BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 a letter was sent to Equifax requesting the removal of fraudulent activity. Per 605B of the FCRA, I submitted my personal ID, police report, identity theft form, and a certified signed affidavit and sent these documents via USPS certified mail. These documents were received by Equifax on XX/XX/2020. 

I received no response from Equifax dated 5 days later of them saying that they would look into this matter. 

Per the FCRA, they had 4 days to block the account in question. I did not receive any response from Equifax until XX/XX/2020 that stated that they WILL NOT block these accounts. But instead do an investigation. 

This is a violation of my rights, and I intend to seek legal action IF this account is not blocked per the law. 

I am requesting the CFPB investigate into this matter as Equifax has had many data leaks and while as the consumer, I am seeking to have this fraudulent account removed per the law, this is my legal right. However Equifax has chosen NOT to follow the law. 

Equifax, willfully breaks the law after documented proof and I intend to seek damages as their actions are damaging my reputation. 

Equifax has said they will investigate, for 30 days on a letter that was datedXX/XX/2020. While per the FCRA, this letter should have been sent to me within 5 days after receiving my dispute on XX/XX/2020. 

I intend to hold Equifax, and all parties involved liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: WELLS FARGO & COMPANY
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:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM WELLS FARGO.

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 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under midland funding in XXXX. Midland funding online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet XXXX XXXX XXXX says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to XXXX XXXX XXXX shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX   Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/2019 2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have inquiries that I have no idea where they came from. My credit report shows multiple credit pulls for my score, but I shouldn't have anything pulled. I haven't applied for anything new. 

In accordance with the fair credit Reporting act my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I attempted to contact all three credit Bureaus to initiate disputes on both credit inquiries and debts reflecting on the credit report. Both XXXX and Experian have been to most challenging and not willing to assist. XXXX  and Experian have stated they started a dispute but in fact did not. XXXX  has been unwilling to assist with these disputes. 

Accounts which are in question are : 1. Accounts with all accounts with XXXX XXXX. 
2. All accounts with XXXX 3. Accounts with XXXX 4. Account with XXXX. 

Inquiries which are reporting and were not initiated or authorized with me are : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX   XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX  XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX  XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX 11.XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX 13 . XXXX XXXX XX/XX/XXXX 14.XXXX XXXX XXXX XX/XX/XXXX 15XXXX XXXX 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 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was debited approximately {$1200.00} from XXXX from Capital One Bank. I called and filed a complaint, but it was denied. So I spoke to a supervisor, who was very rude and accused me of filing a false fraudulent claim because it was completed by the chip, according to our records. Now I am out a full paycheck in a time of crisis and I dont have any money to pay my bills. Please help me get my money back from Capital One Bank and MasterCard!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
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: Information belongs to someone else

Complaint:
On or before XX/XX/2021, On or before XX/XX/2021, On or before XX/XX/2021 I have contacted the credit bureaus in regards to accounts that do not belong to me. I am a victim of id theft, I am a victim of credit fraud, I have mailed in sever id theft reports to the credit bureaus and to no avail. The following accounts are identity theft accounts and shall be removed at once. 

1. XXXX XXXX 2. Account name unknown 3. XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX student loans 7. Any and all Inquiries within the last 2 years 8. Any and all addresses within the last 2 years 9. Any and all names that do not match my legal name 10. Any and all telephone number. 11. Online information systems I hereby grant and give permission to the consumer finance protection to act and submit this information on my behalf to the credit bureaus. Any and all collection accounts listed in the report all collection accounts in the report. I hereby demand they be deleted and removed at once.

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 2020-01-23
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity.

