BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
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: Information belongs to someone else

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

XXXX XXXX  XXXX XXXX & XXXX XXXX XXXXXXXX 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 2023-11-04
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 was result of identity theft

Complaint:
My wallet was stolen 10 years ago. This debt has been on my account past 7 years. I have no knowledge of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the refinance of our home on XX/XX/2021. We were told that we would close sometime between 30-45 days. It's been 80 days since we started and all we get is request for the same information over and over again. There is no end in site, this company took our {$500.00} and has failed to deliver the product. They barely respond to calls or emails, and are constantly lying on the status of the file. They say they will call back then do not. We were told we were priority, and that's clearly not true. There is absolutely no reason for this. 

I am self-employed while my husband works for a company, and they are claiming that new XXXX XXXX and XXXX XXXX guidelines are making it difficult on small businesses to get loans due to COVID. I don't believe this to be true at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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.

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 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 2023-08-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit 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 ordered a credit card from Wells Fargo bank by regular mail and never received it Meaning someone retrieved it and used it and made purchases I asked for another card so they would fedex to make sure I get it this time and I activated it They are accusing me of activating it with my phone but I activated the second card with my phone not the first one that I didnt receive The fraud transaction was on XX/XX/2023 but I received my card after that date The bank refuses to overturn their decision to reverse the charges

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 2021-06-28
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: Was not notified of investigation status or results

Complaint:
Submitted a dispute with Equifax XX/XX/21 and the confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/18 I wrote to Equifax asking for them to permanently remove an extended fraud alert they received from XXXX which I did not ask to have be added to my credit reports. Equifax received my letter for request to remove the extended fraud alert via certified return receipt on XX/XX/18. I ordered my Equifax credit report today XX/XX/18 and the fraud alert is still on my credit report. Equifax has failed comply with removing the fraud alert from my credit file. Equifax recived copies of my drivers license, social security card and proof of residence along with the letter for the removal of the fraud alert. I have yet to receive any correspondence from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Optimum Outcomes, Inc.
State: NC
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 recently filed a dispute in regards to items that are incorrect on my credit report. It has been more than 30 days & I still have not received my results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: FC HoldCo LLC
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: Account status incorrect

Complaint:
Flagship Credit shows my car in bankruptcy status. I never went through with the bankruptcy. The car was also in an accident and the gap coverage paid it off. It should show as a non-collection account paid in full.

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 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 CAPITAL ONE BANK 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: KS
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:
This is regarding dispute number XXXX I withdrew all my disputes for the year with XXXX in order to work directly with them on an outcome after XXXX in the executive office accused me of misrepresenting disputes with XXXX, XXXX XXXX, and Home  Depot  ( all of these are now resolved, see other CFPB complaints ) on a call recorded for quality assurance with Citibank. Please reference the following previous CFPB complaints regarding the conversation with XXXX : XXXX, XXXX, and XXXX. She was non-objective, accusatory, and totally rude. I am asking that the CFPB listen to the content of the conversation. 

I withdrew the disputes through their dispute summary online but also e-mailed billing disputes directly in case there was a problem, Citibank 's dispute summary was acting like it would take a withdrawal and then would reverse it. I had to go back through the account history several times to get several disputes to withdraw. 

After I withdrew the dispute, I received a letter from Citibank through the Notice 's and Letter 's page stating the {$5.00} was permanent as they received reimbursement from the merchant. They state I indicated in my letter that I wanted to dispute this with the merchant. They state they had already done that for me and had closed the investigation of the dispute and were not making any adjustments on the account. 

So, I told XXXX XXXX district manager that they didn't need to reimburse me for this charge. 

I just logged on to my Citibank account. On XX/XX/XXXX, a reversal for {$5.00} for XXXX  came through my account. It shows the original purchase date of XX/XX/XXXX. So despite what Citibank stated in writing, they reversed the charge.

So now, I have to revise my figure to the district manager. I am completely frustrated with how Citibank 's billing dispute department is handling this account. I am including all the supporting documentation for your records, which includes my withdraw, the follow-up e-mail to billing disputes, the dispute letter they issued through their Notice 's and Letter 's page dated XX/XX/XXXX, and the reversal they made on my account on XX/XX/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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX  XXXX, XX/XX/2021 and XXXX, XX/XX/2021.

