BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-28
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: Information belongs to someone else

Complaint:
Equifax is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. Equifax is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Account was transitionedXX/XX/XXXX to BBVA. I have been locked out of account without any means of contacting BBVA. I was on hold 8 hours then hung up on. This has been 4 days without access to my funds or critical account information. I can't buy food. Can't pay bills. Can't deposit checks. I am sunk and they have no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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 is missing that should be on the report

Complaint:
On XX/XX/2021 major financial was removed off of my equifax credit report by equifax. This same thing happened with XXXX they have since put it back on. I have spoken to major financial they said they did not tell anyone to remove so it was done so without my or there authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with 3 vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated XXXX inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that XXXX inquires were generated on Equifax, XXXX on XXXX, and XXXX on XXXX. There were some companies that ran my credit 2 to 3 times within 2 days, creating several entries. These inquiries were UNAUTHORIZED. I have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : Equifax : XXXX XXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran 2 times ), 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 Thank you for your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Someone took out a XXXX  XXXX credit card with my name and address but wrong birth date and email. 

I found out a credit report was done while trying to take out a new vehicle also in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: IL
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 have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. Experian, XXXX, and XXXX continue to report this as a paid collection instead of deleting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a request for a letter explaining what you have done to Inform business where the account was opened, that the debt is the result of identity theft ; Stop collection proceedings against me ; Stop reporting information about the debt to credit reporting companies ; and to provide me with the records was made to the above named Corporate Entity on the date of XXXX XXXX, XXXX XXXX Exhibit A - XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX and the Corporate Entity and Fiduciary failed to produce based on " failure of consideration '', " fraud '' or " mistake '' : In failing to provide such XXXX XXXX XXXX XXXX Harris & Harris, LtdXXXX and all agents have shown bad faith and default in their lawful duty of record to legally verify THE ALLEGED DEBT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The following companies below popped up on my credit information profile as hard inquiries in which I have no consent about the inquiry. I will like to dispute the hard inquiry the following company might have put in effect on my credit history or report. 

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
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: Problem with personal statement of dispute

Complaint:
This is my third attempt to have Experian correct and stop it 's erroneous sharing of unlawful and outdated credit information. However Experian continues to stand by their erroneous behavior. Experian 's last offer of an explanation to my last Complaint claiming that they were unable to address the issues that were made in the Complaint because they were not specific. The initial Complaint outlined the problems/issues in detail and Experian fail to offer an explanation by providing me a copy of my Credit Report, which did not reflect what they were sharing with Creditors therefore I filed a second Complaint.

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 2017-10-28
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your agencys failure to rebut, address, answer or respond to Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX and Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created a Summary judgment. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Summary judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created this Final judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: FIDELITY CAPITAL 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: Problem with personal statement of dispute

Complaint:
This company trying to charge me for rental month when i lived at address XXXX XXXX XXXX XXXX XXXX Texas even tho we moved out properly. Gave proper notice 60 days we was moving because my partner at the time was in the derives and had to change military base. cleaned up left house immaculate after we left and they still charged me. Took my deposit and on top of that said I still had to pay another months rent. I refused to pay because it was unfair they turned around and report it on my credit. I contact them tried to resolved send documents of proof and the rejected all responses. So now need this claim to be filled against the creditor for being bias and one sided. I need this removed off my credit asap for I do not owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, Capital One sent me an adverse action letter describing the reason for denying me credit for a credit card. According to adverse action described in 15 USC 1681m adverse action definition- ( 1 ) Actions included. The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. Adverse action never stated a consumer being denied credit, The Truth and Lending Act states the definition of a credit card- The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I, XXXX XXXX fill out a credit application giving Capital One my credit card. Finally, 15 USC 1681m ( C ) ( ii ) ( I ) ( II ) states does not include and transactions or experiences between the consumer and person furnishing the information or information from a consumer report. Fair Credit Reporting Act is used for the consumer to apply the laws with companies like Capital One using false and deceptive acts to undermine the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Over 30 days ago, I requested a credit investigation. I have not received me results yet, but I should have.

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 2022-03-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-03-31
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: Information belongs to someone else

Complaint:
Identity theft has happened to me. I've attached my ID and a copy of my identity theft report to verify that this dispute was lodged by me. These charges are not included in the list since I did not make them. I meet all of the requirements for Blocked and Removed entries on my consumer report under 15 USC 1681c-2. Failure to comply is a as a consumer, my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called Navient to ask why my loan amount had increased from XXXX to XXXX when I did n't make any changes on the loan. Navient told me I had selected in XXXX to go on a graduated repayment option. I asked for them to investigate because I never authorized any payment changes. I did tell them I wanted a forbearance at the given time and understood I would be charged interest for the time it was on forbearance. Then they proceeded to tell me I was on a " fixed '' interest rate. The customer service line gave me different answers everytime I called. I went online and starting doing research myself. When I looked on their website for a fixed payment option it did not exist. Only options were graduated interest only option. Looking at my loan amount it was $ XXXX. Exactly the amount I took out in XXXX initially. I know I attended some adiditional colleges for approximately XXXX. However with me paying my loans every month since XXXX and only missing XXXX full year in XXXX I should have had my loans down more. I could n't seem to get any help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: MA
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:
I have two collections on my credit report from XXXX XXXX XXXX which they are unable to verify. I sent the letter stating they can not verify these collection debts are mine. Experian still reporting on my credit report after I demanded it taken off my credit which is a FDCPA violation of my rights.

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 2017-10-05
Company: WELLS FARGO & COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX XXXX I requested a balance transfer, via phone, from my Wells Fargo XXXX XXXX card. I gave the XXXX digit number of the credit card I wished to pay off. I gave the last XXXX digits of the Wells Fargo XXXX, the last XXXX digits of my SS, my full name, and my full mailing address. I was told at that time the transfer was on it 's way. I monitored both cards and a week later I noticed the card I was trying to pay off had not been paid off. I checked my Wells Fargo account and noticed XXXX transactions. XXXX taking money out of the account ( to pay off other CC ) and XXXX returning that same amount back to my WF CC. I called WF and they said XXXX XXXX refused the electronic transfer. I told them the CC I was paying off has never been associated with any XXXX XXXX  Then WF sent me a cashier 's check payable to myself and XXXX XXXX I have never had an account with any XXXX XXXX. WF would not tell me where XXXX XXXX is located. I had WF stop payment on that check. And asked them to send the balance transfer to my XXXX XXXX, the holder of my XXXX XXXX. They told me that I was all set. A week later, on XXXX XXXX I asked again where my balance transfer had gone. XXXX XXXX. Again, I told WF that the card is NOT associated with any XXXX XXXX. WF escalated my case to the XXXX branch. Today, XXXX XXXX, I have repeatedly call to get a check sent solely to me to pay off this balance. They now want the XXXX digit security code on the back of my Wells Fargo Visa. I will not give it to them. XXXX times they have tried to pay this card without that XXXX digit security code, therefore they do not need that number. Can you help me resolve this. Thank you in advance for your help.

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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a XXXX account ending in XXXX on several occasions with XXXX, TransUnion, and XXXX. Ranging from 2017 up until recently. The account is charged off and the creditor is no longer actively attempting to collect the debt. I recently emailed the Ceo of  XXXX to receive confirmation that they are indeed no longer attempting to collect the debt due to the fact that the statute of limitations has expired. Also the company stated that it is the credit bureaus responsibility to remove the delinquent account. XXXX, TransUnion, and XXXX are not in compliance with the FCRA and are still reporting Bloomingdales on 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