BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am making this complaint on my own without a credit repair company or any other third party services. Please see attached documents for more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a Capital One credit card for many years. The card was originally with XXXX and was then transferred to Capital One a couple of years ago. OnXX/XX/XXXXI paid off my balance in full. On XX/XX/XXXXI was charged interest in the amount of {$2.00}. I called Capital One multiple times and was told the {$2.00} could not be credited because the card balance had not been XXXX for the past 2 months. They informed me that I should have called them prior to paying the balance off to get a payoff quote. This card is not a loan or line of credit account. I have never been told in the past that this is how the card works. I have never heard of a credit card being set up this way and don't think this is a valid practice they should be using. After several calls and requests for supervisors I was able to get someone to credit me the interest after telling them I would be reaching out to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX  XXXX / {$9400.00} / XX/XX/2022 XXXX XXXX / {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX  {$9400.00} / XX/XX/2022 XXXX XXXX XXXX {$3200.00} / XX/XX/2022 XXXX / {$1200.00} / XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX a purchase was made with my cash app card, for {$1000.00} at liquidators XXXX. I tried reaching out to Cash App for 2 weeks straight calling and receiving due to covid-19 we have reduced staff. Finally weeks later they responded to email saying I needed a police report. I called XXXX Police Dept. 3 times to be told I would receive a call from an investigator. At no point has Cash App offered to help me in anyway or credit my account while they investigate. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax, XXXX and XXXX have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive never been or even heard of XXXX XXXX XXXX XXXXXXXX. I have had XXXX or anything and I never received any bill or anything. I do not owe them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: NATIONWIDE ACCEPTANCE LLC
State: ID
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:
Upon receiving a credit denial letter from  Nationwide Northwest LLC I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for  " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  XXXX . They responded to my letter stating that they received an electronic application from  XXXX   XXXX , and despite me not applying for credit with this company, and  Nationwide Northwest LLC not providing any evidence or documentation that I did in  fact provide authorization to have my consumer report pulled they are refusing to remove the inquiry.     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws.  I have asked that this unauthorized inquiry be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: BANKMOBILE TECHNOLOGIES, INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Upon receiving an unsolicited email message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I set the attached request to XXXX XXXX  to opt out my account from sharing my information with the company 's affiliates and third parties as well as from marketing communications. 

XXXX XXXXXXXX XXXX initial response had incorrect instructions and to my subsequent messages requesting to op out my account and indicating that the instructions provided to me were inaccurate I received no response in more than two weeks.

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 2017-06-08
Company: Glass Mountain Capital, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon a credit check review for a mortgage qualification I was made aware of a collection account for   XXXX   XXXX   XXXX   in the amount of {$1100.00}. I contacted   XXXX   XXXX   XXXX   to get more information and was transferred to Glass Mountain Capital Collection. The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX   who sold it to   XXXX   XXXX   XXXX   which hired Glass Mountain Capital Collection. I told both Glass Mountain Capital &   XXXX   XXXX   XXXX   that I never purchased or did business with  XXXX  and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
M & T Bank ad ded {$2100.00} to the pay-off amount because they said the request for the pay-off was within 60 days.     The truth is there were several requests for pay-off over the 2 years my property was place into foreclosure b y M & T Bank. These requests were made to M & T Bank an d  XXXX   XXXX   XXXX    XXXX   ( the serv icer of my mortgage ). There were several discussions between  XXXX  and I about selling the property as a short sale and other options. These discussions included requesting and obtaining pay-off amounts.     It is mean spirited and advantageous f or M & T to c harge me {$2100.00} to issue a pay-off letter when for over 2 years the property was in foreclosure and  XXXX  was assisting in selling it.     Thank you,  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 monetary relief
Consumer complaint received 2017-04-25
Company: BARCLAYS BANK DELAWARE
State: TX
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: Problem with personal statement of dispute

Complaint:
I am a scam and Identity theft victim. In   XXXX   XXXX     two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA office.  There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six  people that I know who have filed police reports on these  two  and we are all working together toward getting justice.     Now, I have disputed the charges on th e Barclaycard.  THESE CHARGES ARE FRAUDULENT.      XXXX   XXXX   AKA   XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX  applied for several account and auto loans without my permission. Barclay is one of those account that they opened up without my permission.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX   ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. I suggest you take a look at their  XXXX  and see what they have been doing. Plus I am providing some picture from the  XXXX . Note the pictures are dated prior to scamming me, so they have been doing this a long time.     The credit bureaus have removed the accounts. Now I request that  Barclay  remove all fraudulent charges.     I am providing some additional information.     Check out the  XXXX  page. Scroll down all the way down. https :  XXXX  They boast about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away now.     PS : I can provide witnesses and their police report upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.

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 2021-11-20
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is exasperating and plays the attorney games like the politicians in XXXX. After XXXX years, Experian has yet to give me a direct answer why they accessed my credit report on XX/XX/2017 without permissible permission and forwarded my report to XXXX XXXX XXXX XXXX. Experian passes the buck to a dead end or ignores or by labeling complaints as duplicate or giving a very nice and sweet reply that says and does nothing. Experian is a large profitable company but yet a troubled teenage child who can't speak direct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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

15 USC1681 Section 604A Section 2 : It also States a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My son was in  XXXX   XXXX  working and got a ticket. The truck he was driving was in my name. I have paid the {$90.00} fine and will mail in the morning. The company is Transworld Systems Inc that has been hired to collect this balance. I am  XXXX   years old an d just retired after working 52 years. I feel I have earned the right to be talked to respectfully. I would like for the young lady to be reprimanded that was so rude and disrespectful to me when she called. I have a  credit score  of  XXXX  and pay my obligations and have my entire life. I look forward to an apology at least.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  cell  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Bread Financial Holdings, Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Mobiloans, LLC
State: AL
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was affected by Transunion inquiry issue. They reported inquiries on my credit report which should not be there. I have spoke to the customer rep and they were not able to help. I would like these inquiries removed from my credit report.       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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I RECEIVED A LETTER ABOUT FROM MIDLAND CREDIT MANAGEMENT INC, ABOUT A ACCOUNT I DO NOT RECOGNIZE XXXX XXXX XXXX XXXX. I HAVE NEVER DONE BUSINESS WITH MIDLAND CREDIT MANAGEMENT INC AND I DONT RECALL HAVING ANY ACCOUNT OR LINE OF CREDIT WITH THEM. THIS IS A FRAUDULENT ACCOUNT THAT I HAVE REPORTED TO XXXX POLICE DEPT. AND CFPB Case No. XXXX  XXXX  XXXX The account is a violation of 1319.12 O.R.C Taking Assignment of Debt.The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bilXXXX, or other evidence of indebtedness with the collection agency. I need this fraudulent account deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: U.S. BANCORP
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've disputed alot of different errors on my credit reports including company Elan Financial which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also XXXX has been reporting late payments on my XXXX  report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.

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 2021-11-20
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation