BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: AZ
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-18
Company: COLLECTECH DIVERSIFIED, INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified today XX/XX/XXXX that I was sent to collections from an agency in XXXX Texas. I canceled and paid off all services in XXXX when I moved XX/XX/XXXX so there are no debts I owe. I was not notified via email, phone, or mail about this alleged debt and do not know where it is from.

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 2022-06-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a delinquent tax notification from my county that my taxes were not paid. Ally Bank asked me to send them a copy, I did so and they said they would make payment and that I wouldn't be liable for the penalty. I see that my tax payment was deducted from my account on XX/XX/2022, but as of today XX/XX/2022, it has not been credited by XXXX XXXX, CA. I spoke to the county last week and they said that they do not have any record of the payment. I have asked Ally to send me a transaction ID or some other proof of the transfer to see if there was some error in the account numbers or something but they keep responding by email that they have made payment and I need to follow-up with the county. I have been trying to get this resolved for 2 weeks now and they are not acknowledging there is a problem.

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 2019-04-11
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a {$250.00}, on my credit report., But it's not my debt. This loan was in my daughters name. Not mine.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking and savings account with Citi to receive the {$400.00} promotion. Per the terms, I had to maintain a total of {$15000.00} combined in checking and savings account, so I deposited {$14000.00} in savings account ( which pays interest ) and {$1.00} in checking account ( which doesn't pay interest ). 

I just received an email from Citi that I did not qualify for the bonus because I didn't maintain the required minimum of {$1500.00} in the checking account. But they just changed the terms to require {$1500.00} in the checking account. When I opened the accounts, there was no minimum, just a combined total of {$15000.00} in both accounts - per their web site and per the customer service rep I spoke with. 

In reading the XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX it is obvious that Citi has cheated other customers in this way ( see comments at the bottom of the page in the link ) Please help me get my {$400.00}.

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 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 had my Capital One credit card for over 10 years and never missed a payment. During the Covid-19 pandemic, I called Capital One and told them I would be late on payments as the Pandemic had cost me my job due to a state-mandated shutdown. Capital Ones response was for me to make any payment I possibly could afford, and if no payment was made that I could send a hardship letter at a later date to have negative items removed from my credit report. 

I complied with Capital Ones request until I contracted the virus in which I was hospitalized and suffered physically for months. Once I recovered I contacted Capital One and was told my account was delinquent and has been closed for nonpayment. Despite our verbal agreement during the Covid-19 pandemic, I also discovered that Capital one reported every late payment to all three credit reporting agencies, and I was told no agreement was noted on my account. 

On XX/XX/XXXX I was told to send a hardship letter to Captial One via mail, I complied, and once again, I received a response letter stating that Capital One does not remove negative items from credit reporting agencies due to hardship. 

Although the account was closed, I have made payments to bring my account current. On a daily basis, I receive harassing phone calls from Capital One trying to collect on a debt that is already set up for a payment plan through Capital One. When I tell the collectors to stop calling me as I have already set up a payment plan, they apologize and assure me that my name with being removed from their collection list, this has turned out to be untrue, as they call me every day with the same empty promises. 

10 years of perfect payment history, on an account that had a credit limit of {$700.00} and minimum payments of {$25.00} per month, and due to a pandemic that was out of my control Capital One deems fit to destroy my credit, all while ignoring Government policys such as the C.A.R.E.S Act which President Trump signed into law on XX/XX/XXXX, this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances, in which I complied. 

While Capital One is a large company with billions backing them, I do not believe this should supersede the well being of their customers, at some point large corporations need to be held accountable and comply with laws and policies set forth to protect people from credit demise during pandemics and other monstrosities, we have no control over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: ENOVA INTERNATIONAL, INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, On XX/XX/XXXX of 2022, three unauthorized transactions were made on my XXXX XXXX  account. A transfer amount of {$54.00}, {$100.00}, and {$100.00} was taken from my amount which I did not do. It was done through remmesa, XXXX XXXX XXXX with the pickup location being called XXXXXXXX XXXX XXXXXXXX. I have just closed my card as of today XX/XX/XXXX but my bank can not do anything until the money is done pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Received a letter from TRANSUNION advising that they " verified '' the information. i am curious as to how you verified information and would like to receive physical documentation to support this erroneous information. 
TRANSUNION has been reporting Unverified and inaccurate information on my credit report which has damaged my credit. 
TRANSUNION is " updating '' or " verifying '' information again without diligence information. i sent 6 round letters still Hasn't seeing any changes while there's multiple errors on my report am asking for this verification because my credit score is important to me and i believe it is being unjustly degraded as a result of unfortunate error.

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 2022-10-06
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: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX all accounts, XXXXXXXX XXXX XXXX  all accounts, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. All accounts has violated my rights according to 15usc1681 602 and 15usc1681 604a .I have a right to privacy and a consumer reporting agency can not furnish my accounts 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 2017-09-09
Company: EQUIFAX, 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:
XXXX XXXX, XXXX - 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. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I went to XXXX and check if I was affected by the Equifax leak XXXX The website says yes and it asked me to enroll in TrustedID. However, according to the Terms of Use at XXXX : XXXX, the arbitration clause states : AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. 

I did not complete the enrollment of TrustedID because of this unethical clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX/XXXX/XXXX an auto loan through Wells Fargo was opened in the amount of XXXX dollars. I was in a rehabilitation center until XXXX/XXXX/XXXX and can provide documentation to prove this auto loan was by no means financed in my name or by me at all. It is a joint account, installment for 72 months and shows paid in full XXXX/XXXX/XXXX. Wells Fargo sent me an email yesterday XXXX/XXXX/XXXX stating millions of dollars have been allotted for individuals that have had an account opened in their name but was in fact fraud or identity related. I have not contacted the company due to it being paid off however with this alarming email from Wells Fargo I want it resolved in a timely manner.

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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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, Dept. Of Education Account # XXXX, XXXX XXXX And XXXX account # XXXX, has violated my rights. 

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 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 2021-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was illegally evicted from the rare apartments, they informed me they lost my paperwork to renew my lease & told me to leave, i left within 3 days within those 3 days they turned my power water and heat off, I have an XXXXyr old. 
My original rent was XXXX $ The property is under new management & they were charging me XXXX $ in rent, I said i wasnt going to pay XXXX So they told me to move out then. 
I was forced to move out of my home i was there for 3 years And now they are charging me XXXX $ for rent when i didnt even live there? 
They said they lost my paperwork? 
So i dont understand why im being charged if i was forced to leave the property. 
Ive called XXXX XXXX XXXX for over 30 days, no one has reached out or called me back because they dont know who i am? So why am i being charged XXXX $??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: MD
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 ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF EDXXXX XXXX  Account # XXXX ; XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; DEPTEDXXXX  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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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 these following accounts have violated my rights Account Name : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section602 A States I have a right to privacy 15 U.S.C 1681 Section604 B 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 explanation
Consumer complaint received 2017-10-01
Company: Risecredit, LLC
State: SC
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:
Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: EQUIFAX, INC.
State: MD
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 Equifax credit report spelled my name incorrectly and had the wrong year for my date of birth. 

These errors were already present several years ago, but I did not become aware of them until my application for a security clearance was rejected last fall. My XXXX and XXXX  credit reports did not have these errors. 

On XX/XX/XXXX, I mailed a Research Request to Equifax with a copy of my driver 's license to authenticate the necessary corrections to my name and date of birth. 

On XX/XX/XXXX I called Equifax, having received no acknowledgment of my request. I was told that my driver 's license was on file but that no action was taken because they required a copy of my Social Security card. 

On XX/XX/XXXX I mailed an updated Research Request to Equifax with copies of my driver 's license and SS card. 

On XX/XX/XXXX ( today ), I received an email inviting me to view Equifax 's " results of your dispute ''. The email was addressed to me using my incorrect name. The authentication pages at Equifax asked four questions that were unanswerable because they referred to loans and credit accounts that I never had. No telephone number was provided, and there was no mention that Equifax would send written confirmation that the errors had been corrected. 

Thus, some of my most fundamental personal information at Equifax -- my name and date of birth -- was erroneously and inexplicably acquired by Equifax. Equifax has been unresponsive and irresponsible in handling my requests for correction. Because the erroneous information is also being used to authenticate my identity, I have no way even to communicate with Equifax directly to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information through poor security practices which has put the majority of adults in this country at risk for credit fraud. Their handling of this breach and the lack of security preparations is disappointing. 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. 

Equifax should be held financially and legally responsible for every account and victim if any fraud occurs. The whole situation happened due to their poor security despite their knowledge that their information is critical to hundreds of millions of people. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation