BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: IL
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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:
XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my Walmart Credit Card since 2016, good standing and great payment history. Walmart was recently bought out by Capital One. Within a month of changing over accounts, capital one completely closed my account with no notification and I still have a balance. I contact them to see what was the problem and they stated because of a previous account I had with them which was only late or return payments when I was laid off work. Although my history has been great these last 3 years they still closed my account. I'm very upset because I couldn't get the job I was going for due to my credit score decreasing because of this card. Capital one is very horrible with customer service, they do not care about their customers and charges extra interest on everything. They're still charging me interest on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was no option to complain or dispute this situation with Transunion. I called and scoured the website, no relief. I take great care of my credit score, I score in the 800 's. I have virtually no credit card debt but whatever I do use on the cards I immediately pay off. I sometimes use my XXXX card for business purchase and pay it right off. Transunion for some reason hits my credit score for -40 or more points. No other agency does this to me. I never complained, it takes a month for the new reporting to come back to normal. This time, on XX/XX/2021 transunion destroyed my credit score knocking it down 69 points. It was a {$3400.00} purchase and they destroyed my credit. There is no reason for that. this is {$3400.00} of {$12000.00} limit ... mind you, I already paid the card to {$0.00}. It's less than 10 % total utilization. I have 100 % payment history everywhere. No other agency does this. Transunion is performing unfair reporting and I deserve to know why. They are also doing this at a time when I'm in the market to buy a house.

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 2020-12-11
Company: EQUIFAX, INC.
State: MA
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:
Equifax is reporting and address XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX that I XXXX XXXX XXXX XXXX has never live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: Experian Information Solutions 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:
I submitted multiple disputes for fraudulent hard inquiries and fraudulent accounts. 

Experian accounts - XXXX {$16000.00} XXXX XXXX XXXX {$7400.00} XXXX hard inquiries - XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I find it unacceptable that there are public records on 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 non-monetary relief
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim kf identity theft. I am formally disputing an account that I have learned has been made, opened under my name and social security number. I did not open or apply for this account and have not authorized anyone else to do so for me. Kindly to delete this account as its harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: IA
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:
XX/XX/XXXX I sent the company a debt validation letter. They instructed the credit reporting agency to have me contact them. When I did the refused to reply. They continued to violate my consumer rights, pursuant to fact, 15 us code 1692b, 15 us code 1692g, 15 us code 1692c, 15 us code 1692d ( 1 ), ( 2 ), ( 3 ), ( 4 ), and others. I contacted them again in XX/XX/XXXX, again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Avante Usa has a collection account that has appeared on my credit report on XX/XX/2021. I have sent priority mail a letter that the company failed to collect the letter I have sent. I want to verify that I owe this debt. I wanted the original contract with myself and the original owner. Also the warranty information. All verified documents that I need verify this debt. The amount {$1600.00} is the amount that is owed and I need verification of this debt. I do not believe I owe this debt because I had warranty and the original company would not honor that warranty and put me in a bind because my furniture were broken and I paid for warranty and no one fixed my furniture. I needed the information and no one would sent me what I needed to contest the warranty and the broken furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Navient Solutions, LLC.
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: Personal information incorrect

Complaint:
I used a 3rd party service ( XXXX XXXX XXXX ) to get set up with Navient for my student loan repayment. Navient used all contact information from the 3rd party to process my loan. All correspondences relating to my loan, payments and personal contact information was sent to XXXX XXXX instead of me. I received no account number, payment dates, payment amounts, calls or notifications of my repayments status. It was not until a delinquency appeared on my credit report that I was made aware that they were not receiving payment from XXXX XXXX. Once the delinquency appeared on my report, I immediately contacted them and brought the account current! Updated my contact information, including phone, address, email and changed my account log in information. The issue is that the late payment and delinquency was not removed from my credit report. As Navient set up this account with fraudulent information and was never able to contact me to discuss the student loan, my credit has suffered and I am now unable to secure a home loan that I am currently seeking for a home I am scheduled to close on in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contacted XXXX regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the XXXX XXXX of XXXX. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those XXXX years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told XXXX the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.

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 2023-04-17
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account at Umpqua Bank without my knowledge and got insufficient funds out ( {$50.00} ). Called the bank and talk to a representative and they told me that I would have to go to FTC.GOV which preferred me to you guys ( cfpd ).

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 2021-09-15
Company: SYNCHRONY FINANCIAL
State: AR
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:
I purchased a new pressure washer that was sold through XXXX and the brand of washer is XXXX. I after a couple of weeks I called to check delivery status and was told they have no idea when the pressure washer would be shipped or arrive. I asked for a refund and was told I have to dispute the charge and have no proof of the refund. I never received any merchandise and only want a refund of {$300.00} which is the purchase price of the pressure washer. I paid with my Lowes credit card and can not get refunded for some reason.

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.

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 2019-11-06
Company: JH Portfolio Debt Equities, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea when Credit Control , LLC took over. I received no notice from the previous debt servicer that the loan had been sold to another debt service company. Months went by without communication from either company ( I cant for the life of me remember the name of the one prior ). When I finally received a notice from Credit Control , LLC it was an account statement that informed me I could now make payments on their website using my account number. When I called a very nice lady walked me through the process but to no avail. I made a mistake and got myself into debt when I was out of work. I spent too much money on a suit for a job interview that never netted me a job. Thats on me. However, in my opinion, its incumbent on the credit card companies and the debt service companies they sell to, to keep consumers - whether they have sterling credit or not so sterling credit - better informed. I may have just continued to send checks to a company that didnt have my debt, which was my fear when I couldnt log in to the website. I didnt, but you see the issue. My last communication with them was last week when we discovered my account number was invalid on the website. Ive called and emailed to ask at least for a letter showing chain of debt ownership and I have yet to get a response.

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 2023-06-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

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 XXXX XXXX XXXX. 

Account names : XXXX XXXX XXXX XXXX {$530.00} # XXXX po box XXXX Iowa XXXX, IA XXXX XXXX XXXX XXXX {$600.00} # XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX {$450.00} # XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX CREDIT XXXX XXXX Has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization,  Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine

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 2019-09-23
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received mail correspondence from PHH Mortgage Services on XX/XX/2019 enclosed with a notice regarding 'what does a company do with your personal information? ' On the lead mailing addressee sheet that was enclosed with the notice there is a 3rd party name in the addressee in addition to my name and my wife 's name. On XX/XX/2019 I attempted to resolve this issue with PHH Mortgage Services escalation department in the XXXX and XXXX XXXX, NJ as to why the 3rd party name is in the addressee for the documents sent to us. I have been put on hold for over an hour and a half with the PHH escalation department in XXXX XXXX, NJ only to have to leave my phone number to have them call me back. I have received no call from PHH to explain why there is a 3rd party name on the addressed documents. The 3rd party name on the addressee document is a known acquaintance to my wife and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I changed cell phone companies from XXXX to XXXX XXXX XXXX. Walked both XXXX devices into the store and returned them to a store representative. I was given a receipt for the devices. I received a XXXX bill for XXXX showing the devices on the bill. I followed up and called XXXX customer service advising them of my store visit and the return. XXXX advised me to allow more time for the devices to be credited to the final bill. I stated i wanted to pay the bill off as soon as possible and needed to exact amount due. XXXX and I went back and forth. I received a phone call from a collection agency XXXX stating the debt had been sent to them. I submitted my receipts and they sent the account back to XXXX. XXXX failed to update the information instead selling the account to another collection agency Diversified Consultant. I spoke with a representative for diversified onXX/XX/2019 who stated the debt. I asked to be sent a me out the bill and breakdown of the debt. I advised him was disputing the debt as the amount was not correct. I did not receive the letter until XX/XX/2019. I sent a dispute/validation letter certified mail on XX/XX/XXXX that was confirmed by Diversified Consultants to be received on XX/XX/2019. I received notification that Diversified Consultants ignored my dispute and reported to the collection agencies the debt on XX/XX/2019 dropping my credit score. I am disputing this debt because I do not owe it. I have disputed this debt ; therefore, until validated Diversified Consultant knows the information concerning this debt is inaccurate and had a duty to not report inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I want to file a complaint against Experian, XXXX, and XXXX. I have sent 4 dispute letters ranging from XX/XX/XXXX to XX/XX/XXXX. I have mailed all letters by certified mail with confirmed received receipts but they have not provided what was requested. All 3 Bureaus were given more than enough time to validate these accounts. I am requesting all accounts below be removed from my credit report and all non-account holding inquiries over 30 days old. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ). The failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The following accounts needs to be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX  XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account XXXX XXXX XX/XX/XXXX XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation