BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: GA
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 my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXXXXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2017-06-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First letter was s ent  XXXX 2017 Thi s letter is regarding account #  XXXX , which you claim WAS CHARGED OFF {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you.    I received a letter back  on   XXXX  2017 stating that they  have enclosed account summary which provided verification. Verification of they debt is not valid, which only had My current address, the account information, and who they acquired it from.   I followed up with a second letter  on  XXXX 2017 re questing for proof. I then received a letter back from them   XXXX 2017 s aying they are not willing to corporate.   The company 's name and address Resurgent Capital Services,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ,  SC  XXXX  Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter fro m Southern Finance i n  XXXX  stating that I owe  XXXX  for medical bills. I sent a money order for {$50.00} in  XXXX  so I could start paying toward the balance. I received a phone a rude call today from  XXXX  at  Southern Finance,  after I would n't respond to her rude phone call she hung up, and it resulted in me talking to her boss. He stated that I had balance of over  XXXX  and I could n't pay {$50.00} but I had to pay {$100.00}. I told him that a payment arrangement was not arrange so I started paying {$50.00} per month and he said well you need to pay {$100.00}. I repeated that I will only pay {$50.00} and he stated well I will sue you in court. I have also asked them not to call me but they can contact me via letter and they continue to call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: OH
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 sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: VA
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 privacy.

15 U.S.C 1681 section 602 A. States 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One is blocking me from enabling external applications. A representative told me over the phone that they do not consider XXXX  to be a trusted site and therefore will not enable me to allow them to connect securely ( https ) to my business bank account. 

I have the right to access my financial data. Please make CapitalOne allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Two of the last three months we have paid additional principal payments which were not recorded. In XXXX I contacted them and the next day I got am email that I was correct and how would I like to handle it.I responded to the email to call me and I would authorize payment. I never received a response. The two months in question are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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:
I have contacted the credit bureaus and I have filed a dispute numerous times on fraudulent accounts on my credit file! I have also submitted and FTC report on these accounts! XXXX completed my dispute on XXXX and the dispute # XXXX. The did NOT removed these accounts. I called XXXX on XX/XX/29 and spoke to someone in the fraud department who advise the creditor DO NOT have to provide any proof to say the accounts are validated. They also mention they DO NOT have to follow the FCRA guidelines! The credit bureaus are NOT following their guideline per the FCRA to validate a debt or remove the accounts. They are also not responding in a timely manner. I have ask these bureaus numerous of times to validate this debt is mine and they mention they dont have to and it is my job to validate the debt with the creditor. I also have a recording of the fraud representative from experian telling me this but I cant upload the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original cred itor is GE Capital Bank. I  had  a Gap a nd  Old Navy Store c ard with them. I got behind on both accounts. They were both charged off.They were also both bought by  XXXX   XXXX . I got a notice from  XXXX  recovery o n   XXXX   XXXX   XXXX  . I settl ed out for both of the debts. ( Gap- {$300.00}  ) and ( Old Navy- {$3 00 .00} ). Th ey both was settled after the charge off. However, i never received my requested letter that the debt was paid and they never reported differently on my credit report. I have a collection account with them now with minimum information. I would like both debts removed from all  XXXX  credit bureaus due to violations of the Fair Debt Collection Practices Act and Violation of the Fair Credit Reporting Act. They are reporting different high balances on my reports. This is wrong. They also are not showing the full account number on my reports. The reporting activity dates are off and inaccurate. Please help me resolve this.

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 2017-06-13
Company: Experian Information Solutions Inc.
State: NJ
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:
With all  XXXX  Credit Bureaus  XXXX ,  XXXX  and Experian.   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all three of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the victim that needs to proof that I do n't have a car or a home. Ther e are Medical bills that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable company that Does not belo ng to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discr epancies and nothing gets done. Until when what else do i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep goin g to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.

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 2017-06-13
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a the first notice from Credit Collections Bureau dated    XX/XX/XXXX . Upon receipt of the notification, I called and left a message for a return call. I never received the return call. One week later I had a notice for certified mail. Within the certified mail was a notice of a small claims lawsuit. The deadline to respond to the denial is   XXXX   XXXX   2017, which I intend to do.
<P/>
I was not given enough time to respond and dispute the debt ( 15 ) days from the first notice received to the date of the Notice of the small claims lawsuit being served.
<P/>
The amount of interest that has been charged is {$440.00} and the total amount of debt was {$530.00}. How long has this been in there office without trying to reach me? I believe this could be from an surgical operation back in  XX/XX/XXXX , How long is the statute of limitations on these debts within my state?
<P/>
I am aware of the collection practices of this firm and to my knowledge this is a collections tactic they use. Placing a small claims judgment against a consumer whereby it is entered and then they place a wage order on the consumer.
<P/>
How is this practice not a violation of UDAPP?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: MI
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 've called the XXXX multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 've called the   XXXX   multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitting this complaint on behalf of myself. According to the FCRA The 3 consumer reporting agencies are in violation of 15 USC 1681 section 602. Which states I have a right to privacy. I sent these companies a dispute letter stating that are in violation of 15 USC 1666b ( please see attachment ). Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They are in violation for reporting this inaccuracy to my consumer report. They are being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy on my report based on federal law Please see attachment.

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 2019-10-21
Company: Total Card, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I asked to have the program fee waived and I needed this card for my new job. It seems like my request is being ignored.

I received the Total Card Visa in the mail. I called to see if the program fee could be waived. When it could not be waived I tried to pay it via my checking account and a debit card. I was told that if I pay the remainder via debit card my account would be opened. My cousin tried to help me out with that and I was given a different date as to when the card would be activated. I have cold corporate several times to complain about this. Whenever I'm transferred over to the presidential line, it goes straight to voicemail. I have not had anyone contact me except for one time. The way I see it this be should be waived because of all of the crap I've had to endure trying to get this one issue resolved. And the way I see it, I shouldn't even have to pay my first month minimum payment because of this mess. I feel like my issue is just as important, and I shouldn't have to wait days for someone to get back to me only to tell me they can't wave it when I know that there is a way you can do it. The program fee is {$89.00} of which I've paid 30. And this is not even money of mine this is money that belongs to my cousin that I have to pay back. I don't like the  miscommunication that I've been given and I feel like I should have this card activated because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
State: AL
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:
SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX  DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO XXXX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND XXXX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XXXX XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS

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 2021-10-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
JP Morgan Chase is changing the terms of my credit card to include a binding arbitration clause. Unless I reject the agreement by XX/XX/21 all disputes will be resolved by a binding arbitration. If I do not reject the agreement, I will be giving up my right to go to quart and will not be able to take part in any class action lawsuits. In order to reject the agreement, I must notify the bank via a mailed letter to XXXX XXXX XXXX XXXX, DE XXXX. I can not send the rejection electronically or orally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: NV
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:
In XXXX I sent all bureaus letters about info that was wrong on my report. I have not heard from them and need these items removed. This incorrect info is keeping me from being able to take a necessary loan for my grandfather 's long term care and I do not have the time to wait until they get around to completing their investigation. I sent letters in XXXX and still nothing. I just sent certified mail this month so I can track when they get this one but this is ridiculous. These companies are playing with my family 's livelihood right now and I don't need the added stress

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX   XXXX     account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX .   XXXX   and Transunion are both still reporting this account as late for a payment status instead of paid. Also,   XXXX   is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.

Company response to consumer: Closed with explanation