BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES AMERICAN CREDIT ACCE 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CT
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX XXXX XXXX with XXXX XXXX  and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS
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 had been communicating with XXXX about XXXX  XX/XX/XXXX and taking on a new route for better health. On XXXX.20, I decided to go forward. However, once I went through the consultation. Then I was scheduled with someone else for the program. In that conversation the representative realized my dismay and the fact of me being misled to believe the program was something else. The representative referred the manager to contact me. I was contacted immediately. At that time, I was redirected and once again it was an app needed to fulfill the program. I just received an smart phone and was not savvy with apps and it was impersonal. So, after I spoke with the rep and the manager, I determined this program was nothin which I hoped for and it was not a match and for my lifestyle at all. I contacted the manager and informed I wanted to discontinue. I sent an email to the person whom I originally talked with. After I sent email and left a voicemail without any response. I communicated with my bank for dispute. This communication was within less than 24 hours from my initial contact with the representative whom referred me to the manager. Therefore, I as a VA resident exercised my right to cancel 59.1-21.3. Cancellation of sale. As a matter of fact, I cancelled the services ALL within 24 hours. Aside from the fact, Three-Day Return Policy In consumer-facing businesses, the cooling-off rule can more commonly refers to a consumer protection law regulated by the Federal Trade Commission ( FTC ), that allows a buyer to release themselves from a purchase agreement within a set number of days of a purchase I contacted the manager and left a voicemail. No response I left a email to confirm cancellation ( attached no response ) I just want to make consumers such as myself aware of bad business practices and lack of response for resolution while transitioning to a healthy lifestyle. This behavior and handling of business is not acceptable nor ethical and possibly unlawful.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All statements with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Nj XXXX. 

Where my landlord XXXX XXXX XXXX stole and used my XXXX XXXX credit card. Along with my NJ state drivers license XXXX XXXX XXXX I reported this to XXXX police department and FBI XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Pa XXXX ( XXXX ) XXXX they dont investigate Credit card fraud.

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 2023-03-15
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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX and XX/XX/XXXX someone tried to gain access to my account. They fraudulently tried to use someone else bank account to pay off my balance and then use the available balance on the card. I was notified that my card had been restricted when I saw the same thing on several of my other credit card accounts. I made a police report and was told that this is a scam that had been going on. I notified Capital One and told them that I would be producing a police report shortly but I could n't because at the same time my city ( XXXX, Alabama ) had been locked out of their systems by a hacker who was demanding ransom and they could n't put any police reports into the system or even get into the system for that matter. As soon as I was able I got what I needed and sent it to capital one. I also turned over other police reports because I have been a victim of fraud several times before and I try to keep a close eye on my credit reports and things of that nature. I was told that I needed to pay down my balance and that after that they would re-authorize my card. I did exactly what I was told to do only to be told that they would not be reopening my account even though they had all the evidence that it was not my fault and that I was a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: IN
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A more detailed description is provided in the supporting documents but the core issue is that a Former Bank of America employee XXXX XXXX assisted a former business partner of ours, XXXX XXXX XXXX, in taking my name off of the company ( XXXX XXXX XXXX ) bank account and replacing it with only XXXX XXXX. This was done without my knowledge or authorization, as Bank of America 's own policy states, but simply with a new set of forms and the words 'supersede ' at the top. After XXXX was given sole access ( which was never approved by the managing members ), XXXX proceeded to funnel over $ XXXX of our and other people 's money before anyone caught on. When I went into the Bank of America branch where I opened the account, I was told that I have no account there, and therefore, no information could be disclosed to me. In complete shock, I found the rep who helped me open the account, and he investigated as much as he could, ultimately telling me that an unauthorized switch took place but that I should speak with a lawyer or file a complaint. We didn't have success with finding the right attorney, and I was repeatedly dismissed by Bank of America when trying to resolve directly with them. I filed a complaint with the XXXX, which went in circles as B of A kept giving them push back and the same illegitimate reasoning ( attached ). Being taken off of your own account and having your money disappear is not something I can just look past. XXXX has a pending felony charge against him for another financial crime he committed, also involving theft and forging of documents, and XXXX County District Court is making him pay restitution or go to jail. We believe this to be equal, if not worse, of a fraud and crime and something that the Bank and regulatory bodies should be able to help resolve without going to law enforcement.

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 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Transunion today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at

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 2023-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to follow up compliant on my previous complaint against Wells Fargo regarding the violation of my rights under the Fair Credit Reporting Act. In response to my initial complaint, Wells Fargo provided a response that did not adequately address my concerns, and their subsequent actions have continued to violate my rights as a consumer. 

As I previously stated, Wells Fargo has violated my rights under the Fair Credit Reporting Act. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Despite these clear violations, Wells Fargo has continued to report inaccurate and derogatory information on my credit report. In their response to my complaint, they confirmed that they are accurately reporting the account as " Closed ; {$0.00} Balance, '' with the last date of activity being the last payment of {$480.00} made on XX/XX/2019. However, they failed to address the fact that they are still violating my rights as a consumer. 

Furthermore, Wells Fargo 's response to my complaint was condescending and unprofessional. They stated that they are " unable to honor the request to delete or update the reporting to reflect a more favorable account history, '' which implies that I am requesting something unreasonable or unfounded. On top of this, they made derogatory updates to my account further damaging my credit. This tone is unacceptable and only adds insult to injury after further damaging my credit. 

I demand that Wells Fargo immediately remove any inaccurate or derogatory information about this account from my credit report. They must also provide a written explanation of how they plan to ensure that they comply with the Fair Credit Reporting Act in the future. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: Santander Consumer USA Holdings 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: 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. The XXXX Credit Bureau is reporting inaccurate information on SANTANDER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 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 response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 called capital One bank to dipute credit card information that was incorrect on my credit report on XXXX XXXX, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to XXXX to have account remove from credit. its has been more than 90 days and information is still listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: ENCORE CAPITAL GROUP INC.
State: NV
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. Despite the multiple previous written requests, the MIDLAND FUND account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
The absolute worst mortgage servicing company we have ever worked with. Absolutely terrible customer service and completely dishonest. Borderline predatory on VA customers. 

Working with Lakeview XXXX, XXXX XXXX and XXXX XXXX did not respond to e-mails, or phone calls in a timely manner. This was for a VA Streamline refinance in which they reached out to us to initiate. 

Our mortgage closing date was delayed significantly, due to no response/contact after all documents were ready for closing, which caused us to incur late fees with our previous mortgage company, and when asked if should call XXXX XXXX XXXX, we were advised no. Speaking with XXXX XXXX XXXX they stated it is standard for loan officers to call or advise consumers to call and they would waive the fee. 

We asked approximately six times across both personnel to ensure our Escrow came back to us, via phone, e-mail and official documentation. On XXXX XXXX we spoke with XXXX directly to understand what the current delay was and ensure our election referencing the escrow was still in consideration and he assured us that our escrow would come back. 

We have documents from XXXX XXXX XXXX XXXX that stated that XXXX contacted XXXX XXXX XXXX on XXXX XXXX, the next day, and explicit asked for a second payoff letter TO INCLUDE the escrow in the payoff ( what we explicitly reminded him we did not want and he acknowledged the day before ). 

Further, the timeline from initiation to closing was completely unacceptable for a streamline refinance and was further compounded by the amount of phone calls and e-mails that went unanswered by XXXX XXXX. 

Post closing we sent 3 follow up emails to both personnel with a requested response and did not receive one. We will continue to submit complaints with all organizations to include the XXXX until we have a full break down of all 4 estimates we received and why our wishes were directly dismissed without any valid responses.

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 2023-03-15
Company: EQUIFAX, INC.
State: IL
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. 

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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: VA
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation