BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021 I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. 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 explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NV
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:
Accordingly, as per the fcra you were required to conduct a reasonable investigation and delete the disputed information as requested XXXX XXXX XXXX  acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX before the end of the 30 day period of the day.You received my dispute letter on XXXX XXXX thetefore are response was due XXXX XXXX. instead of sending me a response letter within a result of a instigation of the disputed information you mail me a letter daily claimant whatever verbiage Verified. 
clearly you have willfully fell to delete the disputed information requested.In lieu fully fail to conduct a reason above this concerns me as i do not understand how you arrived at this conclusion since the information is indeed incorrect. 
this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditors associated with my earlier dispute under fcra 611 ( a ) filled with on ( XXXX XXXX ) to be more specific, based on fcra 611 ( a ) ( 2 ) ( b ) you were required to forward all of the relevant information i provided by you to the creditor for their investigation of my dispute .please provide me with all the information you used for your investigation of my dispute. please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

please reply withn 15 days or delete the negative items, as originally requested. below are the items that do not belong to me that you continue to report erroneously. 
cellphone, Account # please note that i am taking this matter very seriously and demand that you follow the law, in it entirely, and send me detailed information of how you arrived at your conclusion, or else remove these items.

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 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I Purchased XXXX Sterling Silver Rings From XXXX In A Installment Loan For XXXX In About A Week My Fiance Ring Was Turning And Bending I Then Called XXXX And Complained That The Ring Was Not Sterling Silver And I Wanted My Money Back They Told Me That Was Impossible And That All I Had Was A Warranty For. A New Ring I Stop Making Payments I Eventually Paid Them Off For Some Reason They Put My Debt As A Charge Off And Wont Change The Fact That I Paid It Off

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 2023-05-29
Company: NCB Management Services 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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Applied Data Finance, LLC
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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have continuously tried to dispute this account. I have asked that Portfolio show ownership that I had this account and they sent nothing but a bill, I later reached out to them and asked them provide anything else and they didn't respond. I have sent a complaint already to Cfpb and Porfolio has failed to meet the requirements asked of them. I sent a letter on XX/XX/2018 asking them to cease contact with me and remove items from mu credit and they sent me a settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is an on-going issue I'm having with Experian. They are violation of the FCRA. Per 15 USC 1681 ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SO WHY ARE THEY STILL VIOLATING MY CONSUMER RIGHTS AND SHOWING LATE PAYMENTS AND UTILIZATION ON MY CONSUMER REPORT? THIS IS CLEAR VIOLATION OF THE ABOVED FCRA SECTION. It shows I have charge offs for : XXXX XXXX {$3600.00} XXXX {$3800.00} XXXXXXXX XXXX  {$1100.00} XXXX XXXX {$15000.00} XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  {$110.00} XXXX : XXXX {$1300.00} XXXX {$670.00} XXXX XXXX XXXX {$1400.00} None of my transactions or experiences should be shown. WHY ARE THEY VIOLATING MY RIGHTS AND THE CFPB DOES NOTHING. HELP!! ANY AND EVERYTHING RELATING to my Charge OFF Accounts, Late Payments of credit Utilization should be removed within 10 days of receipt of this statement. I JUST retained a consumer law lawyer to file for arbitration against Experian and any of its affiliated for the violations that I'm incurring. How its causing me gravely consequences even though the violation is as clear as day. I'm looking only for deletions and failure to do so will result in me seeking monetary compensation for each violation granted to me under 15 USC 1681 n1. I will be seeking no less that {$1000.00} usd for each violation and we've counted over 50. PLEASE DELETE ALL RECORDS OF LATE PAYMENTS, UTILIZATION, CHARGEOFFS AND COLLECTIONS PER THE FCRA. THIS IS THE LAW, ITS NO REASON TO REACH OUT TO THE ALLEGED DEBTORS. THIS IS CLEAR VIOLATION AND FAILURE TO RESPOND WITH DELETIONS WITHIN 10 DAYS I WILL REACH OUT TO MY LAWYERS TO START THE ARBITRATION PROCESS SWIFTLY.

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 2022-11-15
Company: EQUIFAX, INC.
State: CA
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'm filing this complaint because my credit reports include fraudulent information. On XX/XX/XXXX, I submitted a dispute letter with all of my personal information attached to the credit reporting agencies. I have reported the theft of my identity to the FTC because I am a victim of identity theft. The things I'm contesting have nothing to do with any purchases I made or gave my permission for, and I didn't gain anything from identity theft either. The Credit Reporting Agencies are obligated to delete any accounts and information included on an ID Theft Report in accordance with FCRA section 605b. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims was obtained through identity theft no later than 4 business days from the date of receipt. I'm asking the credit bureaus to abide by the law and delete the following things from my credit file since they were caused by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-05-29
Company: 1803 Capital, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
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:
Remove all negative items information is not accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2022-03-10
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROGRESSIVE MANAGEMENT S I XXXX XXXX do not have an affiliation with this company. I do not have anything signing to a binding contract with PROGRESSIVE MANAGEMENT S. They have over 8 reportings with my information on it. 

They refuse to remove this from all three agencies. I want them to send me PROOF I have a debt owed to them Show me the signed required documents that I XXXX XXXX owe them a debt If not I demand they remove all trans actions damaging my credit which is underlined in law when requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020. My mortgage lender. Started a escrow account without my knowledge or my permission. ( Chase Mortgage ) I have been told by my Bank this is an illegal action. I am current with my mortgage payments. I've never been late with a mortgage payment. Chase Mortgage bought my mortgage. Or about 10 years ago. I have always paid for my own home homeowners insurance and property tax. When Chase Mortgage bought my mortgage. They bought a credit card debt. Which was in my name but used by my ex-wife. 
Chase Mortgage hounding me with at least 24 applications to refinance. I told him over the phone several times to stop sending me application to refinance. Prior to ... I sent a check for an additional payment on my principal of the loan. The regular mortgage payment and payment on the principal Separate Checks. When I did not find out ... through my bank statement that my principal payment check had been cashed they told me with my principal check had been eating by their machine. Chase Mortgage. Both checks were placed in the envelope side by side if it chewed up one check it should have chewed up the other one. I am a senior citizen and the way I was treated. I felt like they thought I was old and I couldn't do anything about it. In any event they started an escrow account in XXXX of 2020. Whereby they created their own home insurance policy. And I have homeowners insurance. I know for certain you can not have two insurance policies on the same property. already had my own homeowners, so Chase in fact took out their own homeowners insurance and created a escrow account without my knowledge. Then they put a lien on my home. What they were trying to do was collect the credit card debt that they bought when they bought my home mortgage. Or I couldn't go elsewhere and refinance my home with another lender. This can not be proper and just ... for Chase Mortgage to take this action against me since I was not behind on my payments in my mortgage. Chase Mortgage has in fact violated my rights ... as a consumer. Chase knows in fact that I can not hire a lawyer to fight my case so they think they can treat me any way they please. Well, this is an outrage to treat a senior citizen and such a horrible manner. Mainly I want to know what can be done about Chase Mortgage. I found out for my banker that they can not start an escrow account without my signature on my consent. Chase Mortgage did in fact break the law!!! They in fact have the lowest satisfaction rate..of any mortgage company across the USA ... Chase mortgages rating with their consumers is in the 60 % range. For I am definitely not the only person. That has their problems with Chase Mortgage. Please advise on what I should do or how I should proceed with this matter. I live alone, I have no one to help me whatsoever. Chase Mortgage is trying to intimidate me. Or bully me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I discovered a fraudulent wire transfer of {$8900.00} from my account via " Online domestic wire transfer '' to an individual in Florida, whose identity remains unknown to me. 

I did not authorize or initiate this transaction in any way. I have never met or had any dealings with the recipient of this wire transfer, and I can provide documented evidence of my whereabouts and activities on the aforementioned date to substantiate this claim. 

To the best of my knowledge, I have not lost my phone or wallet, and I have taken all necessary precautions to safeguard my account information, including regularly updating my online banking password and implementing two-factor authentication. 

In light of this incident, I immediately reported the unauthorized transaction to Chase Bank, submitting a formal claim for the fraudulent withdrawal. However, I was deeply disappointed to receive a denial for my claim, indicating that Chase Bank does not find any discrepancies in this matter. They have not shared with me any documents that support that I did this transfer. 

I am writing to you today with the hope of resolving this issue as promptly as possible. The unauthorized withdrawal of {$8900.00} from my account has put a severe financial strain on me, and I am left feeling vulnerable and helpless in the face of this injustice. I trust that Chase Bank will take this matter seriously, reevaluate my claim, and conduct a thorough investigation to rectify the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Somebody put a fraud check in my checking account this person has my account information gave out my personal information my social security number, my email address, my ID my full name etc I want this person off all my accounts someone hacked into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I just want to make sure that my bank will thoroughly investigate the claims that i currently have and open. I currently have 4 claims that are currently open and one of the claim is being reconsider. Even though 3 claims are newly open and i just filed yesterday ( XX/XX/2023 ), i just want my bank to fully investigate and contact the third party ( XXXX and XXXX ) and let them know what it is being transpired and approve all my claims and refund all my money

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