BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: GA
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. 

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 Or list of inquiries 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 explanation
Consumer complaint received 2021-07-17
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/2021 someone used my credit card number for a purchase of {$2400.00}. I received an alert from Chase asking if this transaction was mine. I replied with no. They immediately closed my card and sent me out a new one. Well weeks go by and I see that that amount still reflects on my balance. I called them and they said they closed the dispute because they found the charge valid. I asked them what evidence do you have that makes it valid. They said that the card was inserted and they called XXXX XXXX and XXXX XXXX made a general statement that any time they receive a credit card payment they check ID. At the time I had possession of the card so I knew this was not true and that I havent been to a XXXX XXXX in over a year. So I asked them to open the claim back up and further there research. In the meantime I did mine : I called XXXX XXXX and stayed on the phone with them for hours researching transaction done using my credit card and transaction amount but they werent able to find anything with my card number or that amount. So I asked them how do you code your transactions because the transaction code for mine was labeled as XXXX XXXX XXXX XXXX. The representative told me it would not have the XXXX in the transaction code. He also, told me its possible that its a scam. So from there I went online and researched that transaction code and there is tons of threads about this being a scam out of XXXX, XXXX and California. I also went on my bank statements from a year out to see how the transaction from XXXX XXXX is labeled and it doesnt have the XXXX. I provided all this evidence to chase and they closed my case again. So now I am stuck paying {$2400.00} for something I never authorized and declined as soon as my alert popped up on my phone. I dont see a point in the chase fraud alerts if nothing gets done about it. I am really disappointed with Chase and will never bank with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, A couple years ago, in Florida, my walletwhich had all of my personal informationwas lost. During that time I had a breakdown and feared that someone would use my identity to conduct crimes or carry out illegal activities. If you have dealt with this before, you are aware of the pressure it places on you. Since then, I've made sure to always carry something with me to store my stuff, so I can always know where my belongings are. The reason I'm writing today is because I discovered stuff on my credit report similar to then being that I am a victim of theft, that I've noticed now in regard to the Florida event. The following things on my report need to be removed from my file. Again, I am a victim of identity theft, so I'm asking that the things be removed so that my credit report can be corrected. I need this to be taken away since dealing with it has left me quite worn out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed with the credit burueas and I have wrote the company but no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PS sent me a letter dated XX/XX/XXXX which stated that SPS is aware of the issues presented in my RESPA letter and would like to work with me to reach a resolution. However, when I called them they were not able to provide any options for a resolution. I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. There have been so many accounting issues that an SPS employee, XXXX XXXX stated during a phone call that it is impossible to validate historical amounts because the loan data came from a previous servicer. My XX/XX/XXXX Mortgage Statement, notes that my XX/XX/XXXX unpaid payment is {$3400.00}. However, on my XX/XX/XXXX Mortgage Statement it shows my XX/XX/XXXX unpaid payment was {$2400.00}. To date they have not provided an explanation. Finally, they raised my interest rate to over 7 % and did not send a notification. Now, they are threatening to throw me, my XXXX children and XXXX dogs onto the street within days of the holidays. They need to do what they said and work with me on a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Home Point Financial Corporation
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 status incorrect

Complaint:
I had a mortgage loan from the company called Homepoint ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Affiliates Management Company
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: Account status incorrect

Complaint:
To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that 3 late payments was reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my credit card account. 

I want you to know that I understand my financial obligations and for the majority, I have an excellent repayment record. I made a mistake in falling behind, but since then, I have hired a financial planner to help improve my money management skills. 

I'm not proud of this black mark on my record, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. Im planning to apply for a mortgage and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: CAPITAL ONE 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: Reporting company used your report improperly

Complaint:
It has come to my attention that both Capital One and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore, late payments and account balance SHOULD NOT appear on my consumer report.

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both CapitalOne and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by CapitalOne, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both CapitalOne and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX ; XXXX XXXX XXXX : {$8600.00} ; XXXX XXXXXXXX XXXX Balance : {$9300.00} ; XXXX XXXX  XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXXXX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 - I had sent my complaint letter to COINBASE GLOBAL , INC in which I clearly stated how this scam has affected me personally, psychologically and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, COINBASE GLOBAL , INC never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my COINBASE GLOBAL , INC account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXXXXXX  Capital one bank made a hard inquiry onto my account. I was not clear and conspicuously informed of and extended time limit against the Fair Credit Reporting Act. 
On XX/XX/XXXX, I called them attempting to dispute the inquiry and be notified of any laws pertaining to the facts. Their response was " nothing you can do '', " it doesn't matter what the FCRA says '', " We do not have anyone to talk to competent of the facts to speak with '' and even hung up on once I asked how to access the recordings of the call, all very discouraging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: OH
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 XXXX 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 the 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 XXXX months.

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 2022-10-20
Company: AMERICAN EXPRESS COMPANY
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, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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:
On XX/XX/23 at XXXX XXXX XXXXXXXX, I was notified that my Experian account email had changed. Once I got back into my account, I noticed that someone other than me had changed my e-mail address. I also want to note how extremely easy it is to hack into my Experian account and I found out that this is a known issue. When further looking into my credit report, I noted that on XX/XX/23, XXXX XXXX company had a hard inquiry on my account. I tried to reach out to XXXX XXXX with the number provided on my credit report, and all I got was an answering machine noise. I also tried to reach out to Experian to dispute my inquiry, but they are not open on the weekend and I didn't want to wait to file a report and I wanted it documented that I tried to resolve this issue the same day. I have just frozen my account again but I was unfrozen at the time because we had a loan going through.

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 2023-03-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting Act XXXX  account number # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX $ XXXXXXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX. 
Have violated my rights. 15 usc 1681 section 602.8 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage do to relocation an after initial credit report authorization i decided to shop around due to loan estimate I received. 

I contacted a mortgage broker through United Mortgage Wholesale an they keep pulling my credit multiple times on different days. 

Id like to file a complaint against the company for pulling my credit file on multiple days without my approval or authorization to pull multiple times.

Company response to consumer: Closed with explanation