BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-19
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:
Have tried to resolve this matter with Equifax on numerous occasions to no avail, Since I am currently in a lawsuit with XXXX XXXX  for violations of the FDCPA, Equifax Is also liable under the provisions of 15 USC 1692k which is civil liabilities, and are also liable To the same amount as XXXX XXXX  is in this judgment, I have sent a Police Report, UCC 11, Affidavit of Truth, a FTC Identity Theft Report, and letter to Equifax with no response other than this account was validated. Equifax has shown no evidence of this or the method used To validate this alleged Debt, Equifax has ignored the State of Illinoiss Secretary of State Office And the City of XXXX Police Departments document as to this Identity theft report and has Still reported this account as verified accurate which is also a violation of the FDCPA laws of this State, as a Federally protected Consumer, I demand this matter be resolved and also to be compensated by EQUIFAX for this Infraction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, my I received a bill from XXXX XXXX XXXX XXXX XXXX in the amount of {$320.00}. I contacted XXXX and made payment for {$190.00} on XX/XX/XXXX per proof of payment on from my bank statement. I asked for a discount on the bill and XXXX told me that if I paid them right away that they could offer a discount of {$120.00} so I paid them that day and assumed that the account was closed. However, this was just the beginning. In XX/XX/XXXX I client found a home I wished to purchase and my mortgage broker called stating that Radius ( collecting on XXXX {$120.00} ) had inserted a negative item on my credit report and that I would be negatively impacted. It appears that the amount that Radius is attempting to collect and is reporting on is in the amount of the difference for {$130.00}. I now can not buy a home because of this. I'd like both creditors to contact my authorized Represenative to discuss resolving this XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In the past Ive had trouble with the law but I have changed my life and fixed my credit to be a great score, Ive applied for a credit card company which was capital one they approved me for a {$500.00} limit and ive made on time payments and have used the card and have been very responsible. Today XX/XX/2022 I was going to make a payment to my credit card and I was informed that my card was shut down due to me having a federal case open for past actions not relating to any credit cards or financial institutions. Capital one approved me for a credit card while having my federal case open so Im confused why months later they decided to close my card and I havent done anything to have them do that. This is very unfair and illegal, if the credit card company had a problem with it before they should of denied me from when I first applied .This is very devastating and unfair as I am trying to become a changed person and build my future life and for my XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: SC
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:
Experian Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,

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 2017-10-27
Company: Fidelity National Information Services, Inc. (FNIS)
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 requested my ChexSystems report and noticed : 1. My report has 5 different addresses which needs to removed. 
2. My name should be XXXX XXXX XXXX, no other name. 
3. This company has me listed as owing 2 banks : XXXX XXXX XXXX in the amount of {$340.00} and XXXX XXXX for $ XXXX am not aware of either of these accounts.In which they have an address that I 've NEVER resided. 
After being denied by a credit union for checking/savings account, I was informed of these accounts. In which they have an address that I 've NEVER resided. 

I have sent a letter to update all of my information and to remove these accounts from my report, as it is preventing me from opening up bank accounts. 

There has not been any resolution to this issue. 

Please investigate.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX, TRANSUNION LLC, XXXX you 3 credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all XXXX of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX, TRANSUNION LLC, XXXX PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to XXXX. XXXX. XXXX XXXX Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate 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 non-monetary relief
Consumer complaint received 2017-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Three Credit Cards trying to be collected have been prove to be Identity Thief and XXXX, XXXX XXXX and XXXX deleted them in XXXX. Police report, Identity Thief report, copy of Alabama Driver 's License, Social Security card, Birth Certificate and Still USAA are claiming I opened the three credit cards. I do n't even know when the cards were applied for, got or used. I have submitted all this and am still being harass by USAA. USAA has sent this to XXXX XXXX XXXX, XXXX and XXXX. The Credit cards are XXXX {$7400.00}, XXXX {$5100.00} and XXXX {$11000.00}. I had a house guest from XXXX XXXX till XXXX XXXX then I kick her out. In XXXX of XXXX, I XXXX XXXX XXXX was contracted by XXXX XXXX XXXX in XXXX XXXX. Was informed that I owed for three Credit cards. I thought it was a bad joke. I call the police made a report. Submitted to XXXX XXXX XXXX police report, Driver 's License, Social Security number and Birth Certificate. Then in XXXX XXXX contracted by XXXX did the same and sent USAA the same information. Now XXXX and I have filed a Identity Thief Report. XXXX XXXX, XXXX and XXXX all did an investigation then deleted from my credit in XXXX. USAA has received all these reports and still trying to collect on an Identity Thief victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
on XXXX/ 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my aacount, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. 
I immediately check my bank account, then the bank said the check ca n't be verified. 
I ca n't believe the morgens of chase bank made this kind deal with those people, First, the bank shows my check has been deposited successfully. Second, when the theft took my money, chase deny the check the was successfully deposited. 
I really need helps. I 'm still a XXXX, that is a lot of money to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
agent who did not identify themselves but trying to collect under the name of carrington requesting monies owed when discharged in  bankruptcy.would not leave initially kept harassing wanting money. these gestapo tactics will not be tolerated.agent was out of line

