BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: OH
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:
This week Equifax removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also XXXX XXXX stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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 fraud alerts or security freezes

Complaint:
Transunion is refusing to remove fraud alerts 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 2023-09-25
Company: KEYCORP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX  and XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  account to KeyBank at the instructions of the scammers. 

Given that their client, owner of XXXX number XXXX, was an active participant in the movement of my money, which eventually ended up with the Company, KeyBank have not exercised their duties to identify this suspicions scheme in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have tried repeatedly although unsuccessful to remove multiple inquiries from my credit report with all 3 credit bureaus multiple inquiries in a certain timeframe should only count as 1 inquiry. Each bureau refuses to remove the inquiries from my report which is affecting my credit worthiness.

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 2019-03-07
Company: EQUIFAX, INC.
State: IA
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 applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries that followed I didn't not authorize are : XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Three inqueries not authorized. Next, I applied to XXXX XXXX XXXX XXXX, XXXX. The following inquiries not authorized : University XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Two inquiries not authorized. Next I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries I did not authorize. XXXX XXXX, XX/XX/XXXX. University XXXX XXXX, XXXX XXXX, XX/XX/XXXX. Thre inquiries not authorized. Total inquiries not authorized are 8. These were not explained to me and I had not been informed these would be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 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 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 XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) XXXX ) XXXX 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. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2019-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called from a blocked number on XX/XX/XXXX threatening that I would be served with " papers '' about a debt if I did not call in 24 hours. They left me a phone number of XXXX. They also called my mother 's home with the same threats against me. Leaving the phone number of XXXX. That number belonging to XXXX XXXX XXXX XXXX, XXXX. 
On XX/XX/XXXX I answered the call from blocked number and spoke with XXXX XXXX. Mr. XXXX informed me that he is with the county, and he was to serve me with " papers ''. I asked Mr. XXXX to verify what county he was with, but he refused to give me that information, replying, " What does it matter? '' He then provided me with a phone number to call. When I called XXXX, I began speaking with a women that did not identify herself or her company. I asked her what their calls to me were regarding. She stated that I was being charged to attempt to " Defraud a Financial Institution '' and " Theft of Goods and Services ''. I asked her on what grounds, and she referenced a Capital One Card that had be paid and closed in XX/XX/XXXX. I informed the women that that account was paid and closed on that date, and referenced the case number in Missouri XXXX. 
She responded that it did not matter and I was still being charged in XXXX XXXX County. Further search of Missouri XXXX shows no open cases again me. I asked her for verification of the debt, and she stated that I was sent something in XX/XX/XXXX, but they would not provide me with any evidence of the account or the mailing they allegedly sent. 
She again warned me that I was being charged and I asked her to not contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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: Account information incorrect

Complaint:
XXXX, account number XXXX, the original creditor and XXXX XXXX XXXX, account number XXXX, the debt buyer for this account are appearing wrongfully on my Equifax credit bureau report.BOTH accounts have inaccurate and incomplete information regarding the payment histories and date of first delinquency.They are both two months away from the 7yr mark since accurate date of first delinquency.XX/XX/2011, the account was 30 days late and then never brought current.Both state 1 year later and that is called re-aging. 
The dates in both items are inaccurate and upon inspection conflict with each other and appear as non-factual. 
BOTH accounts should be removed from Equifax credit file for their incomplete payment histories and inaccurate dates on just about everything stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and infromation I have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have requested validation with these companies and have received NOTHING back! My hardship was 7 years ago and these items should not be listed on my personal credit file, my rights are being violated 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 explanation
Consumer complaint received 2017-09-19
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: Public record information inaccurate

Complaint:
I contacted TranUnion about bankruptcy information that is displaying on my credit report to let them know that the information was not accurate. The bankruptcy did not belong to me. They said I needed to dispute the information on my credit report. I disputed the information onXX/XX/XXXX and the information came back on XX/XX/XXXX as being verified. While TranUnion was working on the dispute, I reached out to the Bankruptcy Court in XXXX to get information about the verification. They told me I could send a letter. I did and they responded to my letter by letting me know that they did not have information on file about me and that they did not verify any bankruptcies. They sent me this letter dated XX/XX/XXXX. I have scanned it in and will include it here. 
When I received the information from TransUnion on XX/XX/XXXX, I called them to inquire about how they verified this and the person I spoke with told me they verified it through the Court systems or a verified source. So I let her know that they did not verify it through the Court systems because I have a letter from the court system specifying that they do not verify bankruptcy information for credit reporting agencies. The customer service rep then said that it must have been verified by the outside source. I requested that information from her at that time and was told she could not give that to me. So how am I able to dispute the verification if they will not tell me who the source is so that I can write them for debt validation? I need to clear this up and according the FCRA, I should be given the information to clear up the inaccuracies on my credit report. I should have full disclosure. It is my credit report. I am trying to figure out what the problem is. This information does not belong to me and I would like it removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: AMERICAN EXPRESS COMPANY
State: NE
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:
American Express has been blocking the transfer of my membership rewards points to other airline programs for a 6-8 weeks now. I receive the error message that my " purchases are under review. '' I am unaware of any purchases I meant that would have run afoul with the program and called in multiple times to get the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
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: Information belongs to someone else

