BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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've tried since XX/XX/XXXX to resolve inaccurate payment history with Capital one credit card by disputing with credit bureaus, calling Capital One and writing letters to request additional information on there findings. They have my payment history marked as 30/60/90 days late but I have provided them with documentation that payment was made by the due date using my account statements and bank statements. Not only does my payment history reflect late payments but I have been charged an additional {$35.00} each month which shows on my statements because I was unable to pay the total minimum payment due but I feel that this situation has caused me hardship of low scoring to my credit report, adverse actions of declinations from other creditors and financial hardship of trying to resolve this matter. I was informed by Capital One representatives that my situation qualified for special hardship and I was approved to pay very small affordable payments until I was able to get out of debt and my health got better. Each time that I have disputed this issue, I receive correspondence from them stating after review, they feel that there records are accurate without providing me any supporting documentation as to how they derived at this conclusion. I have two credit cards with Capital one and they have me reported as late 9 times, in which, I only missed two payments. The second account, I have been marked 4 times late, in which, documentation shows I only missed one payment. I feel hurt that this corporation accepted my monthly payment, charged me additional {$35.00} for late fees and reported late payments for those months because I was going through medical issues and couldn't afford to pay the large amount of the minimum payment due. No one should ever have to be treated like this. If I have to have the adverse late payments on my credit report, I would like to ask for a refund of all the funds that I paid from XXXX returned back to me along with correspondence from the company stating they will remove the inaccuracies on both accounts within 30 days. I'm in the process of buying a home and these late payments are detrimental to my APR rate and my borrowing power and I just need assistance with getting this resolved as soon as possible. I will be providing supporting documentation along with my complaint so this issue can be resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account XXXX. XXXX I recently pulled my credit report and discovered that my mortgage account with XXXX is reporting my account as being adverse and delinquent when it is not. 

According to XXXX, they claim it is being reported accurately. However, when you look at my credit reports, the XXXX account is being reported as delinquent every month by all of the credit bureaus, when it is not. 

Ive repeatedly asked XXXX to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, XXXX writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my XXXX account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. There should be no late reporting. Consequently, the XXXX account is showing the account as delinquent when it is not. 

I am requesting that XXXX delete the remarks on my credit report immediately.

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 2020-05-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/20 MIDLAND FUNDING has debt on my credit report that I do not own. I do not have a written contract with this company or any agreement to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Markoff Law LLC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a XX/XX/XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I felt with the high interest charges, I wanted a change. So I turn in the car voluntarily. They supposedly sold the car for {$2000.00} and say I still {$8100.00} I say no, this company is a complete ripoff to the consumers. 
Now they have a debt collection Attorney trying to sue me. I got rid of this automobile because mileage and age, furthermore when I purchased it the front end was about to fall off, of which I had repaired, I could have been injured or even killed by this vehicle. I was totally lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I filed a dispute with the credit bureaus regarding an account with Waypoint Resource Group. They responded that the debt was verifiable. On XX/XX/2019 I sent out a letter requesting Waypoint Resource Group to provide me with Validation of the debt according to the FDCPA. ( USPS Tracking XXXX XXXX XXXX XXXX XXXX ) As of today, I have not received a response. The debt is still reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : 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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive sent Identity Theft letters to all 3 Credit Bureaus for the following accounts that are fraud and were not in any way formed/created nor operated in good faith or in accordance to my Person I.e Theft Identity Fraud : Credit Bureaus 1.Transunion 2XXXX 3.XXXX CREDIT/FURNISHER 1. XXXX 2 . XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXI 5. XXXX XXXX 6. XXXX XXXX 7XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10 . XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14.XXXX 15 . XXXX 16. XXXX 17. XXXX 18. US SM BUS ADMIN XXXX 19. XXXX : 20. XXXX 21. XXXX 22. XXXX XXXX 23. XXXX XXXX XXXX 24. XXXX 25. XXXX XXXX 26. XXXX XXXX XXXX 27. XXXX XXXX XXXX XXXX 28. XXXXXXXX XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. 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 2019-04-02
Company: EQUIFAX, INC.
State: OR
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 is reporting late payments on my account for XX/XX/2017 & XX/XX/2017. These lates are inaccurate. My account was set up to auto draft every month. I shouldn't have any lates and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: JPMORGAN CHASE & CO.
State: CO
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 paid my account every month on time online. But one month i got notice 30 days later that they never received my payment. I had a 30 day late pay put on my report by no fault of my own. I've tried to correct the issue with the company since i believe that it was their website that was the problem as I've never been late before or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made many attempts with this company to inform them of the Identity Theft I have suffer with my credit report. I have mailed in forms of the theft and disputed the account with XXXX, XXXX and XXXX. I made a report with the Federal Trade Commission XXXX. This collection department has refuse to removed this collection from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: MoneyLion Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Moneylion is violating my federally protected consumer rights and unfairly impacting my credit for an account I never opened. The phone number and bank account attached to that account do not belong to me. I have disputed this account numerous times to no avail. Please see the attached Affidavit of Truth and invoice. I am invoking remedy pursuant to 15 USC 1692. Moneylion is liable for {$1000.00} per violation in addition to fees relating damages sustained to my personal reputation. I have submitted a police report to XXXX  documenting the theft of my identity documents and I was apart of the XXXX data breach. Moneylion has made no reasonable effort to actually investigate whether this account is mine or belongs to someone else. They only assume that it is mine because its listed under my name and address. Whoever signed for this account was not required to provide an actual signature, only a TYPED digital signature for which they can't even provide a digital certificate proving that it came from a computer belonging to me! The person who signed for this account was obviously not required to provide any identifying documentation ; no picture of my license or ss card and MoneyLion allowed them to open an account in my name. The ESIGN act states that there must be evidence of the signers intent to execute or accept the agreement & a record of the electronic signature must be created at the time of execution and must show the process by which the document was accepted by the signer. Moneylion is required to have the appropriate authentications and certification to prove that I signed an e- agreement with them which they do not have. They've provided a document with a typed signature which they could have created themselves. ANYONE can type a name on a computer, this is not verification of an account belonging to me. 

Because I have stated that this account is related to identity theft under 15 USC 1681c-2 it was to be immediately blocked from any consumer file but it remains. This is my final time requesting that this information be removed from my credit report before pursuing further legal avenues. This is not the first time that Moneylion has been accuse of fraudulent and deceptive practices ; see the class action lawsuit DiCarlo V MoneyLion as well as the growing number of XXXX XXXX XXXX Complaints against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TransUnion and XXXX continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is  noncompliance and unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account had several unauthorized transactions for the amounts of XXXX $ another XXXX for XXXX $ and the last one for XXXX $ and I've tried to dispute them and the results for that my Wells Fargo account was closed and I never got a chance to access the account ever again

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I

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 2019-06-10
Company: EQUIFAX, INC.
State: VA
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:
These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, Equifax, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, homeless and XXXX. I never will apply for something I cant afford. Someone have been using my identity. Equifax have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX  with Equifax. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
on or about XX/XX/XXXX American express put on my credit report a charge off for {$4000.00} dollars i do not owe American express any money and i want this off my credit report and i had a XXXX credit score and this situation dropped my credit score down to XXXX so i am making this formal complaint of unfair business practice 's especially in theses difficult times i take pride in my credit and i feel there is malfeasant 's going on at AMERICAN EXPRESS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Filed a timely billing dispute over the phone with bank representative XXXX, ID XXXX on XX/XX/2018, at which point, I was not instructed to send anything in writing. In fact, I was advised to load all relevant documents through the online account center. This is for a purchase with XXXX. The card is administered by XXXX XXXX. Purchase amount {$1100.00} on or about XX/XX/2018. 

This is the only charge on my account, the bank did not suspend the monthly minimum payments nor the amount I have in dispute. Per my conversation with the above individual, she said make monthly payments and we will refund you. This is not the rules of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balanced Owed : {$3600.00} XXXX XXXX  XXXX Balanced Owed : {$3000.00}

Company response to consumer: Closed with explanation