BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: IN
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/2019 I discovered that XXXX XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX XXXX & Equifax remove this from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act,, theres creditor has violated my right under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Credit Corp Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX, XXXX, & XXXX XXXX sent me a letter to try to collect a debt that I owe " XXXX XXXX XXXX, XXXX '' on behalf of XXXX XXXX account number ending in XXXX. I do not have a credit card ending in this number with XXXX XXXX. I do not have any active accounts with XXXX XXXX. I called XXXX XXXX  and they confirmed this as well. XXXX, XXXX, & XXXX XXXX sent me a letter that " You are being Sued '' with a docket No. for the XXXX XXXX XXXX XXXX in XXXX XXXX 

I called XXXX and also confirmed that this synchrony bank account does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Pays my rent monthly, never skipped, and have all evidence at hand. Landlord reported in my transunion credit report that I owe and have past due amount. Dispute file, report did not change. Unable to submit evidence on TransUnion dispute platform. Landlord did something 5 to 6 years ago, took me to court and case could not proceed when their lawyer saw my evidence.

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 2023-09-27
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan transferred from XXXX XXXX to NewRez LLC DBA Shellpoint mortgage on XX/XX/2023. Various transactions were applied upon boarding of the loan with the new servicer that improperly increased the loan balance by a significant amount by misapplying the order of historical payments/paydowns, making improper charges to fees/penalties, and booking payments already taken by the prior servicer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Previous to getting a credit card with Citi Bank, researched best APR. 
Applied online and was approved. 
Later found out that 24 month 0 % APR was not given at application. 
Called Citi Bank when noticed APR being charged. Customer service referred me to look at my user agreement mailed with the card. 
If I wasn't eligible for 0 % APR for 24 months then I should have been told. 

Citi Bank Credit cards

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 2023-04-25
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:
Hello my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title XXXX of the United States Code. 

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The XXXX further regulates the collection, reporting, and use of consumer credit information. 

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the XXXX, which require that credit reporting agencies like your company provide accurate and complete information. 

Additionally, under XXXX XXXX of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA. 

Moreover, the Electronic Fund Transfer Act ( XXXX ) and the Truth in Lending Act ( TILA ), both of which are contained in Title XXXX of the United States Code, provide additional protections to consumers. The XXXX requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the XXXX requires lenders to provide accurate and clear information about the costs and terms of credit. 

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the XXXX and TILA. Failure to do so may result in further legal action and complaints to the CFPB. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We paid an application fee of {$500.00} to start the process. This was not credited to us at closing even though we provided documentation that we had paid for this fee. I have made multiple attempts to contact Amerisave for refund with minimal to no responses. Since this was a purchase transaction I was limited in delaying a closing for fear we may loose the property. The Loan Officer never returned my calls about this, and the closer said they could not do anything about it even though i provided evidence we paid for the fee.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: CO
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : {$45.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Their investigation did not fix an error on your report

Complaint:
Theirs an account that's reporting on my credit report by the name of XXXX and XXXX that do not belong to me it's a fraud account that need to be deleted they are report for a company name 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 2023-04-25
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account. 
MIDLAND CRED Account Number : XXXX If furnisher is unable to provide the original contract and consumer credit application bearing my wet ink signature, I demand this account be DELETE IMMEDIATELY! Pursuant to the FCRA & the FDCPA I respectfully request to be provided proof of this alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting causing damage to my reputation. 

Provide the documentation requested OR delete these items before that time or I WILL FILE FOR LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of this year, I believe it was XX/XX/XXXX, my bank and PayPal accounts were hacked leaving me with {$0.00}. XXXX XXXXXXXX XXXX, where I have been a customer for over 40 years, replaced the money in a timely fashion. PayPal returned only half because " the transaction appeared legitimate. '' Since someone purporting to be from PayPal initiated contact with me and other reasons, I believe that the XXXX fraudsters actually work for PayPal. 

I tried to pay for groceries this week with funds from PayPal and was told by the grocery delivery company I use that PayPal denied payment. 

Today I received an email from " PayPal '' informing me that my payment to " XXXX '' for {$540.00} was successful. I will not go to the PayPal site nor call them because that's how it started initially. 

There's more, but that's the gist of it. Please, please, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I reached out to the company, and followed up on XX/XX/2022 after being ignored. 

On XX/XX/2022 they had 10 days to reply to notice and failed to do so. Failure to provide the aforementioned documentation within 10 days from above date to validate debt constitutes the debt did not exist in the first place. 

I followed up with a letter on XX/XX/2022 to give company estoppel notice noticing their failure to provide proof of claim by XXXX XXXX XXXX Contract Callers INC All letters have been sent certified mail and return sender. The company has failed to comply and have ignored me. 

I have requested the company to show : XXXX. Validation of debt over four months ago. These accounts needs to be removed from my credit report. 

XXXX. Verification of their claim against me ( A sworn affidavit or a hand signed invoice accordance with The uniform Commercial Code XXXX. Copy of Contract signed by both parties. 

XXXX. Provide TRUE CONTRACT, NO PHOTOCOPY. 

This is a breech of my privacy rights and a violation under FCRA codes ( Section 604 15 U.S.C 1681 B, Section 605 A 16 U.S.C 1681 C-1, AND SECTION 605 B 15 U.S.C 1681 C-2.

Please see attachments for letters sent to company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. XXXX XXXX XXXX Bank is not reporting the same account number to all 3 credit bureaus XXXX XXXX XXXX XXXX Bank is not reporting the same Account type to all 3 credit bureaus, XXXX XXXX XXXX Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to XXXX XXXX XXXX Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( XXXX ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: GA
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:
I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-12-04
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: Account information incorrect

Complaint:
I have paid off XXXX XXXX XXXX thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.

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