BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: LA
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:
Mortgage company notified of adverse information in credit report from 5 years ago in the form of unpaid debt of roughly {$100.00} in former home electricity account, contacted XXXX Texas by phone who informed they don't see a debt, per own records account was paid and closed in 2016, was able to file dispute with XXXX only, dispute with XXXX online service did not go through after 10 attempts, Equifax online service did not allow access to online service and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a request to Caine & Weiner Comp at XXXX XXXX XXXX XXXX Fl XXXX XXXX, CA XXXX to do a full investigation to verify debt that they claim is owed to them from XXXX XXXX, I have denied that claim on more than 1 occasions and the only thing a received was a bill. I reached out to XXXX XXXX and they have No account of me. I asked for original Contract with my signature written or digital signature and a complete payment history as well as proof of credit litigation and haven't received it, how are Caine & Weiner verifying the debt if XXXX XXXX has no info on me. I have a right to receive this info from Caine & Weiner and they have failed in this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint with the CFPB concerning several inaccurate items that have been reported on my credit report. I regularly monitor my credit history to ensure its accuracy and upon reviewing my credit report recently, I discovered erroneous information that is negatively affecting my creditworthiness. Please see the attached form with the accounts in question. In an effort to rectify these errors, I have already initiated the dispute process with the credit reporting agencies and creditors. The attached forms were also sent to these parties. However, the resolution has been slow, and the credit reporting agencies have not responded adequately to my concerns, leading to further frustration. 

Therefore, I kindly request the CFPB 's intervention to thoroughly investigate this matter and ensure the prompt and accurate correction of the inaccuracies on my credit report. Enclosed with this letter are copies of my credit report, clearly highlighting the inaccurate items. I trust that this documentation will aid in your investigation and resolution of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: I.C. System, Inc.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on I.C. SYSTEM, INC XXXX Balance {$190.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2019-01-16
Company: Experian Information Solutions Inc.
State: NV
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 checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX/XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : 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 non-monetary relief
Consumer complaint received 2017-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capital One keeps making credit inquiries on my credit report after I requested in writing that they stop. I originally allied for a credit card but was told that I had a credit freeze on my report. I contacted the three credit bureaus and they said their was no current freeze. In XXXX of 2017, I wrote Capital One to request to opt-out of solicitations. Since then, they have continued to make hard inquiries on my credit which I did n't authorize. The last two I can see were on X/XX/17 & X/XX/17. My credit score has been dropping due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS COMPANY SPEEDY CASH XXXX HAS REPORTED ON MY CREDIT REPORT AFTER MY BANKRUPTCY WAS FILED. ALL DEBT OWED SHOULD BE CLEARED IN MY CHAPTER XXXX. THE COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX # XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
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: Account information incorrect

Complaint:
XXXX is reporting account XXXX as my account as a result of transfer from Bank XXXX XXXX in XXXX XXXX. This account is not mine and XXXX should remove it from my credit report. On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from Bank XXXX XXXX. On XXXX XXXX, XXXX, the XXXX order the XXXX Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My daughter passed away on XX/XX/XXXX ; as a result, we needed to refinance the mortgage of our second home ( she was on the title ). Upon refinance, Ditech issued 2 checks and sent them to the property address ( renters were living in that residence and they did not provide us with the checks in a timely manner ). The 2 checks totaled {$3400.00} ( 1 check for {$1100.00} was an escrow refund and the other check in the amount of {$2200.00} was disbursed from a suspense account ). We did not receive the checks until roughly a year later when tenants vacated the property that was refinanced. 

I have contacted Ditech a total of 9 times as detailed below : XX/XX/XXXX - spoke with XXXX ( employee # XXXX ) - she said they would reissue the checks in XXXX 's name and we never received them ; XX/XX/XXXX - Spoke with XXXX XXXX - he indicated that I had to supply them with a death certificate, which I did ; XX/XX/XXXX - Spoke with XXXX in the XXXX, AZ, extension XXXX, and she told she was putting in the check re-issue request ; XX/XX/XXXX - Spoke with XXXX and she indicated that they needed to ensure the checks hadn't cleared - it would take 24 to 48 hours - she would follow up and let me know if things were moving forward - I never heard anything. 
XX/XX/XXXX - Spoke with XXXX and got the same stories ; asked to speak to a supervisor ( XXXX XXXX at extension XXXX ) and I was assured a call back once they had confirmed the checks had cleared ... I never heard back. 
XX/XX/XXXX - Spoke with XXXX and was given the same information that I received on XX/XX/XXXX - was told that while the request was initiated, it was submitted. I was assured that the checks would be reissued once the request was submitted ( XXXX said she submitted while we were on the phone ). 
XX/XX/XXXX - did not get the name of the individual I spoke with ( accent was too thick to understand ) - was told that the request was " in process '' XX/XX/XXXX - spoke with XXXX ( Employee ID  # XXXX ) - was told that they would reissue the checks once confirmed that they had not been cashed. 

I have called this organization 9 different times and keep getting the runaround.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX didnt give those companies to pull my credit

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 2021-11-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: UT
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:
Once again Experian shows the wrong dates on the XXXX XXXX XXXX XXXX credit card account for the pay off date and the same problem exists on the auto loan. They DID NOT FIX THE ISSUE BUT PUT THE DISPUTE DATES ON THE REPORT AS THE PAID DATES WHICH IS INACCURATE AND ILLEGAL! 

I've attached a page from my XXXX report showing the dates corrected on the auto loan, and the page from the Experian report with my new auto loan showing the month and year it was purchased. I have all of my loan docs to prove I traded in the XXXX auto for the XXXX XXXX XXXX and XXXX was paid off in XXXX XXXX. So XX/XX/XXXX IS NOT ACCURATE! 

If XXXX and Experian does not fix the dates on both them I am DEMANDING THE ACCOUNTS BE REMOVED ASAP! It's not rocket science to get this right! Get it right or remove it immediately! I have all of my documents including an email from XXXX showing the loan paid off! The date of the letter they sent is NOT the date it was paid off! So don't change it to that or I will go back to XXXX and force them to remove the account from my credit!

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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Account was restricted in error from bank. I was charged multiple nsf charges and it has not be credited. Bank stated they could not find I owned my own business thats why it was restricted once info was sent it now its magically not restricted and i was charged like 50 nsf charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Williams & Fudge, Inc
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on WILLIAMS AND FUDGE I ( Original creditor : XXXX UNIVERSITY ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NC
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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

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 2021-11-15
Company: Exeter Finance Corp.
State: AL
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 have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: AMERICAN EXPRESS COMPANY
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:
ear Federal Trade Commission, I am writing to lodge a formal complaint against American Express regarding my application for the Blue Cash Everyday card in the summer of 2022. Despite my cancellation request, I was shocked to find that my credit report had been negatively affected by the balance shown on my American Express account, which I never used as I never received the card. 

I have attempted to resolve this matter with American Express, but to no avail. I initially contacted their customer service team, and I was informed that an investigation was underway. However, it has now been over 4 months, and I have not received any updates on the status of this investigation. This delay has caused me undue stress and financial hardship. 

I urge you to investigate this matter thoroughly and take appropriate action against American Express for their negligence in handling my account. I believe that American Express has violated consumer protection laws and regulations by allowing a balance to accrue on an account for a card that was never received and canceled. 

I request that you hold American Express accountable for their actions and provide me with compensation for the damage caused to my credit rating and the inconvenience and stress that this situation has caused me. 

I look forward to hearing from you soon with a resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions 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:
Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by XXXX XXXX I was affected by XXXX inXX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too XXXX  on XX/XX/2020 while still in FB. Upon acquiring my mortgage XXXX proceeds to report me delinquent during this protection period. They were aware of the COVID FB bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted XXXX regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies

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