BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2020-09-18
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: Their investigation did not fix an error on your report

Complaint:
Credit Fraud Report : I received a call on Thursday, XX/XX/XXXX, from XXXX Credit department indicating that someone with an Illinois address had fraudulently taken a vehicle loan in my name, with my social security number and my cell number. They asked me to contact the XXXX Credit Victim Department ( at XXXX ), which I did, and they told me that they will start an investigation. 

I also went to the Experian website and saw that someone had fraudulently opened an auto loan account with XXXX Motor Credit on  XX/XX/XXXX with an original loan amount of {$98000.00}. Apparently, that criminal made 1-2 payments and the last payment was over 30 days late, and that is when I was called. That is the first time I ever knew about it. 

I immediately filed a police report and informed all 3 credit bureaus of the fraudulent loan in my name. All 3 credit bureaus froze my credit at my request. 

XXXX and XXXX also REMOVED THE FRAUDULENT ITEM from my credit report after receiving the police report. 

EQUIFAX REFUSES to do the RIGHT THING. EQUIFAX CONTINUES TO FALSELY CLAIM that the FRAUDULENT ITEM on my CREDIT REPORT is ACCURATE. EQUIFAX thus has become a PART OF THE FRAUD AGAINST A CONSUMER. There is little I can do except complain or file an expensive and time consuming lawsuit against EQUIFAX to get my RIGHT. 

Please hold EQUIFAX, and its CEO and BOARD MEMBERS PERSONALLY LIABLE, FOR THIS EGREGIOUS FRAUD. 

Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Square Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had my unemployment going into my cash app account via direct deposit and they disabled my card. It won't let me get the rest of my money out of the account because they suspended it. I emailed them and they said i violated the terms and agreement. Which i didn't. Everything comes in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON XXXX, XXXX, XXXX AND EXPERIAN. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.

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 2020-02-27
Company: STATE FARM BANK, FSB
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, credit report, etc. The accounts are attached ( State Farm ), ( XXXX ), and ( Fair Collections original creditor is XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: FEDChex Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit card was gotten by someone on internet, found out card was cancelled and now the company is going after me for charges someone else did. Told them card numbers were stolen even signed affidative to the fact, and they got my email and phone number now are harassing me for payment, This needs to stop,

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 2020-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I presently have a complaint with you activity. Complaint # is XXXX. However, today I received a reply from Chase stating charges are valid but did not address or answer my questions with regards as to why I am being charged for something I did not purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
THE AMOUNT IS XXXX DATE SEND : SENDER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENDER BANK : XXXX XXXX   XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX. 
XXXX XXXX, XXXX RECEIVER BANK XXXX XXXX XXXX  XXXX. 
HEAD QUARTER, U.S.A OUR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS BORROWER. ENTERED A LOAN AGREEMENT WITH XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX AS LENDER FOR A CABLE PROJECT IN XXXX XXXX. 

IN ORDER TO PROCESS OUR LOAN, XXXX ISSUED AN INVOICE TO XXXX FOR THE AMOUNT OF XXXX. 

XXXX SENT THE MONEY XXXX FROM XXXX  XXXX  TO CAPITAL ONE BANK AND CONFIRMED RECEIVED THE AMOUNT. 

THE CASH WAS NOT CREDITED TO THE ACCOUNT OF XXXX XXXX   XXXX AND WE DEMAND FOR THE RETURN THE MONEY. 

OUR BANK SEND TWO ( 2 ) XXXX XXXX XXXX HOLD HARMLESS LETTER FOR THE REFUND OF THE MONEY BUT WE DID RECEIVE ANY RESPONSE FROM CAPITAL ONE BANK. WE SEND COURIER PARCEL WITH CERTIFIED COPIES OF XXXX XXXX  XXXX & OTHER RECEIPTS BUT STILL WE DID NOT RECEIVE ANY RESPONSE TO CAPITAL ONE BANK. WE SEND AGAIN XXXX  COPY FOR THE RETURN OF THE MONEY AGAIN WE DID NOT RECEIVE ANY RESPONSE TO CAPITAL ONE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Law Offices of Frank J. Maier & Associates
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX amount of {$14000.00}. I have sent XXXX XXXX XXXX a debt validation on XX/XX/2017 and XXXX XXXX XXXX has not responded. XXXX XXXX XXXX then took me to court on XX/XX/2017. I have no knowledge of this debt.

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 2022-11-24
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Started paying an additional {$1000.00} per month towards the principal balance, plus the required payment. This was automatic deposited. Money did not go toward the principal and in fact no accounting of where it did go. 
Trying to solve this for a long time. I am a XXXX Veteran who has had some medical issues for a while but am much better now. Need to know where my money went, no help at all from the Bank.

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 2019-01-25
Company: CL Holdings LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received letter in mail on XX/XX/2019 from XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX attempting to collect an old debt that I was never aware of and not notified of in the past from XXXX XXXX for {$360.00}. Letter states that because of age of debt I can not be sued but debt can be renewed and I can be sued if I promise to pay or make any kind of payments. I feel like they threaten me by stating that I should determine the effect of any actions taken on this debt. They follow up with a 30 day notice to dispute or consider this OLD and UNKNOWN debt valide. Reference number on letter is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please block the noteworthy items that are opened without my consent Please block these items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: SC
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IC Systems Inc added collection to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever. I C Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me.

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 2020-09-18
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced and my mortgage was sold to Huntington Bank. I called and explained I wanted to make weekly payments and they stated their system couldn't auto set that up, but i could mail the payments in. 
Today, I received a collection call regarding a past due amount of {$700.00} I checked my account and all payments were received but it appears they were misapplied. 
The representative stated they were misapplied and said I should not send weekly payments or they will keep misapplying them and in turn I will receive collection calls and late fees on my account, even though the account is current. 
I stated that this is a system deficiency that they need to cure, not a payment change I need to make. 
Partial payments are permitted under CFR 203.556 which states in pertinent part " the mortgagee shall accept any partial payment and either apply it to the mortgagor 's account or identify it with the mortgagor 's account and hold it in a trust account pending disposition. When partial payments held for disposition aggregate a full monthly installment they shall be applied to the mortgagor 's account '' I had XXXX due no later than XX/XX/XXXX to avoid a late fee. 
XXXX due no later than XX/XX/XXXX to avoid a late fee. 

I paid {$350.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ( today ) As of XX/XX/XXXX they received {$1400.00} of the {$1300.00} due which satisfied XXXX XXXX bill. 

As of XX/XX/XXXX they already have XXXX towards XXXX XXXX bill which is not considered late until XX/XX/XXXX. Nearly ONE MONTH from today. 

As of today they have received XXXX total yet claim I am past due and are threatening to continue to mark my account as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 only credit bureau reporting unknown account. This account has been guaranteed not verified. No obligation to Chapter XXXX Bankruptcy. By federal law, this account shouldn't be reporting and in violation of FCRA laws. Submitting complaints prior to seeking legal counseling due to non compliant accounts and credit bureau not investigating into damaging accounts and falsely verifying as accurate. It's been past the allowed timeframe

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 2020-10-20
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX direct marketing is a very old debt that keeps selling my information to collection agencies. This debt is so old that I honestly dont recall the date of inception. It is negatively affecting my credit. The collection agency is showing a date of 2016 which is definitely incorrect. The debt is for {$490.00} and that is also incorrect. No product XXXX sells costs that much. Due to this collection on my credit report, my score is severely affected. I have made attempts to get this removed by phone but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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:
I have disputed with equifax many times over and over again an address that does not belong to me. The associates at equifax one dat tell me 48 hours and the ones over in XXXX tell me 30 days. Equifax is reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX which is not my address and i fear identity theft. My actual and only address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Also i have told them to remove the middle initial/name as my name should only be XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have not been able to get the fraud alert removed on my credit file by calling or sending a letter. The fraud alert is causing issues for me and it has the incorrect phone number listed on the fraud alert.

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 2020-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I have been trying to get a equifax with whom my identity has been compromised in their data breach to remove the fraudulent accounts. This company does not help and gives you the run around. I have heard the same thing from numerous individuals. I was included their data breach law suit and still they are giving me the run around. I will also be sub, XXXX XXXX  a complaint to the attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 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

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