BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: Kelsting Group, 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:
On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on all 3 credit bureau 's XXXX XXXX XXXX 
I have disputed these alleged charges for years, due to identity theft, I attempted to file a police report in 2017 just to be told it's not a police matter it's a civil matter in which the report wasn't accepted at the time. The FCRA states my rights clearly being violated by this collection I am requesting termination an removal of this collection, immediately due to inaccurate reporting, anyone say send a bill saying you owe, but there's been no written Signature or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The inaccurate personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: LA
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 have consistently disputed the inaccurate information on my credit file about XXXX XXXX XXXX  this account in reporting open, past due amount of XXXX derogatory status which is inaccurate reporting on my account the receipt of proof that this account was paid off is attached and MUST BE REMOVED FOR INACCURATE REPORTING IN VIOLATION OF MY CONSUMER RIGHTS. THE FAILURE TO CONTINUE TO REPORT THIS ACCOUNT BASED ON THE NUMEROUS TIMES DISPUTED IS NOW RESULTING IN A LAWSUIT FILING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
AFTER CAREFULLY REVISING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT THAT I HAD ABSOLUTELY NO KNOWLEDGE OF. THE ACCOUNTS DOES NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS SO THAT MY CREDIT FILE CAN GO BACK TO IT'S NORMAL SENSE 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 explanation
Consumer complaint received 2022-10-26
Company: CrossCountry Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In the month of XX/XX/2022, I feel victim to the sickness of XXXX I was in complete shock as I had done everything in my power to avoid the XXXX XXXX  I thought I would be fine but i was so wrong. XXXX hit me with all the worse symptoms, the XXXX XXXX completely disoriented me. I was starting to experience the inability to wake up and I had XXXX XXXX. I felt like i was starting to go unconscious, so I quickly grabbed the phone and called 911. I was sent to the ER immediately, the doctors were able to help stabilize my breathing. I had to say in the hospital for 2 days to feel some what functional, after that whole situation I realized a couple days later that I missed my payment on the mortgage. I was stuck in the hospital trying to cover that I didn't even think about that, what I was worried for the most was my life. I even tried calling the company later to explain to them what happen so they could give me a chance in my dire situation but they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CITIBANK, N.A.
State: OH
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a Credit Card earlier this month and received an email on XX/XX/2023 saying I was denied my securities when I contacted they company to get a specific reason as to why I was being denied my God Given Right to Credit As Granted to me by the Equal Credit Opportunity Act. I was given Misleading in False information until Finally, I was directed to the submit a complaint on behalf of me being denied my securities. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX a charge was made at XXXX XXXX in Arizona for the purchase of several items totaling XXXX. I did not make these purchases. They were made using a credit card I had applied for but had never activated.

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 2022-10-26
Company: Netspend Corporation
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had XXXX taken out of my account XX/XX/XXXX & XX/XX/XXXX, I seen it in an Email and not my regular messaging from NetSpend Ace elite, I tried to order XXXX XXXX Saturday it wouldn't go through for {$12.00} and some change so I tried checked my balance in my account it stated wrong username and password. it went to a XXXX XXXX XXXX in XXXX XXXX Va, I have tried Several several times to speak to the reps there about my account, they keep giving me the run around over and over again, I even just ask to send a statement to my home I was denied. I reported my card being fraudulent on the same Saturday They were suppose to freeze my account. But I'm still getting notifications about it and not on the regular Messaging for NetSpend

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 2023-03-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
Have requested correction on late payments and it has not happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: ACIMA CREDIT, LLC
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:
I just reviewed my credit report from XXXX XXXX website yesterday XX/XX/XXXX and noticed a previous company Ive used is reporting to my credit bureau incorrect amounts for my past purchases and they specified that the loan was for a vehicle which is incorrect. I tried calling on XX/XX/XXXX at XXXX cst this was a 8 minute call and the agent was rude not acknowledging the reason for my call or request. He kept deflecting by repeating himself saying they dont report to credit bureaus and there is no credit department to transfer me to. So hung up and tried again to XX/XX/XXXX at XXXX cst this was a 8 minute call as well, this person said he was a supervisor and that he would send a request to the credit department but can not guarantee that my credit report would be updated. I in turned replied It is required by law you remove the inaccurate information under the FCRA, The law states that any inaccurate information you report to my credit bureau must be immediately deleted and provide written confirmation He stated again he couldnt guarantee it so I told him I will file formal complaint with CFPB and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: PlusFour, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received multiple phone call messages to my cell phone from plus 4 inc. Saying i owe a debt. I called them on XX/XX/19 and XX/XX/19 in an attempt to learn more about this claim as i have the means and always pay my bills immediately. They will not give me any information withour first me giving them my date of birth. I asked if i could give some of that but not all since I'm cautious about being scammed, nor have i received any other verbal or written communication regarding an outdated bill from anyone. They said they would not, and could not, do anything until i gave them my birthdate to verify i am who i am. I am willing to cooperate and want to ensure my credit is not tarnished because of my rights to be properly notified by any party of a debt that they feel i owe. This is unacceptable and will be defended fully. I simply seek to understand what the claim is for and about so i can validate it's true before i provide personal information to this company not knowing if it's a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I just remember how I'd get conlficting information on my loan after my loan modification with Caliber Home Loans. 


They are selling my loan to XXXXXXXX XXXX XXXXXXXX, who I've been reading has WORSE reviews with holding payments and not telling the customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Portfolio America Asset Management, LLC
State: GA
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:
PORTFOLIO RECOVERY keeps changing the open date so that it can stay on my credit report forever. I have brought this up with XXXX, XXXX XXXX, and XXXX several times. PORTFOLIO RECOVERY XXXX XXXXXXXX XXXX for {$1100.00} and XXXX. As well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$610.00}. Portfolio is coming up on its 7year mark and should be removed later this year. I don't understand how I can ever move on from this. As well as XXXX XXXX XXXX should show paid in full with all three companies. Not repossessed. I have the letter to back it up.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
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:
I have disputed XXXX since XX/XX/2022 several times and never got a response. This account does not belong to me nor am I legally responsible for this account. The account is really harming my credit score and need to be removed immediately. It's showing up as a delinquent account with multiple late payments. Please remove this account from all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: JPMORGAN CHASE & CO.
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:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JPMCB CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  that opened last XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2022 my card was used in Florida at a company called XXXX XXXX XXXX  for {$200.00}... I've contacted my bank ( Brinks/NetSpend ) they said it's nothing they can do until it stops pending it's been 5full business days and it's still pending and the bank say it's nothing they can do but they ask for me to provide documents explaining the situation but they can't file a dispute so why ask me for documentation? They also told me contact the merchant which I did but it's nothing she can do either due to her experiencing fraudulent activity with her account as well ..I just want to know what I can do to have my money refunded back into my account

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 2021-03-14
Company: Experian Information Solutions Inc.
State: NY
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 have XXXX child support accounts on my credit report. 

I do not owe child support and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the child support case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credit card was open back in 2017 and purchase were made. XXXX Has failed to send me any statement are correspondence regarding the account I have reached out to them to them regarding not getting any information and was advise they will resend my statement and the XXXX XXXX card information still have not received anything now account is in collection and having adverse effect on my credit report I have made a payment to the collection agency but I feel it is unfair to have account in collection and on my credit report

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 2023-09-27
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I visited XXXX in XX/XX/XXXX and shopped at XXXX XXXX. I was surprised when I came back in XXXX of XXXX. I had a huge interest in XXXX XXXX. XXXX XXXX XXXX letter states I owe XXXX when I open the letter. Besides, I don't have any credit card activation by me. I called them because of this surprise bill I had. So, I asked them for my statement, which took me another 1 month to wait for that statement, leading to {$300.00} plus interest. The statement says XXXX '', I did not buy paint, XXXX!! And his means another interest incurred on me. We agreed to a settlement of {$160.00}. 
I found out I was reported to Experian when I was offered by XXXX XXXX a credit card. I complain about their way or mode of communicating or sending bills by mere letter only. I am not a resident of XXXX. They should send bills through e-mail too. If so, I can pay as scheduled like my other credit card used to bill me. It is so UNFAIR. Is this the way, how they make money?

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 2023-05-23
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:
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, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation