BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX ( XXXX ) has called my home and spoke to both my wife and my mother in law. They gave information about my debit ( default Capital one card account was on auto payment not sure what went wrong ) to both and neither are on my account or authorized to discus it. On XX/XX/2019 my wife told them several times she was not on the account and that they should not be talking to her. They gave out my birthday to attempt confirmation it was my debit and then gave the balance, last payment, charge off month, and the card number. My wife does not recall but is pretty sure they gave last 4 of SSN as well. After my wife took down those notes to pass on to me my wife told them she was sure they broke the law by disclosing that information. The female supervisor told my wife that she KNEW THE LAW and was allowed to give it to her because she was my wife. She said that my wife should help me out and go ahead and set up payments for me. The thing is how do they know it was my wife? To prove this point when my wife was discussing it with her her mom the phone rang and it was XXXX again. My mother in law had answered, pointed at the phone, and winked at my wife. When they asked if it was my wife she said yes and they again told her the balance and tried to get her to set up some kind of payments. 
XXXX  called again XX/XX/XXXX and my wife took the call. They started with " The balance is $ $ how do you intend to take care of this '' They asked if she had discussed it with me and how we intend to take care of it pushing for her to set up payments. At that time she told them at this point because she is not on the card and we know they have in fact broke the law I would not be talking to them until I talked with an attorney. ( Side note this is my bill and I would have taken care of it right away ) At that time they said so you are not going to pay us. She said as far as we are concerned you broke the law and his debit should be null and void. They said you do what you must and we will also they could not stop the collection calls either. My wife hung up called and contacted Consumer Financial Protection Bureau and we are making this claim. Later that day we were opening mail and one letter was from XXXX. The letter was a PRE-LEGAL NOTIFICATION that stated we were sent another letter before this one ( we never got one ) The letter stated XXXX was considering sending this account to an attorney in our state for possible litigation. To please pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX  XXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: MD
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:
EQUIFAX STATED IN PREVIOUS RESPONSE THAT I NEEDED TO BE MORE SPECIFIC SEE LIST BELOW XXXX XXXX XXXX XXXXXXXX {$14000.00} XXXX XXXX XXXX {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX  and Transunion are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and  this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
This will be my one last complaint. I began disputing to XXXX XX/XX/2015. I was given complete instructions to go through the XXXX. I summed full details as requested over these years. I read about all the class actions suits XXXX won in the courts, XXXX Mortgage XXXX DBA Seterus XXXX XXXX Each pertaining to my claimed with factual evidence. XXXX denied to investigate. Next, XXXX changes their business name to XXXX, Seterus is now XXXX. XXXX gets paid by each complaint written on your website. Allowing all illegal fiancial institutions involved to remain concealed. With all abilities to continue the exact crimes just with different names. Today my statement of this complaint is directed to the XXXX. I will continue to share my evidence to the public. Each homeowner is dismissed by XXXX. It's business & a pay-check for XXXX. This is conspiracy. Hundreds of thousands of people who have been requesting assistance have never gotten the XXXX assistance. We have United together. We are exposing CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
On XX/XX/2019 I disputed an account ( XXXX XXXX/XXXX ) that has a XXXX balance and is reporting a payment status of " >Account 120 Days Past Due Date< '', This account 's payment status should be paid or current. I wrote this in my dispute. The account was updated but did not correct the reporting Error.

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 2023-07-21
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance XXXX {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
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: Information belongs to someone else

Complaint:
I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-10-07
Company: Selene Finance LP
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed ] my XXXX mortgage payment from XXXX, Oregon to Pennsylvania on Monday morning the XXXX of XXXX on XX/XX/2019, I applied to refinance my residence. my lender called me to inform me I had a mortgage late on my credit report for XXXX. I went to my bank and found out Selene credited payment on XXXX XXXXI have been mailing my payment around the XXXX of every month and have never had a late payment. 
I want the late payment removed. with 4 day delivery the payment would have been in their possession on Friday the XXXX. 
note their statement in the first sentence of paragraph 3. 
PAYMENT MUST BE RECIEVED BY THE LAST DAY OF THE MONTH. 
I am requesting proof from Selene that they received my payment on XX/XX/XXXX. 
again worst case it was received on XXXX that still leaves 1 extra day ( Saturday ) for my payment to be in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Academy Mortgage Corporation
State: AZ
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 3 mortgages with Academy Mortgage, totaling more than {$700000.00}. Back in XX/XX/XXXX/XX/XX/XXXX, I was having issues with their Loan Administration website, they were converting to a new online system. I was locked out of my account when trying to make my payment for Loan # XXXX. I followed the prompts to request unlock, which at the time was an email to XXXX indicating someone would respond within 24-48 hrs. No one responded to me! 
I sent a follow up email ( copy attached ) explaining that I was in jeopardy of being late, if I could not submit the payment online. After another day, there was still no response. Finally, I decided to call customer service and after some frustration with the phone rep, I was able to identify the issue and log into my online account. Academy mortgage had an incorrect email address on file, they had n't updated this either. I made my XX/XX/XXXX payment. 
A month later, I received a credit monitoring notification, that my Academy Mortgage had reported 30 Days Late in the month of XX/XX/XXXX for the XX/XX/XXXX payment. I was sickened and now even more frustrated. 
As a good will gesture and in good faith of my loyal business and existing good standing on 3 mortgages, I sent a letter asking them to remove the 30 Day Late for Loan # XXXX from all three credit bureaus and send me confirmation that it had been removed. I felt it an injustice for adverse credit action on my account because of their companys technical difficulties. 
I received a letter date XX/XX/XXXX indicating Academy mortgage was looking into the situation. I never heard back, so in early XX/XX/XXXX, I called their customer service XXXX. The rep indicated they would not have an answer until XX/XX/XXXX and to call back after that time. I questioned the timeline and mentioned that 4 months was a very long time for research. I called back the week of XX/XX/XXXX, thinking they may have finished, but told again to call back after XX/XX/XXXX. I called back today XX/XX/XXXX and I was told that Academy mortgage had sent me a denial letter back in XX/XX/XXXX indicating, I had the incorrect month on my dispute letter and she did n't know why the rep did n't tell me that the other 2 times that I had called. I never received a denial letter in the mail. Only to call back after XX/XX/XXXX. The rep said she would transfer me to a supervisor, who even further frustrated me. I am opening this complaint through CFPB to document my horrible experience with Academy mortgage loan administration and hopefully they will make some changes to their process. I am being dinged for a system issue, and the adverse customer harm has now been in effect for 4 months, more than 160 days since the issue was identified. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone i NC used my ss # to open a cable service and now they say I owe them I've called and talked to them I've never lived in north Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: U.S. BANCORP
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent XXXX a letter disputing the US Bank Home mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through US Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through US bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are 15 payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of US Bank and XXXX on XX/XX/XXXX and did not receive a response. I called US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that US Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into XXXX today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as US Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to use my Chase Business Ink credit card on XX/XX/2022 at XXXX XXXX and the card was declined. There is nothing due on my account & the balance is {$1500.00} with total credit line {$10000.00}. I did not receive a text, email, or account alert about why my card was declined. I tried to use the card again on XX/XX/2022 at XXXX XXXX and it was declined again, same thing no alerts sent to me as to why my card was declined. 

I called Chase Business today XX/XX/2022 was told by the fraud department the purchase was thought to be fraudulent on the XXXX and so they froze my account after the XXXX XXXX attempt to purchase. They told me they do not handle notifications & transferred me to Customer Service department because they thought it was my alerts that were not set up. My email & phone number were already added to the account so no one could figure out what was wrong & why I didn't receive an alert. Customer Service tells me it's the Fraud Department. I get transferred 7 different times between the 2 departments/supervisors. I finally get someone from both sides on the line at the same time and they finally admit they DO NOT have an alert for fraudulent activity. 

I would have NEVER chosen a credit card & opened up an inquiry on my credit report as a new business for a company that does not have fraudulent alerts sent out!! This is literally INSANE that in 2022, one of the most important notification alerts about potential fraudulent activities are not available from Chase to their customers. The rep from the fraud department said that each time it gets declined, I will need to call Chase.. so as a business owner, they want them to roll the dice and see if a charge will go through based on Chase every single time??? Having nothing to do with the actual account credit limit or past due payments? 

I need to know what can be done about this as now I have an open account with a company who fails to notify their customers about fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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