BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Overcharged for something you did purchase with the card

Complaint:
spoke with a rep at original company and cancelled. 
Now they leave me on hold forever and say I haven't cancelled continually trying to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Millco Management
State: AL
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:
Someone has being going to the ER using my name since XX/XX/2014. 

The police here in Alabama has just arrested the person, i contacted AmeroFinancial Solutions with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: NJ
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:
Accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me about 2 times a day once in the morning and once in the evening. It all started last month when the final closing time for that specific credit card debt was to fall off my credit report. And even since it has fallen off they will not stop calling. This company calls from all over the U.S with different phone numbers. I have even had to block a few.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrected or remove immediately : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2021-10-16
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received a pre-qualification letter from Movement Bank for {$140000.00} to purchase an investment property, me and my realtor started to look for properties and on XX/XX/XXXX we went into contract for a property to be sold at {$100000.00} for that amount I would put 20 % down and Bank was supposed to lend the remaining balance. 

I put {$2000.00} for earnest money sent to Attorneys and {$2000.00} for Due diligence money sent to owners so they would take off the market and be in contact with us-my realtor and me, due diligence money as for my understanding to work as a promise to close the deal or lose it. 

I paid for a inspection that was done XX/XX/XXXX at the property where I was planning to purchase XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX, everything seemed normal. 

Then suddenly on Thursday XX/XX/XXXX I received an email from XXXX XXXX loan officer at Movement Bank to tell me I must borrow a minimum of {$110000.00} for this loan, something that wasnt disclosed before or at any point, why would they not share such a critical information until after I went into contract, after 9 days of knowing I was into a contract and they knew the purchase price. 

Now Im losing the {$2000.00} sent to current owners as a due diligence money, and Movement Bank representative just saying that they told us and they making an emphasis on the loan amount, I have the pre-qualification letter and emails where nothing was disclosed, in fact my realtor was also surprised on why would they let us go so far getting into contract and then drop the XXXX. 
In email from Thursday morning XX/XX/XXXX also from Movement Bank representative loan officer XXXX XXXX says As a reminder the minimum loan amount recommended for investment loans is at least {$110000.00}. 
RECOMMEND it doesnt say is a requirement. 

Theyre the Bank and now refusing the loan for about {$84000.00} because they say its too low, but Im losing my due diligence money, because they let me go into contract and put that money in. 

Attached is the pre-qualification letter where is show a hypothetical {$140000.00} loan amount. 
Email dated XX/XX/16 says estimated payment scenario.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: VA
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, while in the midst of refinancing my home in XXXX XXXX, Calif., I reviewed my credit report and noticed a collections charge off in the amount of {$4000.00} for an apartment complex in Georgia I have never heard of. 

On Monday, XXXX XXXX, XXXX, I contacted National Credit Systems , Inc. in XXXX, GA, the collections agency associated with this charge, to dispute the charge. The name listed on the charge is not my name, and I have never lived, worked in, or even visited Georgia. They said they would send me a fraud package to fill out. 

What I received was a letter dated XXXX XXXX, XXXX, informing me they had investigated my dispute and had not received information sufficient to validate it. They said their creditor had previously validated the debt as well. They enclosed a move out statement from XXXX XXXX XXXX XXXX XXXX. In XXXX, XXXX, with detailed costs totaling {$4000.00}. 

At this point, I am providing them with further documentation for my dispute. But because they have already failed to send me their fraud package before investigating their claim, I do not have any confidence they can be trusted to do the right thing without involving the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: DC
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:
The U.S. Government, Department of Health and Human Services, Program Support Center attempted to collect a debt from me but would not verify the debt, the amount owed, or tell me how to pay it. Yet the debt collections are now appearing on my Experian credit report and hurting my score. On XX/XX/XXXX I received a letter from XXXX ( scan attached ) that I was seriously delinquent on a debt to the government. This was the first letter I had received regarding this debt, and the letter did not give the amount owed or a method for repaying. It did provide a phone number, which I called, only to be directed to an inbox that was too full to accept messages. On XX/XX/XXXX, after searching an XXXX employee directory, I located the email address of a contact at XXXX XXXX, XXXX XXXX. I emailed her and she indicated she would ask XXXX for more information and provide it to me ( usually within XXXX hours ). I followed up several times and XXXX XXXX was still not able to obtain information about this debt. ( These emails are attached. ) On XX/XX/XXXX I sent a certified letter to XXXX ( attached ) which was received on XX/XX/XXXX and signed for by XXXX XXXX ( attached ), requesting verification of this debt. Once I finally was told the amount owed, I paid it in full immediately. 

Due to the fact that I was a ) not informed of this debt until it was sent to collections and being reported as delinquent on my credit reports, and b ) even after I was notified of the debt it took jumping through many hoops to find out how much I owed and how to pay it, and c ) once I finally got that information, paid the amounts in full immediately, these accounts should not be reported on my credit reports as delinquent. I have requested that they be removed and my requests have repeatedly been ignored. I want these delinquent accounts removed from my credit reports.

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 2021-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today, XX/XX/2021 I contacted Experian at XXXX to get my credit freeze lifted, so that I could refinance my home mortgage. The options were limited and I inadvertently froze my credit. I was given a confirmation number ( XXXX ) and informed that my 'pin ' would be texted to me. I have not received a 'pin ', which I need to unfreeze the account. My complaint is that I have not received the pin, and Experian does not give consumers access to a 'live " person to resolve issues.

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 2023-06-28
Company: EQUIFAX, INC.
State: IL
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
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:
I would like to file a Fair Credit Reporting Agency violation against this credit bureau called Experian Credit Bureau. On XX/XX/XXXX I requested that they send me there method of verification as it pertains to a XXXX XXXX XXXX account that is been reported on my credit report. The only thing that Experian has done is just to send me a statement saying that the account was been reported accurately. This is false as Experian is saying that this account went into a charged off status in XX/XX/XXXX and this is totally false. There is also missing payment and account information as it pertains to the XXXX  XXXX XXXX account that is been reported on my credit bureau. There is no payment and account information listed on the credit report for the periods between XX/XX/XXXX and XX/XX/XXXX and this makes the account incomplete and inaccurate and the Fair Credit Reporting Act states that such accounts should be deleted from the credit report. Experian has failed to abide by the Fair Credit Reporting Act

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 2021-10-16
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Discover Bank/Discover Fin Svcs LLC RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 
Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

If you have any questions concerning this request, please contact me at the above address or at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: PA
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 list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Back in XXXX of 2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. 

I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. 

I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. 

All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XXXX 2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. 

All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
XXXX XXXX Only ran my credit 6 times, after I asked them if they were only going to run it once. They lied and ran it 6 times which has brought my credit score down by XXXX points. They also ran it with several different companies. I tried to dispute the the credit companies has no way to dispute inquiry. so I was told.

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 2020-12-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was opening old mail and found a letter from XXXX XXXX XXXX XXXX dated back to XX/XX/2020, informing me that I owe a debt. The creditor is PROVIDIAN BANK for {$470.00}. I do not recall any memory of that bank or the debt. Because I opened the letter on XX/XX/2020, I did not take any action but this claim. 

The following are parts of the letter : " This letter is to serve as our final correspondence for the account mentioned above which has been transferred and assigned to this office. '' " This payment is due in our office no later than XX/XX/2020 '' " Failure to do so may result in your account being sent to a 3rd party to continue collection efforts. '' " Sincerely, XXXX XXXX Director of Operations ''

Company response to consumer: Closed with explanation