BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
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:
OnXX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: FL
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 hard inquiry, XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CIBC BANK USA
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
A request for information under 12 CFR SECTION 1024.36 was made to The PrivateBank and Trust.This QWR is part of Regulation X of the Mortgaging Service Act under RESPA.The following information was requested in regards to the property in question : 1.Copies of every mortgage and Promissory Note since XXXX. 2.Copies of every Change in TERMS AGREEMENT since XXXX. Respondents reply was incomplete and inaccurate. This letter and other relevant information will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: WI
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 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 2022-01-15
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I have been submitting disputes for the past 6 months and the credit compines have not been getting back with me

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 2017-09-11
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:
Once again, Equifax employees are still retaliating against me by putting incorrect information on my report. I received a letter from them. This time they changed my credit card limit to show as {$0.00} when it is in fact {$1000.00}. I believe this was done deliberately, ( as you know, per my past complaints against them ) although they are claiming they verified the information and have updated it. I do n't believe this is true, so what I have done is written a letter to them that I 've already sent off. They should be receiving it in a few days. In this letter I expressed that I would like 3 things.
1. I would like them relay how they verified this information, who gave them the information, and their contact information. 

2. I would like them to list my CORRECT credit limit. 

3. I would like them to send an updated report ( the corrected version that resulted from my last CFPB complaint ) to all companies that requested my report within 6 months. 

Now with these 3 things asked for in written form, I am hoping to find out ( although I severely doubt it ) if XXXX XXXX is giving them incorrect information, or if it is them again purposely adding false information, for proof. 

When they return the information on how the " {$0.00} '' credit limit was verified and who at XXXX XXXX gave them the information, I will be contacting XXXX XXXX and verifying with them also if they gave the information that Equifax is claiming they have. I am alerting the CFPB ahead of time because I have high reason to suspect this is continued harassment by Equifax employees in attempting to sabotage my credit report with errors on multiple occasions. I 've attached two separate reports. The earlier report is confirmation # XXXX which resulted from my last complaint. That should have been the last thing I had to report. It had been corrected. But they have now changed my credit limit to show as {$0.00}. I 've attached that report. I have already called my bank, nothing has changed. It is still {$1000.00}. Either Equifax is giving false information, or XXXX XXXX. I am willing to bet it 's Equifax, but it is apparent that someone is lying, and there will be proof soon. Because I 'm contacting both either way. When they reply, I 'm letting XXXX XXXX know about my CFPB complaints as well so they 'll know what 's been occurring and will be able to confirm that they are not the ones doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I provided documentation, and spoke with supervisor. I was informed by Pro Collect it would take 30 days to remove from my credit profile. Additionally, after repeated efforts with XXXX they too were not will to help.

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 2022-01-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 



By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act 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 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX XXXX XXXX by Spouse XXXX XXXX XXXX and myself XXXX XXXX XXXX XXXX which XXXX XXXX CEO and I am listed as president. Both Individuals had all rights to the bank account and were signers on the account at the date of this incident. 


XXXX XXXX XXXX XXXX XXXX a check # XXXX electronically from XXXX XXXX XXXX XXXX # XXXX into her Bank of America Acct # 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 2017-06-02
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XX/XX/XXXX ,  a letter of dispute was sent to Ocwen 's research department stating that loan payments on the loan had been {$480.00} instead of {$450.00} as per the original loan agreement. This was an overcharge of {$27.00} each month for 135 months amounting to {$3600.00} as of that date. Another letter of dispute  dated  XX/XX/XXXX   was sent to  Ocwen  stating that no payment was due on  XX/XX/XXXX ,  since the amount they said was due, {$600.00}, and the overcharges were considerably more than that amount. Because Ocwen did not furnish any explanation for this discrepancy, no more payments were made on the account.  <P/> As of   XX/XX/XXXX ,  the overcharges and interest on the overcharges amounted to {$6400.00}. At that time,  Ocwen  turned the account over to their attorneys for foreclosure proceedings, even though the missed payments amounted to less than the overcharges and interest on the overcharges.  Ocwen  was notified by certified mail of this fact, but  Ocwen  ignored that letter, and proceeded with the foreclosure.  <P/> When Ocwen initiated the foreclosure proceedings, and proceeded to foreclose on the loan, an attorney was retained by us, and we were advised that fighting the foreclosure would be expensive, and we were advised us to file bankruptcy, which we did.  Ocwen  foreclosed and the property was finally sold at a sheriff 's sale  on  XX/XX/XXXX  We  do not believe this is fair, legal, or acceptable by us. We lost our home, and certainly do not agree that  Ocwen  's action was justified and is certainly not acceptable to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TN
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 Bank, Account # XXXX has violated my rights. 

15 US 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 explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries that I do not recognize or did not authorize appearing on my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX

Company 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 2017-09-11
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:
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 2017-09-11
Company: EQUIFAX, INC.
State: IL
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, a financial data collection service, whom I never gave permission to collect my data, failed to keep that data safe, and has compromised 150 million people 's personal information, including my own. Furthermore, the FREE protection that they have provided in the aftermath of this nightmare, does not go far enough to protect those affected, forcing us to pay for a more secure protection service. How can these people be allowed to collect our data without our permission and then not have enough security in place to protect us. This is unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I opened a Kohls Card and made one purchase on the date I opened it. I never received the card it was sent to XXXX XXXX XXXX, XXXX XXXX California, I reported this to Kohls, who said they would do an investigation and look at video and signatures. I received a letter with the account charges. None of the signatures match the original signature of the day of my first purchase. I just receive a letter dated X/XX/2017. Stating that an investigation was completed and no fraud was found. The signatures do not match, an I have not set foot in a Kohls store after my first purchase. I would like for this investigation to be completed thoroughly. Please look at the signatures! they are not mine they do not match the original when I opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX  LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.

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 2017-09-11
Company: EQUIFAX, INC.
State: IL
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:
This message is in regards to the recent Equifax data breach. According their website, I am a victim in the data breach. It is unfortunate that I never had a choice in whether or not Equifax retained information on me. However, they held extremely sensitive data on me and are completely responsible for its safe-guarding. Equifax has completely failed in this respect on a massive scale. They should be held fully responsible for fixing the situation. The fact the they are offering 12 month free credit monitoring if you sign up with them and waive your right to a class action lawsuit is an absolute slap in the face. Credit monitoring should be free in perpetuity unless new social security numbers are provided. I urge you to please take this very seriously and make an example out of them. Millions of people 's financial security is now at risk. Thank you incredibly for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IL
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 like it, but I edited it a bit more : Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2019 my sears and XXXX credit card statements were being sent to another address. I did not move and i do not know how this happened. I am worried i may be a victim of fraud or identity theft. I would like to know HOW this information was changed

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-04-24
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not owed to UNITED REVENUE CORP by me. At no time have I ever owed any debt to UNITED REVENUE CORP . If this debt was originated with another debtor, it is the responsibility of that debtor to seek payment. To my knowledge the original debtor Texas XXXX XXXX has sold this debt to UNITED REVENUE CORP . If this is for a medical procedure or medical service that has been performed on my behalf, to sell this debt to the UNITED REVENUE CORP is a violation of HIPPA LAWS. And should be removed from my credit report. I have addressed this by disputing this with XXXX, who continues to erroneously report this account as a collection. And to date no satisfactory resolution has been implemented. I am a XXXX Veteran in a fixed income who has been negatively affected financially by the COVID-19 Pandemic. I will need this item removed from my report as it is in violation of my HIPPA rights concerning medically sensitive information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief