BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
On the Dates listed below the following companies obtained a copy of my credit report without my consent 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 2023-12-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I trust this communication finds you with a sense of urgency commensurate with the gravity of the matter at hand. I am XXXX XXXX, and I am writing to you with profound distress regarding alarming inaccuracies entrenched in my credit report. I have recently submitted a formal complaint to Equifax, a prominent consumer reporting agency, detailing the egregious discrepancies provided below 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  These inaccuracies not only cast a dark shadow over my financial stability, particularly in my pursuit of securing a home loan, but they also represent a blatant violation of my rights safeguarded by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681C-2 ( A ) and 15 USC 1681b ( 2 ).

Allow me to underscore the critical legal provisions anchoring my dispute : 15 USC 1681C-2 ( A ) : This section expressly mandates consumer reporting agencies to conduct a meticulous reinvestigation of disputed information within 30 days of receiving notice.

15 USC 1681b ( 2 ) : This provision restricts the disclosure of consumer reports without the consumer 's consent and establishes the legal foundation for my expectation of accurate and verified information in my credit report.

The persistent existence of these inaccuracies, in stark violation of the FCRA timelines, constitutes a direct infringement of my consumer rights. I want to bring to your attention the Metro 2 compliance standards, which mandate accurate and timely reporting of consumer credit information. The blatant disregard for Metro 2 compliance in this case further intensifies the severity of the situation.

I have explicitly demanded Equifax rectify these inaccuracies within a four-day timeframe, as mandated by the FCRA and Metro 2 compliance standards. Failure to adhere to these guidelines will be considered a severe violation of federal law, encompassing identity theft and fraud. I am compelled to seek your immediate intervention to ensure Equifax takes swift and decisive corrective measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They contacted me by phone, XXXX. Tried to scare me that they worked garnish wages, take our assets, go to jail, be sued. Then after I asked them not to call anymore, it email, I sent them a crease and desist in contacting me, along with my spouse, as it was starting to become a harassment, multiple calls and multiple people staying they would do all the above even after i told them we don't have it. They kept contacting me. I tired to work with the prior credit card company but we just didn't have it with XXXX  and 1 person working, even with the hardship. Then with the debt collector i tried to tell them the same thing. 
But they didn't want to work it out, they wanted it all. They called many of multiple times. And our home. I don't have specific days but I'm sure that we could get at & t wireless to give us a copy of our call list and you'll be able to see all their calls. They are taking us to a court mediation. But I've got proof that I sent them a fax to cease and desist calling or contacting, and sent them a debt validation letter that went past the 20 days of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE CANCELLED XXXX XXXX WAS SWEPT INTO AND SOLD OFF TO A THIRD PARTY COLLECTOR. THIS DISPUTED OBLIGATION WAS PAID OFF IN XXXX XXXX XXXX 

I HAVE TRIED SEVERAL TIMES SINCE XXXX AND TWICE IN THE MONTH OF XXXX TO HAVE THIS DISPUTED DEBT UPDATED TO PAID IN FULL. 

BANK STATEMENT SHOWS THE PAYMENT AND THE THIRD PARTY CREDITOR RECEIPT, NO RESPONSE FROM XXXX OR TRANSUNION. THE DISPUTED LOAN HAS A 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 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/ tried to pay off my entire balance and it said an error occurred. This is the second card this day that it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I only received a response saying that the account was verified as mine

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 2023-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Presons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-07
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Approximately for 3 years, Wells Fargo has been notifying me by text via my gmail account about fraud charges, overdrafts and miscellaneous notifications. The problem is that it is not my debit card. Most recent notification was XX/XX/XXXX about 3 transactions either fraud or approved. All for debit card ending in XXXX. Previous Fraud notification XX/XX/XXXX, XX/XX/XXXX and so on. I deleted the rest. 

When I call they want the whole debit card number but I don't have it. My gmail account is XXXX. I do have accounts with Wells Fargo but not this one. They do have my text information correct on my accounts. XXXX. I keep the gmail account for my phone. FYI : there is another XXXX XXXX in Minnesota that I know of but don't know. I want these notifications corrected as it is disturbing. 

As stated previously, I have called repeatedly and have actually went in person to the bank. Always told for security reasons, they can't help me because I don't have the full debit number.

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 2023-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On multiple recorded phone calls, latest being XXXX they verified my credit protection end XXXX but in my attachment it shows their last payment was in XXXX. In asking they pay all late fees and payments back dated to XXXX until now IMMEDIATELY. AND reported to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -XXXX -- -- - XXXX FIN XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-10-01
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX I can't recall what I spent {$280.00} on. This is my wifes card and it was only viewed by her. It would be nice to find out what I bought. 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 explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX  will still not update the credit reports. 
I am doing a transfer and the new lender can't get the correct info off the website for experian or other as they won't update paid off accounts,. 

XXXX XXXX, XXXX XXXX and XXXX online.

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 2023-10-07
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to dispute the accounts/inquiries that are fraudulent with all three major credit bureaus ( XXXX, Equifax, and XXXX ) XXXX They would not remove some accounts. I filed a report for Identity Fraud which I didnt know was possible until I spoke to a local Police Officer. I have multiple accounts with varying amounts. One is a XXXX XXXX card that Is reporting {$1300.00}. Then there are two collection accounts that were removed from XXXX but not the others. Those are XXXX XXXX XXXX at {$120.00} and XXXX XXXX at {$140.00}. None of these accounts belong to me and yet they refuse to remove these ALONG with inquiries that were disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of XXXX XXXX XXXX. I will be filing a suit against XXXX XXXX XXXX for willful and negligent violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 non-monetary relief
Consumer complaint received 2017-08-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In late XXXX of 2017 I paid a Principal Payment to my Line of Credit account at my former bank Santander in the sum of $ XXXX.I then received a letter from the bank that I was forced to pay a late fee of {$69.00} for not making the regular payment. For more than 6 months up till XXXX XXXX of 2017 I paid my bill in Principal.I was angry and infuriated at Santander and their predatory practices not only I paid them {$70.00} I paid an additional {$21.00} to cover the fine which made no sense.

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