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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:
CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, Equifax and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a 1099 reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of  {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by 1099. XXXX XXXX XXXX XXXX abandoned all claims when they charged off the debt and issued the 1099 to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. 

Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX Account Type Credit Card  Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to fix this problem but have had no help! they refuse to provide and fix incorrect 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 2022-03-31
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX, XXXX XXXX, Experian you 3 credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all XXXX of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX, XXXX XXXX, Experian PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to Mont. Admin. R 17.8.1207 Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate 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 non-monetary relief
Consumer complaint received 2021-02-16
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father, XXXX XXXX XXXX of XXXX MD, passed away XX/XX/XXXX. I notified Fulton Bank on XX/XX/XXXX - both the XXXX # who stated I needed to physically go into a branch to inform them of my father 's passing that they did not have a way to flag the account via phone. I advised them I was not local so they provided me with a MD local branch phone # to call. I then called that local branch and had a similar conversation with an individual within a branch informing them that I physically did not live in MD and there was not a Fulton Bank in my area ( SC ), therefore, I could not PHYSICALLY go into a branch. I insisted that I needed my father 's accounts flagged as deceased so that no further activity ( charges, debts, credits, etc. ) could be made. I also faxed a copy of the death certificate to that local branch on XX/XX/XXXX. 

I continue to get collection calls and letters post communicating of his passing. In addition, it appears ( based on a letter from Fulton Bank dated XX/XX/XXXX ) they ( Fulton Bank ) continued to attempt to auto draft payments on which incurred insufficient fund fees.

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 2017-10-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a long time customer ( 7yrs ) of XXXX XXXX XXXX which recently became Huntington Bank. I had two safe deposit boxes. I went into the XXXX office on XXXX XXXX XXXX XXXX, Ohio XXXX on XX/XX/XXXX to make my payment to renew one of my safe deposit boxes. I was assisted by the Teller Supervisor that day. She took the payment for the amount of {$150.00}. The funds were  transferred from my savings account to pay for the renewal of the box I decided to keep. I mistakenly left the key for the box I was closing. The manager told me to bring it back later. I returned to the branch approximately two weeks later with the key. I emptied the box I was closing. I also asked for entry into the box that I paid to keep. Again, The teller supvr assisted me on this day. I handed her the key because she stated that she needed to make sure everything was out of the box. I never handled the key for the closed box again. I have been receiving late notices for the box that I closed. I went to the branch to have a conversation regarding this but was treated badly by one of the Branch Relationship Banker II. She told me that she could see the withdrawal but could not see the money applied to the box. I have taken copies of the receipts ( dropped in the night deposit box ) but still they are denying that the payment was made and they are also accusing me of not returning the key. I have tried numerous times to speak with the Branch Mgr XXXX XXXX but she is not responding to my need for resolution. She leaves messages but does not indicate any resolution. My concern is that they have this bill marked as 90 days late. I miss the courteous and sincere treatment that we were given by XXXX XXXX. This is a simple problem that should have been handled w/n a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 not supplied proof under doctrine of estoppel by salience. Engelhardt v. Gaven ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX Acct # : XXXX Date XXXX : XX/XX/2019 Balance : XXXX Debt is included in identity theft 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 explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: MI
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 changed bank accounts and I had set up automatic payments. Somehow the auto payments didn't take out the first month. I didn't even know, I didn't receive anything in the mail or email. I didn't see anything on my banking show me anything different and I was hit with a 30 day late. I tried working this out with XXXX XXXX and they did not care what the situation was. I have never been late with them before or since. This was a fluke on banking. I have since switched back to my regular bank account and wont be switching account any time soon as this was a mess.

Company response to consumer: Closed with explanation