BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS CREDITOR WAS DELETED AND THEN PLACED BACK ON MY REPORT AS A OPEN ACCOUNT.

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 2022-03-28
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to refinance with XXXX XXXX. I got my house appraised and after many months of their false promises they rejected me. I went back to my bank, Regions. I contacted XXXX XXXX several times by emails and voice mails about refinance or home equity loans. He didnt respond. My credit score was still XXXX. I finally went into the bank and talked to the home equity loan officer. My score was now XXXX. He said I didnt qualify because my score was too low. He had XXXX call me who told me the same. I have been trying to get forbearance or another program to give me relief ever since. Ive made numerous calls, spoken to numerous people, faxed in numerous times, gave permission for them to pull my bank statements, and still nothing has been done!!! I now feel theyre trying to steal my property which is worth almost four times what I owe! Ive been one payment behind since the last stimulus check and cant get ahead because I live on $ 1300/mo, but need {$1700.00} for bills. I shouldve gone to another bank. I need someone to intervene to get Regions to put me on forbearance or another program. They shouldve refinanced or given me a home equity loan when my score was high and I was contacting their loan XXXX. I became XXXX due to XXXX and need 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: LA
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: ENCORE CAPITAL GROUP 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:
I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies MIDLAND CREDIT MANAGEMENT INC Account NumbeXXXX 15 U.S.C 168 s-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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was made aware of a negative account and inquiries today XX/XX/2020 when I was denied from getting a car loan with XXXX XXXX XXXX XXXX. I was denied from getting an auto loan because there is an account with negative payment history on my credit as well as several inquiries ; None of these items belong to me nor did I allow anyone to open this account or make these inquiries on my behalf. I am not affiliated to any of the companies listed on this report nor did I gain anything from this account and inquiries that were made in my name without my permission. I never made any payments or purchases towards this account. I have filed a police report and notified the company regarding this suspicious account.

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 2022-10-26
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: IN
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:
I opened an account with XXXX retail credit. Unfortunately I had caught XXXX literally a month after. XXXX of XXXX. I reached out to XXXX and informed them of my situation as often as I could. I was hospitalized for 3 months and 4 months of XXXX XXXX. They always tried to enroll me in different programs. They are so hard to understand on the phone as it's a major language barrier between them and I. They have stated I changed my number in an email. They have sent me an email that I informed them that I'm in bankruptcy. I am not in any bankruptcy. I call them and said this is incorrect. They advised me them received information from a 3rd party. Then I just recently got a statement in the mail to make a minimum payment due by XX/XX/XXXX for XXXX. 
I disputed this with XXXX, XXXX and Equifax. All 3 credit reporting agencies have different data. This information that XXXX is 100 % inaccurate, false and damaging to my personal credit report and fico score.i have made several attempts to dispute and resolve this matter and I am exhausted. They are reporting that I've been affected by a natural disaster.. They have a noreply email so you can't dispute anything they send. When I call every person has something different to say and there is never a manager there to resolve my complaints and disputes.. but they want my money with no paperwork and or agreement. As you see the account is closed and yet they ask me for a minimum payment. I demand this account be settled as soon as possible and since the credit reporting is so inaccurate it must be deleted immediately as the credit reporting agencies have not properly disputed this account properly or accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
please see case # XXXX and Case # XXXX in Reference to Case # XXXX. I have previously requested that Equifax removed item # XXXX from my credit report. Due to the improper manner and deceitful manner in which this judgment was obtained ( please review previous complaint to your agency submitted on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I have reached out to the credit bureaus of XXXX and XXXX for the account of the Kohls/ CapOne charge card that is listed under me. I have sent numerous validation letters to both credit bureaus and recently on XX/XX/2021. I've sent a letter to XXXX and XXXX about the account that they are penalizing me for hoping they would oblige and acknowledge the errors I sent to them that relate to their account. As of yesterday ( XX/XX/2021 ), I have heard from both credit bureaus XXXX and XXXX stating that the account is to be updated. XXXX received my letter of the account asking to be removed because of lack of information, errors, and missing information, a normal dispute takes up to 30 days for processing. Now XXXX did not process my dispute letter until XX/XX/2021, XXXX got back to me with that dispute letter with results on XX/XX/2021. That was not a proper investigation to me nor the protocol that is stated by law by the Fair credit billing act. The same information that was listed in the letters that had my concerns relating to that account, was not updated nor replace with information that is able to see or provide where the information was gotten from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
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 'm sending this complaint to Equifax on behalf of the XXXX accounts that are suppose to be removed from my credit report as of XXXX XXXX, XXXX XXXX Please see the CFPB XXXX XXXX XXXX. I spoke with XXXX XXXX with the XXXX loans company and he stated that the request has been sent. Equifax is the only credit reporting company that still have these accounts on my report. This accounts are hindering me obtaining any type of credit to establish life after hurricane XXXX. Please see the CFPB XXXX XXXX attachment for my complaint and their response. Please see that i sent a Validation request and that is the reason why i sent the complaint to CFPB because they did not answer my XXXX, but someone signed off on the certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon obtaining my credit file, XXXX was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent XXXX a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response XXXX sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

XXXX then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

XXXX know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I could not get a response after mailing a request in for credit reports ... I tried to do online and it said I had an account it had wrong phone- went to this email Name on file showed XXXX after it closed out- not full hyphenated name!!! Make sure name on file is correct- Experian and XXXX company keeps switching my name to parts of name or account compromised- online, tried account exists already-? In one spot full hyphenated name show!!! If this is legitimate site then information is being changed for my social security number Remove XXXX I called- no record of account under social use appeared on report -Provide name sources -Errors in name reporting Some systems dont hyphenate so I ask them to close name so it wont seem like last is middle name! 
-PLEASE hyphenate my name!! 
-Dealing with odd things - in home, car etc..cyber theft stalking hacking forgery and more. While I use computer., phone and work crazy activity just today also ... 

Did remove XX/XX/XXXX I Do not have 2 credit cards Disputed XXXX loan type and amounts and XXXX XXXXXXXX XXXX XXXX inaccurate the loans amounts increased! 
I am finding out my info is getting mixed up ... I believe a lot of places are getting hacked ... too many scams I never lived in Texas, Ohio, or California.. I am a Michigan resident all my life

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 2016-09-02
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
Discover IT issuing credit cards based on shady predatory lending practices. Issued me a credit card with a 20 % interest rate and a {$7500.00} credit limit on a poor/limited credit history. Only other credit card I had was a few years prior and was only for {$500.00} which defaulted when I lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I wrote to XXXX XXXX XXXX XXXX XXXX XXXX appeal their decision to deny/decline my application for a XXXX XXXX XXXX account. In a letter I recieved from XXXX dated XX/XX/2021, they stated that their decision was based on information found in my Experian credit report. XXXX 's letter stated the following reason XXXX XXXX ) for not approving my application : Delinquency or other derogatory relationship with your bank Insufficient balance in deposit and investment accounts with your bank Too many requests for new credit in the past 2 years One or more accounts are over the credit limit First, my middle XXXX credit score is over XXXX and my gross annual income is over {$270000.00}. XXXX 's own letter stated that my credit score was XXXX. Furthermore, XXXX 's letter states, " scores calculated can range from a low of XXXX to a high of XXXX scores are better. '' I do NOT have any accounts whatsoever in my credit reports, including Experian, that are over the credit limit. In fact, all credit cards under my name are at a XXXX balance with a combined available credit limit exceeding {$89000.00}. Secondly, XXXX 's credit card application does not explicitly state that an applicant must have a balance with XXXX XXXX or that the XXXX XXXX credit card requires a deposit with XXXX XXXX. One entry in my Experian Credit Report listing XXXX XXXX XXXXXXXX was an error reported by Experian XXXX I have never had an auto loan with XXXX XXXX XXXX. Upon receiving XXXX 's letter dated XX/XX/2021, I contacted Experian to dispute this entry, and it has since been removed, see attached. I believe XXXX may be engaging in discriminatory practices in granting or deny credit to certain consumers. I respectfully request that you inquire wit XXXX on my behalf and other applicants with similar profiles. 

Thank you very much for your consideration and attention to this request. 

Sincerely, Consumer

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