BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: The CMI Group, 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:
On today XX/XX/2021 I contacted the offices of Credit Management , LP to speak with a representative regarding a collection account listed on my credit report. While speaking to the agent and asking questions regarding the account she continually became upset. I asked several times was there someone that I could contact via email she then intentionally disconnected the call in the midst of me speaking. Before hanging the phone up in the middle of the discussion I tried asking for her name and or representative credentials, she declined. She repeatedly asked me to verify an account that Ive notified Credit Management and the original creditor XXXX XXXX was a fraudulent account. I also spoke with a fraud department representative of XXXX XXXX who asked for a police report that I could not provide because I no longer reside in XXXX and the police department here in XXXX notified me that the account is too old and the police report should be filed in XXXX the original state where the fraudulent account was opened. Ive asked Credit Management on numerous occasions for validation of this said debt whether it be my signature on any original documents or my drivers license along with any documentation proving that I did intact open this account with XXXX XXXX. None of this could be provided to me. This would be my fourth attempt at handling this derogatory account with both the original creditor and the collection agency. Ive filed a previous complaint with the CFPB which in response Ive noticed an update on XX/XX/2021 where the account is now being listed as closed with a balance on my credit file, not removed. However, although they ( Credit Management has closed the account according to my credit report I received a letter today dated XX/XX/2021 from Credit Management regarding payment on this now closed account. Ive spoken with several different representatives of Credit management and Ive also reached out to XXXX XXXX on XX/XX/2021 to resolve this matter. To which each attempt has been unsuccessful. Although this debt is not mine and nor can any documents be provided for validity of this information Ive offered to settle the account with the hopes of having the account permanently removed from my credit report for inaccurate and not factual statements, this was also denied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
YOUR COMPLAINT I am filing a complaint against XXXX, Transunion, and XXXX XXXX XXXX XXXX. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, 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 2022-11-06
Company: SYNCHRONY FINANCIAL
State: MD
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: Problem with personal statement of dispute

Complaint:
XXXX XX/XX/XXXX I ordered furniture from XXXX XXXX who offered me credit from XXXX XXXX XXXX XXXX Synchrony Bank, I accepted the credit offer since they would not charge the card until furniture was delivered, which should have taken no more than a month to be delivered. I checked in with the furniture store a month later to find out the status of my delivery only to find out that they have no idea when the furniture was going to be delivered, according to XXXX it could be XXXX or XXXX of the following year, immediately I sent her an email stating I wish to cancel order immediately because I can not wait that long for the furniture. I then called Synchrony Bank and asked them to cancel credit card. XXXX XXXX reached out to me asking me to reconsider keeping the furniture and my response was the same cancel the order. In XXXX of XXXX they attempted to deliver the furniture to my home which I did not accept. 
They then charged the credit card almost {$800.00} for restocking fees and Synchrony Bank paid them. I have reached out to the bank several times and discuss the issue with them and sent all communications with the furniture company to them as well. To date they have not and refuses to remove it from my credit and obtain the moneys back from the company. Instead they told me the credit card and the bank have an agreement so they are unable to resend it. This all happened after I have already called the bank prior to them delivering the furniture. When they finally cancelled the order they returned half of the funds to the credit card company instead of all of the funds. They claimed the rest of the funds were for restocking fees, ( see attachment # XXXX ) there should not have been a restocking fee because order was cancelled way before furniture arrived at their warehouse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid and I called them and I showed proof that it was taken care of and they still put it back on my credit. Either thaey got me mixed up with a family member or else they are committing some type of fraud against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act and XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
There was a fraudulent capital one account opened in my name. I have reported it to XXXX and following the steps they recommended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am XXXX XXXX. Post XXXX and XXXX XXXX XXXX  Veteran VA File No. XXXX looked at all three credit reports dated XX/XX/2019 from transunioun XXXX andd XXXX and Not only do i have negative information that has not been automaticaly removed after 7 yerars but also i have estimated at least 20 inquiries that has really lowered my fico credit score to below 524. I cant even use my va housing gi bill to buy a home with and i have the chapter XXXX post XXXX / XXXX benefits. I am living in a veterans dorm shelter in XXXX Nevada full of XXXX and XXXX. The Inquiries alone have been on my credit reports for years. All I am trying to do is get a starter unsecured credit card so i can rebuild my credit and have all negative and inqireis immediately removed so i can at least get a XXXX to XXXX fico score that is needed by the veterans admininstration to buy a home as a XXXX   veteran. Here is the inquiries list. And also some of these was done without my immediate knowledge. 

Here we go 1. Auto finance inquiries within 24 mos 7 2 Auto finance inquiries within last 7 years 8 3. cash advace inquiries within last 24 mos 7 4. Cash advance inquiries within last 7 years 16 5 All alternative credit inquiries within last 24 moa 14 6 All alternative inquiries within last 7 years 24 7 paid payday loans within charge offs within 24 mos 2 8 All paid charge offs within last 24 mos and 7 years 5 9 All open charge offs within last 24 mos 2 10 ALL Open charge offs within last 7 ywars 6 I am requesting if your organization can investigate and fix all problems. Tired of living the way i am living as a XXXX vet with no new car no home to buy on my gi bill and no starter unsecured credit card to start with. For all I did for this country I am living like this. Appreciate your assistence. My mailing address is : Mr. XXXX XXXX XXXX XXXX   XXXX XXXX Nevada zip XXXX. Tel no. XXXX Also i am having problems getting a credit report from XXXX and transunioun. once they clean all of this mess up can you have all three credit breaus mail me an updated clean credit report. Thanks again for all of your assistence

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 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my account on Friday XX/XX/XXXX and they have a pending closure date of XX/XX/XXXX. I was have not able to pay my late rent or car note because of this. I have not been able to provide food for my family. They have been giving me the run around as I explained that I need my money from this account to take care of my small children and pay my bills. I called them everyday XXXX  and XX/XX/XXXX and they still dont know when I will get my money. I explained this is creating a hardship and may cause me not to be able to pay my rent next month. They told me it could be 10 business days for them to even review my hardship withdrawal request. This is ridiculous. 


I had XXXX  direct deposit from my employer go into this account on XXXX  and they wont give me my money. Since I have not been able to get my money when they have the ability to allow me to withdraw my funds from the branch and close the account.

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity was stolen. A Capital One Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted Capital One several times. I have sent a certified letter with information they requested. I have followed up with company by phone. Capital One will not give me any information about charges or how the account was opened. The information Capital One says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. 
The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud Late XXXX of XXXX information is with the Postal Inspector XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until Capital One. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with XXXX XXXXXXXX XXXX. I let XXXX XXXX know these were fraudulent charges and sent over to them the information needed to prove fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: FORD MOTOR CREDIT CO.
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more the seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was never contacted by this company. One day my neighbor grabbed my package for me while i was at work and there was a very embarrasing packet on my porch stating that I was being sued. it wasnt in an envelope or anything.They have not once made contact with me or left a voicemail. It is also very humiliating when your neighbors tel you that you are being sued. Thats kinda personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: GOLDMAN SACHS BANK USA
State: MA
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:
Someone opened a credit card using my identity back in XX/XX/2023. The card was for XXXX XXXX and issued by General Motors. I filed a dispute online with all 3 credit bureaus back in XXXX once I saw the fraudulent account. After they investigated, they reflected the card was closed by grantor. Now, they my credit score is tanking because they're reporting that I'm 60 days late on payment for it! I did not initiate application for that card whatsoever! How can my credit be ruined by a closed account that wasn't mine in the first place?! My scores were in the low XXXX 's! Now their in the XXXX 's! Please look into this as it's killing my excellent credit. I'm XXXX XXXX XXXX and have excellent credit. I want the bureaus to restore my reports to what they were prior to the reporting of that fraudulent account. Thank you kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: MI
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: Problem with personal statement of dispute

Complaint:
Somee how I recived a amazon chase credit card, the day I got it i cut it up, then I statred gettting letter from Cahse and threw them away because I nevr used the card.

i get a call saY i OWED THEM XXXX BUCKS FOR THE PLEASURE OF HAVING A CARD i DID NOT WANT NOR DID i ASK FOR..

Today I saw my credit scre go down 8 points becuae I didn't pay there extrtion fees..

nobody at chase can even tell how or way I got the card or if I ever used it or for what.

i cut them a check to ty and preserve my credit ratings..

Help how can they treat people like this!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX  Account name ( XXXX XXXXXXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX  ) Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Bread Financial Holdings, Inc.
State: MI
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation