BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XX/XX/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 2021-06-09
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Letter makes to credit bureaus and no response in 30+ days ; included were notarized copies of my social security card and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2020-11-30
Company: JPMORGAN CHASE & CO.
State: NV
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:
Credit card stolen. Disputed unauthorized charges with credit card company. Credit card company requesting for medical records as proof. I informed credit card company that I did not feel comfortable providing personal confidential medical information. Credit card company then re-billed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Midwest Recovery Systems
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MIDWEST RECOVERY SYSTEMS added a collection to my credit report. The original creditor is listed as NET CASH PROCESSING. NET CASH PROCESSING was paid in full over 71/2 years ago when the loan originated. I had not contract and have conducted no business with MIDWEST RECOVERY SYSTEMS. Aside from that this account was paid. 

Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. 

Attached is a screenshot of email between NET CASH and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Is reporting a debt to my credit report. I have no such debt. I never had an account with this company. I have no records of and signed contract or given this company any of my information. This account is fraudulent any or miss reporting of information

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-12-15
Company: POLARIS HOME FUNDING CORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was recommended to XXXX XXXX Funding for a XXXX XXXX FHA loan. When I visited another lender to look at refinancing options they noticed an excessive loan origination fee. The new lender showed me near the bottom of the closing cost page that the original lender XXXX XXXX XXXX had charged me so much that they had to credit me {$2300.00} because they were already over the legal limit. I questioned my loan originator about the amount and was told this is typical for this type of loan. I was told from multiple other companies this was an example of predatory lending and it gives the industry a very poor reputation. XXXX XXXX was my loan originator with XXXX XXXX funding NMLS # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 2019-05-06
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I sent a letter to Equifax on XX/XX/2019, asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but I have had not had a response from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Numerous months ago, I physically went into a local branch of Wells Fargo Bank and closed my checking account and cut up my debit and credit cards in the presence of an employee. I also requested that all of my information be purged from their system. 

Now, many months later, I have received an email informing me of " great offers available '' with my previous " XXXX '' credit card. I called the number mentioned within the email message to inquire as to why I am still being contacted via email ; however, I was told they could not help me because I could not give them my " current password ''. I explained I don't have a " current password '' and do not remember my past password. After numerous conversations with numerous employees and repeating my name, birth date, etc, time and time again, I was " escalated '' up the corporate ladder and once again after having to give my name, address, phone number, birth date, SS number, and " name of first born '', I was told " I can't help you without your password ''. I was instructed I must go to a local branch and submit a photo ID in order to request my personal information be purged from their records. Ironically, I have never gone into " a local branch '' to open up any accounts or to obtain credit cards from them ; therefore, why should I go into one now just to request all of my information be purged from their system? 

I have been a past victim of identity theft, as well as being one-of-the-thousands of Wells Fargo customers whose excellent credit information was utilized to enhance their business reputation. I do not appreciate nor want Wells Fargo to be in possession of any of my personal information for fear of what happened previously and has the potential of happening again. 

I do not wish to receive any solicitation in any form from Wells Fargo ever again nor do I want them to retain any of my information in their data base. 

What must I do to end this continuous invasion of my privacy?

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 2022-10-14
Company: EQUIFAX, INC.
State: NV
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 sent Identity Theft reports to Equifax, I have called them several times and Equifax still showing those unauthorized/fraudulent inquiries in my credit file. I have filed disputes using myequifax.com and the next day that I file the dispute I get a response that those inquiries will stay in my file because they are factual records on file. I am attaching my last dispute letter to this complaint together with the Identity Theft Reports. 
Companies like XXXX XXXX and XXXXXXXX XXXX  has sent letters and requests to Equifax to remove the unauthorized/fraudulent inquiries but Equifax has not attended those request keeping those questioned inquiries in my file causing several damages to my credit and financial reputation. 

I am serving my last dispute attempt attached to this complaint dates XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.

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 2017-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
XXXX XXXX, operation analyst on claim customer service team, phone number XXXX, accepted a valid second opinion letter, on business letterhead and signed by a second qualified merchant on XX/XX/XXXX and charge-backed the disputed {$3200.00} and {$5100.00} charges on XX/XX/XXXX 
She admittedly concealed from me a merchant 's response to credit card dispute on account ending with " XXXX '' and re-billed, for the third time, the disputed charges on XX/XX/XXXX. 
It undermined my ability to reverse the disputed transactions under consumer protection law through Visa arbitration process.

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 2019-05-06
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 WAS VICTIM OF IDENTITY THEFT, SOMEBODY USED MY PERSONAL INFORMATION TO TAKE MEDICAL HELP, I DON'T RECOGNIZE THIS ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
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: Account status incorrect

Complaint:
First and foremost I want to say that Capital One is a great company and it has been a pleasure doing business with them for many years, however they have been reporting inaccurate derogatory information to my credit file which is damaging to my credit score and reputation. I have two credit cards with Capital One that show inaccurate late payments. I don't recall ever paying these accounts after the due date. I have asked Capital One to correct this information but they state that they confirmed that the late payments are correct. They have not supplied me with any documents, such as signed and dated cashed checks or any other physical documentation containing my signature showing when payment was due, when payment was made and when payment posted. Capital One is also out of compliance with the Federal Fair Credit Reporting Act specifically in that they failed in their duty to notify me regarding their reporting negative information with regards to FCRA 623 ( a ) ( 7 ) ( A ) ( i ) and also failing to notify me within the given time frame with regards to FCRA 623 ( a ) ( 7 ) ( B ) ( i ). Capital One has also not conducted a " reasonable investigation '' that would remove any doubt of the accuracy of this information they are reporting to the credit bureaus as outlined in the FCRA 623 ( a ) ( 1 ) ( A ). A copy of correspondence from Capital One to me is attached to this complaint. At this time, I would like Capital One to update these two accounts to a Paid/Never Late status on my credit reports as they can not verify that this information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company, Medical Revenue Service, Medical Data Systems,  sent me a letter saying that they were no longer servicing / collecting on this debt. 

However, this letter that was sent on XX/XX/2019. 

They are still reporting on all three credit bureaus, and causing negative damage to my credit score. And it is severely affecting my credit worthiness. 

( Letter is attached ) I have sent them a letter requesting for this to be removed from my credit report, but it still remains almost 45 days later. 

Please remove from credit ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted dispute letters to all 3 bureaus regarding inaccuracies of dates of late payment and inaccurate accounts on my credit report. One of the accounts were updated but the other 4 were disregarded. This is a violation of my rights.

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 2019-11-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a XXXX fridge from Best Buy on my CitiBank Visa Credit Card with a 18 months no interest promotion that was set to expire on XX/XX/19. I paid this off XX/XX/19 ; the balance remaining was {$460.00} and the accrued interest was {$510.00}. Same day I paid the promotional balance off, CitiBank reduced my credit limit. 

Problem : CitiBank reduced my credit limit by {$450.00} literally the SAME DAY I paid off the promotional balance. My credit card statement showing 'statement end date of XX/XX/19 ' shows the reduced credit limit of {$2500.00} ; was {$3000.00}. I wasn't notified of this reduction until the following day. This is obvious retaliation and discrimination. I've always made extra payments with them. CitiBank wasn't able to capitalize on me with a promotion ; when I followed through and completed the payments on time, Best Buy Visa/CitiBank directly retaliated causing damage to my credit. 

Then a few days later I started receiving notifications from credit bureaus advising me that it was recently reported a credit card reduced its limit and this has negatively impacted me further. 

Exact Timeline : I called CitiBank on XX/XX/19 at XXXX CST and was on the phone for a little over 22 minutes and they ensured the {$500.00} additional payment I had made on XX/XX/19 was going to be applied to pay off the promotional balance. 

On XX/XX/19 I received an email notification from Best Buy Visa Card ( provided by CitiBank ) to review an important letter. 

I reviewed the letter and it states my credit limit has been changed to {$2500.00} ; {$450.00} less than it was before. 

I've asked CitiBank to fix their error, and they are choosing not to respond in an appropriate and respectful manner.

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