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 2019-06-21
Company: Credit Plus Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I monitor my credit report very carefully as I am in the process of trying to obtain a loan with XXXX XXXX. 
On XX/XX/2019 I received an alert that my credit was pulled. I checked with my lender as the inquiry was from Credit Plus and the alert said a Lender has requested a copy of your credit report.

My current lender assured me this was not their inquiry as they no longer use Credit Plus. I was contacted by my previous Lender on XX/XX/2019 about the same time my credit was pulled. He called to follow up in my house search I made him aware that I had found a lender that worked with me and my house closing is this month. The next morning I checked again with my lender to make sure it wasnt her team that pulled my credit and again she assured me it was not her. 
I tried to contact XXXX XXXX my previous lender to verify if he pulled my credit report but he did not answer. 
I text him and he indicated he did pull my credit report by accident due to him having another customer with the same name. However I find that very hard to believe if you have to give all my personal information name, address, date of birth and social in order to run my report. 
My lender then asked me to contact his manager to make him aware and to have them remove the illegal inquiry. I contacted XXXX XXXX XXXX  come to find out XXXX doesnt work for them anymore he is now at XXXX XXXX. I then contacted his current manager and still no response. I had to call around to get XXXX XXXX current email and managers email. Once I obtained this information I emailed his old manager XXXX XXXX current manager XXXX XXXX and XXXX XXXX on the illegal pulling of my credit report. 
Not only did he illegally pull my credit report but he took my personal information from XXXX XXXX XXXX and used it to pull my credit through XXXX XXXX. 
I received an email from a XXXX XXXX on XX/XX/2019 expressing apologies on the accidental pulling of my credit and they would work on reversing this act. To this day nothing has been done and the inquiry remains on my credit report. I need this matter investigated immediately. 
Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: NEW CITY FUNDING CORP.
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:
I wanted XXXX  to investigate this but no response from them so Im here because i believe there is a violation against this company for reaging this account and Im sure they didnt take the money off from my gap insurance and when they sold the truck but I would like you guys to investigate this for me and would like this account immediately deleted from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.

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 2021-01-13
Company: LD Holdings Group, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently contacted Loan Depot regarding a mortgage refinance. I explained to them I was interested in estimating what my loan costs/feasibility would be, but that I was unwilling to have them pull my credit with a hard inquiry until we could confirm some information. Unfortunately, Loan Depot still pulled my credit with a hard inquiry without my permission. I wrote to Loan Depot and asked them to provide me with the evidence of the permission I granted ( which was never granted ). They were unable to provide this to me and did not follow up. This has caused my score to decrease and impacted my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
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 according with the fair Credit Reporting Act XXXX Account # 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 furbish an account without my written instructions.

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 2023-10-23
Company: Colony Brands, Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I received notification that a hard inquiry hit my report Via XXXX XXXX. I contacted the company to let them know that I did not authorize the inquiry, and I was told that I would need to wait 5 days until it could be reversed. I continually tried to call the company until I was told I would have to dispute with the credit bureaus. When I disputed said information to XXXX and requested validation, I would receive a response that the information was validated. On XX/XX/2023 I sent correspondence to the company requesting validation, according the Fair Credit Reporting Act I am entitled to be shown an original contract bearing my wet signature authorizing this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report.

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
there are multiple problems with my credit report as listed on the letter attached inquires that are not mine wrong accounts and and inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ROBINHOOD MARKETS INC.
State: AZ
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:
On XXXX XX/XX/2021 my phone was stolen. I had several fraudulant transactions all of which have been resolved except for the transactions made through my Robinhood account. My XXXX XXXX credit cards were effected along with my XXXX Debt Card. All of which are now resolved. I have sent the company loads of evidence which clearly indicated the transactions are indeed fraud and get the same response over and over. The stress of the situation recently put me in the hospital and I have lost wages due to there negligence and attempting to scramble together evidence to preserve my credit score without having to pay these fraud charges like the company is requesting. I would like the following as resolution. Review the evidence attached and fix the problem. I would like my account with XXXX XXXX  to be closed and no further contact from this business ever again. The service and way they treat people is ridiculous. They also refuse to give me a physical address to send a demand letter to as I'm willing to go as far as presenting my evidence in small claims before a judge to let a true professional decide. I've been a XXXX  for 4 years and never seen a company with such a flawed fraud process.

Company response to consumer: Closed with explanation