BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX   XXXX  Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2023-10-21
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Had a barcleys credit card opened in XXXX 

Rewards stolen, apr incorrect, credit line, and tried to reopen, declined... all credit stolen ... by XXXX 

Identity ... theft defamated discriminated forgery restricted discriminated ilegally, persecuted ilegally, retaliated defamated blacklisted Miles rewards, etc.. gone...

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 2023-02-15
Company: DISCOVER BANK
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 information incorrect

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 # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Discover Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section A states I have a right to privacy.

15 U.S.C. 1681 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 explanation
Consumer complaint received 2022-03-28
Company: Stern Recovery 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: Information belongs to someone else

Complaint:
On XXXX Stern Recovery Services added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and. Stern advises that they don't buy or transfer account however their website at www.sternrecovery.com advises that they do. I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Stern Recovery Services has violated my rights as a consumer and I am requesting legal action to remove this account 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 2023-08-24
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:
Subject : Urgent Action Required : Identity Theft and Inaccurate Accounts on My Consumer Report ( FTC Report No. XXXX ) Dear Consumer Financial Protection Bureau, I am writing to urgently address a critical matter involving identity theft and inaccuracies on my consumer report. I appreciate your attention to this serious issue and kindly request your immediate intervention to rectify the situation. 

Account Information : XXXX. Account Number ( XXXX XXXX ) : XXXX Reported Date ( XXXX XXXX  ) : XX/XX/XXXX XXXX. Account Number XXXX XXXX  ) : XXXX Reported Date ( XXXX ) : XX/XX/XXXX I would like to emphasize that this situation is indeed a case of identity theft, and it has been reported to the Federal Trade Commission ( FTC XXXX under Report No. XXXX. This adds an additional layer of concern to the matter, as my personal and financial information has been compromised. 

In accordance with the Fair Credit Reporting Act ( FCRA ) rule under 15 USC 1681, I am fully aware of my rights as a consumer. The presence of these inaccurate and unauthorized accounts on my credit report has caused significant distress and disruption in various aspects of my life. 

I implore you to undertake a thorough investigation into this matter. The inaccuracies on my consumer report are not only unjust but also a violation of the FCRA guidelines. Given the involvement of identity theft, it is crucial to swiftly address and rectify the issue to prevent any further harm to my financial well-being. 

Enclosed with this message is my FTC Report No. XXXX, which provides detailed information about the identity theft incident. I believe this will be instrumental in your investigation and resolution process. 

I am confident in your ability to bring about a swift and just resolution. Kindly remove these inaccurate accounts from my consumer report with XXXX, taking into consideration the gravity of identity theft and the implications it has on my financial stability. 

Your immediate attention to this matter is greatly appreciated. Please feel free to contact me if you require additional information or documentation to facilitate the resolution process. 

Thank you for your understanding and assistance in this distressing situation.

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 2023-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo loan modification is fraudulent I was called and said I had to be there at XXXX oclock to fill out paperwork or I lose my home. I further looked into the payments {$32000.00} is missing they said that it was back payment but I never miss a payment prior to or now on any payments. Also, on the modification they gave me theres a base payment theres no adjustment for principal payment only for the interest and when you do the math it does not add up.Been trying to straighten this issue out with Wells Fargo to no avail.

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 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Ive called multiple times to stop solicitation offers and I am on the do not mail list. This is a continuing problem and I have asked to be removed from their list on multiple occasions by taking the time to call them. Im still receiving unsolicited offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 was denied services by an airline company and reported the same to the credit card company and requested a refund.THey initially provided a response from the merchant and asked for my response.When I provided my response, they did bot resolve the request and are saying merchant is not willing to give the money, When I asked to share the response from the merchant, they are just ignoring and not responding

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 monetary relief
Consumer complaint received 2018-10-26
Company: JPL Recovery Solutions
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company contacted me. I asked them first to send me verification of the debt. They advised they would email it to me. I never received an email and checked my spam daily to make sure I didn't miss anything. 

They called back and said somehow they forgot to send. I waited again and did not receive an email. Gentleman called back and accused me of lying and not wanting to pay the debt. I advised him that I simply wanted verification of the debt and his company 's legal entitlement to collect the debt, as it was not on my credit report. 

I then asked for his name and mailing address so I could send a request for debt verification in writing. He refused to give it, kept talking over me and not addressing my request for this information. He then threatened to garnish my wages for the full debt amount and not the offered settlement amount. He became irate and very combative like nothing I had ever experienced before.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute on XX/XX/23. 
Credit Karma have me a due date of XX/XX/23. 
Credit Karma declined my dispute before the due date on XX/XX/23. 

Credit Karma is refusing to provide me in writing there reason for declining my dispute. They said verbally that it was declined because I did not send in the documentation before the due date. But looking at the dates in this complaint you can see that their statement why they declined my dispute is false. 

My past experiences with how they handle disputes is corrupt and that they don't follow federal regulations. They only want to make verbal statements, refuse to provide statements in writing. 
They don't provide documentation or contact information for their department that handles the disputes. I have a legal right to due process and they are violating federal guidelines by not providing documentation, requested documentation or verification that your dispute is even being investigated. They don't want to provide Any verification. I believe that my dispute was never investigated because they did not provide any documentation and they declined it before the due date. And now they are ignoring my requests for documentation to show why they declined my dispute or documentation to verify that it was even in investigated. 
They should not be allowed to handle peoples money it's a breach of fiduciary responsibility and federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: IL
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 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 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 a 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 2023-05-01
Company: JPMORGAN CHASE & CO.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Summary of events On XX/XX/XXXX I opened a Home Equity Line of Credit with XXXX XXXX On XX/XX/XXXX I received and cashed a {$50000.00} disbursement check from XXXX XXXX into my XXXX XXXX XXXXXXXX checking account On about XX/XX/XXXX I was called from who appeared to be a Chase Bank ( on the caller ID ) and was questioned about the check, I did not provide any information other than telling them there was no authorization for Chase to have this check and that I had previously cashed it already. 
On XX/XX/XXXX my XXXX XXXX XXXXXXXX checking account was adjusted for what I was told is a duplicate deposit of the XX/XX/XXXX posting, I was told that XXXX had the rights to the check since they were the issuer and they needed to proceed with any type of claim at this point. 
Upon further research into the matter with XXXXXXXX XXXX I was told that XXXX XXXX XXXXXXXX was successfully paid on XX/XX/XXXX and that the check was presented a 2nd time at a Chase bank on XX/XX/XXXX. XXXX will not definitely say if they allowed the check to be cashed the 2nd time. 
I am getting conflicting information on who retracted the funds from my account, XXXX XXXX XXXX says JP Morgan Chase and XXXX says XXXX XXXX  XXXX or JP Morgan chase needs to be involved. 
JP Morgan Chase will not tell me anything and I am powerless at this point to do anything further which is why I switched my direct deposit from XXXX to XXXXXXXX XXXX. 
My checking account at XXXX is currently in deficit of {$35000.00} and XXXX XXXX XXXX refuses to open a claim no matter who I speak with, they claim I need to go through XXXX for wrongfully disbursed funds and they are going to close my account on XX/XX/XXXX if I don't bring it to a XXXX balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: AL
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 agency 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 furnish a 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 2023-05-27
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX XXXX This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with zero ( 0 ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXXXXXX while I have paid and have my receipt. Experian DO NOT PLAY THEIR GAME! They are probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Experian update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning. As you can see I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too, I have proof of everything I say. Again update my credit history how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything or anybody on this earth and the universe except GOD and he is by my side!

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