BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a free credit report on XX/XX/XXXX from XXXX, and I noticed that there were 5 delinquent accounts under my name opened by an unknown individual. Two of those delinquent accounts were with Capital One : Acct # XXXX with a balance of {$1200.00} as of XX/XX/XXXX and Acct # XXXX with a balance of {$10000.00} as of XX/XX/XXXX. 

I contacted XXXX in XX/XX/XXXX and I started the process of disputing those accounts. Consequently, I had to freeze my credit with all the Credit Bureaus. In addition, I made reports to the POLICE department in my city ( XXXX XXXX, FL ) and to the FEDERAL TRADE COMMISSION in XX/XX/XXXX. 

I found out on XX/XX/XXXX, that an impostor ( probably the same criminal who opened the delinquent accounts using my personal information ) changed my address with the DVM in FL and a driver 's license was sent to an address in XXXX, FL that doesn't belong to me in XXXX. I had to send to the Florida XXXX a DRIVER LICENSE/IDENTIFICATION CARD FRAUD INVESTIGATION REQUEST for them to fix my address on my driver 's license. On XX/XX/XXXX, I received a letter from the Florida DMV informing me that they had corrected my address to my legal and only address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

In regards with the delinquent accounts with Capital One that were opened by a criminal, I have spoken with numerous representatives since XX/XX/XXXX from their Fraud and Recovery Department to no avail. I have submitted to them numerous times via fax and emails the FTC report, the Police reports ( two of them ) and my XXXX XXXX bills from to prove I have been living at my current address for the last two years to no avail since XX/XX/XXXX. On XX/XX/XXXX, I was told by two supervisors from Capital One that their investigations in regards to the delinquent accounts opened by an impostor under my name were closed and that I was responsible for those balances on those accounts. 

I contacted the office of the Florida Attorney General XXXX XXXX recently and I received information from that office in regards to the steps I can take against Captial One to remedy this dilemma. And, that's the reason I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX Dear Sir Mam : Went to my banking institution yesterday afternoon. Was told that after I had entered my bank and started my transaction at the counter that she said that I had to wear a certain type of attire. I was stunned as to there is no law or statutory law that has ever been in place that has any establishment bank or otherwise the right to tell us what to wear or how to dress. She continued harassing me even though I have been to my other locations numerous times and done my banking business in the usual manner. She refused to serve the customer even though I advised her that she is breaking the law. ( California Penal Code 538 ( d ) PC. Also the Non-discrimination Laws in the State of California Civil Code 51. ) There are more statutory laws in CA. Since I was harassed and threatened and refused service at a public place ; I left and said at the door that they are breaking the law and engaging in discrimination of a bank customer. I have also never seen a XXXX man or woman being told they can not enter because of their attire. I am seeking to have them fined according to civil rights violation, Federal Civil rights law ( Title 11, Section 2000 ) and want them notified/contacted and advised that these so called " mandates '', " requirements '' etc. etc. are NOT laws. Please render assistance as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a really extensive report to submit about Pay Pal Mastercard!! 

They have me listed with a lost or stolen credit card. 

I am XXXX years old and a Veteran of the XXXX XXXX in XXXX XXXX, Texas. 

Please help me!! 

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
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-08-11
Company: Experian Information Solutions Inc.
State: MA
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:
There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

Experian & XXXX BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And Experian especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

Experian makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.

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 2021-08-11
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
I have been trying to work out a forbearance agreement with my lender, Shellpoint Mortgage servicing since XX/XX/XXXX due to Covid 19related job loss and financial hardships directly due to Covid 19. The lender has stalled during the whole process with requests for documentation, and denials for assistance for over a 15 month period. They have finally agreed to a loan modification with extremely higher rate and terms and have reported my loan late several times over from XXXX to XXXX. I have requested verification from dispute thru credit agencies and not resolved. I have contacted lender direct and they have updated credit report showing loan is even later than 180 days on 5 occasions! I would like to file a complaint formally with a state agency or get this resolved so i can get a new loan and refinance this lender out! 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: NJ
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 USC1681. 
XXXX XXXX # ACCOUNT XXXX DATE OPENED XXXX XXXX XXXX XXXX  XXXX DATE OPENED XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION 2 : IT STATES A CONSUMER REPORTING AGENCYCANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCYMAY TAKE ANY CONSUMERREPORT CONTAININGANY OF THE FOLLOWING ITEMS OF INFORMATION.ANY OTHER ADVERSE ITEEEEEM 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 THEPERSON KNOWS OR HAS A REASONABLE CAUSE TO BELIEVE 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 explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX ( {$7800.00} ), XXXXXXXX XXXX  ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX XXXX {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal Credit Billing Falsely : {$660.00} as of XX/XX/XXXX Ticktet Number : XXXX Has been contacted multiple times each time they deny dispute and continue billing me. 

Has been called by phone with me and the Merchant, on XX/XX/XXXX. Paypal was advised by XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX, that the charges are false and the money is not owed. ( Paypal is billing for two add'l sessions -- not owed XXXX Paypal insisted it was owed because XXXX  Billed them. XXXX has been contacted twice and denies billing Paypal in the Amount of {$660.00}. Ticket number XXXX. I can furnish proof. 

I am tired of fighting yesterday marked the Fifth month of this abuse, when I call, I get transfered around and told that because the amount appears on their billing statement I must therefore owe. But they can not provide or furnish me any additional proof that they ( PayPal Credit aka Synchrony Bank ) were ever biillled that amount.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 at XXXX CA time, I called Transunion and spoke with the first phone rep and advice that I filed a dispute on an collect that has been paid since XX/XX/2021 and that the company said they reported it to then on XX/XX/XXXX XXXX And I filed a dispute on XX/XX/XXXX because it was still showing but when I filed the dispute there system didn't give me an option to up load documents showing proof it was paid and closed. And that I had spoke to another rep that advice to me on XX/XX/XXXX when I filed the dispute that I can still upload and he would transfer me to the department that could help me and then I was transfer and then the system advice that since the wait was long I could get a call back and I opt for that but never got a call back and this is why I was calling today. The rep advice me that I have to mail it in because there is no way that this can be done, I question him because of the last rep advice I could and I have done this before through there website when I file dispute before and he keep advice that I was wrong and that mailing in the proof was the only way. I advice that I would like to speck to a supervisor but eh advice that I didn't need one and that he could help me. I advice he couldn't and I wanted a supervisor he keep telling me no I couldn't have one. In tell after 3 mint if asking he finely gave me one. He cold transfer me and I had to explain and give all my information over again. And this supervisor did what the last one did and said I was wrong and that this is how it is. I asked to speck to his supervisor and he advise that he could help me and that I didn't need one. I explained he couldn't help and I would like a supervisor and finally after this he cold transfer me to anther supervisor. This supervisor advice that she could cancel the dispute and I can refile it and then the system should let me upload the information and if it doesn't then call then back. TransUnion is prohibiting me from filing my dispute and is not letting me give them information to show I paid this off and they are the only credit bureau that is reporting this incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Porania, LLC
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. XXXX XXXX XXXX Account Number : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MD
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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: Investigation took more than 30 days

Complaint:
I submitted a dispute on XXXX XXXX and I have not heard anything from Transunion, XXXX  or XXXX regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX  XXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXXXXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete

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 2023-08-03
Company: EQUIFAX, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
I sent couple of letters to XXXX and Experian to inform them that they are reporting fake information but I was ignored. I do not have these accounts in XXXX but only in Experian and XXXX. So I hope it will work and my complain will be working because I do not want to have unknow accounts in my credit report. Thank you I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.

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 2021-08-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
this message is regarding CHASE BANK Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX Banks are not supposed to hold their clients liable for fraud. I am submitting this report to the consumer financial protection bureau because Chase bank refused to protect my account from fraud. After recently opening a checking account with them, my debit card was used for a series of transactions without my knowledge or permission. I notified them on XX/XX/XXXX and they opened a claim. They closed the disputes and charged me back for the provisional credit of the claim, stating that I was responsible for the charges even though nothing was received by me, nothing delivered directly to my hands, and the charges are fraudulent. 

Banks are not supposed to hold their clients liable for fraud. They told me there was nothing I could do. I filed a police report and contacted the merchants to let them know the cardholder ( me ) did not authorize the charges, with no success. I am hoping that the consumer finance bureau can contact Chase in regard to the following claim number and ask them to reopen the claim and return the money that was stolen from my account by fraudulence. A woman named 'XXXX XXXX from their claims department ( XX/XX/XXXX around XXXX central time ) told me there was nothing they could do, after asking to speak to a manager repeatedly she told me that a manager would not change the outcome of the claim. The line was recorded and I hope the conversation is able to be submitted for review. 

Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX Claim related to Account ending in : XXXX attached is the print out page from the USPS for the package which was not delivered to my hands. I never received any merchandise from this retailer and implore you to help me get these disputes resolved with my funds safely returned to my bank account. 

Date of Inquiry : XX/XX/2021 Claim Number : XXXX Card ending in : XXXX XXXX related to Account ending in : XXXX

Company response to consumer: Closed with explanation