BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I called Equifax and let them know that my credit report is showing the wrong person 's information on it and needed help fixing my credit report information. The gentlemen on the line told me that I was wrong and everything matched on my credit report. Not only am I looking at it in the computer but my refinancing company is questioning and requesting proof on accounts that are not mine, I called one of the credit cards on file and they verified that it was the wrong XXXX. My date of birth, addresses, social security number, jobs, loans everything is mixed with someone who has the same first name but different everything else. He refused to help me so I had to file 9 different requests there were too many for me to file all on line. I sent a copy of my ID, SSN to show them they have the wrong information. They sent me a letter with the other person 's information telling me the problem is fixed. Yet, all the information remains mixed up. I need assistance in fixing my credit report it's messing up my credit and delaying my refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-05-17
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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE A CAPITAL ONE CREDIT CARD, STATEMENT CLOSING DATE XXXX EACH MONTH. I TRYING TO BUY A CAR XXXX CAPITAL ONE AUTO FINANCE AND NEED THE CREDIT REPORTS TO BE UPDATED TODAY, FOR I JUST PAID OFF AND XXXX BALANCE. THIS WILL ENSURE HIGHER SCORING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Armada Corp.
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:
I, XXXX XXXX, have reviewed my credit report multiple times. I have called/emailed the collections agency, Armada, about medical debt that should not exist on my report, as I was insured through the state of Washington, and was previously XXXX inXX/XX/XXXX. However, I did not realize that debts from years ago could be disputed. I had n't checked my credit until after I moved to Pennsylvania. I received no notices from Armada, or from the original creditor ( XXXX XXXX Clinic ) about my medical debt, which is roughly {$1800.00} or more, reported last on XX/XX/XXXX.
I tried calling Armada inXX/XX/XXXX, but the number was no longer in use. It says on their website that they still use the same number. I tried to contact them via online form inXX/XX/XXXXproviding my name, my debts, my email, and my phone number. I have not heard back. I tried to contact them again on XX/XX/XXXX, after being turned down for a loan. I still have not heard back.
Those charges on my credit report should not be on there, but I was unable to dispute it due to the identity verification process. I chose answers from " none of the above, '' because I did n't recognize any of the information - a red flag that identity theft may have occurred, or is still occurring. Regardless, if I can not reach the representatives at the XXXX XXXX XXXX to resolve the issue, then I should not be penalized, nor should my credit score suffer, as well. I have tried contacting them, but I receive no attempt to communicate on their behalf.
Please reach me at XXXX and leave a detailed message on how I can return your call. I do not answer numbers I do not recognize, especially XXXX numbers. If you leave a message, I will call back, but if you do n't, there 's a good chance that you wo n't be able to reach me. Thank you for your time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  contacted me at work continuously when they were asked not to, contacted all my family to get information from them called several times a day and was disrespectful, rude and threatening. They were not willing to work with me or make arrangements said I would just need to contact an attorney- now my wages are being garnished I need help to try to do a loan rehabilitation but I do not want to talk to this collection agency ever again

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 2020-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
See attatched VISA USAA statement ending XXXX THIS IS NOT MY ACCOUNT. A Visa card was sent to me ending XXXX 2018 I DID NOT AUTHORIZE. I DID NOT OPEN THIS ACCOUNT. XX/XX/2018 UNAUTHORIZED TRANSACTIONS OCCURRED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I was going through my bills and came across a old XXXX XXXX  statement. I called the number on the bill. I got an automated voice and asked me to certify my identity and it had me put in my full ssn. Then it directed me to a person and it didn't sound legitimate. I XXXX the number I called while on the phone and it said that it was a Scam. Now I'm worried I'm at risk for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX 2017, I made a purchase at Sears, located at XXXX XXXX XXXX in XXXX, Oregon. At the check out, the clerk mentioned that I could save {$20.00} if I signed up for a Sears card. I specifically asked the clerk whether or not the card was a credit card, or simply a store discount card. The clerk explicitly said, " this is NOT a credit card, it just gets you discounts on Sears products. '' I made it very clear that I was NOT interested if it was a credit card, and he again assured me that it was not.
After providing my information for the card, and going through the checkout process, I asked him how much I owed him. He said, the balance had been put on my card. I then forced him to remove the charge to the card and I paid with cash. While I paid in cash, it must be noted that the clerk made no indication that he was initially putting the charge on the card. In this way, he made a charge on the card without my consent. This is clear violation of the Electronic Funds Transfer Act. Please also note, that after the charge had been made to the card, the clerk said he could only reverse the charge if payment was made in the form of cash or check. Had I not had the cash or check, I would have been stuck with this unauthorized charge on a credit card I never knowingly signed up for.
Days after these events, I received in the mail, a Sears MasterCard, or in other words a credit card.
I contacted Sears via email requesting that my " Sears credit card '' be terminated. I have never received a response from Sears.
Please note the current XXXX XXXX XXXX lawsuit involving similar misleading and deceiving credit card marketing tactics.

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 2021-05-17
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: Their investigation did not fix an error on your report

Complaint:
MY PERSONAL INFORMATION WAS EXPOSED IN EQUIFAX BREACH. I SENT MULTIPLE LETTERS TO EQUIFAX IN REGRADS TO THE FOLLOWING ACCOUNTS AND EQUIFAX HAS YET TO REMOVE THESE ACCOUNTS. THIS IS MY LAST ATTEMPT TO RESLOVE THIS MATTER BEFORE I PURSUE LITIGATION AGAINST EQUIFAX. 
1. Deficient of Physically Verified Validation XXXX  Account Number : XXXX Account under litigation. Please remove it from my credit report. 

2. I have no Knowledge of this Account XXXXXXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

3. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

4. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Account under litigation. Please remove it from my credit report. 

5. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

6. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

7. I have no Knowledge of this Account Account Number : XXXX Account under litigation. Please remove it from my credit report. 

8. I have no Knowledge of this Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: WELLS FARGO & COMPANY
State: NY
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:
I Make payment 's from the same bank account XXXX bank ) every month in full on my Wellsfargo Credit Card. Now a days it taking them 5 or 6 days to credit my credit card. On XXXX XXXX I made a payment in full it was taken out of my XXXX checking account. But it XX/XX/2021 and it's still not credited to my visa credit card. Help

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 2017-10-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several disputes to the collection agency and to the bureaus regarding a medical debt that ARS Account Resolution continues to report on my credit reports. I have asked the collection agency to validate the debt by providing me a signed agreement for services, and a detailed billing history of this account as proof that the account belongs to me and was not already paid by my insurance company. To date, ARS has either ignored my requests or only sent the same payment invoice created by their company. ARS continues to report the account without legally validating the debt as required by the Federal Debt Collections Practices Act and the Fair Credit Reporting Act, which requires that information reported by accurate, complete and verifiable.

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 2021-05-17
Company: United PanAm Financial Corp.
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 information incorrect

Complaint:
United auto credit account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to XXXX and XXXX XXXX  is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, 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 f urnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last week Wells Fargo sent me a letter to foreclose on my home. I called multiple times Wells Fargo to try to work out a deal and they refused. Somebody by the name of XXXX from Wells Fargo email me stating they are here to help me. However, I emailed XXXX to see if she 's willing to work out with me. I 've been calling her the entire week and she has not returned any of my calls. She also has not reply back to any of my emails. All I am asking for is payment arrangements over a period of time.
I tried to explain to Wells Fargo, the hardship I have faced over the past couple of months. My daughter and my son has end up in the hospital with mounting medical bills. I had things I had broke down in the house including my water heater which cost me extremely a lot of money to put in. These are just some of the things that cost me to br backup and getting the money they need it at that time. I had number repairs that need to be done on the home, that caused me not to have the funds immediately. Including repairs on my vehicle to get to and from work.
I am trying to hold it together. Over the summer I had a death in the family. Until the day I still have not heard from my father who 's been affected by Hurricane XXXX. My daughter was in school last week and they called for an ambulance to take her to the to the hospital. I 've been having a lot of things go wrong. I 'm just asking to bare with me I will pay what I owe.

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 2022-04-05
Company: EQUIFAX, INC.
State: TX
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 Acct # 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 2022-04-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I disputed the XXXX XXXX XXXX XXXX late payment claim with XXXX  Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act conversion XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602 a states that I have the right to privacy, 15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish my accounts without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I started my dispute with XXXX Transunion and XXXX  because I found several errors : fraudulent inquiries and late payments that are definitely an error on my credit reports .There are also several listings of personal information that does not belong to me such as incorrect birth date, a job I have never worked at and incorrect addresses and names which make me suspect fraud or erros. I sent each of these companies a notarized affidavit with a letter explaining the specific accounts the needed to be investigated, I never received a response until I sent a 2nd letter on XX/XX/2021 which was a total of 3 months, according to the FCRA they have a total of 30 days to respond. I am very upset that my dispute has been ignored for several months and when they finally decided to reply I received a computer generated response and I feel the dispute was not actually investigated. I demand a fair investigation and details that explain the steps of the investigation because I deserve to know why these errors are on my report because its very damaging to my score and credit worthiness. If these companies continue to break the laws and not do a fair investigation my life will be ruined and I will not be able to take care of my family.

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