BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: NH
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 student loans that have been rehabbed are being report twice on Equifax and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. XXXX  will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: TN
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 sent document and proof of my address far as my driver license to support my claim with my correct address and asked them to removed all address from my report is not accurate and removed all account shown closed is not mind on my report ..and with a balance .several time i contact the creditor and the bureau with this situation and asking them to investigation into this matter and sent letter and proof to support my claim they still reporting in accurate information my report, violation of the law..CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU TO REMOVE YOUR NEGATIVE ITEM FROM YOUR REPORT USING MY 609 LETTERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Javitch, Block & Rathbone LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I the consumer, orginal creditor, XXXX XXXX has sent an Affidavit of Truth to the debt collector Javitch Block LLC regarding federal violations commited against me by their company. They are in violation of 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692b ( 5 ). 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; In exhibit A and B proves that these violations have been committed. I have also instructed Javitch Block LLC that all payments made to them be sent via check to the address on the Invoice pursuant of 15 USC 1692h 15 U.S. Code 1692h - Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Also provided Javitch Block with a cease and desist pursuant 15 USC 1692c ( c ) and invoking my specified remedy as the consumer and original creditor pursuant of 15 USC 1692c ( c ) ( 2 ) I am demanding that all account be XXXX out, Pay the attached invoice for every federal violation, and direct payment shown in exhibit A and exhibit B to address provided pursuant 15 USC 1692h.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
State: FL
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:
on XX/XX/13, I opened a statement for a Wells Fargo active cash visa signature card. The balance is XXXX, which all of the transaction made during the month of XXXX. 

That same day, XX/XX/13, I reported the fraud to Wells Fargo. I also reported the fraud to all three of the credit bureaus. 

One of the agents on the phone indicated to also make a report on FTC.gov. On that website, it directed me to CFPB.

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 2022-05-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over the past year - I have asked for a detail/itemized statement - which they have yet to produce.

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: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I currently have an FHA mortgage with Loan Depot. I refinanced into a conventional loan to with another lender to save money on interest and PMI. 

My new lender 's settlement company sent Loan Depot funds to pay off on XX/XX/21. After a few days I notice my account with LD is still open. I call LD to see what is going on and they tell me that the funds were short {$700.00} and they had returned the funds back. Then I call the settlement company and they tell me they never got the funds back. Calling LD back to ask how they returned the funds and they said they don't know how the funds was sent back but they showed that it was sent back on the XXXX of XXXX. I wasn't supposed to make any mortgage payments for 2 months ( XXXX and XXXX ) because we closed month end of XXXX. I had to make XXXX payment because LD at that point seemed like they had lost the funds that was supposed to pay off my loan. I file a complaint with the XXXX and on XX/XX/21 LD returns the money the same day. Now my settlement company is requesting a back dated pay off statement that will deduct any interest and my XXXX payment, but LD is dragging thus process for days and says that they can't back date it because it's our fault. They had no idea where the money was fir almost 2 weeks and it's our fault? XXXX is coming up and my Loan is still not paid off because of LD. XXXX XXXX and XXXX XXXX  have been very transparent and helpful. The closing rep at XXXX is also extremely frustrated and is willingly supporting me with this complaint. I need this resolved asap as my Loan is supposed to be with XXXX XXXX not LD. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Square 's Cash App has an option to provide a XXXXebit Card. I had ordered one, but never really used it. Since ordering, I had moved. I got a notification that they were going to re-issue a new card, but did nothing to verify that the address was still the correct one that they would send the card - other Financial Institutions do this as a security measure to make sure that a payment card is delivered to the actual owner. 

Since I never used the card, I contacted customer service to address my worry of the card being delivered to a wrong address and asked that they simply close the card and they were unable to do so. Customer Service should be able to close a card on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter concerning faulty and unknown matters on my credit score report. To this day, over 30 days later, I even have not acquired a reaction but. I experience like Im being taken advantaged of and being left out. Section 611 ( a ), It states that failure to analyze these gadgets within 30 days offers a cause to straight away cast off the ones objects from my credit score file. Its been over 30 days so that they have to be deleted directly. I call for that those bills be deleted straight away or I will document for litigation because of the pressure you've got brought about me. My statistics turned into also impacted via the Equifax data breach and might are becoming into the arms of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Account NumberXXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2021-03-01
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2016-09-14
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is a continuance of complaint number XXXX. Huntington Bank has never responded to my account complaint of monies being removed from my account first via unwarranted late fees now by duplicating previous charges made on my account and removing money that way. On XXXX/XXXX/2016 I check my account it had at that point $ XXXX.+ in it. The next day todayXX/XX/2016 it now has {$1400.00}. I have n't made any purchased and items from another day the entire charges made on XXXX/XXXX/2016 are false. This is a continued effort from what can only be a criminal group which keeps removing monies from my account and for some reason i ca n't get the bank or CFPB to get Huntington to do a complete audit just like I could n't get XXXX XXXX XXXX to do likewise when clearly monies was being removed from my account. This clearly is some type of criminal organization as I have a tax refund of {$990.00} from the IRS but without any explanation they keep stating I used the Hope credit which I clearly have n't and audited me. I used the company XXXX which when audited they represent you but for some reason they did n't even though they pretended to do so and had everything they need to show audit is incorrect. Money is being stolen from me and even though I write, complain and refer the acts to organizations like CFPB, FTC, etc. nothing gets done until years later the news reports what I reported years earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card is part of a fraud investigation so the bank has locked my card. I live in Oklahoma and there are no Huntington banks near me. I asked XXXX to expedite my card because I have no ability to get to my funds, and he proceeded to tell me he would charge me {$25.00} for the card. I asked him to waive the fee due to the circumstances and he refused to waive the entire fee. I told him I was not ok with the fee being charged to my account but if that is the only way to get my card then I guess he would have to do it but I was not ok with it. I told him I would speak to his supervisor on Monday in regards to the situation and I feel like it is extremely poor customer service to have your customer get the money stolen by the bad guys and then for the bank to steal my money as well is just not very customer oriented. This is not the first run in I have had with this bank. They have refused to give me my money once before and that seems to be their motto.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX 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 2023-10-12
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: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number 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 2023-03-08
Company: EQUIFAX, INC.
State: PA
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:
This Inquiries in not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On or around XX/XX/2023, XXXX violated the FCRA by adding a FALSE negative remark on my credit report which caused each of the credit bureaus to lower my credit score by XXXX points!!! This was in retaliation for me disputing an inaccurate credit balance on my accounts with XXXX. I have been diligently paying off my credit cards in an effort to buy a house and XXXX actions ( false reporting ) has snatched this opportunity away from me temporarily. I believe XXXX intentionally put the remark on my report to decrease my chances of getting a XXXX INTEREST CARD to transfer my XXXX balances to the new card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is First name- XXXX / Middle Name- XXXX/ Last name- XXXX It should appear as XXXX XXXX or XXXX XXXX XXXX any other name is incorrect

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