BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance Owed : {$480.00}, US DEPT ED XXXX Balance Owed : {$1000.00}

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 2022-10-28
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Despite numerous certified letters sent to the credit bureaus and debt collector referenced below, I can't seem to get any resolution on this debt they say I owe of XXXX. I requested proper debt verification via certified letters on XX/XX/2018 and XX/XX/2018 and the only thing I have received is a statement of balances but nothing baring my signature. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper verification is shown. The FDCPA is clear in section 807-8 and the FCRA in section 623-b as to how debt collectors are to verify debt with consumers. XXXX XXXX is not following the law by not providing proper verification to consumers in which they wish to collect from. I request that this negative item be removed from my credit reports due to XXXX XXXX not providing me with proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery has reported a false {$1400.00} debt to my XXXX credit report. I have never had any relationship with the company they claim it is originally from ( XXXX XXXX ). This report is false and fraudulent. They know the debt is not mine, and Enhanced Recovery is reporting it fraudulently as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noticed 2-3 months that someone hacked into my XXXX  account XXXX My XXXX account is linked to my XXXX XXXX and my other XXXX cards are linked to my XXXX app wallet. I advised XXXX AND CHASE that SEVERAL transactions were not mine. They proceeded to tell me that all of them were on my XXXX XXXX ( they weren't and I offered to provide proof but they refused to see it ) and at my local store, so they determined i did the transactions. 

Also in XXXXXXXX XXXX I did attempt two transactions and I was told the transactions were declined. I need one item from order and I paid cash. I was told my receipt would be on my app. The next day I saw the two " attempted transactions '' were pending on my debit card. The store had no proof that I had paid cash. My kids saw all of this occur. I will put them on a stand in a court of law if I need to. 

At this point in time I feel like XXXX  and CHASE is refusing to take proof AND is causing severe emotional trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this XXXX XXXX to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). 
experian and equifax have not responded and they haven't removed this fraudulent account. i filled out a ftc report for this account and they still ignore me. 
pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed to do anything for two months in a row. 
thats against the law and its been more than 30 days since my last letter on XX/XX/2022 Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, XXXX is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. 

XXXX and equifax are breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in disputing all incorrect information on my credit report with transunion to help my file. a lot of information is invalid an is hendering my file. please correct my credit report to 100 % 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: M&T BANK CORPORATION
State: ME
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:
I was looking for a place to live in XXXX, MA for a month and found a place to sublet on XXXX. They had me fill out a rental application, which was accepted, then a lease. I had to transfer money ( {$2500.00} ) to their account then my reservation was confirmed. The subleaser 's name was XXXX XXXX ( XXXX ) and his landlord XXXX XXXX. When I arrived at the apartment the place did exist ( XXXX XXXX XXXX, XXXX, MA XXXX ), but a different person lived there/owned the apartment and it was not being rented. It was all a scam.

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 2022-10-28
Company: EQUIFAX, INC.
State: VA
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 to the credit reporting act XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Earlier this year, I received a call from someone asking if I could verify myself, I refused so they said they were unable to assist me. I then received another call asking me to verify myself again, I then asked them to verify who I was since they were calling me. I was then told that if I do not verify who I am that they are unable to assist me. About month or so later ( I believe XX/XX/2019 ) I noticed a new negative account on my credit report. So, I was never advised that this was an attempt to collect a debt, nor was I advised that I could dispute this debt, nor was I offered any verification of this debt. I still have this debt on my credit report LISTED TWICE FROM TWO DIFFERENT DEBTORS as if there is more than one account in question. However, I have not authorized any chargers nor have I signed any credit agreements for the credit card debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Saks Fifth Avenue customer services are XXXX XXXX I never received the dress. I don't have it in possession. It said it was delivered on XX/XX/2022! However I never got the package. I called on XX/XX/2022 and a customer service representative told me it takes 7 business days before I can file an investigation for a refund. I called on XX/XX/2022 to do as instructed to get an investigation and refund credited for {$62.00} to my account. I was told that it would be refunded. Please explain what your XXXX poor findings came up with to determine this. I have called your online customer representatives 13 times from XX/XX/2022 to XX/XX/2022 and repeated myself each time. 