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-03-07
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XX/XX/19, I agreed to pay Midland Credit Management {$200.00} on XX/XX/19 and XX/XX/19. The auto draft did not take out on XX/XX/19. Each time I called, I was advised the representative handling my account was either closed or not available. I finally reached XXXX on XX/XX/19 in which he told me they were having " financial difficulties '' processing payments. When we first spoke he told me " ensure I have the funds in my account to process the payments '' which is why I told him no later than the XXXX or XXXX of the month so that I can ensure they are paid. My paycheck was cut short due to an HR issue in which I am waiting on a refund check via the mail. I have other bills I need to take care of now and when I told XXXX that he transferred me to his supervisor XXXX. XXXX said there was nothing he could do. I told him this has caused me nothing but stress and was unwilling to provide me with any other information other than " ensure there is money in my account ''. I asked when the payment will be taken as the contract that was agreed upon would take the money out on the first if the money was not there. I was not given an answer but only kept in a looped conversation. Highly frustrating and stressful to deal with when I work a full time job trying to get back on track with my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX has closed the account as charged off due to non payment is and reporting to my credit as 90 days past due unfairly. XXXX requires an active connection to your checking account using a third party services. The link consistently failed to work and I could not otherwise make a payment. I switched phones from an XXXX to an XXXX device and XXXX does not support XXXX  phones. Their app is required for all activities related to the credit account so I lost any ability to access my account. I sent numerous support request tickets asking for assistance to make a payment to the account and did not receive a response until just this week finally they responded with a text message link to make a manual payment, which I did to payoff the full balance. XXXX 's response stated they email me statements with a mailing address to send a payment - I've never received an emailed statement from them. During the course of my inability to access the account or make payments, XXXX sent periodic text messages with inconsistent information. I'd receive a text saying the account was 15 days past due followed by 90 days, followed by 30 days, almost due, nothing was ever presented to me with accurate information. XXXX not once communicated to me in a timely or accurate manner. XXXX never sent anything to me in the mail or make any phone calls to me. XXXX is not handling their credit product appropriately, they're making it difficult for customer 's to responsibly manage the account, and I would like assistance in having XXXX update my credit report to remove the late payment reporting due to their error and failed ability to provide customer support.

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 2020-03-17
Company: Experian Information Solutions Inc.
State: CT
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 have found fraudulent accounts in my credit report that I did not authorize, previously I have try to remove them but nothing was done, I'd like to as for you help to fix this situation in my credit report. such accounts needs to be remove from my credit because they do not belong to me nor I have authorize them.

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 2018-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used XXXX through my Wells Fargo account to pay a person with an account at XXXX XXXX. This person using their XXXX account committed fraud and stole {$200.00} from me. 

My complaint is against Wells Fargo, XXXX and XXXX XXXX. Wells Fargo and XXXX own XXXX. 

My case is EXACTLY as those described in the recent XXXX XXXX article on XXXX and their significant issues with fraud. XXXX  : XXXX On the night of XX/XX/2018, I sent money to a person advertising concert tickets on XXXX. I paid them {$200.00} through XXXX on the Wells Fargo website. The person I paid had a XXXX account linked to their XXXX account. The tickets were counterfeit. 

I immediately called Wells Fargo. The Wells Fargo website listed the transaction as " Pending. '' The Wells Fargo representative said that is incorrect ; the transaction was instant and nothing can be done. The WF representative then told me the XXXX account which had committed the fraud was linked to a XXXX XXXX account. The email associated with the XXXX account at XXXX is XXXX I have called Wells Fargo, XXXX and XXXX. They refuse to explore or investigate this case of fraud. Wells Fargo and XXXX say it is XXXX 's responsibility, XXXX says it is the bank 's. The joke is the banks own XXXX. None of them have any interest in resolving this issue. NONE OF THE COMPANIES HAVE A MEANS TO FILE A DISPUTE, COMPLAINT OR FRAUD. How can that be? 

XXXX and it's owners, Wells Fargo and XXXX have repeatedly told the press they will do everything they can to help reduce this significant fraud problem. Yet all three have systematic procedures that prevent just that. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, I'd like to raise a complaint on Mr. Cooper as a mortgage originator. 

The situation : I have an existing loan that Mr Cooper services well. 

I saw a Black Friday promotion to explore potential refinances on the website. I called in, and spoke to XXXX XXXX. 

She had to pull not only a soft credit, but a hard credit check - in order to give me a basic mortgage quote ( rate/APY/fees ). e.g., I was rate shopping. 

A quote that was uncompetitive was produced. Uncompetitive based on my credit score based on the LTV for the loan. 

The issue : It is not acceptable for a mortgage originator to have to do a hard pull in order to rate shop. A hard pull is associated with application, where I explicitly informed Mr. Cooper I was rate shopping and that could lead to an application, later. 
Not immediately.

Company response to consumer: Closed with explanation