BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently saw a collection on my credit report for IC systems. I contacted the collection agency as I do not use " XXXX '' which was indicated as the debtor. Where I live we use XXXX. I told them I disputed the account, but they insist it is mine and are unable to provide documentation it is mine. I even reached out to the reporting agency and was told by them that IC System " verfied '' it. However, not one piece of documentation can be provided for what this actually is.

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 2020-09-19
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to inform you my lender approved me to home modification, and I passed the 3 months trials from XXXX to XXXX. They sent me pockets for signature and notarized it.Multiple times my lender sent home modification pockets.The last pocket I sent was XXXX via US postal.3 days delivery.It has 1 more week before the timeframe lapse.Then as of today XX/XX/2020 I received letter from my lender that my application is denied to some reasons : I failed to submit the Home Modification Agreement in the time frame provided for me. I have the receipt of my mail that I sent to my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
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. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  Bankruptcy XXXX XXXX ; XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00}.

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 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion needs to delete and block this account immediately because it is fraudulent, XXXX XXXX XXXX   Account # : 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 2018-07-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used an American Express Serve Card, said to be secure and have Fraud Protection. It must be connected to a checking account to load money or one can load it at a store for a fee. On XX/XX/XXXX I received an email from AMEX Serve asking to verify that I changed my email address for the account. I had not so I called. Its diffi to get anyone to help you for this problem. I was in the phone with Serve as another purchase was made, all in Florida. 1st {$200.00} was loaded out of my checking account. The card had a balance. {$310.00} was taken. They said theyd open a case for me. 2 days later I received an email from them. They closed my account because I violated the agreement by committing fraud! What?!! When I called to discus they would not discuss it. They said their investigation is closed and there is NO one else to complain to, no where to write no one else to call and then the person hung up on me. I tried again with the same result. Please stop these people. This is a bad card with no protection. They are misleading consumers by stating that the card is secure. It absolutely is NOT! Also, they shut the card down and wiped the account from the stat. Now I can not see the transactions to file a report or to document. I do hope that something is done. This is poor customer service and fraud on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
There are several inaccurate and unfair accounts on my consumer report. The banking system is dependent upon my consumer report being fair and accurate. Without my consumer reporting being fair and accurate to me I can not extend my credit and provide for my family. I was never notified from TransUnion that the accounts in the letter attachment would be furnished on my report. TransUnion failed to do the initial investigation for these reports and ask me if the accounts were mine or if I wanted them furnished. This grave error has undermined my confidence in TransUnion. TransUnion assumed the role to furnish this information on my behalf. I did not give them my written consent to furnish any of my private information. Please see my following letter for all accounts to be updated or removed. The accounts I am specifically talking about are attached and uploaded 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: MI
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 XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Im having trouble with Capital One credit card. I made a payment on XX/XX/XXXX. I check my account each day, On the XXXX my account showed an error message. Ive called technical support many times, on 3 occasions they outright lied saying my account would be back online in 72 hours. They then demanded a picture of my drivers license ( front and back ) along with a note telling them to update my account with that information. This shouldnt have been necessary as none of my information changed since opening the account. Since my online access has been denied to me, I tried to pay my bill through customer service since my online account is scrambled. It turned out that my account was so screwed up that not even their own customer service could not process a payment. I have never missed a payment, and have excellent credit scores. This problem threatens my credit score since I cant pay my bill which is due on the XXXX of XXXX. All I get are lies from them and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Reporting company used your report improperly

Complaint:
Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, XXXX and Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, XXXX and Transunion is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-06-09
Company: EQUIFAX, INC.
State: NJ
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 you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, 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:
I have send in several letters and filed complaints that seem to be ignored by the credit bureau. I REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting for the following account : 1.XXXX Collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: NC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Again, PNC engaged in fraud and predatory behaviors. Why was I given onerous terms and how did I not get better terms for my mortgage loan? Again, PNC has refused to provide any information regarding similarly selected applicants who received loan. PNC is a criminal organization and should be investigated for their loan practices to XXXX XXXX. I sincerely believe I was treated differently and was discriminated against due to my race. After all this time and delays, the response from PNC was quite dismissive and plaIn wrong. Their response is clearly a non-response and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Contacted transunion several times about not updating my student loans from deferred to non deferred. They tell me to contact lender I have se real times the last 4 months and le der says and has shown proof of notifying the change. Transunion pretty much calls me A liar and hangs up on me everytime. Half the time you cant understand the people. Why is our government allowing a company outside the united states to monitor Americans credit history?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We asked for a loan modification in XX/XX/XXXX, and were denied by Shellpoint. They sent us a Comparative Market Analysis showing a value of XXXX. This is inaccurate as we are in Bankruptcy and the Court accepted an actual Real Estate Appraisal showing a value of XXXX as of XXXX, due to mold and other issues. Shellpoint also increased our payment ( we had a previous loan mod ) without informing us. Additionally, Shellpoint shows a deficit of XXXX, which theyve never explained nor provided breakdown of, though weve asked on numerous occasions. My wife and I are retired and live on a fixed income. Also, I was diagnosed with a life threatening illness this XXXX. We cant remodel our home and the reason the value is what it is ( XXXX ) is because of a major flood in XXXX, and subsequent floods that were never addressed nor repaired. The unit has not been renovated unlike many if not most of the complex we live in. Weve made payments of XXXX as we were supposed to and not told otherwise by Shellpoint. XXXX has almost XXXX complaints against Shellpoint and those are just the published ones

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NV
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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
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: Their investigation did not fix an error on your report

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: WI
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:
Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, Equifax, XXXX, XXXX and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
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: Information belongs to someone else

Complaint:
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: WELLS FARGO & COMPANY
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency never send me anything about a collection debt trying to collect and now they taking out of my check now I live pay check to pay check a debt back in 2007 which I don't recognize or have no previous knowledge of it.

Company response to consumer: Closed with explanation