BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but, how is that possible when if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? Whenever my private attorney also known as XXXX XXXXXXXX does research on this account XXXX XXXX this loan was opened in the state of FL. THIS COMPANY FAILS TO UNDERSTAND THAT MY INFORMATION WAS STOLEN. I UNDERSTAND THAT MY INFORMATION MATCHES AND THAT THE DEBT WAS ILLEGALLY PLACED IN MY NAME. 

XXXX XXXX lies and states that it has tried to contact me several times. They state that I never gave them a government ID. And this is the reason why they have denied my claim neither have they tried to contact me about the situation. After calling in for the past month they never follow up with a call back as well. I have already placed their agent on cease and disease because of the lack of following the law and respecting my consumer rights. They fail to give me a different agent that will respect my consumer rights. 

Both financial institutions and credit bureaus must respect my consumer rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It states a consumer reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from 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 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX, XXXX, XXXX credit report, and I noticed some late payments, Chargeoff posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: MD
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:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because.

According to 15 USC 1681, I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX 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 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted Transunion on XXXX to inform XXXX  that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. XXXX XXXXXXXX {$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 explanation
Consumer complaint received 2022-11-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.

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 2023-11-29
Company: EQUIFAX, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are several inaccurate late payments on my consumer report. I am demanding that these companies show me concrete proof that I was ever late on any account by sending my the accounting records of each following account number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681i I am also requesting the procedure you used to " verify '' these inaccurate late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
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: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid 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:
XXXX XXXX, Dispute charge for XXXX  to my XXXX Credit card ending in XXXX. Claim number XXXX Bank of America. 
I purchased a reservation for XXXX XXXX XXXX hotel through XXXX XXXX XXXX by phone ( Same owners ) of XXXX Go XXXX XXXX You will see in the document attached how they both charged me in different credit cards. 
On the XXXX of XXXX, I arrived in the XXXX with my family. To my surprise, the Hotel was supposedly reserved by XXXX XXXX and XXXX XXXX XXXX. Had not been paid but only reserved for a day and not a week as offered. So in order to stay I had to pay again or I would not have been able to stay. If you notice the attachment. I had already been charged on XX/XX/XXXX, {$XXXX} by XXXX XXXX and {$XXXX} by XXXX XXXX XXXX XXXX on my personal credit card ending in XXXX. I had no understanding of what had happened as the enterprises that sold me the package had already charged me. 
The hotel XXXX then made me aware that neither XXXX XXXX XXXX nor XXXX XXXX XXXX booked a reservation through them. Rather, that they had forged my name and booked the hotel through XXXX but had only paid the minimum deposit of {$XXXX}, which forced me to pay the following {$XXXX}, if my family and I decided to stay. 

I spent hours calling both companies, neither of which have made themselves responsible. So I had to pay the hotel and change all our flights to go back earlier from our vacation, as obviously we had been scammed as well as I called my credit Cards to cancel the payments. 

When I arrived back in XXXX I noticed that the company had done this scam to several people and that there were many complaints about it on the internet. 

Bank Of America, refunded me the charged amount but on XX/XX/XXXX they sent {$XXXX} back to the Merchant. Because the merchant sent them a letter saying that the merchant had told them that they provided me the service. I am attaching this letter where you can clearly see that they charged me without giving me the service. I hope that by analyzing the documents you will clearly see how the merchant pocket the money and didn't deliver my reservation in XXXX. XXXX holding did not render the service offered and they are not willing to provide a legit service but a well orchestrated Fraud. That cost me and my family to not only cut short our vacation, be stranded in XXXX but spend so much money paying the hotel as they did not and changing all out flights. 
I truly hope you will be able to see the fraud and support my position. 
Thank you 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 2022-10-14
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I received an important notice from Chase stating that my COVID-19 mortgage payment assistance period will end on XX/XX/XXXX. I reached out to Chase by telephone using the number listed at XXXX to request a mortgage forbearance extension. After speaking with the person on the telephone I was told that my forbearance extension was being granted until XX/XX/XXXX, and that my confirmation number was XXXX. 

On XX/XX/XXXX, I requested that Chase provide me with the extension given by them in writing due to the urgency related to my current forbearance ending on XX/XX/XXXX, I explained that there should be a process in place to ensure that there are no laps in the forbearance process and that there should not be any opportunities or reasons for default of a consumer 's mortgage loan. 

Instead of getting any assistance, I was told by Chase that I would not receive anything in writing until 2-3 weeks after making my extension request. This deadline would possibly place me past the due date that my forbearance would be ending. After going back and forth with Chase staff regarding this issue I requested that Chase simply email me something in writing acknowledging that my request for forbearance was granted on XX/XX/XXXX, and to include the reference number that was given by Chase inside the email. 

Chase refused to provide the requested information by email. Chase 's refusal places my loan at risk of default. This information is crucial when working with mortgage consumers in the forbearance extension process. 

I am requesting assistance from your agency with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX XXXX  I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX {$2400.00}. XXXX XXXXXXXX XXXX XXXX XXXX {$850.00}. XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2700.00}. XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX {$2800.00}

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 explanation
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I probably did not select the correct options, but that is a problem with hard coded web pages in the first place. My issue is that one Friday, XX/XX/XXXX, I received multiple emails from Capital One on each step of the opening of my XXXX Checking account. 
The problem is I did not apply for or open any account with Capital One. I have received an Application ID : XXXX. 
Another email provided the following information : <my name> XXXX XXXX Routing number XXXX A search online shows that is the correct routing number for Capital One. Obviously the last four only for the checking account number is useless. 

I made frequent calls to different phone numbers for customer service for Capital One. They were all useless and a couple were downright rude. They want my social security number. I did not open any account with them, I am not giving out my social security number, and since someone else is trying to open this account, how would my SS # be any use to Capital One looking up my account? Once said I need to go to a Branch, this could not be solved over the phone. There are not any branches within XXXX miles of me ( branch locator on their web page ). My situation was never escalated to a higher tier or management. This is absolutely ridiculous. Normally I would not believe the emails as they could be phishing attempts, but checking the web page certification shows it is certified by XXXX to Capital One Financial Corp, XXXX Virginia. Which all seems legit. 
I would like to know what recourse against Capital One I can take. I'd like affirmation this account has not been opened in my name without my knowledge or consent. Any help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: ARC Management Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/21 XXXX  from ARC debt collection called me regarding unpaid hospital bills. Told me the total balance is {$1900.00}. She asked if i could pay it today. I told her that i needed a payment arrangement. She asked if i could pay today. I said no. She then told me that if I didnt make a payment today then it could effect my credit negatively. I then asked to speak to the supervisor. I waited on hold for 10 minutes. XXXX XXXX came on the phone. I told him when i asked what the rep meant by effecting me negatively. She said just like i said. He then said it would effect me negatively as well. When i asked him how it would if i didnt make a payment today then he said well it could if you dont make a payment by the end of XXXX. He wouldnt let me speak and continued to talk over me. then he proceeded to tell me that i have 6 accounts in their offices but would tell me verbally which ones, dates and how much. just said i will send in the mail. when i asked who is superior was he refused and said i cant talk to him. i advised i didnt ask to. i just asked who it was and he said XXXX XXXX is the owner. The treatment i received was very unprofessional and threatening. I have no problem with setting up payment plan but to be talked to in this type of manner is not in any way professional

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In spite of being an account holder in good standing with Bank of America for 17 years, they continue to place holds on my check deposit. The check comes from a well known brokerage but Bank of America places a hold saying it takes them 10 days to get the amount which is simply not true in this day and age. I have never experienced this with other banks. 
I am not being given the true reason of placing the funds on hold. 
This is especially heart breaking in COVID times when someone needs the funds ASAP.

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 2023-10-13
Company: Continental Finance Company, LLC
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, This is a good will letter asking for Celtic Bank XXXX credit card to remove the 30 day late payment from credit file. I am currently undergoing XXXX and had no one to assist me in paying my bills. This 30 day late has dropped my score significantly and I need special financing on medical equipment and they wont approve me due to the 30 day late payment. I am inXX/XX/XXXX need of this life changing device. Medical insurance is not covering the entire cost and ai have to finance the rest. Going forward I have set up automated payments so this wont happened again. Please excuse this 30 day late and have it removed from my credit file so I can get financing on my medical equipment. At the time of this payment I couldnt even walk and had a breathing tube down my nose. Thanks in advance

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