BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian refused to remove inaccurate account that has not been validated. Experian continues to accept summarized typed documents from XXXX XXXX to continue Experian to keep the account in my credit report. 

Experian refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Experian allows this and says account validated it is not. 

There was a settlement just settled with Experian who have not corrected any of their records they refuse to do anything

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 2023-10-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1099c I do not recognize how this account is reporting on my credit report. I do not recognize the account number, I do not recognize the account status, I do not recognize the account high balance, I do not recognize the late payments associated with this account. 
Please delete ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: JPMORGAN CHASE & CO.
State: WA
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:
My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the Chase XXXX XXXX XXXX active for her to use. We contacted the Chase credit card company and filled out the form to remove me as Authorizing Officer, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get Chase XXXX correct this error. The Chase credit card company assured me its being handled each time I called them to say Im still seeing it on my credit report. Chase is now not returning my calls.

This erroneous Chase information has caused my homeowners insurance to triple. Im s XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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:
XX/XX/2020, I applied for forbearance online, I did it again in XXXX, they stated they did not see it on their end. I had to fight to do it over the phone in XXXX. My house sold in XXXX. I was told it would back date since I was having issues applying online and that it wouldnt be recorded on my credit. I am now going through a divorce and trying to buy a house for myself and my kids. They have reported it to my credit. I have spoke with multiple people multiple times who have said it will be adjusted. I stated I needed a letter saying so. They have yet to send one to me. It has been 3 weeks and I have called everyday, some days multiple phone calls. I am going to lose the house. I was told in the beginning to file for forbearance and it has done nothing but prevent me from having a home for my children. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023, I was in my local branch, with an invoice for a vehicle I want to purchase and my Self-Executing attachment that entails the lawful instructions as to its facilitation ( attaching to the banks application for Federal Reserve Notes ). Not a single merited Facilitator can be found within the institution which really hinders my banking activities and rights. According to Senate Document No. 43. 73rd Congress, the Federal Emergency Relief Act, Federal Reserve Act, Modern Money Mechanics, UNCITRAL Convention, UCC, GAAP, TITLE ( s ) 12, 15, 16, 18, & TITLE 31, as well as the Law of Signatures, I can create a Promissory Note that's monetized by my autograph, that's accepted at any Federal Reserve Bank, its member banks and agents. I need straight forward assistance from the " Facility '' herein BECU to do there job and facilitate my loan to the bank in order to pay for my " Necessity ( s ) '' and to not increase the debt of our sinking Nation. I am employing myself by that which I know, never to impede upon any others rights, in Good Faith with Trust that every demand is supplied. As a bank how do I operate under TITLE 12 in application for Federal Reserve Notes?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting 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 have contacted several time XXXX XXXX and XXXX XXXX XXXX  to remove bank accounts from my credit report that they had agreed previously to delete after I paid the owed amount, it has been several months or almost 2 years since I paid those and they are still reporting then to all credit bureaus as charge off - paid but has not removed as they verbally agree to get then remove. 

I have also submitted several letters to the credit bureau asking them to remove the information from my record and they always reply back stating that it was not me who submitted the letter even though I have provided my personal documentation.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 

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 non-monetary relief
Consumer complaint received 2023-08-12
Company: Credit Karma, LLC
State: OR
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:
XXXX on XX/XX/2023 XXXX on XX/XX/2023 There were XXXX charges to my account by XXXX XXXX  that were not authorized. I submitted a dispute request when I noticed the funds missing on XX/XX/2023 for XXXX, and XXXX. The latter was approved, but the former was denied on XX/XX/2023. I have never used XXXX XXXX and had not been asked to submit information. I received a phone call in XXXX from XXXXXXXX XXXXXXXX and explained that I did not authorize any charges on my account, nor did I know anyone from XXXX as well, which was where the money ended up. They stated they would call again for additional info but never did. Credit karma did not call to get any clarification from me but instead denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this account is part of idenity theft and is not mine, per 15 usc 1681c-2 block of infromation resulting from identity theft, and 15 usc 6802 obligations with respect to personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Cash app has taken money from others stating there was a system glitch and money from a transaction was credited back in error and to reference my statement. Well when the statement dropped there was no credit. They essentially stole {$100.00} from me with no proof to support it. 

