BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: FL
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:
A request was sent to credit bureaus to investigate and provide WRITTEN proof of two Fraudulant information on my credit report, Employment at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX were bothe fraud on my account. 

No written proof or document was provided within the 30 days as requested to support these errors, the address was deleted but fraudulent account attatched were not deleted. 

By law use 1681B which support permissible purpose, no consent and identity theft was all violated by. 
XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX, These accounts are linked to the fraudulant address and must also be removed, by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Personal information incorrect

Complaint:
I have previously contacted Equifax regarding the inaccurate, offending information included in the personal information section of my credit report. This information is damaging to my credit profile and negatively impacts my ability to verify my identity. Per my FCRA rights, I am asking that Equifax adhere to the law and remove this information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Information belongs to someone else

Complaint:
Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. XXXX, however, said they could not change the information, even after verifying my identity.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX contract XXXX debt were forgiven, the CRA is still reporting this false information on my report which is causing great harm to my credit worthiness. The company that forgave the debt in a written statement, stated this information should not be on furnished on my report. 

On XX/XX/XXXX I received this response from the company. We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 

XXXX CFPB Complaint : Trans Union you have 5 calendar days to have this information removed. I will not allow sixty days of violation. Trans Union has been in violation for months and not the time is of the essence. Sixty days that's two thirty day credit reporting cycles of false information. 

I am ready to appear before your honor!

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 2019-07-27
Company: Experian Information Solutions Inc.
State: WA
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:
A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested XXXX, XXXX and Experian to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2023-09-26
Company: HW Holding, Inc
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Hunter Warfield a Collection firm was given personal confidential contact information by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Emergency Contact person was threatened and harrassed.I was never contact by Hunter Warfield regarding the issue.I have phone records to verify that I was never contacted.My Emergency Contact person has records to verify the calls from Hunter Warfield .

Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in reference to my credit report, which contains several items that are incorrect or questionable. As per the Fair Credit Reporting Act ( FCRA ), I request that you take appropriate action to investigate and correct these errors immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Please remove it from my report immediately. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I have carefully reviewed my credit report and can confirm that the above-listed items are not accurate. As per the FCRA, I have the right to request that you remove any information that is inaccurate or incomplete. 

Please note that I would like to receive a written confirmation once these items have been removed or corrected from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/XXXX {$370.00} XXXX XXXX XXXX XXXX claims there is an unpaid lease charges reported by Toyota Financial Services. XXXX XXXX claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX all obligations have been fulfilled and their record shows a XXXX balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from XXXX XXXX XXXX XXXX, and confirmed my lease payment has been fulfilled and account was closed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
An item was purchased online for XXXX at XXXX XXXX on XXXX XXXX, 2019 That item purchased was a gift and it never arrived to my aunt in Arkansas. 
XXXX  XXXX was the carrier and the tracking information said that the item arrived on XXXX XXXX, 2019. But the item was not there, nor delivered to her home. 
I called XXXX XXXX and spoked to XXXX on XXXX XXXX and they stated they would file a shipping claim with XXXX XXXX and reship the package immediately. 
I phoned again on XX/XX/XXXX and nothing had been resolved and they never shipped the package as stated. I requested a refund and spoke to 2 different customer service agents on XXXX XXXX, and they said they had no authority to issue a refund so I asked for a supervisor and both times I was put on hold for 30 minutes and no one ever came to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
On or about XX/XX/XXXX I purchased what was advertised as a oxygen concentrator. Once received I notified the merchant I did not want it because of it being substandard. It is not a medical device the manufacture stated it was past the 30 days and I could not return the device. I in turn notified Capital One and XXXX and disputed the charge of {$360.00} the whole dispute has so far taken over 5 months to get it resolved. XXXX said they were no longer involved it is now between the merchant and Capital One. They took the charge off when I disputed the money and put it back on my account around the first week in XXXX. I called and told them I still dispute the charge so for the 3rd time I had to submit documentation that the merchant would not work with me to take the merchandise back. I have also filed a complaint with the Federal Trade Commission on XXXX and XXXX. Recieved a some what nasty email from XXXX about the FTC complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22, my husband contacted XXXX XXXX  via phone to pay off my account using his XXXX XXXX  XXXX XXXX in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by XXXX. 
XXXX XXXX. XXXX XXXX  claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided XXXX XXXX  with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank ( XXXX XXXX  ) is advising they can no longer help us, due to the time it took XXXX  to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at XXXX  balance should be XXXX  but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to XXXX  XXXX because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: WA
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:
A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested Equifax, XXXX and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We've requested reward program details from the Citi Costco Anywhere Visa card multiple times. In response to a previous CFPB complaint, Citi responded with a form letter referring us to their website. In a recent chat session with Citi 's customer support, we requested a specific link to find details about the rewards program, including any exclusions. The agent stated, " there is no such link from the bank 's side okay. '' When further questioned aobut where to get program details, the agent continued to insist that Citi does not have the requested information and directed us to contact Costco. We recognize it is a partner program, but Citi is the card issuer and should provide program terms and conditions, including any reward program exclusions.

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 2019-07-27
Company: Account Management Resources
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2016 a debt collection for a XXXX dollar medical bill showed up on my credit. I googled the debt collection company and called them and asked them to please send me proof of the debt. I had never received a bill from the hospital for XXXX and all my other hospital bills were paid. After I got out of the hospital in 2016 and after paying all my bills I ended up moving states. I think that what happened was the bill was sent to my old address and I never ended up seeing it and no one called me. When I called the collection agency they were very rude and said I owed them the money and how would i like to pay. I asked them to please send me proof to my new address which i gave them. Instead they just kept calling me and sending letters that I owed them. They never verified the debt. I finally called them back again and asked if i paid them the XXXX would they remove the negative collection from my credit and they said no. I think this is an unjust collection report on my credit since I moved and did not ever receive the bill in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
**FOR THE RECORD **I have never filed a CFPB complaint about my USAA Checking account. My previous complaints with USAA involved savings and fraudulent investment accounts. If my complaint isn't processed I will have to elevate this matter to the Dept of Justice. XXXX XX/XX/2023 USAA Locked my checking/debit card account due to suspected fraud against my account. At the same time USAA continues to conduct normal business involving my checking account by allowing automatic withdrawals to continue and assessing late fee for unpaid bills normally paid by the same checking account. I'm currently XXXX in the XXXX and I travelled to the US Embassy to place a phone call to USAA. When I reached the service representative I informed her that I was calling from the embassy and we proceeded to conduct ID verification all the way to providing my SSN the she ended the call. Every attempt to unlock the account through the USAA portal has been blocked or deactivated. There are specific Q & A 's built into my profile for this exact purpose that I can not access. I made reference to this problem two weeks in a follow-up to a congressional inquiry. This is the second occurrence in as many months that USAA has locked my account at their own discretion. I am extremely concerned that there is something more sinister involving USAA. There is absolutely no justification for USAA to lock my account for essentially the entire month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation