BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
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 status incorrect

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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 status incorrect

Complaint:
To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with XXXX, Equifax and XXXX. XXXX XXXX has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

XXXX, Equifax and XXXX was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXX XXXX  false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: AZ
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 sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AR XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 XXXX XXXX A XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Capital One Bank aided a fraudulent client called XXXX XXXX defraud me of {$2200.00} when he promised buying my timeshares and asked me to wire the amount as closing cost into his account. When I realized it was a scam and contacted my bank to re-call the wire. Capital One informed my Bank they had put a hold on that customers account and that I should complete an Inter-Bank Hold Harmless Agreement and they will send me back my funds but when I did so they only sent me a check of {$680.00} without any explanation. Up till a couple of weeks ago I was never told when I will get the rest of the {$1500.00} back but they rather sent me a letter saying they had close the case. Their resolution of the matter is unacceptable as they have not given details of how the funds held in the said fraudulent account was disbursed. Before I signed the said form I was told by the XXXX representative who was working with me to retrieve my money, through an email that the said fraudulent account had be put on hold and all I needed to do was to sign the form and my funds will be returned to me. But after signing I was sent less than half of the amount sent. I have the right to know how much was in the account when it was put on hold and the details of the disbursement of the funds from the account. I 'm also by this email requesting an investigation into the circumstance that led Capital One to open a checking account for this customer without doing their due diligence under the " Know Your Client '' regulation under the Patriot 's Act. Above all, allowing the said account to receive multiple wires into a personal account that was NOT opened as a cashing business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: MD
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 checked my personal credit report, which I acquired from the three bureaus on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 
I contacted all parties involved, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the following companies who made an inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX, Inquiry date : XXXX XXXX, XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX and the inquiry stated below was unknown to me. The inquiry was pulled without my knowledge. Please be advised that I have sent a letter prior to this complaint yo Equifax. However, there was no changes or response from them. Please correct this matter immediately. 

XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: OK
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 XXXX keeps showing late pays although the information is not verified and they do not show the correct information.

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 2022-02-15
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The 2 accounts with XXXX with account numbers XXXX XXXX*were legally paid in full and are no longer in use. I am not sure of how XXXX process of investigation but they continue to report erroneous status and information about these accounts. Also. they are not showing me the complete payment history of these accounts. Moreover, the accounts was illegally re-aged. A lot of errors.

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 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
in XXXX of XXXX, I suffered and got very ill during the early days of the XXXX. I was not able to make my credit bill for the month of XX/XX/XXXX. During my recovery I was able to call my Capital One, my credit provider and my payment was made later. And all was settled. Or that was what I thought. 
I have been with Capital since XX/XX/XXXX and have never ever missed a payment until I got ill. 

The problem is capital-One reported my one missed payment to the Credit Bureaus and this has placed a serious blemish on my credit that I am currently suffering to rebuild. 

I called Capital One, my my credit card Provider and have pled with then several times. I formally wrote a letter to their Utah Division that is responsible for handling such issues but all I have got is NO. 
Attached is a case number of their { XX/XX/XXXX '' most recent response to me : XXXX My credit has been bad and I am on course to fixing it. I have suffered from paying high interest whenever any lender decides to give me any loan. I can rent an apartment on my own because of my bad credit. 
Now that I am on course to fixing my credit and blemish shown credit right now is destroying me further by keeping the the claws of poverty. 
I have had a credit account with capital One for 2 years and 8 months, the only payment missed was when I was ill. This Illness was due to no fault of mine, so how can I be punished for years to come because of it? How? 
Please, Please, Please!! Help me!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit card was a student card. While I was living on my college campus, all of my information was stolen ; along with the card. When I saw activity on the card that was not mine, I called the bank immediately. I not only had a credit card, but a regular checking and savings account as well. Wells Fargo stated how sorry they were and told me they would do everything they could to help. After numerous attempts and calls, nothing was done. I went and closed all accounts within 30 days of no help. Despite multiple calls informing them of the situation, and false promises, I ended up having to pay almost {$350.00} worth of debt from my checking account because they threatened to send me to collections. All debt owed was due to overdraft fees that I did not cause. Wells Fargo continued to harass me concerning the credit card for months. When sent to collections, they told me if I did not make any type of payment plan, despite my card being stolen and charges owed were not mine, that they would sue me personally for the debt owed. I began to pay the debt monthly for {$50.00}. Around XXXX of 2015 I received a call from Wells Fargo asking to pay the debt in full. I told the representative that I already was paying a monthly payment for debt that I did not cause. She then proceeded to ask how much I was getting in tax returns. I became upset due to the fact that since I was already paying monthly, I felt violated that she was asking about my personal business when I already had a current obligation to pay. After a few months of continuous harassment, I finally asked to speak with a supervisor. I explained to him every detail that happened from the beginning. After stating that I had planned to get my family lawyer involved, and due to all that I had gone through, he informed be the debt would be removed from my credit report. Upon recent investigation into my credit report, Wells Fargo has not removed the collection from any of the credit bureau 's. The account status states, Closed-Derogatory. I previously disputed and the remark states Charged off as bad debt Dispute resolved ; customer disagrees. This was not the original agreement I had with the supervisor.

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 2022-02-15
Company: RockLoans Holdings LLC
State: TN
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 sent an FTC report to XXXX also attached documents, XXXX never responded. I also attached factual errors and they are still reporting the fraudulent accounts on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: IL
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 errors on my credit report with XXXX XXXX, Equifax and XXXX  several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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:
I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about an I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX   XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Revenue Enterprises, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Revenue Enterprises is destroying my credit without giving me time to with out giving me time to reply to the medical dept charged to my name i paid into my whole life to XXXX n XXXX now its worthless and i wasnt given an estimate like it was a car or home contractor unlicensed roofer scam I want justice on this XXXX XXXX brought to yheir knees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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:
I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
The bank charge me an NSF fee then returned the transaction after saying they paid it. when I contacted the bank they told me that it wasn't their problem and returned a portion of the fee telling me that I should try to be more cautious of how I 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 2017-09-08
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I am currently putting fraud alerts on my credit report and am hoping my identity does n't get stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax via certifed mail on X/XX/17, via telephone and by fax requesting removal of an account in which I attempted to contact a collection agency to request validation of a debt via the reporting address that they had listed as a contact address on my credit report. I sent them a certified letter into the EXACT same address they had listed on my credit report and the letter was returned as undeliverable. I mailed and faxed the copy of a the returned envelope with the return yellow label along with a letter requesting the removal of that account due to my understanding of both federal and state laws of reporting that no entity has the authority to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any non compliant information. The reporting collection agency is clearly reporting inaccurate data because they have provided a false contact address toreach them on my Equifax credit report. I have made multiple calls to Equifax requesting removal of the account and they have still neglected to do so. Equifax is in violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid for my home in full on a 20 year note. On the last payment I was told I still owe XXXX dollars. My mortgage was XXXX payments. Principle and interest fixed for 20 years. Now Chase bank never in the time I had them told me of a shortage in my payment amount. They even sent me a check for {$1800.00} dollars in XXXX. No fees on any statement. They claimed I had on my original mortgage an interest rate of 13.7 % day to day interest which I never heard of. Chase NEVER informed me of a shortage in my payments that would make them take the bulk of my principle for their interest portion. Chase benefited by me not knowing that all the principle I was paying was not going where I thought it was going. Chase allowed this money to accrue for 20 years. I requested a copy of my mortgage 3 times. They just ask me to hold on the phone and never come back. I even gave them my cell phone number if we get disconnected. Still no call back. My original mortgage was XX/XX/XXXX, loan maturity XX/XX/XXXX. If this interest rate was as they say, I would have changed it years ago. The interest was crazy. I wanted to pay it off, so I left it. I believed I had a FIXED rate. The bank is trying to extend my payment maturity date. I signed up for 20 years only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with XXXX with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in the month on XX/XX/2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company response to consumer: Closed with explanation