BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out I was a victim of identity theft back in 2012, because I was going to rent an apartment for the first time, the apartment complex told me that I needed to pay more because I left an apartment in Texas. I did my research and the person who stole my identity was a friend who I used to have. He has been traveling from state to state. He also got some info from my wife. I tried to fix this with the social security department but they told me everything was gon na be ok and no farther changes needed to be done. I still went ahead and filed a police report back in 2012. Back then the issue was only the apartment, later on He got the cap one auto loan under my name and my wifes. I have been trying to fix this issue since I found out about it, but the company not willing to work with me, they only want the money and they dont care what my situation is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Account # XXXX, has violated my rights. 

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

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 2019-10-17
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: Account information incorrect

Complaint:
My Overview My Recommendations1 Accounts Credit Cards Loans Auto Resources TaxFree audit defense Profile & Settings Back to score details Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found no changes to your Equifax credit report. 
Expecting a change that you dont see? Equifax may not have updated your report yet.

Help us improve your experience Was this information helpful?

Yes No XX/XX/XXXX 5 pts to XXXX We found 4 changes to your Equifax credit report.

Balance Decrease XXXX XXXX XXXX XXXX   Balance Decreased by {$57.00} XXXXXXXX XXXX XXXX Balance Decreased by {$96.00} Balance Increase XXXX XXXX XXXX Balance Increased by {$34.00} On-Time Payments XXXX XXXX XXXX 2 Payments Made on Time Hide changes XXXX XXXX No score change We found no changes to your Equifax credit report. 
XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Balance Decrease XXXX XXXX XXXX XXXX Balance Decreased by {$240.00} Hide changes XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Accounts In Collection Removed XXXX  XXXX Account Removed Hide changes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX  XXXX XXXX Balance Owed : {$600.00}

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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax had a breach of security and my most precious personal information was compromised. Equifax was given this information per agreements with my banks and loan providers without my knowledgeprobably mentioned somewhere in those pages and pages of fine print common in every transaction from television purchases to home financing ( XXXX bless capitalism for giving us too much to read! ) Not that I would have a choice either way. Were I to opt-out of this sharing of information, I 'd be less likely to be approved for an apartment, a home or student loan, and even employment, as my credit history would n't be available to those organizations. 

As this is an official record, I 'd like to say that the Equifax executives who let this go on for months and then sold their stocks before acknowledging the breach publicly should be held accountable and sent to federal prison, but they 'll probably just end up working as senior advisors to the president. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THE CREDIT COMPANYS HAVE YET TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME AFTER ASKING FOUR TIMES TO REMOVE THEM MY NEXT STEP IS A COURT ROOM

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 2019-10-17
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a Target credit card for 8 years since XX/XX/XXXX. I understand that TD Bank runs the credit card. I have paid on time, every month, always. Last month on XX/XX/XXXX, I did my online payment ahead of the due date. 2 days later on XX/XX/XXXX, this payment was returned and a returned fee payment of {$28.00} was charged on top of it. I called Target the next day to inquire, and they told me Accounting had not posted the reason for the issue and asked me to call back another day. 

I called again the following week, and was told they could not reverse the fee because THEY were not the ones who charged it, but the bank. They were unsympathetic and I filed a dispute. Afterwards, upon looking through the transaction history, I discovered that somehow, when I was making my normal online payment, an old bank account was selected instead of my current one. I believe that was my old XXXX XXXX XXXX account which I closed a few years ago ; I recognized the last four digits. I did not make this error to my recollection ; I recall selecting my XXXX bank account, which is open and has a healthy balance. Something happened in transit ; one will never know now. 

( As a side bar, I purposely don't do auto-pay with my Target card because of their security breach a few years back. It has been because of loss of trust that I have been painstakingly paying manually every month. ) On XX/XX/XXXX, I got back on the phone with them today and still they told me this error is on ME, so THEY can not do anything - not even issue some kind of credit. They showed appreciation that I've been a loyal customer who has paid on time for 8 years, but they did not explore ANYTHING on my behalf to mitigate this situation. I was at wit 's end, and asked to close my card on the spot. 

I am simply appalled by their lack of ownership and treatment. I don't care about {$28.00}, but I do care about customer experience and breach of a relationship of trust. This was a horrible experience that took more time and energy than I can give. I'd like to warn other users of the Target credit card against potential flaws in their payment system that can result in unexpected fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing is harming consumers and needs to be held accountable. As many other Americans I had PMI as part of my original mortgage and have since paid off the principal to below 75 % and the automatic elimination of PMI at 78 % is written into the mortgage I signed. 5 months later they continue to charge PMI and refuse to correct and say they will get around to it. The customer service rep over the phone said they do this to all customers and she handles calls about this all day so they clearly stealing money from consumers and giving no way around this. Its not a grey area, its black and white and they should be fined for very consumer they have done this to

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 2019-10-17
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I HAVE CONTACTED SPEEDY CASH TO LET THEM KNOW THAT I DID NOT APPLY FOR THIS LON AND IT WAS IDENTITY THEFT A FRAUD ACCOUNT I ASKED HIM TO REMOVE IT FROM MY CREDIT REPORT AND I WAS DISPUTING IT AND THEY'RE REFUSING TO TALK TO ME AND HUNG THE PHONE UP IN MY FACE THEN IN YOUNG MAN ALSO THREATENING OF JAIL TIME IN OTHER LAWFUL PROSECUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I understand I am having financial difficulties and have communicated with mobil loans, now 4 days in a row telling them I will send in a payment soon. Each time I contact them letting them know when I will make a payment, they call immediately after acting like its the first time they are contacting me. I just got a job and they call my phone up to 10 times per day.I spoke with them today at XXXX  and they called again at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Please see the attached narrative complaint and exhibits. This complaint is about unearned fees, unearned interest, and credit reporting all after the consumer canceled the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681. 15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They have violates my rights numerous of times. 15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors 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 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 2022-02-11
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was hacked and gave out all my personal information. If I was n't in danger of identity theft before, I and 145 million other people are now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive been disputing a student loan with Experian & XXXX thats been on my credit report for more than 7 years. I disputed this same student loan through XXXX  and they removed it from my credit report. Experian & XXXX are claiming the information is accurate but, it clearly states the account was closed XX/XX/11 I dont know what else to do at this point

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 2021-08-26
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor NCA has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. This is a clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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 XXXX XXXX account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: UT
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:
After pulling my report, i decided to dispute error/incorrect information on my report to XXXX, and Equifax on XX/XX/2022. its already been 30 days since i sent the first letter of dispute and they have not reached out to me on updated progress/results. The 2nd letter was sent on XX/XX/2022, requesting updated progress/results ; still no response on their end.

Company response to consumer: Closed with explanation