BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: IL
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts and inaccurate information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX VERM XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX calls multiple times a day without identifying themselves through the call ( except once today so I finally got the company name but not the agents ), they never state if the call is being recorded agent just repeats dont hang up multiple times without ever moving on from that phrase, like they want you to hang up. Im not sure what they are trying to do, Ive tried to get past the dont hang up phrase but he never moves on. I feel like they are try to get me to fall into a trap, by using evasive tactics and never really speaking with me. Its making me uncomfortable and Im getting the feeling like Im being verbally abused without vulgar language.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: CA
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:
Account # XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my Witten instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I signed a lease and moved out in XXXX of 2020. I left a forwarding address with the front desk on a sticky note ( per their request ) but it was never placed in the system. Fast forward to today, I have a negative remark on my credit in the amount of $ XXXX and now receiving calls daily after inquiring about the debt. When I called the apartment complex, they refuse to assist with removing this debt from their credit agency and getting this remark removed from my credit. I do not mind paying what I owe, but I do not think it is fair to have this mark on my credit when they did not contact me about the debt. For what its worth, when I called in, the front desk did not ask me anything to pull my file. They were able to do so with my phone number which they had in their file and could have contacted me before sending this to collections. When I spoke with the collection agency, they refuse to work with me to get this removed from my credit or even offer some type of settlement. This is my only collection debt on my credit and I would like to get this removed. I've had this issue with this apartment complex and credit agency before and still decided to stay with them and I thoroughly regret it.

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 2016-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Who may concern.. 
Hi..I have more than XXXX CREDIT INQUIRES ON MY CREDIT REPORT! I 'm going crazy! I 'm a single mother of XXXX boys ... I have XXXX XXXX! And this CREDIT INQUIRES ON MY CREDIT REPORT, ARE KILLING ME! I ca n't even rent a Apartment for me and my kids!!!!! I need your help! Please help me?? 
Thank you for your time and support

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE AUTO FINAN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
Opened Capital One Bank account in XXXX, 17 years ago. The last payment made on this account was made on XXXX/XXXX/XXXX, nearly 15 years ago. They continue to report this debt on my credit report even though it is way more than 7 years old, in fact it is twice that old. They appear to be doing this by re-aging the debt. The collection letters now come from " XXXX XXXX XXXX XXXX XXXX '' out of XXXX, XXXX. XXXX calls me daily, 7 days a week numerous times a day from numerous different numbers f ( XXXX from XXXX, XXXX from XXXX, XXXX, XXXX from XXXX XXXX XXXX. ) They even called me from the XXXX area ( a XXXX area code ) at XXXX at night on XXXX XXXX, XXXX. Is n't that against the law? The account # is ****************

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My father received a call from American Coradius International ( ACI ) asking to speak to me. The representative from ACI told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!. 

Anyways, I called ACI and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, XXXX and ACI contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give ACI or XXXX the consent to contact any lawyer at this present time. Also, you will see in the letter that ACI insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: DC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a complaint against Equifax via CFPB, in progress, and the immediately lowered my credit score by XXXX points. They have no basis for doing so, it is very damaging to retaliate against me by dropping my score that drastically because I filed a complaint against them. Proof attached from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX to remove the fraudulent that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-07-23
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid off the mortgage and account is closed but its still listed on my credit report. Id like it disputed and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: TX
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 a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied a auto loan through XXXX XXXX dealership and the dealership told me they were going to run my credit through XXXX XXXX only. The dealership sent my information to other financial companies without my permission. 


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 non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: TX
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATA XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, 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:
I have been trying to get an auto loan removed/deleted off my credit report for months. I've had medical issues, got behind on XXXX payment. I wanted to pay them but they wouldn't wait so I voluntarily gave it back. The auto loan is showing up as a charge off that has a past due balance that increases monthly. I haven't received any type of letters stating a sale or anything. I feel like this auto loan havent properly been investigated and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have several accounts in my Equifax file that does not make any sense im filing a complaint on each one individualy detailing my concern with supporting documentation to back up my complaint. First i will start off with XXXX XXXX this account was a checkin account and went negative in XX/XX/XXXX. It was reported to XXXX and fell off my XXXX report after 5 years. This was never a payment account or credit account it was a bounce check that caused overdrfts fees that exceeded XXXX altho my report reflects positive payment history followed by a charge off in XXXX XXXX. This info is incorect and has been close to 7 years reporting inacurate outdated info. Also this account has been paid in full as of XXXX XXXX it still reflects a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from Equifax but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XX/XX/2017

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