BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my initial contact, Experian has failed to respond, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : ( XXXX XXXX, Balance : {$95.00}, Reported : XX/XX/XXXX, Original Creditor Name : XXXX XXXX ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$670.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$220.00} ). 

For each of these accounts, I dispute the accuracy of the reported information and request their immediate removal from my credit report. The details of each account are as follows : XXXX XXXX : Experian includes this account on my credit report, but it does not belong to me. I request the removal of this account from my credit report. 
XXXX XXXX : Experian includes three accounts under the name XXXX  XXXX, which are not mine. I dispute these accounts and request their removal 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 2023-09-07
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This complaint is about Chase Credit card services not honoring their written business agreement for how bonus points are calculated and transferred. 

During XX/XX/XXXX I signed up for a southwest Rapid Rewards Chase business credit card via Chase Bank which offered XXXX bonus points after reaching {$3000.00} in XXXX XXXX. 

Attachment 1 is the detailed business agreement : Please see highlighted text in business card attachment that describes how points are to computed at end of each cycle and should be transferred over to partner Southwest Rapid Rewards. Essentially it is all purchases minus refunds or returns. 

Attachment 2 : Is the formal Chase credit card statement for first month ( full account number redacted ). It clearly shows that the net spend in month of XXXX minus any adjustments and refunds was {$2800.00}. All of the transactions were completed well before the statement close date. 

As per these formal rules the system should have not transferred any bonus points in the month of XXXX. But their technical system has incorrectly transferred XXXX bonus points rendering them useless towards Southwest Companion pass - the original intent of the promotion. 

Had the points being processed and transferred correctly in the following month - XX/XX/XXXX, I would have qualified for Companion pass for two years starting in XX/XX/XXXX and valid upto XX/XX/XXXX as per the promotion. 

I opened the issue with them in XX/XX/XXXX and have had multiple email and phone calls with them. Whenever you speak with them over the phone the supervisors agree that points have not been correctly transferred e.g. the last conversation was with supervisor XXXX on XX/XX/XXXX and it lasted around 45 minutes. She took detailed notes and agreed to provide a resolution or formal response from Chase Marketing. 

I would like CFPB to help get the points correctly assiged to the right month of XX/XX/XXXX and have my Southwest companion eligibility for 24 months from the date that is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NE
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them form my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorised inquiries on my credit report from 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 2020-04-10
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Chrysler Capital Auto loan paid off in full. 

XX/XX/2020 XXXX XXXX. USPS Certified mail receipt for delivery of Payment XX/XX/2020 Chrysler Capital posted payment with effective date of XX/XX/2020 even though the date of receipt of payment was XX/XX/2020 as per USPS receipt. 

XX/XX/2020 XXXX XXXX. I sent message of inquiry about the date difference, no answer XX/XX/2020 XXXX XXXX. I sent a second message complaining about the non response XX/XX/2020 XXXX XXXX. I called Chrysler Capital and spoke with a person who identified himself as XXXX XXXX, who stated they de did not know anything and it looked like the payment was posted appropriately. I asked him if I could email him proof of receipt on XX/XX/2020 and he said no. 

I have mailed a letter of Complaint to the President of Chrysler Capital today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: AL
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:
Ive been a victim of identity theft and I had false accounts reported to my credit report without my consent which is a viotation see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im resubmitting 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 : XXXX/www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 BANK XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XX/XX/2022 ; 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 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 2021-08-06
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I was a victim of Ocwen mortgage fraud and wanted to see if you still handled these cases? I see that Ocwen lost a case with 23 states on mortgage fraud, Case Number : XXXX Due to the housing crises and loss of job and being force to take a job at another company with far less pay, I was working on modifying my loan with Ocwen before 2013 to keep my home in XXXX, Florida. eventually, I actually left my wife and kids and was forced to move to another state to make enough money ( according to Ocwen ) to Modify my loan. I was told everything was moving forward, up until the last week before foreclosure, when Ocwen stopped taking or returning my calls and emails and let my house go into foreclosure. I found out later that Ocwen told the court that they offered to modify my loan and that we refused, this never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The consumer attempted to extend themselves credit through BB & T. On XX/XX/2021 the consumer was denied because of XXXX violating 15 usc 1691. This is a written demand to ceo XXXX XXXX XXXX, XXXX XXXX XXXX and to whoever else it may concern to extend credit to the application the consumer has endorsed this action. And if there is a inquiry or adverse action on the consumer report delete it now or a criminal complaint will be filed.

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 2023-01-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please adjust the following items immediately : 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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. 

Company XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX - has violated my rights. 

Transunion refused to provide documentation on how the accounts were verified. 

15 U.S.C 1681 section 02 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 Stated : 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.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) 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 INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}

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 2020-04-10
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My identity was stolen. Someone opened an account in my name with Cash App. Cash app wont close account unless I provide them account number. I dont have the account number but I can provide the information that was used open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 want to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.

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 2023-05-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple Card was restricted out of the blue on Monday, XX/XX/XXXX and I contacted Goldman Sachs specialist every hour for the last 8 days and they kept saying I will hear back soon with no specific time frame in mind. All they said was that my account was under review and there was nothingt hey can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BARCLAYS BANK DELAWARE
State: TX
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:
On XX/XX/2021 someone used a balanced transfer check from my account for {$1500.00}. There was a {$75.00} balance transfer fee, {$5.00} and interest charges {$22.00}. My first call was on XX/XX/2021. They closed that credit card and sent me another one and said they would investigate the charge. I called again in on XX/XX/2021 to check status because I never received a call or letter from them. Apparently nothing had been done and interest charges keep adding up on my credit card. I was told this would now be compliant level 1. I called again on XX/XX/2021, still nothing had been done. I was told a case had not been opened. So, the account manager said she would open up the case. I insisted on speaking with a supervisor and held several minutes and was disconnected. Called back on XX/XX/2021, the person I spoke with couldn't see if a case was opened and was going to transfer. I declined because I didn't have time to go through another 50 minute conversation and nothing happen. I don't understand why they can't credit the money back while they investigate the check that was used. 
Credit card company : Barclaycard 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 monetary relief
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
my vehicle was repossessed on or around XX/XX/XXXX for a used XXXX XXXX accord with a loan amount of XXXX with an interest rate of 20.38 % at the time of purchase. 
i have sent the company a letter of rescission, well within my right according to 1026.23 12 CFR 226.15 today makes the 20 day period from date of sent letter i have not heard from company Capitol One Auto Finance.

Company response to consumer: Closed with explanation