BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act, Equifax Inc. has violated my consumer rights by reporting a XXXX  XXXX XXXX. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was previously working on this file. We have a new file but they are saying that I am not authorized. Please see the attached documents.

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 2022-04-27
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so.

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( XXXX ), # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX and # XXXX XXXX XXXX XXXX XXXX ( Equifax ) Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
Experian, XXXX and XXXX has failed to remove the following from the credit report. I have tried to disputed XXXX XXXX, numerous of times and the information is incorrect. I have also called the following companies to remove the hard inquiries from my account and have refused to do so. list of hard inquiries will be attached You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file
is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

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 2017-12-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX has reported to all 3 credit bureaus that my account with them has been charged off.I have disputed this false information many times and all 3 credit bureaus report back to me that the results from XXXX is stating charge off.I got in contact with a supervisor at XXXX on XX/XX/XXXX he would not give me his name but told me this account has been charged off.He could n't give me for what amount when was it charge off or anything. Told me to get in contact with the credit bureaus. I open an XXXX account back in XX/XX/XXXX my highest balance was {$180.00} never late. XXXX closed this account XX/XX/XXXX without me knowing. I did not authorize them to put charge off on my credit nor closed by grantor. False information that 's being reported! I want XXXX to remove this charge off and closed by grantor off my credit. My credit is taking a hit from that wrong information. Also can they sent me a letter stating they have removed from credit agencies.

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 2022-04-27
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Am individual living at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, WA XXXX, used my identity to get approved for a Discover credit card. 

After getting approved by Discover for a credit card with a {$16000.00} limit they attempted to change the billing address to theirs, the previously mentioned XXXX  WA, address. 

My credit monitoring service notified me of the transaction and I was able to contact Discover. The credit card was canceled by Discover, who provided me the address of the XXXX that attempted to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
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: Account status incorrect

Complaint:
Back in XXXX XXXX, I paid in person, my car bill as requested in my paper bill received for that month. Later, I was contacted by XXXX XXXX XXXX/ the auto lender, stating that I was more than 30 days late because I had only made a partial payment.
<P/>
I disputed that since I knew I had made my payment before being 30 days late and had paid more the amount due on the bill sent to me by the auto lender. The following month, I paid my bill before being 30 days late and for more than the bill amount due.
<P/>
Since then, my credit got seriously affected because they reported to the 3 credit bureaus that I paid 2 times 30 days late. I had never paid anything late and my report reflects this. My credit score was above XXXX and now is in the high 500 's! I have contacted the auto lender numerous times in an attempt to fix this matter and even asked for forgiveness if this was my honest mistake. Sadly, this was denied.
<P/>
Recently, I 've been keeping track of my auto loan monthly bills an de noticed that everyone of them shows a lesser amount due. Yesterday,XX/XX/XXXX, I contacted my auto lender and inquired about the difference in amounts due and long story LONG ... in speaking with XXXX at XXXX p/s/t, " I was NOT 30 days late in XXXX or XXXX XXXX. Nor did I make partial payments for either months. '' I asked to be kindly be mailed a letter reflecting this correction and she told me that she could not do this, but that instead I should reach all 3 bureaus and the bureaus would send paperwork to the auto lender and they would make the corrections at that time.
<P/>
Kindly assist me in doing this and advise me as to what I should do next.

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 2020-04-23
Company: Experian Information Solutions Inc.
State: MN
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 been receiving constant telephone calls of harassment, profane and abusive language and threats of XXXX from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX  XXXX  XXXX, XX/XX/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 2020-02-20
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My insurance company instructed me not to pay the billed amount of {$7200.00} received from XXXX XXXX XXXX for services on XXXX, XXXX, XXXX because they would be processing my claim. My claim was processed on XX/XX/XXXX but the hospital did not show the updated allowable amount under the plan which is {$1800.00}. My credit report now shows an incorrect collection amount of {$7200.00} and On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted Credit Control Corp, the collection agency, to remove this balance. I provided the EOB as required and still have not had the debt removed. Meanwhile Im under contract to purchase a home and my credit has been damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this particular account numerous times with the credit bureaus and they keep listing it as verified. I have sent debt validation letters and spoke with them via telephone and no avail. I asked for to see contract with my signature and was sent documents unrelated to this. Across the board each of the bureau are not in unison. The entire account is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Reporting company used your report improperly

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 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 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 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. 

