BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
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: Problem with personal statement of dispute

Complaint:
I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked.

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a call from Capio Partners Llc some times 2 months ago, they told me I was owing a medical bill due to treatment I got sometimes last year. 
I asked him few questions about the name of the hospital and why has the hospital not contacted me before reported it to the collection. He told me the name of the hospital and it was a fact that I was admitted there last year for 2 hours but I was curious to know why they did not get to me before reporting me to debt collector. 

I told him I will check with my previous job health insurance company, I did gave them a call and they told me I dont have any outstanding and I should be careful of scammers. 

After this, I made a call to the Hospital and someone promise to give me a call back because the person to check the record was not on seat. 

I did not get any letter or further calls from both hospital nor the debit collector but the report did appear on my credit report as Derogatory Account few days ago. 
Because I would not want to toy with my credit history, I quickly call the number on the report and after making my complaint I decided to make the payment so as not to give me negative impact. 

Though I had paid but this will have a big negative effect on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
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 has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. XXXX as also removed this account 3 times without notification of it being reported back. XXXX also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} onXX/XX/XXXX. The vehicle was in the impound which is where XXXX got the vehicle from. It was never repossed for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Our family and the families of our cosigners are refugees and people with Limited English Proficient ( LEP ). 
When applying to Wells Fargo Bank and XXXX XXXX XXXX  for a student loan to pay for tuition at XXXX University, we did not receive any explanation from these Banks about the financial risks for the borrower and its cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Banks are simply trying to involve more people in the process of obtaining a student loan for their greater safety, that is, Banks put their financial security first, and not the financial security of their customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
Wells Fargo Bank lent a huge amount to a refugee with a green card, our son XXXX XXXX ( Account Number XXXX ). If, after checking our status, we were denied a loan for study, it would be correct, we would not think that this is discrimination, but it would not lead to such disastrous consequences for our family and 4 other families of our cosigners. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Banks and our cosigners. We made several full payments in XXXX XXXX XXXX  and Wells Fargo Bank even while our son was still studying and Wells Fargo Bank demanded payments, violating his Don't pay while you study principle. We continue to make payments to XXXX XXXX XXXX, but our financial resources have run out. 
In addition, Wells Fargo Bank sends bills by mail on the same account to different people, for example, on the XXXX line, on which XXXX XXXX is the cosigner, he and XXXX XXXX, who is not related to this line, receive bills. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again, we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of banks towards us as their clients and their unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing  contracts for student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo banker committed fraud by removing my automatic payment from my mortgage. They did this to earn more late fees.

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 2019-03-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX should be violated in New York just like XXXX XXXX was there high interest rate and demanding money I didn't understand they don't have the right social security number on file I want that off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

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 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to capital one where i got the inquiry from and capital one tells me to call XXXX to get the inquiry removed and XXXX tells me to call capital one. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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:
This account doesn't belong to me when they finally closed it and charged it off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I kept disputing this month after month they never showed me the proof of their investigation. 24hrs after the complaint they come back with the result of verified. show me the method of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
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: Account status incorrect

Complaint:
On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, XXXX, and Transunion requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new 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 2020-10-24
Company: EQUIFAX, 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:
This account with XXXX XXXX was disputed with Exquifax and collection agency it reported on XX/XX/20 as a closed account wih XXXX XXXX in which it was supposed to be deleted credit bureaus are supposed to report 100 percent accurate in which it is not because experian is still reporting as a collection as well as equifax, also this account has been deleted before and keeps appearing back on my credit report which is a violation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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. 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 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. Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX has violated my rights. 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 2020-02-13
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was last active XX/XX/XXXX XXXX  an XXXX already removed these accounts. But Experian saying the account was open XXXX. I am asking can you remove these accounts from Experian 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 2018-05-04
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The company stopped the program in summer of 2016. I had a balance of {$2000.00} loaded on my account. The company was supposed to send a check with the full balance to my address on file. I have not received the refund for the owned balance. After making multiple phone calls, representatives forward my inquiry to the bank and ask me to wait 4-6 weeks for check to arrive. I have waited for over a year to receive money owned to me. My next step would be small claims court and I will demand interest and legal fees compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX is illegally checking my credit. I have not given them permission to check my credit and this is the second time XXXX XXXX has checked my credit without my consent. Also XXXX XXXX is still showing on my credit with all three credit 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 2022-02-11
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:
Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with 100 % I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance

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 2022-02-11
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Well One of the Company is a bank Some how I recieved to accounts of checks with defen account Numbers and I never had an account with them. 

the other is someone in XXXX PA is useing My Name too!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been the victim of identity theft. After signing up for credit monitoring services, I noticed a total of 14 unauthorized inquiries. I submitted an dispute to Transunion XX/XX/XXXX notifying the of the fraudulent inquires but after their investigation, all of the unauthorized inquiries remained. I filed a XXXX police report # XXXX. The inquiries are listed below : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX   XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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