BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-06
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:
The 3 credit bureaus Equifax XXXX XXXX   are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX XXXX  {$34.00} 2.XXXX  XXXX  {$29.00} 3.XXXX XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX  XXXX {$91.00} 11.XXXX XXXX {$240.00} 12.XXXX XXXX {$29.00} 13.XXXX XXXX {$150.00} 14.XXXX XXXX XXXX {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Act Reliant Cap my rights has been violated. The name XXXX XXXX is reporting on my consumer falsely. 15 U.S.C 1681e Section ( b ). States wherever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about who the report relates.

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 2019-04-06
Company: Experian Information Solutions 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:
The 3 credit bureaus XXXX XXXX Experian are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX XXXX {$34.00} 2.XXXX  XXXX {$29.00} 3.XXXX  XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX XXXX  {$91.00} 11.XXXX  XXXX  {$240.00} 12.XXXX  XXXX {$29.00} 13.XXXX XXXX  {$150.00} 14.XXXX XXXX XXXX {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}

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 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not long ago this company placed a charge off on my credit reports. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XXXX/XXXX/XXXX requesting validation ( please see attached ) and they responded in a letter stating that they did n't have enough information to investigate my dispute ( please see attached ). My 3 page letter to them was very, very clear. They are just stalling. It 's as if they did n't read my letter. The fact is, I have never had an account with this company. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a XXXX citizen, 2 ) I am a veteran of our military, 3 ) I am a lXXXX XXXX XXXX and lastly XXXX ) They will NOT get away with this. They have chosen the wrong one to play games with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

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 2019-04-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland agreed that I could pay my account in full if I paid {$460.00}. {$460.00} was deducted from my bank account on XX/XX/19 for in full payment. Contacted Midland Credit Management XXXX and was told by XXXX that the payment was declined. XXXX then told me there was a glitch in their system. Called back and was told that I needed to fax a copy of my bank statement showing payment which I did. Called again on XXXX and received the same information that their system showed that the payment was declined. 

XXXX received an overnight envelope from Midland today stating that l my payment was declined and that the balance due was {$830.00}. Called Midland and spoke with XXXX and was told that they would straighten my account out but he would not give me definite timeline. I requested an email stating that the account is paid in full. XXXX said he could not do that. Went online and it shows a {$370.00} balance due. I advised XXXX that I was contacting CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account WELLS FARGONA/XXXX  which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGONA/XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-12-14
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lvnv Funding is seeking to collect a debt from an account that I didn't make an agreement with there company and which they have no signature or authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXXXXXX XXXX is the company that this complaint is concerning. We have had this mortgage with XXXX XXXX XXXX since GMAC went bankrupt and sold the mortgage off to them. At the time OCWEN took over the mortgage they said there would be a ( balloon ) or deferred payment at the end of the mortgage or it would disappear after time if we make every payment and pay it on time. We have done this faithfully without missing or being late on any payment. Still the deferred payment exist and this is causing us problems with getting our house refinanced as we wish to do. Is n't there some way of making this deferred payment go away as OCWEN stated that they would do? And also there is a matter of XXXX XXXXXXXX XXXX increasing the Interest on our mortgage every so often and not giving us notice of any kind that they were going to do this. This has happened at least three times, if not more. Is this legal or should we be given the right to be notified when such a thing like this is going to happen?

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

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 2018-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX/XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5.

I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This " compamy '' Rent Recovery Solutions is trying to collect a debt on an apartment that has gone out of business, I made the necessary agreements with the apartment before i moved to close out my payments because my mother passed away and I had to move out, so they honored my situation. Fast forward and this place is still harassing me trying to get a payment as well as reporting false information on my credit report for a business no longer around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: JPMORGAN CHASE & CO.
State: CA
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 customer service

Complaint:
The credit card company is raising the minimum due on my card 's balance. In the past three or four months they have raised the mount twice ... with no notification, on the amount on the statement. They are notorious for not providing quality notification and using cheap tactics. I have two cards with Chase. They closed one card because I wrote to them in disagreement with raising the interest rate. I called on it and they said it is because the Federal Reserve is raising. The Federal Reserve lowered the rates. My initial minimum due was {$10.00} in XXXX. I have never overused or extended my credit. I worked on establishing credit. I paid my card off in XXXX. I have not had a late payment in many many years and only a total of two maybe three late payments. If they have been late it was an error in postage or something similar. There is no explanation. I have had an issue with someone taking my cards and putting them back in my purse or file. I am not certain who was the culprit or why. Someone just needing to control. I am messy but very clean For example, my floor and baseboards are clean, but there is sewing stuff all around or if I get busy, I leave my project there and work on it when I can. The person is real and the person just likes to XXXX with my head and prove I do not have " XXXX '' I am someone's obsession. In fact, I went on vacation for two days in XXXX XXXX at a dirt-cheap price after staying in my room a year. I paid cash except for the two gift cards I put on my credit card for rewards. I paid Chase back for the cards almost immediately. When I arrived at my hotel they required a credit card. I had under a {$100.00} balance because I paid off my card in XXXX right? I get a text and the hotel said the credit card was declined. I am having a really good lunch while waiting for my room. And that's the disruption. I do not have XXXX. I finish go to the hotel and they tell me it was authorized. My bank card did something similar last week at XXXX XXXX. I had to put it on my credit card. They declined my credit card. They know when I am paid. I pay credit card on time!!!! I have never made a late payment. I want the minimum due down there. I wrote to Chase in the Secure message website., a customer service rep, " XXXX '' said Chase won't change the minimum due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Currently on a XXXX XXXX and need supplies. Was advised that I have medical bills in debt collection but never received any notification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
I have a auto loan with Navy Federal credit union. There is a late payment for XX/XX/XXXX. I never recieve a bill statement for the month of XX/XX/XXXX, nor the month of XX/XX/XXXX. this is the reason I didnt know it was due. According the Fair Credit Billing Act, if I do not recieve a monthly statement for the bill. I am not responsible for the payment for that month. therefore I can not recieve a 30 day late payment. I take my credit History very seriously. I also have no late payments on my credit report.I always pays my bills on time. the only reason It was not paid was I didnt recieve a bill. therefore, according to the fair credit billing act. I need that late payment remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bread Financial Holdings, Inc.
State: UT
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:
XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. 
I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, I've been with Cash App since XXXX. They also have XXXX, a service that allows you save and grow your money. With this XXXX account, I can save money, grow money. I can also take money out of as account as needed. To do this though I had to verify myself on my XXXX account to access my money. It was easier to put the money in the account than it was to get out! Since XX/XX/XXXX, I have done EVERY VERIFICATION they ask for and they still would not let me access my money. I called CASH APP SUPPORT on XX/XX/XXXX, still as usual, they need more verfications. This time when I went through the verification process, they took all of my money from my XXXX account. They said they needed more verifications so I asked my aunt to help me with verifying me because they asked f there's someone else that can help with MORE VERIFICATIONS!! My aunt helps me out and they take her money as well. Now when I ask for my money back, I get we're sorry for the inconvenience and we will do our best to get your money back that shouldn't been taken from you in the first place, especially for our verification process. 
Instaed of giving me my money back, every since XX/XX/XXXX I've been calling, emailing, via twitter, and they are still giving me the run around. So much to the point that they said it's been over sixty days so now they can't help. Wait a minute, What help? 
I have never received any help from yet. Over 6 months and all they did was take from me and my family. My family member who they stole from tried to stop the payment rom going through y contacting the bank. She reported the incident to her bank, but they still managed to override the bank and take her anyway. They have never helped me at all. I just want my money back! I did not authorize any transactions for money to be taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Synovus Bank
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation