BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NC
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, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX. XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened checking account on XX/XX/XXXX under Bonus Code # XXXX. Deposited required {$200000.00} to receive {$1500.00} bonus. Maintained balance for required terms which were 60 days after the XXXX day after deposit of funds. Citibank had 90 days after that to deposit bonus. This should have been by XX/XX/XXXX. This date, AND the fact that I fulfilled all requirements was confirmed by MULTIPLE customer service employees in calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX complaint reference code # XXXX was opened with no resolution. 
On XX/XX/XXXX complaint reference code # XXXX was opened and I do not, from previous experience, expect any resolution to that one either. 
Excuse after excuse has been given and, unfortunately, each leaves me with the knowledge that this company is the most ineptly run & managed Ive ever dealt with and they are bordering on, if not fully guilty of, deceptive practices at best!

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 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, so roughly a week ago I was hit with {$18000.00} worth of bank fraud on my capital one 360 bank account. I reached out to their fraud department to file a claim, since I did that, today I decided to call in the morning and the representative guaranteed me a provisional credit. XXXX hours after that I talked to a representative who told me that the information given to me was false. Then XXXX hours after that I decided to call one more time and the representative on the phone guaranteed the provisional credit within XXXX to XXXX hours. But then they flipped on me saying that the representatives beforehand provided me with false information. Of course, I made arrangements and planned on using that money to pay for rent, car payment etc. Two different representatives told me I was gon na receive it today and now I'm being told that was completely false. What should I do? I called XXXX XXXX XXXX XXXX ( spoke with XXXX ) and XXXX XXXX XXXX XXXX  ( don't remember the representative 's name ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Immediate Credit Recovery
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Had an agreement with Immediate Credit Recovery. We had an agreement that I would pay {$5.00} per month for 10 months and then the debt would either be consolidated or reviewed. Tried to send in documentation stating that I was not financially able to pay. The next thing I knew my wages were garnished, now I only have {$800.00} every two weeks to pay my mortgage and my bills. This will put me in a financial bind. I received no mail documentation that my wages would be garnished. This is an old debt and I should not have to pay a 3rd party for a loan that I did not sign originally with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting 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:
I have filed multiple disputes for inquiries that are invalid and fraudulent, credit bureaus rrefuse to remove hese causing decrease in credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account through XXXX several times and also filed a police report, along with submitted a documented packet to XXXX XXXX explaining this debt is not my debt and I do not owe this company they continue to put false items on my credit report causing me pain and suffering while in the process to purchase a home for my XXXX children and I. I am a single parent and the suffering they are causing me while trying to raise my children is horrible. I shouldn't have to continue to fill out paper work that I continue to explain to XXXX different people. I have spoke to XXXX, I have spoke to XXXX XXXX, the police filed a fraud complaint on the matter and now I have to continue to dispute through them. When they sent the verification paperwork I explained and wrote back to this company and another comapny that this debt is not MINE I DO NOT HAVE XXXX! MY SOCIAL, and credit file has to be locked due to people using it for fraud. I SHOULD NOT HAVE TO KEEP DISPUTING THIS SAME INFOMRATION NUMEROUS AMOUNTS OF TIMES! it is frustrating and I am thinking about getting an attorney to sue all XXXX companies due to the pain I am being caused and time i am wasting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX  was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. XXXX then returned these payments about 10 days after receipt. XXXX  says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX  XXXX XXXX XXXX XXXX 2 official payment transmittals which clearly documented my timely payments, yet XXXX still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from XXXX XXXX in which XXXX  confirms they received my payment on time but XXXX  and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over 50 hours trying to resolve and filed numerous complaints with XXXX  and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.

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 2021-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a missed call and a voicemail from phone number XXXX from a " XXXX XXXX '' who stated she was contacting me in regards to a case being filed with XXXX county. She stated that once my case is filed it will become a case of public record and a order of my location has been issued. She stated since she was unable to contact me she will proceed with forwarding my case to the legal department and my legal rights would be forfeited. She also stated that my employer would be contacted and this wasn't to embarrass me but yet to show this was my place of location. She then stated to contact XXXX file number XXXX if I want to contact them in regards to my case before it goes public. When I called XXXX I spoke to two people one named XXXX   who said she was an account manager and that I owed a debt for a pay day loan that was taken out in XX/XX/XXXX and the amount was {$540.00} with Ace cash express. I don't recall taking out a loan such as this, secondly she had my full date of birth name, and full social security number. She told me that I had to pay or else I would be taken to court where after lawyer and court fees I would have to pay {$1400.00}. I told her I didn't feel comfortable giving card information over the phone when I have not received any notice about this debt. I asked if they could send me something to show this is what I truly owe and she told me they don't do that because they are a law firm not a debt collection office and its either pay or get summoned. I called ace cash express and was told I did take out a loan in XX/XX/XXXX and that I owed {$240.00} before it went to collections.ACE CASH EXPRESS told me they could not provide who the debt collection agency was as it was sold to a outside collection agency and I would have to wait for them to contact me. I am unsure I even received this loan as im showing I was denied a loan through ace cash express back in XX/XX/XXXX. I called the law firm back and they said thy were called the office of regional proceedings with an address of XXXX XXXX XXXX CA XXXX, when I XXXX the address it shows me its a debt collector not a law firm. I believe I am getting scammed by a debt collector who is A. trying to get me to pay more than what I really owe for something and B. impersonating a law firm to get me to pay which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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.

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 inructions 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 2023-04-07
Company: EQUIFAX, INC.
State: MO
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 extremely displeased that my dispute regarding multiple items on my report has been blatantly ignored. It is imperative that you fulfill your obligation under the FCRA and take immediate action on this matter. Failure to comply with the law will result in me exploring the option of taking legal action against your company. 
XXXX XXXX XXXX XXXX Balance Owed : {$410.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. 
XXXX XXXX Balance Owed : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. 
XXXX XXXX Balance Owed : {$460.00} - Your company 's incompetence is on full display with this charged-off account still showing a balance on the statement. I demand that you provide an explanation for this egregious error immediately. The balance is unequivocally inaccurate, and it is your responsibility to correct it by either setting it to XXXX or deleting the item altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Navient Solutions, LLC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: JPMORGAN CHASE & CO.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been having problems with Chase Bank. I opened an account with XXXX XXXX , and a friend of my family transferred {$14000.00} to my account. I transferred {$14000.00} to my Chase account. Chase returned the check to my XXXX checking account. I was told by Chase that my account would be closed systematically on XX/XX/2022, but it wasnt. I have gone into the branch to get it closed on XX/XX/2022 and again after it wasnt closed on XX/XX/2022. They keep it open saying that it will be closed, but they dont know the date. They are keeping it open until XXXX resolves their hold over the money in my account until it can be verified. There is no reason for Chase Bank to keep my account open. They returned the check and that's the end of their involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am interested in disputing all incorrect information on my transunion credit report. a lot of information invalid and is hindering my file.

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 2021-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA ( Collection Agency Name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: JPMORGAN CHASE & CO.
State: WI
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:
Dear CFPB, We are a small business XXXX XXXX XXXX XXXX XXXX. 

We had a customer order a bath tub on XX/XX/18 the amount was XXXX We ran the credit card and it was an exact match, the security code and credit card number matched the address we shipped the tub to. 
The tub was delivered on XX/XX/18 to that same address and signed for by the customer. 

In XXXX we received a call from the credit card company stating that the customer did not recognize the transaction. I explained in detail everything about the order and we hung up. 

In XXXX we received a charge back from the credit card company saying the customer did not order the tub. Again we provided all the documents, we showed that the credit card number and security code were an exact match to the address where the tub was delivered and signed for. 


In XXXX the credit card company declined us and sided with the customer. They did say we could take it to arbitration for XXXX-XXXX we said we would be willing to do that .... several weeks later we received a letter stating they declined our attempt to arbitration. 

We have since filed a police report for fraud with our local PD. They say the amount is under the mount that they typically pursue fraud charges. The address has been verified as a legitimate address by the XXXX county PD, it has also been forwarded to the FBI who will keep it on file to watch for more activity. 

This address does show up on a Bad Buyers list with other similar complaints. 

We are attaching supporting doc 's. 

The phone number for Merchant Services XXXX Our Merchant number XXXX The Dispute number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting Experin to provide documention used to determine inquiry was indeed authorize by the consumer, Experin has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if experian does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.Experian is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER 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
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXXXX/XX/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