BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went on to Transunion 's website last XX/XX/17 to freeze my credit due to the data breach ( equifax ). I paid a one time {$10.00} credit freeze fee and gave my credit card #. I now see that they are monthly charging me {$19.00} on this credit card for credit monitoring. When I called and told them I did not sign up for said service they said I did and refused to refund money. I went into my emails and saw that they provided me with an email receipt for the {$10.00} fee, but not for the other service. When I called them back to mention this, they eventually agreed to refund me only XX/XX/XXXX and XX/XX/XXXX. My guess is that they are automatically signing people up when they freeze their credit. They said I signed up because I made an account with them, but to put on a credit freeze I had to set up an account. I believe your office needs to investigate this.

*I see on your website now that they had already paid fines on this type of deception just last year. Well, they are at it again it seems.

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 monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX ( ALL ACCOUNTS ) 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 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 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been trying to dispute fraudulent information that I noticed have been reported on my credit report by XXXX. Several months back I had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CORELOGIC INC
State: GA
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:
Credco Please see attached letter in response to your letter dated XX/XX/2021.

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 2019-12-18
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.

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 2019-11-19
Company: Experian Information Solutions 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:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Expedian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2021-05-23
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
i never got a loan from discover student loans i never went to school in the usa so no need to get a loan discover student loan is reporting incorrect and wrong information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On Friday XX/XX/2019 at approximately XXXX I noticed that my Venmo account was frozen. I have a Venmo debit card which I use for cash back rewards and to deposit my income from XXXX and XXXX. However when I emailed the company regarding my frozen account they explained to me that I have no access to my funds and they will not explain why they are denying me my money. I have no way to transfer my money out of the account. I have done nothing illegally or used my funds for anything against their policy. I had {$250.00} in my account and now I only have {$100.00}. Meaning, half of my funds are missing and the funds that I do have in there are unattainable with no valid explanation as to why I can not access my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I faxed a Multiple Inquiry Removal Letter on XX/XX/2017 in order to dispute information in regards to XXXX hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX, that was being reported on my credit report. I received confirmation that they received my letter via fax at XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and when I called to follow up, I was given the response, which was " inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I was told this over the phone, clearly tells me thatthere was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In response to Wells Fargo Dealer Services, the company is still charging me for warranty amount attached to my monthly payment each month since the warranty was refunded at {$1800.00}. or so. This is the illegal part of the matter. 

There is still money due.

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 2017-04-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I disputed an item due to cancelling and never receiving merchandise, Wells fargo took the word of the merchant that I did n't cancel so they reversed the credit. I felt this was unfair having being charged XXXX for something that I never received and was told would be cancelled and no further shipments. Wells Fargo wont reopen its investigation and says I did n't cancel, why would I lie? this is a large bank just bullying the little guy

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 2019-12-18
Company: Admin Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa XXXX XXXX, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to Admin Recovery LLC. I called Admin Recovery LLC and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/2019, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at XXXX XXXX  - Mr. XXXX told me all the time that Visa XXXX XXXX  never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by XXXX XXXX  XXXX  that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/2019. Again same answer, nobody can help me because my debt was sold to Admin Recovery LLC. The same day I called Admin Recovery LLC and samething Mr. XXXX will not take my calls since back in XXXX. Never returned any messages since XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/2019, Mr. XXXX took the call and told me that XXXX XXXX  XXXX  gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.

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 2017-04-15
Company: EOS Holdings, Inc.
State: AP
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Before leaving XXXX, VA per my military order to XXXX, XXXX on XX/XX/2014, I personally and physically stopped by a XXXX Authorized store on XXXX, to present my military order and to deactivate my wireless services by XX/XX/2014. The answer I got at that time from XXXX that my wireless services will be put on " HOLD, '' until I come back XXXX, without any penalty nor charges. 
However, I sadly saw a collection account on my credit report under EOS CCA with a balance of {$990.00}. 
I am an XXXX XXXX XXXX XXXX, XXXX in XXXX, so the best communication is via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
State of Alabama reporting a erronous amount of money due from a $ XXXX/mo child support payment from XX/XX/XXXX where in XX/XX/XXXX I paid a {$7000.00} lump sum payment to avoid jail time. This debt amount is incorrect, it is over 10 years old, it was removed from my credit report before. Under the Fair Credit Reporting Act this is in violation on my equal rights. I did not borrow any month from the The State of Alabama for payments to my ex-wife and my daughter is XXXX years old. As stated I have contacted Equifax in which The State of Alabama verified before the debt should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Merchants and Medical Credit Corporation, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Merchants and Medical Credit is has continuously attempted to collect one 2 debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on one of the accounts by {$1.00} ( from {$440.00} to {$440.00} ) and listed them both as closed collection accounts. The following week, the accounts are listed as open collections with the balance on one being decreased by {$1.00} ( {$440.00} to {$440.00} ). In doing so, my credit score was further damaged. Photos are attached as proof that you changed the balance due. 
On XX/XX/2017, Merchants and Medical replied to a complaint filed with CFPB. They state that the alleged debt was for medical treatment for a minor child. They said that they will send an itemized bill that they just received. If the bill was just received, how could all of my previous disputes come back as verified if they are just now receiving the bill. 
Merchants and Medical Credit has failed on numerous occasions to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
So I have spoken with the debt collector in the past but am unable to pay on it. They have since reported a debt that is over 7 years old on my credit as a new debt. It is showing that it was opened in XXXX of 2019 on my credit report which is not the case.

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 2017-06-01
Company: Trans National Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Found debt listed on credit report. Sent letter stating letter to creditor listed that the debt was being disputed and validation is requested. Company sent back letter but did not receive the proper debt verification. The company listed original creditor but not amount Stated that they verified with original creditor via secured email and/or retrieval of original documentation but did not send to me. Stated that their verification process determined their debt information and final sum due as being correctly reported to them. Stated that information would remain reported to   XXXX   despite the debt was being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is reporting income on my consumer report. I have not given written consent nor do I agree with reporting a charged off account that should be excluded from my consumer report pursuant 15 usc 1681a ( 2 ) ( A ) ( I ) of the Fair Credit Reporting Act. I am requesting to see a 1099C due to reporting a billing error of a charged off account. 
Delete immediately or you will be civilly liable pursuant liable for damages caused by your credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have disputed several items on my trans union report back in XX/XX/XXXX, One dispute was pertaining to XXXX XXXX XXXX # XXXX who reported regarding a debt with XXXX XXXX ( Utility Company here in XXXX ). I initially disputed this debt with national grid due to that fact that they reinstated a charges for service from XXXX, and added to a current bill XXXX. XXXX is legitimate. 

The second is XXXX XXXX XXXX # XXXX as it relates to XXXX XXXX, have a balance XXXX. This is not my debt. 

the Third one is XXXX XXXX XXXX as it relates to XXXX XXXX in the amount of XXXX. This is not my debt.

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 2017-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, I submitted a request for deletion of multiple inquiries online on XX/XX/2017 to dispute information, in regards to XXXX hard inquiries, incorrect addresses and collections that were being reported on my credit report. They would not begin the request until I submitted a copy of my DL and SS cards. I faxed the information on XX/XX/2017. They completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my personal documents needed to begin the investigation, one can assume that there was no investigation into the matter. I plan to purchase a vehicle this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed several medical collections with Optimum Outcomes that are on my credit reports and they have remained on my credit reports with all XXXX bureaus. They have not been verified.

Company response to consumer: Closed with explanation