BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2022-09-28
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Barclays recently canceled my Frontier Credit Card. They have given me three different reasons for doing so. When I first called them to inquire about it I was told that I didn't pay the annual fee. I told them that I never received any notice that I owed an annual fee and they just apologized and told me to apply again. I called again and was told that my card was closed due to inactivity. Something that I also received zero notice of. Then I received a letter saying that my card was closed due to a recent delinquency on my credit report with XXXX. I have zero delinquencies. So I am concerned that this has adversely affected my credit. I was also recently turned down for an XXXX Credit Card. I am not trying to find out what is going on here. So, I feel I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I make payments at the end of the month, they call me several times in the same day, I talk with them every time, they called me 4 times on XX/XX/2020, they were given date, said they are sorry. im working and being harrased

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My family and kids were XXXX XXXX XXXX XXXXXXXX on fegnal. The suspects threatened chase staff to play me like I'm XXXX if I report fraud being that they stole my id and had my family. 

XXXX Chase Bank XXXX XXXX XXXX TX I didn't request to close my card or have another card mail to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX I add a hard inquiry on my credit report per Equifax. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these

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 2023-11-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I qualified for the XXXX discharge of my federal student loan which means I am not obligated to pay my student because I am a XXXXXXXX XXXX XXXX yet my credit score report that I still owe that student loan

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 2020-10-30
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
SUBMITTED ON XX/XX/XXXX : XXXX XXXX XXXX PAYMENT STATUS UNKNOWN. LAST REPORTED XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. DATE LAST ACTIVE XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. DATE OF LAST PAYMENT XXXX  XX/XX/XXXX, XXXX  XX/XX/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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021 I initiated a dispute with TransUnion credit bureau regarding incorrect balance information being reported on my credit report. The balance information they are reporting is from the month of XXXX and it is inaccurate and affecting my credit score in a negative way. I contacted the credit union, XXXX XXXX in XXXX and advised them to contact TransUnion directly and make them fix this error before XXXX. I was told by the Director of Consumer Lending at XXXX XXXX  that their credit reporting updates occur every month on the XXXX. TransUnion refuses to update my credit card balance and when I issued a dispute with them directly, I was sent a deceitful letter dated XX/XX/2021 explaining that no update is necessary!! My new credit card statement date is XX/XX/2021 and it clearly shows that my balance is {$40.00}. These facts make it clear that TransUnion is not working on behalf of the American Consumer and this bureau needs to be shut down!! Their investigations unit NEVER DISPUTES CONSUMER COMPLAINTS PROPERLY OR ACCURATELY. TransUnion remains in violation of FTC regulations. TransUnion refuses to update my new credit balance and increase my credit score which will be the next course of action to take place in 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 2023-02-17
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting 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:
There was a HARD INQUIRY reported to XXXX on XXXXXXXX  by Macys. This was done fraudulently by Macys and without my understanding or approval as a result of false information provided to me by one of their employees. I was placing an order for merchandise from their website via the phone. The person I was speaking to told me that I would get an additional discount on my order if I applied for their credit card. I told her that my credit was rated as FAIR, and therefore I would probably not be approved. She assured me that a credit credit check / inquiry would NOT affect my credit score. I believed her, and therefore applied for a Macy 's credit card over the phone. I soon thereafter called the appropriate department to check on my approval and found that it only took them 15 minutes to immediately decline my application for credit. I later discovered that the credit check was indeed a HARD INQUIRY that now appears on my XXXX Credit Report. I would never have applied for credit if I had been told that it was going to be a Hard Inquiry. Therefore, please remove this HARD INQUIRY reported by Macys on 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 2023-04-01
Company: Experian Information Solutions Inc.
State: AL
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:
My bankruptcy of XXXX was dismissed and it shouldnt have been. It is causing me hardship. I was homeless with XXXX children and thats one of the reasons I filed the bankruptcy. I was at the end of my bankruptcy in XXXX when me, XXXX of the XXXX kids caught XXXX. Bankruptcy trustee dismissed my case even after I appealed with proof. I was made to file another bankruptcy instead of it being modified because of the situation and losing my job because I could not work. I have wrote many letters and called numerous times trying to appeal the decision and to get this off my credit. Even with proof it still remains on my credit and they also refuse to reconsider the case. Please help me because no one else is trying to help me and my XXXX kids become better and live better in society. I have worked hard and got a place to stay and a great job now, this being on my credit is hendering us from having a better life.

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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of fraud and Capital One Fraud department charged back fraudulent charges while ignoring my request to send proof that they had deemed my or an authorized user responsible for these charges ( I had no authorized users to be clear ). Additionally, the declined to re-open my investigation. When asked if it was the policy or Capital One to see their users as legally responsible for fraudulent charges, they skirted around this saying, Well, our investigator closed the case. In my request for the name or employee number of the investigator, I was not given any requested information ( again ). Several times I requested another supervisor and was denied. Now, I have a payment due for charges I never made and have to ding my perfect credit or pay balances Im not responsible for. I will be filing a complaint with the CFPB, FTC, and any further legal action necessary. DO NOT OPEN AN ACCOUNT WITH THESE CRIMINALS! The woman I spoke with was XXXX, empl # : XXXX. 

The end result was nobody wanted to provide merchants, delivery information, who was responsible for the decisions made, refusal to re-open investigation and many other failures to supply consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Venmo is failing to adhere to their stated procedures for resolving customer complaints, including customer complaints that have regulatory implications. The terms of service advise contacting Venmo through chat, but the chat service has been converted into a chatbot that can not accept customer complaints. As you will see from the attached screenshot at XXXX XXXX EST ( XXXX Central Time ), they have deactivated live chat, though they falsely claim that it is still available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX : XXXX Email : XXXXXXXXXXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX. 


Dear XXXX : Since XXXX my CFPB file will show that XXXX and its subsidiaries which include but not limited to XXXX, XXXX and Shellpoint, just to name a few, have interrupted justice in my case by using corrupt practices to not only delayed and denied the data my lawyer are requesting to prove my case in one the finest justice system in the world, the XXXX XXXX XXXX XXXX 
Shellpoint Mortgage and its parent company do not relent to break Federal Laws/ statues and get away with it because of its privileged ( power and pervasive ). 
Attached, please find communications grounding the facts of the above claimed that is self-explanatory. 
I have a team of lawyers that have been anticipating, and are still waiting for me to present to them the needed documents/data that they have requested for review, audit and written analysis to be presented in the court of law but to no avail until now. 
What I want in the here and now as I prepare for the upcoming sheriff sales of my home by XXXXhellpoint Mortgage on XXXX XXXX, XXXX before my home can go on sale is : ( 1 ) The original copy of XXXX XXXX XXXX XXXX signature on the Mortgage note. ( To date, the Shellpoint Mortgage and subsidiaries has refused to provide me with same ). And ( 2 ) The RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST. 
These requested documents have been long awaited by my legal team listed below, namely : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX Web Site Address : XXXX XXXX, XXXX XXXX XXXX, is a multi-discipline law firm with specialty in Bankruptcy, Mortgage Audit, Predatory loaning among other related business legal matters. The service is paid for. 

Im still awaiting the requested documents from Shellpoint to be presented to the firms listed here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, PA XXXX Email : XXXXXXXXXXXX A Consumer Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX My lead Forensic Document Analyst Thus far, Shellpoint Mortgage has been speaking with The Law Office of XXXX XXXX with my written consent. 

However, to date, Shellpoint has failed to provide any document/s undergirds XXXX XXXX XXXX XXXX XXXX signature, copy of her Social Security Card, any Picture Identity or a copy of a pulled credit report that justified XXXX XXXX inclusion on the mortgage note in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX, XXXX a representative from the ombudsman department called me. She stated that the previous mortgage statements I uploaded were not a 'verification of mortgage. ' I asked her " How is a customer to know the difference between a mortgage statement or a verification of mortgage? ' This had not been explained to me as I assumed the mortgage statements were sufficient enough. They keep changing the document types needed. This company is extremely invasive. They never asked me where the money was coming from when I was struggling to make the payments. They are asking for new documents and details every single day. 

Then I was asked to provide a lease agreement which the renters hadn't paid since XX/XX/XXXX. I have to wait for a response from the other mortgage company to fulfill the v.o.m. request and upload a lease agreement which is no longer valid. 

I lost my second job due to Covid 19 on XX/XX/XXXX. My loan was transferred to this servicer XX/XX/XXXX. Can I ask for a forbearance related to the Pandemic? The renters job closed due to those circumstances. The companies have shut down. They didn't work long enough to claim unemployment. I also couldn't receive unemployment benefits because I was working more than 32 hours per week. XXXX and XXXX programs can't help 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 2022-11-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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