BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All three Credit Bureaus XXXX, XXXX, and Experian, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have 2 Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them Payment. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title 15 U.S. Code 1605. XXXX XXXX never offered me Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.

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 2022-10-25
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2021 lost Job and apartment during Covid. credit took a Major hit and most of cards were charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : 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 2023-02-27
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PHH Mortgages Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Foreclosure a XXXX A fake bank note and sold my house. 

Case XXXX In the Circuit Court XXXX XXXX XXXX XXXX Oregon For XXXX XXXX of 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 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX The vendor double charged me on XX/XX/XXXX last year XXXX ; I called on XX/XX/XXXX to the credit card company and complain that they fraudulent double charged me. I called back to the call center overseas and they gave me a runaround until XX/XX/XXXX of XXXX where a case number was finally documented. Case number XXXX.I was assured that the {$180.00} will be recovered.I just got off the phone todayXXXX XXXX, XXXX. Capital One is refusing to call it exactly what it is ; a fraudulent double charge to my credit card. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

XXXX has the following inquiries I want removed Immediately. 

Capital One XXXX/XXXX/22 XXXX XXXX XXXX XXXX/XXXX/22 A paystub and passport have been uploaded with complaint for ID purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to the consumer reporting agency in XXXX of 2022 requesting a reinvestigation of several accounts. I was sent a letter to saying they do not need my consent to furnish anything on my consumer report and listed the accounts as verified. Consumer reporting agencies need consent to furnish a report pursuant to 15 usc1681b ( a ) ( XXXX ) .No consent is identity theft. They also violated my right to a description of procedure to determine accuracy and completeness pursuant to 15 usc1681i ( a ) ( XXXX ) ( B ) ( XXXX ). There are also several accounts that have been charged off and are older than 7 years which is a violation of 1681c ( a ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered on my credit report. Upon reviewing my credit history, I noticed several inquiries that I have no knowledge of and have never benefited from, nor have I applied for any of the associated credit accounts. I would like to request your assistance in investigating and resolving this matter promptly. 

The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. EXPERIAN XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX OF XXXX XXXX XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX NEVADA XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX NEVADA XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX BANK XXXX XXXX : XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX XXXX. XXXX CARD : XX/XX/XXXX I can assure you that I have not engaged in any of these activities, and these inquiries are unauthorized. This situation is highly distressing to me, as it may impact my creditworthiness and financial standing. I take my credit report seriously and have always maintained a responsible approach to my financial commitments. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with a detailed report of your findings. Additionally, I would appreciate it if you could remove these unauthorized inquiries from my credit report as soon as possible. It is of utmost importance that my credit information remains accurate and reflects only the activities that I have undertaken. 

Please keep me informed of the progress of your investigation and any actions taken to rectify this issue. You may contact me via the provided email address or phone number listed above. 

I understand the significance of maintaining the integrity of credit reports, and I trust that your esteemed organization will handle this matter with the urgency and attention it deserves. I eagerly await your response and resolution to this matter. 

Thank you for your time and understanding. 

Sincerely, 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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, My name is XXXX XXXX and I have been a Bank of America cardholder since 2008. I am sending this message as a complaint against Bank of America due to a mishandling of my request. I had contacted them regarding the removal of some interest on my balance, which I had paid in full. I requested a refund of the interest that was charged, but the representative I spoke to denied my request in a rude manner. I asked to be transferred to the manager, whose name is XXXX and who is located in the Texas branch, and she also spoke in a rude manner and denied my request. I, finally, contacted the corporate office and spoke to XXXX XXXX, who was also unprofessional. I explained to all of them that I had a family emergency, which I was forced to attend, and which resulted in my balance accumulating interest in the meantime. No one was willing to understand my situation even though my payment history is pristine and I have always paid higher than the minimum. I am humbly requesting if I can get a refund for the interest that was charged on my account. It would really help if Consumer Finance can help me resolve this issue. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NY 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 2018-10-15
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In reference to my XXXX XXXX XXXX CREDIT CARD. On XX/XX/2018 I contacted XXXX Customer Service because I noticed that my payment in the amount of {$1600.00} was applied to my old account which was compromised ( fraudulent charges that I found and disputed and has since been settled ). This payment was intended to pay the credit charges I made on the new account. Upon speaking with customer service at both XXXX and XXXX XXXX, I came to find that one of the fraudulent charges was posted to my new account and subsequently removed. The remaining balance on the account was {$890.00}. I directed XXXX 's customer service to use the {$1600.00} payment to pay the card in full and send me a check for the balance of {$700.00}, which they did. 
In looking at my next statement I noticed a posting indicating a sale on XX/XX/2018 for {$700.00} - the exact amount of the check that was mailed to me. I wasnt able to dispute this sale and I called to clarify on XX/XX/2018. I added all of my receipts since the last statement and my account is over by the amount of the check that was mailed to me. In essence, XXXX mailed me the overpaid balance but then posted it to my account as a sale. I was not refunded the overpaid balance. They manipulated my account, made an error and then charged me the amount that was owed to me. I called on XX/XX/2018 and on XX/XX/2018 to make a formal complaint and dispute the {$700.00} and the supervisor I spoke with said that I could pay my account minus the {$700.00} as my statement was due. I called again on XX/XX/18 and this has still not been rectified. To date, after numerous attempts to have this matter resolved, XXXX XXXX XXXX refuses to acknowledge that my account is inflated by {$700.00}. They insist that the charge of XXXX to my card is simply the way they reflected the remittance.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: MD
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 sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX 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 explanation
Consumer complaint received 2022-10-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I received a Summons from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC. XXXX. The Summons was filed by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, MI. XXXX. 

The Summons appears to be related to an unpaid balance of {$2100.00} that, although charged off, was originally owed to PayPal Credit or PayPal Credit Card by : XXXX XXXX, XXXX XXXX XXXX, XXXX TX. XXXX. I do not know any of the dates involved. 

I know nothing of this debt. I have never had a PayPal Credit Card or an account with PayPal Credit nor have I ever lived in Texas. I have lived at my current address since XXXX and have lived in XXXX XXXX, Ohio since XXXX. This appears to be some sort of mistaken identity but I know nothing else about the debt except that I am not the person who owes it. I have filed an Answer with the court stating the above. 

I received no other information prior to receipt of the Summons. Since the Summons, I received a notice from XXXX, signed by XXXX XXXX, stating IT IS SO ORDERED ( not signed by the judge ) that they may attend a PreTrial Hearing by phone. I subsequently received a true notice from XXXX XXXX Municipal Court denying the XXXX phone attendance. I have also received an Affidavit of Fraud from XXXX XXXX XXXX in which they are asking for various types of information, including a police report. However, I am not aware of any type of fraud. To me it appears that either XXXX or XXXX XXXX XXXX just found my name somewhere and sent me a Summons hoping that I would pay. However, as I have stated, I have never had a PayPay Credit Card nor an account with PayPal Credit and I have never lived in Texas. I do not see any indication that this is identity theft. I see this as an attempt to collect an unpaid debt through intimidation, hoping that I would do whatever I could to avoid court. At this point, it seems like the burden of proof has been put on me rather than XXXX, when it should have been them verifying that I am not the person they are looking for, rather than just their intimidation after finding someone with a similar name.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Cfpb ; XXXX ; Transunion ; XXXX ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the XXXX Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of 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 non-monetary relief
Consumer complaint received 2021-01-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I called Chase Bank to dispute a {$1000.00} paid in XX/XX/2020 to XXXX XXXX  Academy for a XXXX course for a XXXX exam ( Step XXXX XXXX ). In XX/XX/2020, the exam was canceled for XXXX months due to COVID. I tried to deal with the company to obtain a refund, which they refused. 

I proceeded to file a dispute with Chase bank. They provided a temporary refund of {$1000.00} and did an investigation. I lost the dispute, Chase citing in a letter that " the transaction was processed correctly. '' This is not what I am disputing, and I can not use the service. Therefore, I should be eligible for a full if not partial refund. 

I called Chase to clarify, and they said I lost the dispute because I was " out of 120-day recovery timeframe. '' I was not told that when I initiated the dispute. When I questioned the representative about this and the letter I received not addressing my dispute properly, she said it is a generic letter and could not explain why I was told that there is a 120-day limit to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was charged 6 times in an interval of 2 days by a company Called XXXX XXXX for around XXXX dollars it was a online charge done in the middle of the night i reported to Citibank on the same day and they hace done nothing about it and they even charged me an overdrawn fee.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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