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 2021-03-01
Company: AMERICAN EXPRESS COMPANY
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:
I have a wrong account " American Express '' on my XXXX  credit report which declared as " Serious delinquency '', " Potentially Negative ''. I did submitted the dispute to the credit report company XXXX  twice but they responded that the account belongs to me. The account was opened on XX/XX/2017 in Texas. In the dispute I have provided all my information to the credit report company XXXX  and verified the addresses as well. But still the result came that the account belongs to me. I used to receive calls from a third party collection department named " XXXX '' for settlement 100/100 calls I have notified them that " I'm not the right guy that you're calling ''. In the calls they took my date of birth and verified that I'm not the guy that account belongs to. but still the account resides on my XXXX credit report. Please advise the next steps to eliminate this account from my credit report which is really hurting my score and other. Thank you your help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: OH
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 disputed the information from my report because it dose n't belong to me over 3 times and still haven't gotten a response from the company. I want this account removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Better Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage refinance with Better Mortgage on XX/XX/XXXX and received a loan estimate with a lender credit of {$3100.00}. I paid {$550.00} for an appraisal on XX/XX/XXXX in order to receive a rate lock. At the time of the application on XX/XX/XXXX, I provided an estimate of the home 's market value that had a loan to value ratio of 81 %, which meant PMI was part of the loan estimate. The home appraised a higher value bringing the loan to value ratio below 80 % and the PMI was rescinded from the loan estimate on XX/XX/XXXX. However, the lender 's credit decreased to {$450.00} on the revised loan estate from XX/XX/XXXX with no explanation from Better mortgage. The estimated closing costs increased over {$3000.00} despite no significant changes in circumstances occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Co-Operative Adjustment Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented an apartment from XXXX XXXX XXXX an XXXX XXXX XXXX property. We discussed a one year lease from XX/XX/XXXX - XX/XX/XXXX and was not informed about the company policy for leases going to month end when they are signed mid-month. I gave notice when my lease was ending that I was moving out and was informed that I was obligated to stay till month end. I contested the issue with the property manager that such a  policy was not made known to me at signing. She referred the issue to her manager ( XXXX XXXX ) whom I emailed twice seeking to resolve the matter. She responded to my initial email and failed to respond subsequent emails I sent asking to the issue be referred to a senior manager. She never responded to my emails and the alleged amount I owed was sold to a collection agency, XXXX XXXX XXXX. The collection called my wife with whom I was separated from then to convince to confirm my personal information. She referred the agency back to me and I asked not to be called again about the issue. The agency disregarded this and continued to harass me over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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/2019 I called Kohls after I received a call from a company called XXXX claiming to represent Kohls. I spoke to the Kohls representative inquiring about account status and was advised that I was 60 days delinquent as of that dayXX/XX/19. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the Kohls representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received Kohls would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for Kohls and this will not report as past due. On XX/XX/2019 I received updates from all bureaus that Kohls reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and Kohls honors what their representative advised me on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: NC
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:
XXXX, equifax and XXXX  reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I did not consent to, authorize nor benefit from the following Accounts or Inquiries. XXXX and remove them. 
( 1. ) XXXX XXXX # XXXX ( 2. ) XXXX XXXX XXXX. ( 3. ) XXXX # XXXX. ( 4. ) XXXX XXXX. ( 5. ) XXXX # XXXX. ( 6. ) XXXX XXXX # XXXX. ( 7. ) XXXX XXXX XX/XX/2022 ( 8. ) XXXX XXXX XX/XX/2022 ( 9. ) XXXX XXXX XX/XX/2022 ( 10. ) XXXX XXXX XX/XX/2022. 
Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

TRANSUNION IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

TRANSUNION IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIGHT TO PRIVACY AS THE CONSUMER.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

TRANSUNION HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
TRANSUNION WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO 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 non-monetary relief
Consumer complaint received 2020-05-08
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Charges made to XXXX XXXX XXXX in XXXX I live in XXXX got an email to let me know fraudulent charges. Submitted online and they are still charging me {$45.00} for something that was not 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 2020-05-08
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:
This is not my account. Please remove it.

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 2020-05-08
Company: I.C. System, 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:
XXXX Credit Bureau reported from a debt buyer ( IC System ) that I opened an account in XXXX of XXXX. I did not. The remarks from IC System said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the XXXX report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not 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