BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  is a collections account that is currently listen on XXXX and Experian credit bureau. The collections was removed off of XXXX, as it was verified as the account does not belong to me. I recently contacted XXXX XXXX  and spoke to a representative named XXXX. I informed XXXX that this account does not belong to me and he has marked the account on their end as fraud.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/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 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Capital One Collection Department several times and received no resolution on XX/XX/XXXX I spoke with Representative XXXX whom stated a supervisor would be in contact to have debt removed from credit report due to me not being the owner of the account as listed. With me not receiving the call back I contacted the collection department again on XX/XX/XXXX speaking with yet another rep whom stated the account was never notated for you to receive a call back, frustrated I demanded to speak with yet another supervisor and was informed that this matter would be resolved and I would show the account removed in the coming months as of today XX/XX/XXXX I still show an account as debt on all 3 credit bureaus when I was told it would be removed and I wouldnt be penalized for such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Whereas on or about XXXX, i entered into a contract with XXXX XXXX XXXX regarding a vehicle. after obtaining this vehicle for about XXXX months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted XXXX XXXX XXXX and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until XXXX answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, XXXX XXXX is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {$XXXX} every XXXX weeks ( bi-weekly ), but i found out that the actual fee is {$XXXX}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( XXXX XXXX XXXX ), do not care.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: OK
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi this email is to provide proof of fraud on my chase account. XX/XX/2023 I noticed suspicious transactions on my account for the amount of {$0.00} for XXXX XXXX XXXX out of XXXX, XXXXthe one cent was withdrawn and then credited. I immediately locked my account and called Chase customer service. They agreed it was suspicious and canceled my debit card and issued a new one to be mailed out. Today XX/XX/XXXX, as I was driving home I received a call from XXXX from a supposed Chase representative who said my account had been compromised again and there was a XXXX transaction that was attempted in XXXX, Florida for the amount of {$1000.00} to a XXXX XXXX. He asked if tht was me tht was sending it and I said no. He proceeded to send me a text asking if the XXXX was authorized in which I responded no. He then told me my online banking account was completely compromised and I needed to change my username and password. He sent me two additional text messages to terminate my username and password which I unfortunately provided to him via text. He then proceeded to ask about my XXXX recipient XXXX XXXX XXXX who I stated was my boyfriend and he said his information was also compromised and he asked me to add him to phone call which I did immediately. After XXXX accepted the phone call the " representative '' asked him some questions and told him his phone number was added to a XXXX account fraudulently with XXXX which he has no account with at all. Then he text him some verification codes to the phone number he has attached to his XXXX account and asked him to read them to him which he did. After he received the codes he told XXXX that he would enroll him and me in fraud protection so our future XXXX transactions wouldn't be compromised. XXXX was let go and him and I remained on the line to supposedly enroll me into the fraud protection program which consisted of me approving a XXXX transaction of {$2000.00} to XXXX where he explained tht no funds would be deducted from my account it was simply to make sure future XXXX transactions between XXXX and I would not be compromised. I unfortunately said yes to the text which ultimately approved the XXXX transaction to XXXX which he obviously never received. I'm attaching all the screenshots of my call log where he called me and I tried calling the number back and it is a XXXX XXXX  customer service phone number which leads me to believe tht this XXXX XXXX thats the name he gave me also with a badge number of XXXX. I'm also sending the text messages tht XXXX received as well. The phone number associated with my XXXX account is XXXX and the phone number associated with XXXX 's account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 have contacted Navy Federal Credit Union numerous times as they have account information on all 3 of my credit reports inaccurate. XXXX, XXXX, and XXXX  have different dates they say a payment was made I have asked for proof and I get nothing from them or the bureaus but the information is reported differently. I have sent an email to CEO of Navy Federal also and still no results or fixing the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2020, I used USAA 's mobile deposit app to deposit a {$30.00} check with them. The image was captured clearly and successfully, and received as such by USAA. 10 days later, on XXXX XX/XX/2020, I received notice from USAA that they were deducting {$30.00} from my account, plus a {$5.00} penalty fee because the image was returned to them from the bank it was drawn on as " unreadable. '' I called USAA and they confirmed with me that yes, the image I sent them and that they received was a perfectly good image, but that somehow whatever image they forwarded to the other bank was cut off, so you could not see the dollar amount written on the check. They told me that their " policy '' required them to take my money from me out of my account, even though the error was theirs and I had done nothing wrong. 

They asked if I still had the original check, and I informed them I did not. They told me there is nothing more they could do about it, and I was the one who would be stuck with the cost, even though it was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan to value on my mortgage is less than 75 % and LoanCare has refused to remove PMI. I called Loancare on XXXX to request removal of PMI. On XX/XX/19, I received a letter dated XX/XX/19 from Loancare stating the request was denied. I called Loancare on XX/XX/19 and it is clear that they are calculating the LTV incorrectly.

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 2023-02-22
Company: EQUIFAX, INC.
State: TN
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:
On XXXX, XXXX XXXX  All three credit Bureaus reported my mortgage company XXXX XXXXXXXX XXXX XXXXt ) sale/transfer to a different mortgage ( XXXX XXXX XXXXXXXX XXXX ) XXXX 
This triggered a credit score drop of XXXX points. 
The sale/transfer of my mortgage loan was/ is beyond my control. 
Therefore, my credit score should have remained the same. 
A drop of my credit score by XXXX points from XXXX To XXXX could adversely affect my purchasing power. 
All three  Credit Bureaus do have dispute forms available but only for complaints against creditors. Not against themselves. 
What can I do to correct this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi there, I'd like to dispute the recent transactions under my personal and business account on XXXX XXXX 2021 who I have never known without my authorization for {$500.00}, {$400.00}, and {$100.00}, a total of {$1000.00}. I suspect that my account has been stolen and unauthorized XXXX transaction records. At the same time. Please assist me to apply for insurance ( FDIC ) to cover for me to take all my money back. Without that money, I can't pay off my wife 's delivery outstanding payment. This is a huge impact on my family, affecting our lives and work. During the years I have served in the XXXX XXXX XXXX, I've stuck to my duty to defend the country. Our family really needs this money to make life. While I'm working hard to serve the country, I really hope that CFPB can help me to get back the money. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-07-10
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:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and need to be corrected immediately. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed a large collection on my Credit report in XXXX of XXXX with XXXX XXXX XXXX XXXX Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : 1 ). I had moved out and my XXXX, XXXX XXXX took over the lease back in XXXX. 
2 ). XXXX XXXXXXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
3 ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on 2 separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus yet the Credit Bureaus did not seem to look at the documentation which clearly shows that XXXX is not allowed to report this information because it is violation the Court Order. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt one last time to see if the bureaus would remove this inaccurate information.

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 2022-12-19
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
From XXXX XXXX, I received letters from credit cards companies. These letters were thanking me for applying for a line of credit, but informing me that I was denied. I never applied for any credit cards not ever. I think these scammers have my social security number. I am afraid bc I do not know what else they are doing with my information. 

My Bank account with XXXX XXXX  was compromised a few weeks ago, I caught it in time and I never lost any funds. I closed that account and now I have a new one, hopefully it is secure. 

I am in the process of calling all the companies and I'm considering sending them letters also. It is Discover Card, XXXX, XXXX XXXX, and XXXX XXXX. I will not be surprised if more come in as well. 

My credit is terrible and I've been working hard trying to improve it. Will this situation end up with me having an even lower credit score than I already do? If so, how do I go about rectifying this? 

I would so appreciate any assistance you can provide. Thank you very much. Please feel free to contact me any time. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: GA
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:
Bankruptcy XXXX XXXXXXXXdismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2021-01-21
Company: Servatus Corporation
State: PA
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 have been writing Credit Solutions and demanding that they tell me why they are on my credit. After several attempts at contacting them, they have sent me nothing at all. They have however continued to verify the information to the credit bureaus. The FCRA says that I am entitled to the information that is being reported about me to the credit bureaus. I demand that they remove this account since they have not provided anything to me whatsoever! PLEASE HELP 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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.

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