BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  All made Hard Inquires on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX XXXX  XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.

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 2021-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by
Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX XXXX XXXX  XX/XX/19 Nay Fcu XX/XX/19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax states it uses XXXX as a third party vendor. My XXXX report has been on freeze for a long time and Equifax is not able to Verify a bankruptcy from them. Equifax state clearly on my reinvestigation that they verified my second request with XXXX. This is completely untrue and they must Delete the Bankruptcy. I had the same issue with XXXX and they simply deleted the Bankruptcy. I also have a letter from the court house stating that no information is ever shared with Third party Vendors. Equifax is lying that the investigation was ever done and they must delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted non-refundable {$500.00} application fee to Amerisave Mortgage in order to refinance my mortgage at a better rate. Once I paid the fee and competed the application process, my loan officer stopped communicating with me over the phone. What little phone communication I did have my officer ( XXXX XXXX ) kept telling me my loan was " 100 percent complete '' and he didn't need anything else from me. Then I would get email requests for insurance documents. The documents requested were confusing and unfamiliar to me. When I would call to ask questions, he wouldn't answer the phone or return my calls. When I finally did speak to him, he again would say he didn't need anything else and to ignore the requests for documents. Often after speaking, I would get an email from his " assistant XXXX '' asking for the documents he just told me he didn't need. This went on for a few weeks, until I responded to " XXXX '' ( who never spoke to me or answered questions and who I think was a robo ) that I had just spoken to XXXX who told me again to ignore the document requests and I was tired of going around in circles with them over the documents they wanted but wouldn't answer questions about. Right after that my loan status was changed to " cancelled '' without explaination. I lost my {$500.00} application fee to uncooperative finance company. Amerisave Mortgage are unethical thieves.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: MRS BPO, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally closed out XXXX and paid all of my bills plus return the equipment with proof in XX/XX/XXXX. I have names of who I spoke to verifying my account was closed appropriately with no debt owed. On XX/XX/XXXX I received a letter from MRS associates of XXXX XXXX. this letter states I owed {$89.00} to XXXX XXXX. I immediately disputed this in writing and sent a dispute letter certified mail on XX/XX/XXXX ( XXXX ) and confirmed receipt by MRS . I never received any correspondence in return. Today upon checking my mail I  received a collection letter from a XXXX XXXX XXXX XXXX from Georgia. At this point I feel harassed with collections, and have received no response from either XXXX or the original collection agency. The debt is invalid, and I feel victimized having to spend more money to keep sending certified letters on an invalid debt. Also both collection agencies have my name spelled incorrectly, and I will provide it in the contacts so it matches. Please advise if there is anything I can do. Sincerely, XXXX XXXX XXXX XXXX Original Collection : MRS Associates of New Jersey XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Subsequent Collection after failing to hear from my formal dispute as above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: WA
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 started a dispute regarding legal first and middle name change due to XXXX XXXX on XX/XX/2021 with Equifax via fax and later online. Across 7 attempts to properly provide the required documents I have been declined 5 times. I did at one point receive a confirmation of a successful change, but credit report shows that to not be true. I have one outstanding investigation to be completed by XX/XX/2021 and an agent confirmed the dispute had all required information and should be done quickly, but no progress after 3 weeks. I was informed there is no escalation available to me, I simply had to try again, and can not speak to the investigating agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to correct my personal information on all three of the credit bureaus, however I have not received a response from any of them. On XX/XX/2021, I sent a letter requesting that credit bureaus correct my name, address, phone number and employment. I have several different names, addresses and employment information that does not belong to me. I also have over 9 public records on my credit report that do not belong to me. I have not been contacted by any of the credit bureaus to validate this information on my credit report. In addition there are unknown credit accounts on my report. I am requesting that the Consumer Financial Protection Bureau investigate my claim and hold the credit reporting agencies accountable for the misinformation that is being reported to the public without validation. I demand that this misinformation be deleted and that my personal information be corrected immediately. The credit bureaus have not responded in a timely manner ( within 30 days ) and I should be granted my request immediately. I have enclosed the letters that were sent to the credit bureaus on XX/XX/2021 for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit reporting agency has done it again I sent in every single document for an alleged Bankruptcy file # XXXX they have reporting on my report. I just received a document from them stating the item was verified which is completely false and in violation of the. They stated to me the item was verified through XXXX XXXX. I then went to them and they replied they could not even verify the information and removed it from my file. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted and they responded and flat out lied that the item was verified. This has been going on since XXXX. I have now gotten my states attorney involved as well as the XXXX XXXX XXXX. They are violating my rights and damaging my credit. I do not think they are conduction any research and furthermore once gain I sent them every single document. it is also on Transunion website they use XXXX XXXX : XXXX has removed it off my report with no issues because once again it is unverifiable and false. 

For bankruptcy public records collected through XX/XX/2018, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-03-29
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian is reporting false information on my credit report violating FCRA 15 USC 1681- ( a ) ( b ) 15 USC 1692 ( a ) ( b ) I would like to remove all negative remarks from XXXX XXXX date XX/XX/XXXX. 2021 and 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 2021-02-03
Company: EQUIFAX, INC.
State: AL
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 call Equifax and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, 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:
It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: MO
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:
After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX credit file and find that my personal information was breached.

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 2020-05-22
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:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

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 2020-09-07
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital Accounts called XX/XX/XXXX to collect a debt I was totally unaware of. Capital Accounts LLC had an old address on file that I had not lived at for over six months prior to the date the collection was filed which was XX/XX/XXXX. XX/XX/XXXX Capital Accounts LLC called to collect a debt, did not disclose the reason for calling before asking me my name, address, and phone number. Capital Accounts LLC had the wrong address on file and asked me to verify and correct information before disclosing who they were. I have since disputed Capital Accounts LLC with all three credit Bureaus, and they have been discharged from all three credit reports since XX/XX/XXXX. I have since spoken with several debt collectors from Capital Accounts LLC who continue to try to collect a debt that was successfully disputed and discharged. To no avail, I am still receiving calls from Capital Accounts LLC claiming I need to dispute with their administrators since I had them deleted. There is no reflection of Capital Accounts on XXXX, XXXX, and XXXX  as well as XXXX XXXX ( despite them not being a credit bureau ). I have informed Capital Accounts LLC multiple times since XX/XX/XXXX that I should not be receiving phone calls any longer yet I am still receiving seemingly harassing phone calls. I have asked for written documentation of the bill in XX/XX/XXXX and did not receive.

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 2019-02-21
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:
to my best knowledge my personal information was taking to open fraud wiresless account and to apply for loans of some kinds i was advised to send this form in for the accounts that i didnt authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: Collection Professionals, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I hired a local company to fix my hot tub. He completed part of the repair but then never came back to finish the repairs. I prepaid for all repairs on my credit card. Since he never came back to finish the repairs and would not return my phone calls I disputed the unfinished portion of the repair ( about half of the total credit card bill ). He then sent me to collections for the whole amount, plus another unidentified {$760.00}. The collection company has identified that I still owe the payments even after verifying payment. The said they sent me a verification of debt, which I never received. I asked them to help me understand their collection process and said I would pay what is owed, just not for uncompleted repairs and false promises. They said I owe the debt immediately and that I will be reported to the credit bureaus. I have fully contested the collections with letters dated X/XX/2017 and X/X/2017

Company response to consumer: Closed with explanation