BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: Capio Partners, LLC
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: Account information incorrect

Complaint:
ASSETCARE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today I spoke with the Experian resolution dispute center. They were rather unhelpful in that they denied that there were any issues with my payment history even though they stated on their website ( screen shot available ) that I should Pay On Time The FICO Score Simulator can help you see how your actions may impact your FICO Score 8. What could happen to your score if you paid all your bills on time? 
Your Current Score XXXX Very Good **Based on Experian data as of XX/XX/2021 I do pay my bills on time as indicated by the same web site : Your payment history is EXCEPTIONAL 0 Late Payments 30+ Days Number of your accounts that were ever 30 or more days late, or have a derogatory indicator.

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 2021-01-21
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Square merchant services terminated our account on XX/XX/2021. We are one of the largest marketplaces for XXXX and hemp-derived products on the Internet. 

They did not give any reason or elaboration. The fact that 90 % + of the brands on our site also use Square, and none have been terminated is very concerning. This is a clear case of prejudice and targeting one company over others. We believe we have been targeted or it's a case of prejudice  from people inside Square. 

If we can not take payments, we will not be able to pay our operational costs. Square did not even give us time to find another solution. It's unreasonable and unwarranted behavior, especially in a time when millions of Americans are suffering because of the Pandemic. 

We are in full compliance with federal and state regulations. We have a refund rate of less than 1 % and a 0 % chargeback rate, so we are not a risky account. This action by Square is extremely suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I have filed and identity theft affidavits. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi. Experian is telling me they won't do an investigation even after I submitted disputes in writing and filed a complaint with your bureau. What do I have to do to get them to do their job? It's not fair that I am being treated this way. Why do they just get to decide if they want to do their job or not? I already sent them my social security card and my driver 's license when I mailed them disputes. Why are they ignoring me? Is that legal? Does your bureau do anything about that? I don't know what to do anymore. Should I hire a lawyer? Please tell Experian to do their job. If this doesn't get fixed, I can't get credit. I need my credit badly and Experian is preventing me from getting credit because they refuse to do an investigation on an account that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: MO
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 ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-01-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was added as an authorized user on someones primary trade line in XX/XX/2020 and was taken of the account in XX/XX/2020, but the authorized user trade line is still being reported as open when its been closed for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate  said debt. I have never had a contract with XXXX XXXX, XXXX and therefore do not owe this company a dime!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a credit fraud alert on my 3 credit bureaus. Even with the fraud alert the 3 credit reporting agencies continue to allow my credit to be pulled with out my permission. Credit inquiries count against my credit scores. 95 % of the 50 plus credit pulls are not because i have requested my credit to be pulled.

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 2020-11-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander Bank issued an incorrect late payment on our mortgage. XXXX of 2020 reflects a late payment however the payment was incorrectly allocated to the prior months principal. We switched from online payment to a mailed check. It was received early and applied to the earlier month. 

We have spoken with them multiple times since XX/XX/2020. With the last phone call on XX/XX/2020 in which they agreed that the error was on their behalf. We received a letter dated XX/XX/XXXX that said they were researching the issue. They gave us an email address " XXXX '' to email for updates and reference '' XXXX '' in the subject line. We have emailed this address 2 x. The 1st time was XX/XX/2020 and the 2nd time was XX/XX/2020. There has been no response. 

We are unable to get a mortgage now for another home we are trying to purchase and suffered extreme hardship and loss because of this incorrect reporting.

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 2019-06-10
Company: Millco Management
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 an account was added to my credit report by Amerifinancial Solutions in the amount of {$37.00} from 5 yrs prior. I didn't receive notice of right to dispute and have no knowledge of the account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The three CRA along with third parties have failed to rectify erroneous and fraudulent information contained in my report and have continuously allowed access to my report without valid need. The CRA and their third parties and creditors are paying clients whose parroted information comes before the consumers even when I have submitted proof. The CRA has ignored my documents providing my personal information such as my address and have over 34 name and addresses variations of which they are allowing, they have ignored all documents of payment and have allowed creditors to change payment histories and reage old debt and even allow late payment reporting before thirty days late- even after fraudulent activity. This is unacceptable. The CRA has failed to verify, investigate and/or delete fraudulent or erroneous information along with allowing these companies to access my report for several years and have violated FDCPA & FCRA.

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 2020-05-23
Company: Experian Information Solutions 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:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a fraudulent credit card opened with my social security number. I tried to open a savings account at CHASE XXXX XXXX, California and the person who assisted me said I couldn't because someone else has an account already open with my ssn. I was contacted by CHASE executive office, on XX/XX/2020. I already provided them with my ssn card, passport and CA driver 's license. XXXX the case manager got in touch with the Fraud Department but just recently XX/XX/2020, said that my case is closed under her department. Now I'm waiting for a response from Chase Fraud Department from which I haven't received any type of notifications. Yet I do expect a letter or something that confirms that no one is using my identity and that the alleged credit card, as well as account is cancelled. Also, I couldn't file an identity theft report to the police as suggested by CHASE because they couldn't provide me with the thief 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: SANTANDER HOLDINGS USA, INC.
State: MI
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:
Disputed the inaccuracy of this account four times and requested documentation from the original creditor. The information remains incorrect and XXXX refuses to provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
sent the ft violaton and police report with all affvidavit please remove the ftc violation bk lates on credit reports caused by the ftc violation XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously submitted a complaint on XX/XX/XXXX in regards to XXXX XXXX attempting to collect for a debt that is not owed by me. The company XXXX XXXX responded on XX/XX/XXXX stating that I retained an attorney, and that they do not have a record of my attorney 's contact information. They requested that I provide that information so that they can contact my attorney directly. Lastly, Midland advised me if I was a victim of fraud to provide them with a copy of a police report or affidavit of fraud showing that I have reported the fraudulent activity. Since then I have sent ALL of the requested information as requested by Midland Funding. I sent a letter with my attorneys information and contact number as well a notarized copy of an affidavit from the FTC reporting the fraudulent activity. These documents were sent out certified mail on XX/XX/XXXX it was received by Midland on XX/XX/XXXX. I received a letter from Midland dated XX/XX/XXXX stating that " We are uncertain of what you are specifically disputing '' and " provide written explanation and documentation demonstrating any errors in our account information ''. Again, a request for my attorney 's information is asked for again. The same information was sent to XXXX XXXX XXXX the original creditor, I have not yet received a response from them however I XXXX is no longer reported on my credit reports. In this case, if the original creditor has been removed from my reports I DO NOT owe Midland Credit Management nor do I have a contract with MCM. I have done ALL that has been requested of me to resolve this debt and MCM has NOT provided anything VALIDATING this debt, I have since then followed step by step instructions from MCM to further resolve this debt and still I am being told that they are uncertain of what I am requesting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation