I paid off our US Bank credit card ending in XXXX. The account was at a {$0.00} balance. In the summer of XXXX, as I was reviewing my credit report, I saw the delinquency being reported for this card and I called immediately to find out what was going on. I learned that there had been a charge for a XXXX account, originating in the XXXX ( if I remember the country correctly ), for {$15.00}. Apparently, XXXX had flagged the account as being fraudulent, as there were no subsequent charges for this recurring streaming service, but despite their noting this to be a fraudulent charge, US Bank did not reverse it and then allowed it to incur interest, late fees, etc. In working with US Bank, they immediately but provisionally reversed the XXXX charge on XX/XX/XXXX and after investigating, made the reversal of the charge permanent on XX/XX/XXXX. On XX/XX/XXXX, they reversed all late interest and late fees, as they recognized I had a XXXX balance on the account prior to the fraudulent XXXX charge, and because I had excellent account history with them. Those reversals were permanent as of XX/XX/XXXX. As of the XX/XX/XXXX statement, the account had a XXXX balance. In conjunction with these reversals, US Bank agreed to update the credit reports of all 3 credit bureaus. However, this has not happened and US Bank is still reporting that I was more than 90 days passed due in XX/XX/XXXX and then again in XX/XX/XXXX - months after they corrected the account.

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 2022-01-05
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation