BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: WI
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:
Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I took advantage of the offer fro m Capital One to tr ansfer credit card balances over for 0 % interest for a period of time. The first transfer of {$8000.00} was to be interest free until  XX/XX/XXXX  ; and the second transfer of {$4000.00} was to be interest free until  XX/XX/XXXX . You only had to make their " interest saver '' payments to keep the 0 %. In  XX/XX/XXXX ,  Capital One star ted charging full interest on the balance that was to be set at 0 % even though I had made all of the interest saver payments. To do this, they increased the interest saver payment to the full balance knowing that most people are not able to pay. I had planned to pay the entire balance by the deadlines to keep the 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance was due on XXXX, I received a bill from the insurance company on XX/XX/XXXX saying it was still due. So I called Fifth Third Bank to find out what was going on. Well they sent the check to someplace in Missouri not affiliated with my insurance which is XXXX, located in XXXX, MI which is clearly stated on the bill. To make a long story short they assured me they would reissue the check. On XX/XX/XXXX I decided I had better call the insurance company to find out if they had received the payment, they had not. So I TRIED calling several times over several days to get ahold of someone at Fifth Third, always put on hold, twice up to 40 minutes. Noone will answer, so frustrated I went to the local Fifth Third branch in XXXX, IN where I live and talked to the branch manager, XXXX XXXX, who after trying herself to reach someone was not able to do so. She looked me in the eye and swore she would call me back that same day, not tomorrow not next week, that day, and she would not go home until it was resolved, hahaha!!! It is now XX/XX/XXXX, I just got off the phone with my insurance company and the bill still has not been payed, so I made a partial payment so as not to get cancelled by the insurance company ( {$210.00} ) I am at my wits end, I have done everything, I pay my bills on time and for them not to answer the phone and lie straight to my face and not even call me back, I mean what am I supposed to do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: Voss & Klein, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
dear sir a company called " voss and klein '' collection agency has jeopadized my credit report unjustly. a company called " XXXX '' holds me responsible for my brother 's debt. this matter was sent to a debt collection agency name " Voss and klein ''. XXXX did some advertisement for XXXX XXXX XXXX XXXX XXXX '' owned 100 % by my brother ie. XXXX XXXX. I was employed by my brother as a manager at the time of signing of a contract with XXXX. I just signed the contract as a manager would by insistance by my brother and XXXX but the contract clearly shows that the client is XXXX XXXX ie my brother on the contract signed. neither XXXX nor the collection agency ie voss and klein would listen to reason and they keep calling me and fouling up my credit score. Attached is a copy of the contract that clearly says XXXX XXXX is the client. I have complained to consumer affairs, ftc, XXXX, and complained to small claims court. my complaint in the court was dismissed. all other places that I have complained have been fruit less.I understand you are the actual agency to complain against a collection agency at fault. all the information is in the contract. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX my email address is " XXXX '' my phone is 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 2018-04-23
Company: EQUIFAX, 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 status incorrect

Complaint:
Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by XXXX and unfair and unjust lending service and standards. XXXX broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on XXXX 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. XXXX had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. XXXX in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a XXXX student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. XXXX sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by XXXX . XXXX had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. XXXX broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with XXXX . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for XXXX at a 4.5 percent rate. In addition, XXXX XXXX loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I had went to review my credit report and it shows something like a credit card for Sam 's club so I called their number they're saying nothing like that is on their file and I had to file a complaint with the XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My US Department of Education accounts  XXXX  and  XXXX  are currently being rehabilitated by   XXXX   and are on an automatic payment schedule. I do n't know why they are being reported as collection accounts seeing as how all of my documents have been forwarded to the Department of Education and they are well aware of the loan rehabilitation, the account status is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CJA Auto Sales, Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cactus Jacks Auto- I filed a consumer complaint with the Departm ent of Arizona Emissions due to a vehicle that was sold to me and found out through this department that the emissions were not ever done prior to selling me the vehicle and I signed a document when purchasing that this was done. I have attached documents for verification. The balance due that is being reported is definitely inaccurate and when I disputed my credit card company for the down payment of this vehicle the company did not dispute it and I was refunded my down payment. There is a lot of elements in regards to this matter. This car more than likely sold through auction and there was a recovery of the amount due as well. Which I never received any documentation on what had happened to the vehicle after they had taken it back, which is usually the procedure after a car is repossessed. But this car was sold under the pretenses that it legally passed smog and according to the dealer the car could have caught fire if I had continued to drive the vehicle due to electrical tape wrapped around wires .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Caliber Home Loans, Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In  XXXX , we received a  XXXX  for a charged off HELOC. In  XXXX , we received another  XXXX  from a completely different company. We have never received any notification of this until this arrived. I 've attempted multiple times to get resolution, but the company has been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I established this loan in XXXX and have always made my payments through my bank with electronic bill pay. On XX/XX/XXXX, I sent two payments that have never been applied to my account. I have been reported to the credit bureau as being delinquent since XXXX and they harras me continuously even after I have sent them proof of the payment. I have contacted them at least ten times regarding this and each time I am told the supervisor is unavailable and they will call me back and it never happens.

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 2021-03-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
This debt was opened XX/XX/XXXX. Exceeds Statue of Limitations. The Company stated the account was opened XXXX. I never received any paperwork upon me being sued and now my wages are being garnished every week. {$270.00} was garnished XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: PNC Bank N.A.
State: VA
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:
XX/XX/2020 {$12000.00} I contacted PNC Bank numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX with ACCT # XXXX XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
US Bank in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX  LOCKED my XXXX Pension Plan. XXXX  Electronic Deposit XXXX Pension Plan {$2500.00}.
<P/>
Please investigate as the sane " HOLD PATTERN '' has developed involving our Bank account and our daughters separate Bank account ( XXXX XXXX ) at the US Bank in XXXX XXXX Wi.
<P/>
Problem : We treated our family to Dinner at XXXX XXXX my Visa Card and My Wife 's Visa Card were DECLINED! We called the US Bank Main Headquarters and they said that they could n't HELP us at that time ... needless to say we were embarrassed while waiters, waitresses circled us and customers ogled us until we figured out a way to pay the bill in cash!!.
<P/>
We talked to the US Bank Manager on XXXX XXXX ... she said something to the effect, " it was on hold for a short time like ... no big deal '' [ A very SUPERIOR acting Person and Arrogant at the same time ] It is a Big Deal ... We trust the Bank to be professional when we trust them with our hard earned money ... we do n't trust US Bank anymore!! USB needs a better training training program on handling money and interacting with customers!! ... FINANCIAL MISTAKES are unacceptable.
<P/>
It makes me wonder if US Bank is a little short on cash??
<P/>
My wife and I are both XXXX and Elderly ... now we 'll have to travel an extra 20 Miles to do business at a more friendly US Bank .... is this, " Financial Elder Abuse or Racial Abuse ''.??
<P/>
Strike out racial abuse from comment. I was very upset at the time and didnt mean to say that.

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 2019-12-03
Company: Creditors' Service Bureau of Niles, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding referenced file agency number XXXX that part, or all, of the alleged debt is DISPUTED as embezzlement, theft by deception and extortion failing to discharge all debts pursuant to 73rd Congress 1. CHS 46-49 June 5th, 6th 1933. House Joint Resolution 192 Bankruptcy Act of 1933 strictly prohibits the commencement or continuation of any acts to collect on a debt under the Automatic Stay Provision. H.R. 1491 to provide relief in the existing national emergency bankruptcy act. Public Law 1,48 Stat 1, Public Law 10 Chapter 48 Stat 112, Public Law 73-10 40 Stat 411, Trading with the Enemy Act of October 6th, 1917 1917

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this Debt very recently they stated to me if i pay in full they would delete from my credit filed I paid in full and now they stat they don't do that after I already paid the full ammount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Public record information inaccurate

Complaint:
I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a XXXX XXXX XXXX. They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a XXXX XXXX XXXX They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).

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