BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: PA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : SXXXX 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 2022-08-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Professional Finance Company, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a dental debt that have been referred over to Professional Finance Company Inc. - I have filed a complaint to dispute the debt with the Iowa XXXX XXXX and they can take up to six months to complete the investigation. The collections agency said the will be reporting to credit agencies in XXXX which doesn't give enough time to resolve the dispute. I do not want to affect my credit but also do not want to pay and that would be acknowledging the debt. The account number is XXXX. How do I make sure this doesn't get reported to credit score agencies?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: IL
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 am appalled by the inability of the Credit Bureaus to properly investigate my Credit File and remove the disputed fraudulent accounts and information that are still reporting on my Credit File. Again, I was a victim of identity theft and I am submitting this CFPB Complaint as another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. Also, the Credit Bureaus have claimed that the Disputed items are verified and are reporting Accurate information thus they continued reporting the disputed items. However, I never received anything as proof of verification let alone any documents bearing my signature. If the Credit Bureaus continued their erroneous reporting, please understand I will initiate legal countermeasures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX  Bankruptcy Date Filed : XX/XX/2017 Reference # : 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 2023-12-05
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: Information belongs to someone else

Complaint:
last month i walked into XXXX  XXXX XXXX to apply for a mortgage and it turns out i owe them for 2 credit card accounts that where open in my name. I got denied for the mortgage, but i was made aware that i was a victim of identity theft and that i had several fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Around XX/XX/ I decided to take a look at my credit report since it's been a while since I last decided to. And I noticed misinformation/fraudulent information that wasn't associated to me. After that I went calling the companies and to my luck they weren't any help. But to fill out a form and mail it so I did that on XX/XX/ and I assumed that started the dispute process since that's what was now showing on my credit report. So I waited for the about a month or so and got letter from Transunion stating that they did their investigation and that the accounts were removed from my credit report, XXXX needed more information like my ID or passport and my SSN Card and I couldn't provide a new ID because it had my old address on it so I already knew that was going to work since the address on my Driver License was different than the one I was making the claim under, XXXX send me a letter stating that the accounts I disputed were no longer going to be on my credit report. Then around the end of XXXX I was finally able to get my new ID from the DMV so I resent the form and information/Documents they requested another month since I sent that information, so i go check my credit report XXXX had removed the information as they stated but still had misinformation involving personal information, Transunion removed 2 out the 3 accounts and didn't fix any of the misinformation, I didnt get any confirmation letter from XXXX since I sent the documents and they just removed 2 out the 3 and didnt fix the misinformation either so for both the last to its now showing as closed/charge off but is still on my credit and it's effecting my Personal Life/Well-being.

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 2022-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/2022, the auto loan with Capital One Auto Finance that we, XXXX and XXXX XXXX, shared jointly was reported as charged off. This is based on the following set of facts established by the totality of the evidence. 

A. On XX/XX/2022, a call was made by XXXX XXXX to Capital One. ( See Exhibit A ) B. On XX/XX/2022, In the presence of an eyewitness, an Account Resolution Specialist for Capital One agreed to a payment plan that allowed XXXX XXXX to pay XXXX months payment in the amount of {$300.00} and pay the remaining balance on or before XX/XX/2022 and avoid having the account charged off ( See Exhibit B ). 
XXXX On XX/XX/2022, XXXX XXXX paid {$300.00} to Capital One Auto Finance ( See Exhibit C ) XXXX On XX/XX/2022, XXXX XXXX paid {$540.00} to Capital One Auto Finance. ( See Exhibit D ) XXXX On XX/XX/2022, the same day the payment was made, Capital One Auto Finance erroneously reported the account as charged off. ( See Exhibit E )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
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 am writing about XXXX XXXX XXXX  inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus XXXX, XXXX, and Experian for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing about XXXX XXXX XXXX inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus XXXX, TransUnion, and XXXX for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.

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 2022-09-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX, Equifax and XXXX If failed to identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX 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 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 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Rent Recovery Solutions
State: NC
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 filed a complaint here using this service a few day ago and the company Rent recovery solutions responded quickly with the statement essentially saying they had ordered my credit file they reported wrong be removed from the credit bureaus but thus far it has not been done. 

This company is known for violations and will unlikely obey the law Ive learned through research. 

Please begin a new complaint with regards to rent recovery and XXXX XXXX XXXX, and please make note that rent recovery solutions should be held in contempt. 

Im including the file Pic if there submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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 OFFICE OF THE ATTY GEN # XXXX, has violated my rights. 

Under 15 U.S.C 1681 e ( b ) and 15 U.S.C 1681i ( 5 ) this account is in violation not reporting 100 % accurate, it list that child support agency as a furnisher that illegal and its forgery. Its misleading when the courts doesnt report this type of account. Its also in violation of permissible purposes, I havent given anyone direct or written consent to report this account on my credit report which is also another federal law violation. I demand for this account to removed from my credit report immediately. 

In accordance with the Fair Credit Reporting actXX/XX/XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act US DEPT ED # XXXX, #, has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/XXXX # 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 2022-07-30
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For some reason I have been scammed on XXXX from my account with US bank. I have 5 fraud charges two XXXX, one XXXX dollars, one XXXX, one XXXX, one XXXX I have no idea of those charges I called and dispute them with my bank they keep playing it doesn't matter what I tell them still not getting my money back. My account been compromise I need help getting those charges back.

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 2022-09-27
Company: CURO Intermediate Holdings
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 status incorrect

Complaint:
You are reporting this collection as an " open account '' which is not under FCRA compliance This is inaccurate reporting and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at approximately XXXX XXXX I was speaking with my wife XXXX on the phone when we both received a text message from XXXX stating " XXXX : Wells Fargo Bank A Decline for {$320.00} At XXXX, TX, If Valid Reply YES, If Not No To Opt Out, STOP. '' I then received XXXX back to back phone calls from XXXX. Thinking this could be a legit fraud alert I got off the phone with XXXX to answer. I was told there was a attempt to use our Wells Fargo business card both at the XXXX listed above as well as at a gas station in XXXX. I told them that we did not initiate these transactions. 
They proceeded to tell me they would go forth cancelling the card and send for a new one, the whole time reassuring that we were on a recorded line. They proceeded to state the card number including address and security code. They had all the information to the credit card as well as our home address. I did not give them any information. They proceeded to confirm type of shipment method and reassured that they didn't need any personal information and that Wells Fargo would not ask for this. They needed to confirm the cancellation of the card by sending me a confirmation text with a code that I was to give them. I questioned this but was told this was normal and part of the process so I obliged. A few days later I checked the Wells Fargo account and saw that XXXX separate {$1000.00} money transfer transactions had been processed " Current Account Funding XXXX XXXX  NY ''. I have since reported this to Wells Fargo in addition to filing this police report. This was all part of Wells Fargo business checking account. Business account holder name XXXX XXXX XXXX. 
XXXX to XX/XX/2023. Another call was made to Wells Fargo after we were told in XX/XX/2023 that the claim was re-opened. After multiple calls and long wait times we were told that the claim had never been re-opened. The bank also sent us a code and asked us to read it back to verify we were the correct person. This is the exact method the fraud criminals used.

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 2022-12-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On XX/XX/22 I purchased a refrigerator and an electric stove at XXXX to be delivered at my property ( for a fee ), and I opted to pay {$80.00} to haul away the old appliances. They delivered the 2 appliances on XX/XX/22 but didnt haul away the old appliances because of roaches. I contacted XXXX XXXX costumer services on XX/XX/22 to request the {$80.00} refund to my credit card and was offered a gift certificate of instead. I refused because I can only use at XXXX XXXX and I dont have anything there anytime soon. Then they said I had to go in person to the store and show my credit card in order to receive the {$80.00} refund. I believe this practice is unfair and abusive and would like help to make it right. Thanks.

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 2022-09-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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:
Citibank Credit Card Money withdrawal from Atm machine and unauthorized transactions, with the credit card in my possession. Dispute department, did not help to recover fraudulent charges. Ended result with phone hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Veros Credit, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
was approved for auto loan and never recieved the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation