BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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 hope this message finds you well. I am writing to formally dispute an account on my credit report that I believe to be a result of identity theft. The account in question is a XXXX XXXX account with a balance of {$2400.00}. 

I assure you that I have no knowledge of or association with this account. After thorough examination of my personal records and financial statements, I can confidently state that I have never entered into any agreement or incurred any charges with XXXX XXXX for the aforementioned amount. 

To address this issue promptly, I have already taken proactive steps by submitting an identity theft complaint through the official channel at identytheft.gov. This complaint includes all relevant details and supporting documentation related to the disputed account. 

Considering the severity of identity theft and the potential implications on my financial well-being, I kindly request your urgent attention and assistance in investigating and rectifying this matter. I would appreciate your immediate action to remove this account from my credit report until the identity theft investigation is concluded. 

Furthermore, I would like to request a written confirmation of the receipt of this dispute letter and regular updates on the status of the investigation. Please ensure that all communication pertaining to this matter is sent to my current mailing address on file. 

I have always maintained a strong credit history and have promptly resolved any legitimate financial obligations in the past. It is disheartening to find myself in a situation like this, and I trust that you will work diligently to rectify this matter and restore the accuracy of my credit report. 

Thank you for your attention to this dispute. I look forward to a swift resolution and appreciate your cooperation throughout this process. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided below.

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 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a credit limit increase on my Capital One Platinum credit card on XX/XX/2023. I was denied later that day. The reason given in the declination letter was " There is legal action pending against the applicant. '' This is not only untrue, but it is potentially damaging to my reputation. There is no pending legal action against me. I called Capital One and spoke with a representative to get clarification. After a brief hold, I was told by the rep, who spoke with their manager, that they are unable to access my personal records or give me any other clarification ; I was told to contact the credit bureaus. This was an unacceptable and evasive non-solution. Capital One accessed some form of information and used it against me in this credit decision, yet somehow they can not divulge said information to me? Incidentally, I did access my credit reports from XXXX, XXXX, and XXXX just to check, and none of them report any public record or legal action pending against me. 

I demand to know the basis for this denial. Since it was used against me, I have a right to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that identity theft occurred to me. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must within 4 business days remove or block any items that were opened without my knowledge, consent, or authorization if you provide the following : ( 1 ) valid identification ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer stating that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Company: EQUIFAX, 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:
I have been submitting complaints in the CFPB regarding Equifax for quite some time now and it always saddens me when Equifax uses stall tactics. They have been receiving my letters and complaints for over a year now and it is just unprofessional for them to constantly ask me to verify my identity. I should not have to CONSTANTLY reassure them that I am addressing the inaccurate items on my credit report. I can only suspect that the ONLY reason why they use deviation tactics is because they can not verify the information on my credit profile that is being disputed. I submitted the complaint/ dispute and moving forward I will be disputing any and all inaccurate information on my credit report because it is my right. I have the right to a credit report that is 100 % accurate. If Equifax was as diligent as verifying inaccurate information on my credit report that they are with verifying me as a person I wouldn't have to submit complaint after compliant. It appears they do this to stall. The FCRA describe the dispute process and Equifax never follows the FCRA guidelines this is shown blatantly with my dispute which was filed via mail OVER 120 DAYS ago. Most recent complaint and dispute was filed via the CFPB so I can have a actual record of my communication with them in the event I have to move forward. In complaint XXXX Submitted XX/XX/2022 regarding # XXXX XXXX, XXXX, XXXX and XXXX. None of these accounts have the legal backing to be on my credit report according to the FCRA " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. '' XXXX has not provided this " original contract '' because they can not verify this information. By providing the " original contract '' because their isn't XXXX from me. Equifax needs to remove these account Immediately. I have been more then patient and Equifax constantly stalls my complaints and disputes. I am herby requesting that Equifax expedites there process and remove this account from my credit profile. 
XXXX XXXX isn't a XXXX bill with a letter head, it is some contract that should be between me and whatever company XXXX is claiming to have ownership or that account. If they have not submitted this to Equifax it's because they can't verify those account and thus needs to be removed at least until they submit proper documentation according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have constantly asked this company to update my personal information that is inaccurate and not current. Please have these updates made immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a natural person/not a third party company I contacted portfolio recovery associates LLC Regarding an alleged debt claimed that I owed. An consumer defined in the FDCPA is obligated or alleged obligation same meaning as the word debt. They failed to provide me 5 validation that constitutes that validates a debt pursuant to 15 usc 1692g the first time they contacted me. I requested 5 validation of the debt for them to provide to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 HAVE A FEW CREDIT CARDS FROM CAPITAL ONE FOR OVER 20 YEARS WITH A SCORE FROM THE 3 CREDIT BUREAUS OF XXXX. 
I ALWAYS PAID THE FULL AMOUNT ON TIME. 
THIS CREDIT CARD COMPANY CALL ME OVER A LOT OF TIMES TO KEEP INCREASING THE CREDIT AMOUNTS IF I PAY ONLY THE MINIMUM AMOUNT, AND I TOLD THEM NO. THEY WERE HARASSING ME. 
LAST XXXX I HAD SOME REPAIRS ON MY CAR FOR AN AMOUNT OF APPX {$1300.00} AND THE PEOPLE FIXING IT THEY DID A VERY BAD JOB .I HAD NO CHOICE BUT TO PAY THE BILL IN ORDER TO GET MY CAR BACK.

IMMEDIATELLY I NOTIFIED CAPITAL ONE TO DISPUTE THE CHARGES.

THEY TOLD ME THAT IT WOULD TAKE 60 DAYS FOR THIS TO HAPPEN.

I ASKED THEM TO SEND ME A REPORT OF OUR CONVERSATION THEY SAID THEY WILL IN ABOUT TEN DAYS. THE REPORT NEVER CAME. I CALLED THEM IN XXXX XXXX XX/XX/2022 XXXX 2022 NOTHING. 
CAPITAL ONE NEVER CREDITED MY ACCOUNT FOR THE AMOUNT OF {$1300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Revolut Technologies Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
Yesterday, I received an sms to pay for a parcel I was waiting for. In the sms there was a link to pay for shipping. I used the link and tried to pay with my revolut card. A code was asked and I received it via sms as well. I encoded the code. 
The transaction was not performed. 
During the night, several transactions were made in my revolut account and the money was stolen. 
Revolut considered that is my fault and they can't return my money.

Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: AES/PHEAA
State: FL
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:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer.

Secondly, FedLoan mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place.

According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer has been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that FedLoan Servicing produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple FEDLOAN Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear [ CFPB Representative ], I am writing to file a complaint against Wells Fargo regarding an issue that occurred approximately one year ago. I attempted to open a business account with Wells Fargo and was denied, however, a remark appeared on my credit report indicating that an account was opened using my social security number without my consent.

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 2020-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit with Experian.com. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a XXXX  XXXX  with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit

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 2021-11-30
Company: Navient Solutions, LLC.
State: MI
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 have a XXXX day late payment reporting on all of my Navient accounts for XXXX of XXXX although I was current for XX/XX/XXXX. I contacted Navient and the issue wasn't resolved. I filed a dispute with XXXX via certified letter with return of receipt asking for verification of the late payment. XXXX XXXX stamped the receipt XX/XX/XXXX. I was mailed the dispute results that were completed XX/XX/XXXX reporting accurate and updated with no verification of the late payments. I contacted XXXX and asked for the verification and they stated Navient didn't send it and that they will not bring the late payment to current although they do not have verification of the late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Within the last few weeks I've been having a lot of issues with PNC Financial Institution. There have been three separate incidents that have caused me to think that this corporation may not be as reputable as I once thought. My first two issues were temporarily resolved however, this last transaction dispute that I've had with them is the absolute deal breaker. An ACH debit was processed in the amount of {$700.00} on XX/XX/2018 which caused my account to overdraw in the amount of $ XXXX. I was correctly accessed a {$36.00} fee, bringing the balance to XXXX. There were three separate deposits of {$240.00}, {$30.00} and {$2.00} were made on XX/XX/2018. There were then 5 other transactions that went through for a total amount of {$45.00}. Another deposit of {$450.00} was then transferred to the account. The deposit was made at XXXX eastern time which is in fact prior to PNC XXXX XXXX deadline for a deposit to avoid insufficient fees. At XXXX on XX/XX/2018 my account had {$0.00} available as a result of the deposits and transactions throughout the day. On XX/XX/2018 I was accessed two more {$36.00} fees. The {$450.00} deposit that was made on XX/XX/2018 was showing as pending. It has been told to me in the past that if the deposit is " pending '' it is still showing in your account which should prevent from receiving fees. I have reason to believe that PNC bank is scamming their consumers by adding inaccurate fees. Please see my attached documentation that which reflects the each transactions including the deposits. In addition, it has also been told to me by a PNC rep and branch manager that their system is reflects differently than that of which the consumer is able to see via their online or mobile banking. That is unethical because consumers are misled to believe that there accounts are in good standing only to be inundated with fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/2022 I filed bankruptcy to save my home. My lawyer said if my mortgage company approved my loan modification then there was no need to go through with the bankruptcy. The mortgage company approved the loss mitigation so my lawyer said not to make the first bankruptcy payment so it would be dismissed and removed from credit. It was dismissed in XX/XX/2022 for {$0.00} but they are STILL reporting it in my credit reports hindering me from receiving jobs and any credit.

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 2022-04-06
Company: Block, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Noticed two unauthorized transactions in my XXXX XXXXhecking account from CashApp. Upon investigation I saw that CashApp had paid {$300.00} and {$250.00} within the space of a few hours on XX/XX/2022 to an individual named XXXX XXXX.I know no one by this name. I filed fraud complaint with CashApp. CashApp responded several days later stating that I had made the transaction or that I had authorized someone to make these transactions. This is absolutely untrue. CashApp made this determination without ever speaking to me. I do not know how the individual going by the name of XXXX XXXX was able to hack into my account but it was done without my knowledge or consent. I requested documentation regarding the basis for the.decision to deny claim but as of XX/XX/2022 no documentation from CashApp has been received. Police report has been filed regarding this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit with XXXX. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a single Mother with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit

Company response to consumer: Closed with explanation