That is unacceptable. You charge exhausting prices and your service is quite frankly very sub par.. I shouldn't have to pay for items I don't have in my possession. 
Also I refunded the XXXX XXXX XXXX XXXX XXXX XXXX top on this order on XX/XX/2022 on the XXXX floor of Saks 5th Avenue on XXXX XXXX XXXX XXXX to a customer representatives. I expect a full refund for this item! I also had your incompetent representative reorder a size XXXX XXXX XXXX XXXX XXXX XXXX and the representative put an inaccurate email address for which I can't track nor can I receive updates. See the attached screen shot of the order number and THE WRONG EMAIL. Because of this incompetent representative I had come back into the store on XX/XX/2022. I spoke to the same representative on the 5th floor requested he change the email address to the right one. He said I didn't need to. I don't have any of these items. I refuse to pay for it. I will report Saks to the credit bureau. THEY REFUSE TO GRANT A REFUND. I will no longer be shopping at Saks. You XXXX and hold zero accountability for your terrible service. Blame the customer right? You and your team lie squarely at fault for all events.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: CITIBANK, N.A.
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:
I purchased two acrylic prints for my wife for our anniversary. I paid through PP using my credit card. When I received the prints they were damaged and I requested a refund through PP. This went nowhere, so I contacted Citi to step in and resolve the matter. I submitted images to Citi showing the damage and their 'investigator ' resolved the dispute and is holding me accountable. 

How is this possible? I paid good hard earned money for an item, and I received something not as advertised. They had damage, so much so that you can not hang them on a wall or look at them. 

I am requesting that Citi do the ethical thing here and resolve this dispute in my favor for paying for and receiving damaged items. If the merchant wants the damaged items back, they can send me a prepaid shipping label and I will gladly send them back, but I refuse to come out of pocket to mail these things back to XXXX. 

Thank you

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 2022-03-08
Company: EQUIFAX, INC.
State: NC
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 incurred an inaccurate 30 day late payment in my credit report XX/XX/2021. I have contacted all three credit bureaus and XXXX. After 4 months in XXXX the creditor finally contacted me via secure message to tell me that it is incorrect and they would be removing it. I disputed it with all three credit bureaus and included the secure message. The concluded the disputes and did not remove the late payment. This inaccuracy has caused me not to be able to get any loans or build my credit. My next step after this will be suing. I am at a loss and this is wreaking havoc on my ability to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 family lives in XXXX and when XXXX attacked XXXX I was obligated to fly to XXXX to save my family and help them run from there to not to die. 
The situation was horrible there, the building were my family was living was bombed. I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXX.I contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  have violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2019-09-13
Company: Credit International Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A landlord refuses to refund the security deposit and pre paid last month payment, and decided to hire a collection company XX/XX/2019 A collection company, Credit International Corporation in XXXX Wa. fails to serve any documentation. 

XX/XX/2019, XXXX XXXX called and notified that I wasn't responding and therefore they are going in to a collection process. I have repeatedly called back with no answers. 

XX/XX/2019, the collection agency reported a derogatory on all credit bureaus. 

Again this morning, a call was made and Mr. XXXX hung up again, failed to provide me with evidence of debt. 

A letter was written and sent to the Credit International Corporation and filed complaint with FTC and CFPB.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After reviewing my credit report on XX/XX/23 I noticed that there are accounts on there that should not be. XXXX WAS PAID free in clear I have my title for that vehicle as well so there should not be any negative remarks. Receivables XXXX XXXX XXXX is reported completely inaccurate this alleged debt has never been verified even after I sent in a request for an investigation over 3 times. The dates don't match and this is causing extreme hardship for me. I don't know much about how this process works but I do know the FCRA demands that you report 100 % accurate information. XXXX XXXX XXXX is another account that was furnished inaccurately and it was deleted from one credit bureau because of its errors but yet XXXX is still reporting it. Your organization is governed by the same federal laws in which if there's errors with one account it shall be removed from all bureaus.

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 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, XXXX XXXX and natural person, was denied credit by CAPITAL ONE when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX of whom I am the Executor of the Estate/Trust of XXXX XXXX XXXX XXXX through a XXXX presented form the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611, while denying me extension of my OWN credit. They also alined themselves with the dealer in trying to make me put down a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. 
CAPITAL ONE is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE 15 U.S.C 1602 ( p ).

Company response to consumer: Closed with explanation