BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
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:
SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX, Fl 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 2021-06-04
Company: EQUIFAX, INC.
State: IL
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:
Good morning, I'm filing this dispute against XXXX  and Equifax based on their inaccurate credit reporting - TransUnion is showing my credit score at XXXX Equifax is showing my credit score at XXXX I filed a complaint two weeks ago and they both made minor adjustments, however BOTH bureaus are still reporting my credit card usage as 24 % - in fact, it's closer to 10 % What's more troubling is the fact that they're showing my Age of Credit History at 10 months, which is horribly incorrect. I've maintained an impeccable credit history for 3 years now This needs to be adjusted as again it's impacting all of my ability to obtain a car loan, as well as, my overall good standing. I'm about to engage in government contract work and this may very well prohibit me from doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: AR
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:
Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 To Whom It May Concern : Please note that I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act. The FCRA requires you to verify the validity of the item ( s ) within 30 days. If the validity can not be verified, you are obligated by law to remove the item ( s ). It has now been more than 30 days, And I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Acct XXXX I had a XXXX XXXX acct # XXXX on recurring payment for this account and never missed a payment and when I turned this car in XX/XX/XXXX for my new XXXX ( acct XXXX ) it turned into a complete nightmare. i had 7 months of payment left and was told i would have a final bill that would tell me how much i owed XXXX. I contacted XXXX in XX/XX/XXXX and was told that there is a process involved where they have to sell the car in an auction and that the final payment would not be available immediately and I would be sent a bill when it was. From XX/XX/XXXXuntil i moved into my new apartment in XXXX I never received a bill but instead I received an alert from XXXX XXXX in XX/XX/XXXX that I was reported to collections, when I spoke to a representative they explained to me that there were several accounting errors done on this file and that it required a supervisors attention. When i spoke to supervisor they initially told me it showed that this car was turned in late XXXX and when i told them it was wrong that i turned my car in for the new XXXX and gave them the account they did not under stand why it took this long to get a final pay off amount. Finally, on XX/XX/XXXX a supervisor was able to fix the errors and produce the final billing amount which included a customer credit for the errors and inconvenience, I made a payment in full the same day for {$2400.00}, the supervisor also tells me that this collections account should be removed off my account but required I reach out to someone in the Credit department. I am currently in the final stages of the home buying process but just got denied due too instead of XXXX retracting this collections account from my credit report, XXXX apparently updated the account status and closing date. When I called XXXX on XX/XX/XXXX regarding this matter I was told my account was still not closed because I still owe XXXX money. After I spoke to multiple representatives I finally got a supervisor who again apologized for another accounting error and that my account is indeed closed in good standing and left notes to have this collections account removed from my credit report. This is very important Ive been and continue to be a loyal customer to XXXX, I have always paid all my XXXX bills on time and still to this date have my account on recurring payments to insure that i don't miss a payment. i need this retracted from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Kingston Data & Credit International Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to this gym 2 times almost 5 years ago!!! Never went back and canceled. I was under the impression that I was on a month to month and could cancel anytime. Its been almost 5 years ago XXXX of 2016 and Ive never heard anything from them and now theyre trying to sell me debt to someone and slap it on my credit 5 years later! This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
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 do not recognize hard inquiries from CBNA/Best Buy on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from 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 2020-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is violating the Fair Credit Reporting Act, specifically, 15 USC 1681s-2 ( a ) ( 5 ) ( A ). As they are failing to report the alleged date of alleged first delinquency. 

A violation of the FCRA is a per-se violation of the FDCPA and a violation of the FCRA and the FDCPA is a per-se violation of the AFDCPA ( Arkansas Fair Debt Collection Practices Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical debts not owed by me.. I have repeatedly tried disputing these medical debts through reporting agencies and through credit bureau and have not been able to resolve these debts in order to fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Account status incorrect

Complaint:
I submitted a dispute and informed them that was not me. replied back dispute closed

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 2021-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
A few weeks I applied for Capital One Quicksilver with introductory 0 % APR for XXXX year. Upon receiving the credit card, I simultaneously received a letter from Capital One 's fraud department. After calling the fraud department I was informed that I must deliver a copy of My Driver 's License, Signed Social Security number and proof of residence. After providing all the information with a copy of my mortgage statement. 

After providing that information I was called back from the fraud department again informing that I the copy of mortgage statement was not valid for proof of residence. The fraud case manager informed me that a copy of my bank statement would validate proof of residence. After submitting all this highly sensitive information twice to Capital One I heard nothing from them for over a week, so I decided to contact Capital One again. After calling the Fraud department they informed me this time that they were trying to contact my bank XXXX to validate my bank statement, but the bank would not do so. I told her that no bank would give a 3rd party information without some written authorization from the customer. After this I demanded to speak to a supervisor who told me that now a Utility bill would sacrifice for proof of residence and that a Utility company might validate my address with a 3rd party like Capital One. My last communication was providing a copy of XXXX XXXX  Power bill to their secure document upload website.

My main reason for this complaint is I believe Capital One is engaging in bait and switch tactics with customers who don't run balances. I had this same incident happen to me beforehand when applying for a Capital One card with a promotion rate and bonus. I was previously a customer with them for years and I have lived at the same address for 7 years so all this address verification is absurd since its the same address that I had when I was a customer with them. After looking at forums it seems other people are experiencing the same issue and it seems the common denominator is they are customers who don't run balances. Also in the process applying twice now Ive taken a inquiry hit on my credit report for a credit cards that they approve then try to take back after they realize that wont make money off you with interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Starting with XX/XX/XXXX I have written to Portfolio Recovery SIX TIMES requesting debt validation with absolutely no response. NONE! So in XXXX, I started to track their receipt of my letter by sending it not only by USPS but also by fax. Including today ( XX/XX/XXXX ) that makes 7 months, 7 letters, with 4 confirmations, and they have simply ignored me so the letters sent XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and today I am attaching as proof that they were received. I even reminded them in the letter of all the previous dates and they still ignored me. I wrote to all 3 bureaus during this same time period without a response even when asked how did they verify the debt or to send me a corrected credit report. They don't accept faxes so I can't prove they got it but the postal service generally doesn't fail to do its job ( I'm just saying ). I'm a XXXX XXXX and as an essential worker, I've traveled across this country only to wake up in hotel rooms in cities that sometimes I couldn't remember the name of just to help fight the COVID battle. I'm tired. I'M TIRED! I can't keep up with COVID and I can't keep up with Portfolio. All I want to do is go home ... really go home ... not to the apartment that I rent but to my own home that I'll own and this blatant disregard for me as a consumer and for the law is making that impossible. I've fought for the people of this country on the XXXX XXXX. Now I'm asking the CFPB to fight for me on the consumer/credit battleground and make Portfolio and/or the bureaus delete this account - they have had more than enough time. If they haven't responded it's because they can't respond - it can not be validated. I want to go home ( sobbing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Bread Financial Holdings, Inc.
State: NY
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 from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft COMENITYBANK/VICTORIA  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER 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 explanation
Consumer complaint received 2021-06-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Victoria secrets card-I made {$700.00} payment and it didnt tender it as shouldve been. Ive paid on bill date before and no issues. The one time Id was large payment they didnt post after billing out. Regardless the gd money was paid early on the account not late as it reports! Also while trying to resolve this matter they knocked half of my avail credit away-permanently! I didnt agree to this and I was not late! I have paid same bill date before. Comenity is ripping me off at ruining my credit score! I have since been denied benefits I pay for! They also closed Wayfair account that I jus opened. Im suffering from them moving locations and refusing to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. 
XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( CLOSED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial XXXX. XXXX XXXX, XXXX, TX XXXX XXXX : CFPB XXXX. In XX/XX/2020 I received a copy of our Retail Installment Sale Contract Simple Finance Charge from GM Financial along with a copy of XXXX XXXX XXXX account payment history. XXXX XXXX XXXX account number XXXX was sent via email directly to our home address included in GM Financial file. Upon, receiving the wrong documents, I called GM Financial to inform them that they sent Ms. XXXX XXXX 's account payment history instead of our account payment history. Again, I stated this in my complaint to CFPB. On XX/XX/2020 I received a call from a Ms. XXXX from GM Corporate who insisted on knowing how I gained access to MsXXXX XXXX XXXX file. More than once I clarified that it was sent to me via mail from GM Financial. It was included with our requested personal documents. At that time, Ms. XXXX apologize for GM Financial error and for sending Ms. XXXX XXXX information along with our personal documents. Ms. XXXX XXXX asked me to discard MsXXXX XXXX 's personal document. MsXXXX XXXX acknowledge that she received all of our CFPB complaints including my cease and desist yesterday to cease communication. We will not be held responsible for GM Financial consumer 's privacy violations of the consumer credit transaction with MsXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: AMERISAVE MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our names are XXXX and XXXX XXXX and we tried to do a refi with Amerisave.com at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Their phone is ( XXXX ) XXXX. They made us pay a {$500.00} application fee. We gave them all the information needed. Then when I asked to check for a lower rate, They ignored my calls and emails and emails sent to the customer service. I gave them everything they needed and then they never got back with me for approving the loan. I would like them to refund my {$500.00} application fee. My wife is XXXX and they might not have given us the loan because of that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: MO
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 accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 ) XXXX {$670.00} 2 )  XXXX {$820.00} 3 ) XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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:
SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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