15 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Allegiant Capital Recovery LLC
State: MI
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:
Allegiant Capital Recovery Services has violated my federally protected rights under the Fair Debt Collection Practice Act. 
XX/XX/2022 I reached out to Allegiant after receiving an email that says Final Notice when I was only contacted once before and I thought they were different debt collection agency and told them I already satisfied the balance. I spoke with a representative by the name of XXXX who was very rude and used obscene and propane language and gotten frustrated with me asking questions about the account that I have no knowledge of and threatened to report it to the credit reporting agencies if I didn't pay immediately which is a violation under 15 USC 1692e ( 8 ). She said they have little information, no contract only a couple statements and can not provide me with additional documents to verify the account unless I pay because the documents cost to receive them from the creditor. She also told me I know nothing about FDCPA and she can talk rude because she is not customer service. Today XXXX I received a blank contract with no signature that has a totally different balance from what they are collecting on. I am asking this company to Stop All Communication with me unless it pertains to my specified remedy including no communicating with my consumer report as they have threatened. They have failed to provide me with documents including but not limited to a contract binding you and I, and to show you are the holder in due course and that you have a obligation to collect from me. Please check attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: RELIANCE FIRST CAPITAL LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report from all 3 of the major reporting agencies are being pulled by XXXX XXXX   XXXX. Address of the company is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, Phone Number XXXX Per my conversation with them they indicated that Reliance First Capital requested it and they are just the contracted agency and they work for Reliance. I explained to Mr. XXXX XXXX and others from XXXX XXXX XXXX that neither Reliance nor they had my permission to pull my credit report. 

I have had 4 hard inquires now and it is affecting my credit. 

This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 had released California tax liens on my report. As a result of the National Consumer Assistance Plan, both XXXX and XXXX removed the liens in XX/XX/XXXX/XX/XX/XXXX due to lack of identifying information as required by NCAP.When I noticed that Transunion had not removed the liens, I initiated a dispute with them using their web site. They responded that the investigation was complete, and the liens were not removed. They did not claim the required identifying information was present, they just refused to remove the liens.It appears to me Transunion is in violation of the NCAP by refusing to remove these liens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In error, I made a duplicate payment on XX/XX/2022 in the amount of {$340.00}. I noticed my error on XX/XX/2022 and reached out to Barclays using the automated message feature online after logging into my account. I was told that the ACH would not be reversed but I would receive a credit on the next billing cycle. 

A billing cycle has passed and I did not receive the credit as expected. I reached out to Barclays and they told me they had no record of the request. My balance is now - {$340.00} - meaning I have zero amount due and it is obvious that I am owed money by Barclays. Instead of issuing an immediate refund to my account, the account representative I contacted immediately issued a check that would be sent in XXXX business days. This should have been completed when I initially contacted Barclays. 

I have copies of all chat and email transcripts that I can provide for verification of the above. I ended up closing my account with Barclays that I had for many many years because I do not trust them and I am considering reaching out to my state 's attorney general to formally file a complaint as it relates to XXXX. Barclays was extremely deceptive and in my communication with the account representatives it is clear that their practices caused harm to me as I have been without the funds for over 45 days at the time of this complaint. 

I want Barclays to let me know when the check was issued via mail and I would like someone from their management team to contact me so I can further file a formal complaint with their office to ensure this terrible customer interaction is not experienced by other consumers.

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 2017-07-11
Company: EQUIFAX, INC.
State: NC
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:
in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was opened by my spouse in my name without my knowledge or consent. 
Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. 
Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So XXXX keeps putting a XXXX $ bill on my credit as dept, I had this inquiry removed a couple months ago due to it being fraudulent then on XX/XX/20 they put the same dept payment on my credit just used a different collection company and I spoke and told XXXX that I am not responsible for that account and somebody had to use my information I let them know I was a victim of identity thief they said they can not help me I am not responsible for that account or XXXX $ balance I currently do not have or do business with 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 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online

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