Date money taken : XX/XX/23 For a transaction they say dated XX/XX/23 {$75.00} {$24.00} XXXX Statement attached showing no credit back of those amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Upgrade, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Unwilling to close account because of " verification '' processes. Claimed to send email, but never received. Upgrade has been uncooperative since day 1 of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
I have been demanding to have these accounts removed with XXXX and experian, and they refused to do so. I have been in communication with XXXX and experian, they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf. They did not respect my rights to privacy, nor did the have any written instructions from me pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ). Please see the following XXXX accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit ADDRESSES THERE SHOULD ONLY BE XXXX XXXX XXXX XXXX XXXX XXXX ALL PHONE NUMBERS- EXPERIAN ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX card ADRESS THERE Should only be XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NAMES Should only be XXXX 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear CFPB, I have made attempts to call your office at the number listed online, ( XXXX ) XXXX ) and this is not a reachable phone number!! It sounds like it is disconnected. 

Therefore, I attempted to send you an update on my case ( complaint # XXXX ), but you had closed the case before I have received a resolution! 

The letter I received by email from CITI Executive Response Team ( Citi # XXXX ), advised they did not service the Sears Warranty and " deflected '' the problem by providing a phone number to me to call XXXX ( XXXX ) XXXX. I might add, a phone number I have already called repeatedly! They did not provide any assistance to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Collection Management Holdings, LLC
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 am writing to bring to your attention the presence of a fraudulenXXXX XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX  credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-09-07
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021, I started to address my credit and several issues on it. CBS reported 4 collection accounts from XXXX XXXX XXXX, all have XXXX XXXX. I disputed these collections twice through XXXX  and mailed 2 direct furnisher dispute letters to CBS, both went unanswered? I have very good insurance through XXXX XXXX KY and wanted to make sure all medical billing was correct and I truly did owe these amounts. Plus I wanted to make sure these 4 supposed collections were not from one medical service and should only be 1 reported collection. But since CBS will not respond, these questions remain unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BARCLAYS BANK DELAWARE
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : BARCLAYS BANK DELAWARE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-06-15
Company: Southwest Recovery Services, 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 am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Valor Intelligent Processing, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my consumer report. I see that your company have put a collection on me for a XXXX account. I don't know anything about this collection let alone that XXXX account. where i live comcast does not come to my home. My name has been used to get unnecessary accounts open. I have tried to contact your company and the original creditor they are telling me that they have no record of me having a XXXX account. I am reporting this because this is inaccurate information and I would like this to be remove and not have statements sent to me. I don't like being harass or constantly contacted for a debt unknown to me and is a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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:
Today I spoke to XXXX employee number XXXX at Equifax about fraud on my credit report concerning inquiries. 
After first asking if he was the fraud department I was put on hold while he located my credit file. 

I spoke about the two FTC letters that I had previously sent to have inquiries removed that were part of identity thief and that were not tied to any accounts that are reporting on my credit file. 

I have included XXXX letters that I filed with the FTC concerning the inquiries and the letters I sent along with the FTC LETTERS. 

I was told by XXXX that inquiries are not disputable and when ask about document of the stated process concerning inquiries I was told I can have that document. 
I was also told that they were not removed even though I received a letter stating they were was because I didnt separate the duplicate inquiries as separate line items. 

As you can see I have sent multiple lettersFTC reports and Equifax even had a fraud alert that I never requested on my report while some of the inquiries took place!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank harassing me with multiple calls daily from XXXX ( XXXX ) XXXX. Asked them to stop and they continued with this tactic

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 2021-06-30
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation