BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: Experian Information Solutions Inc.
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 checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted XXXX XXXX by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

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 2021-06-07
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in a process of buying a property. 
Mortgage officer is XXXX XXXX, the company name " Guaranteed Rate ''. 
NMLS ID : XXXX I was promised particular interstate of 3.75 % and particular monthly payment on it. So I paid earnest money deposit, inspection fee, appraisal fee etc in order to move forward towards closing. 

However, right before closing, he increased an interstate rate and of course all other monthly costs are now was also increased, even though he promised to keep the interstate rate locked no matter what. 

I am not agree with new terms. So now I am going to lose all the money I put into buying process, which is more than {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: Information belongs to someone else

Complaint:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ DATA INTERNATIONAL ACCOUNT IS XXXX BALANCE IS {$5500.00} I REQUEST THIS ACCOUNT TO BE DELETED FROM XXXX AND XXXX. XXXX   ALREADY DELETED IT FROM CREDIT REPORT, I WANT PROFF OF THIS DEBT SENT TO ME. OR BE DELETED FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citibank will not allow me to use my credit card to buy products from some firms that deal in XXXX or XXXX related products.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2018-06-24
Company: CASH AMERICA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Got an email that stated in the subject line Warrant for your Arrest. This is illegal to threat to scare me into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX decided to charge my account since my main account was closed due to fraud, and because I did not have enough funds to cover all those transactions USAA declined them all. Declining the transactions is fine. The important issue here is that I was charged a returned fee on every single transaction twice due to XXXX resubmitting those transactions. I called USAA on XXXX XXXX and spoke to an Executive Agent ( Supervisor ) who stated she would make an exception and waive one last overdraft charge to help me out. Also, she stated she would put a stop pay on those transactions to prevent them from hitting my account. Today to my surprise I see that the credit she promised is not there and also another transaction from XXXX caused another overdraft. I ca n't remove the account on XXXX 's end because there are pending transactions. I need someone to review my calls and explain to me why I was lied to. I 've had my account for years and I 've never had this issue. I just moved my entire family from Puerto Rico to the states because the hurricane and this bank has decided to not help at all with the situation. Also, they are not allowing me to close the account which to be honest would have solve the entire situation. Currently the account is still overdrawn due to the missinformation I was given when I called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
State: NY
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:
Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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 2019-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-04
Company: National Credit Systems,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:
Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with National Credit System , Inc. regarding a debt I do not owe to XXXX XXXXXXXX XXXXXXXX in the amount of {$74.00}. 

I have repeatedly asked XXXX XXXX XXXX and National Credit System , Inc to provide me with proof of my signature that I have legally binding contractual obligations to pay National Credit Systems , Inc {$74.00}. 

XXXX  received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX for investigation. It obvious XXXX   have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
Santander Consumer USA is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted Santander Consumer USA who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: MS
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These public records should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX, I had a Chat conversation with a rep and told him to cease contact I do have screenshots and can send them to Capital One 's Legal Counsel Via email when contacted, I also contacted capital one via email on XX/XX/XXXX, same herein to cease contact. Capital One continued calling, emailing, and mailing collection attempts! Violating the State Law Common Law tort Invasion/Right to privacy law, PA Criminal law under the PA constitution harassment by written communication as the was no legitimate purpose to contact me as I ordered them to cease and desist and still received emails, mailings and calls! On or around a week ago I also submitted info in their legal dept portal and still haven't heard back! I also unsubsrived to all emails and am still receiving promotional offers via email to date!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells Fargo XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, IA XXXX Account Ending In : XXXX XXXX Identity Theft ) My identity has been compromised and although I've made Wells Fargo aware that the account in question does not belong to me, Wells Fargo has continuously reported a fraudulent account on my credit report. 

My most recent correspondence XX/XX/2018, notified Wells Fargo that their attempts to collect a debt were illegal and their erroneous reporting of the negative and fraudulent item on my credit report. 

Unfortunately, Wells Fargo has refused to remove the negative items from my report. The FCRA demands that a true and accurate report be made of an individuals credit worthiness. Wells Fargo 's erroneous reporting is nothing short of defamation of character.

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: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
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:
There accounts on my credit report that are listed on my credit report that do not belong to me. Please remove 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 explanation
Consumer complaint received 2018-03-19
Company: Informative Research
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
INFORMATIVE RESEARCH Hello, This inquiry is on my credit report that was pulled without my knowledge for a morgagte with XXXX XXXX I would like this removed as well as I did not receive a loan from this company and do NOT have any morgagte loan at all so I did not receive anything from this company and they are on my credit report and I have no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, 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:
credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am trying to refinance my house but when I pulled my credit report I noticed that my chase credit card is saying that i missed a credit card payment in XXXX. I never missed a payment since i opened the card in 2014. I told Chase that I did not receive the bill but they wont listen to me. I researched on XXXX and the fair credit reporting act says that all information on my credit report must be accurate. This is causing me so much stress and money. Please tell chase that they can not do this to people. 

it is showing a 30 day late payment in XXXX showing on all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX XXXX is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.

Company response to consumer: Closed with explanation