BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NY
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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2020-09-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to r equest the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of Identity theft, on XX/XX/XXXX I was checking my credit report and notice my score has taken a major decrease in points dropping down over XXXX points. I have reached out to to the credit card company multiple times but have not gotten a response. This account was opened in XX/XX/XXXX without my consent or knowledge. This credit card does not belong to me. I have filed an FTC report that I will attach to this which is proof its not mine. I was a victim of the XXXX Data Breach and have had fraudulent inquiries pop up in the past because of it and fraudulent accounts that I was able to stop before the thief used the credit. This account is affecting me and my family from getting are dream home. Its affecting me getting a better job, and even better insurance for my family. I am a victim and I should not have fraudulent credit card info on my credit report. XXXX Bless

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 2023-01-23
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX is the amount they are requesting plus fees according to associates with this law firm for a debt purchased by XXXX and handled by this law firm. Prior to purchase XXXX did not properly notify me of debt being purchased from credit XXXX, nor provided any hardship plans or repayment plans other than demanding XXXX plus fees in lawsuit for old debt The timeline for notification of this debt is them opening a lawsuit in XXXX and me finding out by looking on the XXXX court website. They made no effort to inform or work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX i was sent email from XXXX XXXX XXXX saying that XXXX XXXX reported two cases at a home where I never rented from or signed a lease too on my credit report and consumer report. The property was leased to my father and we share a name. Its preventing me from renting a home for my XXXX child and family. I started a dispute process however, it can take up to 60 day when i have until XX/XX/XXXX. I never missed a single rental payment please help me clear my name. Equifax I believe is the credit report its pulling from ive told them in the past of this issue however it was never resolved even though i sent in documents XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One Lied to Me About Removing Its Wrong, Late Payment Fee That Stays On My Account : I paid {$100.00} to Capital One, through my XXXX XXXX XXXXXXXX online bill pay service. But Capital One did not quickly post my payment, despite getting it on XX/XX/XXXX. Capital One instead, sat on my payment, as I kept checking my account with them online. So, on XX/XX/XXXX, I called my Capital One Quick Silver Master Card customer service, at XXXX, to see why my payment still wasn't posted. XX/XX/XXXX was the deadline date for my payment, but the female agent I first spoke with, said Capital One had nothing from me, so I should check with my bank about what happened to my payment. My bank assured me my payment was with Capital One. So, I called Capital One again on XX/XX/XXXX, and got a male agent, who said he was checking to see where was my payment. The male agent put me on hold a few times, I heard a child in his background, and the agent finally, told me Capital One had no payment from me. The agent added, Capital One will of course place its late fee on my account, if my payment would not arrive by that day! I got angry, since no honest worker should prematurely speak of late payment fees not yet added! It seemed like the agent already knew Capital One was premeditatively planning its " late '' payment fee! I hung up, found online the name of XXXX XXXX, as Director of Operations for Capital One, and e-mailed him at XXXX. I got no reply to my XX/XX/XXXX email. But as I checked my Capital One account online on XX/XX/XXXX, I saw my {$100.00} finally posted that date, according to Capital One records. And I saw no late fee, and believed Capital One was not going to incur any. I was wrong! I checked online again in early XXXX, and saw their {$25.00} late payment fee! So, I called customer service again, since I read any credit card customer who always pays on time, may easily get a first-time late fee waived, by asking their card 's customer service agents to do so. And as I spoke with a Capital One agent, he said Capital One will remove the late fee. But that was a lie! The late fee remains on my account, as no one replies to my XX/XX/XXXX email to XXXX, nor honors what one agent claimed about waiving that fee! Capital One 's monthly written statements say I could pay my debt within 3 years, by sending {$70.00} every month. So, I send {$100.00}, as I try to get out of their debt a little sooner. But Capital One wants to keep me indebted for longer, by imposing their bogus " late '' payment fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender Bank of America placed insurance of my property and I was never fully explained how it worked. My old policy was somewhere around {$990.00} and Bank of America said that lender placed insurance would be slightly higher than what I could purchase myself but their policy was lower than what I was paying. I thought why shop around since lender placed is lower than what I was paying, I never was explained that lender placed insurance would only cover the structure of the house because that was all Bank of America had interest in. On XX/XX/2020 my truck was stolen while parked on the property of my residence with many of my belongings including many of my childrens XXXX presents. My truck was recovered with none of my belongings in it. Ive tried to file a claim with XXXX insurance company to no avail both for the contents of the truck and the truck as a structure. Which to my unsterdanding a vehicle is an extension of a persons home unless it is occupied. Therefore if insurance doesnt want to cover the contents of the truck they should honor the policy saying the policy covers structure on the property and the policy covers malicious activity and vandalism with {$1000.00} deductible. My truck received just above {$8000.00} damage from when it was stolen. I would be happy to take to a body shop to get an estimate for damages.

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 2023-04-11
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi, I paid this loan off for the payoff amount that was given to me in XX/XX/2022 in the amount of {$5600.00}. Afterwards, I was told that I still owe over {$1000.00} more for interest. One Main Financial is ripping people off after they're getting paid the money. I spoke with several associates/managers and even Corporate people but still nothing. Even when they were getting paid by the insurance company while i was out of work due to XXXX, they still reported me to the credit bureaus as non payment. I am not paying them anymore money, esp when I've paid them more than the actually loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Account information incorrect

Complaint:
3rd request XXXX received a check and cashed it. Someone tell me where the funds are. When I call XXXX will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress. 

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check. 

Where is my money. 
Why are you reporting charge offs after it was paid. Per XXXX the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK XXXX TO REIMBURSE LEGAL FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My wallet was stolen from my office about XXXX XXXX on XX/XX/2023. A police officer came and made a report about XXXX minutes later. Once the police left, I immediately notified all of my credit cards. Upon talking to my Old Navy Credit Card, sponsored by Barclay 's, I was informed someone had just made a puchase for {$44.00} at a mall about 15 minutes away. I was told it would go into review and the charge would be removed from my account. 

On XX/XX/XXXX, I received a letter saying that because chip card technology was used it must have been in my possession and the charge was valid and being put back on my account. 

At that point I called the number on the letter and was given an ID number, case number, and an address to send by regular mail a letter and a copy of the police report. They did not give any option to submit electronically. So, I immediately put a letter with the police report in the mail as directed. 

I just received a letter dated XX/XX/XXXX stating that because I did not provide proof, they are reinstating the charge plus interest. 

I called today and was told their system wasn't working and they can't help me, I should call back some other time. 

I have to paperwork to prove the card was not in my possession at the time. It's very easy for them to state they didn't receive if my only option is snail mail. This is bad business to not respond to customers, and to not give us a way that proves we sent our proof. How is this legal? I would like my refund.

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 2021-03-09
Company: GLOBAL PAYMENTS DIRECT INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wrote to global check services regarding the extensive fraud that has occurred under my name and disputing the demand for payment that I continue to get from this company, and their response was to send information that I dont know how to get. They are requesting {$500.00} from me for online gambling for a XXXX casino account that I dont have. This money should have never taken because my accounts were closed back in XXXX. I have attempted to resolve but are asking for a notarized affidavit of forgery. All I have is my FTC report # a submitted police report along with identity theft alert and locked credit reports. Im not sure what I can do to satisfy their requests and frankly I have been jumping through hoops and even obtained legal counsel since my bank did not follow regulation E when I noticed the unauthorized transactions on my accounts. They did not investigate until my money was stolen from my account. I have issued several statements regarding my banks misconduct only to continue to fight for my rights. I would appreciate any help you can give regarding my situation. I am failing when I continue to point out and explaining that due to their inability to follow regulation E my accounts would be in good standing given their decisions to not give me any money, since no investigation was done in the appropriate time frame. That the account in question with global check services should have never been an issue since this was part of many, fraudulent transactions that I had brought to their attention back in XX/XX/2020. Im not sure what to say about the account that is requesting that I pay since I am not sure how any money would have been received from the closed account. If theres any other way to get money from an account that was closed In XXXX, specifically the XXXX of 2020 that would be all for XXXX XXXX XXXX to explain, since I opened a new account, it has been compromised but they continue to refuse me my disputes. I have never used the new account that is also been closed due to money lost. I just dont understand how much I am supposed to lose that XXXX continues to refuse lawful assistance according to the EFTA/ FCA/regulation E and so many other consumer rights that are being dismissed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: PA
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 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 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 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: PA
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:
Subject : filing complaint on this credit bureau. 

My name is XXXX XXXX and I am writing you in regards to filing a complaint on this company. On or Around the beginning of XX/XX/2022, I disputed several accounts on my credit report to which they allegedly verified. I am in total disagreement with their investigational response because I have vigorously explain to this Company that I did not give consent for this activity. Therefore, I demanded them to remove this inaccurate information immediately to which they have yet to do. I am requesting all incorrect information be removed from my report because these inaccuracies are highly injurious to my credit rating and violates my rights under the fair credit act. Please investigate these illegal and unconstitutional actions being done to me by this company immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is falsely reporting on my credit a loan. I have no such loan and it is causing my credit harm to have this information on my account. I demand that it be removed from my report. No such agreement between exists between myself and XXXX. The CFPB also states that a retail installment contract is NOT A LOAN making this reporting false and misleading even if one did exist. I am in a title holding state in which if there was a lien holder, I would not have possession of my title. I am in possession of my title and it states it is free and clear of any liens. I also have signed contracts endorsed " without recourse '' in which XXXX recognized and overnighted my titles which was received XX/XX/XXXX. Any deal XXXX made with XXXX after my endorsement has nothing to do with me. UCC 3-415 " ( b ) If an indorsement states that it is made " without recourse '' or otherwise disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument. '' -- Experian is civilly liable for the damages to my credit for reporting without the proper verification. 15 USC 1681n for willful non compliance should they continue to report but most certainly for negligent non compliance under 15 USC 1681o--

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