BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems consumer report : Dispute : Source of Information : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX XXXX is in violation of my rights. To my knowledge, I have never had owed money to XXXX  XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX  XXXX XXXX including copies of any documentation associated with this amount owed which bears my signature. 

In the absence of such documentation, I request that this negative report be permanently removed from my ChexSystems report. 

I have attached documents to verify my identity

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 2019-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 was told that my credit was not ran and that they used my sisters information only to get a loan for a vehicle. I was lied too and on XX/XX/2019 my credit was ran and on XX/XX/2019 credit was ran twice by 2 different banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, Chase sent me a phone text message regarding a an attempted credit card transaction that they've declined at a jewelry store. The text message asked me if this was an authorized purchase attempt by me and I replied back " No '' and Chase sent me another message stating that the credit card account will be closed and a new card will be sent to me. Few days later while checking my credit balance I noticed an unauthorized purchase in the amount of {$7300.00} show up on my credit card account with a purchase date of XX/XX/XXXX, the same date when I received the message from Chase regarding the fraudulent transaction attempt that got declined. I contacted Chase regarding the newly discovered fraudulent transaction and told them that I did not make the purchase and the purchase was not authorized by me. They asked me if my card was lost of stolen and because the creditcard in question was still in my possession I said I still had the particular card in my possession, not knowing what stress this answer was about to put me through. So initially, Chase deleted the {$7300.00} from my account, but couple of weeks later, the same transaction was put back on to my account. I called Chase again to dispute the transaction but their reply was because the transaction in question was made using a physical creditcard and since I still had the creditcard in my possession, they dont believe the transaction to be fraudulent and that I am liable for the whole amount! I spoke to the Chase Fraud prevention department several times afterwards trying to tell them I lhave never visited the store where the purchase occurred and have never authorized anyone to make a purchase using my card, but in the end Chase always gave me the same reply saying because the transaction occurred using a physical card and because I still have possession of my creditcard, I have to prove myself innocent. I have personally visited the store where the purchase was made and talked to the owners to get some help from them and the owners do remember the couple who made that purchase ( not me ofcourse ), but because they are afraid that they may have to pay the money back, are not willing to show me any receipt information or provide me with a written affidavit to help me out. So as of now, I am stuck with the bill from Chase. It is my understanding that an unauthorized purchase is a purchase made by someone without the permission of the owner of that account, whether the the card was lost or not. I don't know if someone took the card from me, used it and put it back or whether the card was cloned somehow, but either way I shouldn't have to liable for a purchase I did not make in person nor authorized anyone to make a purchase. Any help will be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX I am a federally protected consumer and my consumer rights have and continue to be violated. 

I am being bullied, harassed and threatened by Capital One Bank to pay an alleged debt and it is really stressing me out and is a violation of federal law 15 U.S. Code 1692b ( 2 ), not state such consumer owes any debt. 

The unfair debt collection practices started Around XXXX of 2021 when In good faith I participated in a consumer credit transaction with CAPITAL ONE BANK. During this consumer credit transaction my social security card information was provided and a finance charge was obtained. 

As the original creditor I granted CAPITAL ONE BANK the right to extend credit pursuant to 15 U.S.Code 1692a ( 4 ). During the consumer credit transaction CAPITAL ONE BANK charged me an Annual Percentage Rate of 26.99 % at the start of this consumer credit transaction. The finance charge is the sum of ALL charges pursuant to 15 U.S. Code 1605, If the finance charge is the sum of all charges I cant owe CAPITAL ONE BANK this alleged consumer debt. 

CAPITAL ONE BANK also failed to provide a material disclosure of how they even calculated the finance charge which is yet another violation of 15 U.S. Code 1602v. Ever since I started using this card for personal, family, and household purposes CAPITAL ONE BANK has been furnishing deceptive forms to coerce me to make cash payments which led me to the false belief that I the consumer owed a debt, which is also a violation of 15 U.S. Code 1692j ( a ), 15 U.S. Code 1692j ( b ) and 15 U.S. Code 1605, The finance charge does not include charges of a type payable in a comparable cash transaction. 

I am very confused why CAPITAL ONE BANK sent an unwanted bill to my abode alleging I owe {$440.00} this is a clear violation of 15 U.S. Code 1692c ( A ). CAPITAL ONE BANK did not and does not have my prior written consent to communicate with me the consumer in connection with an alleged debt.

CAPITAL ONE BANK is also in violation of 15 U.S Code 1692e ( 2 ) ( A ) the character amount is false and misleading. How could I owe on a positive amount? I find it hard to believe CAPITAL ONE BANK sent multiple billing errors on accident. It feels like CAPITAL ONE BANK is willfully and knowingly being deceptive, false and misleading with their attempt to collect this alleged consumer debt which is a violation. Pursuant to 15 U.S Code 1692k CAPITAL ONE BANK you are now liable for all consumer violations and actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: CA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX XXXX Balance : {$0.00}.

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 2022-04-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I had an appointment at a Chase branch at XXXX XXXX XXXX, XXXX, GA XXXX to open a Checking Account on a email promotion I received from them. 

I went there with my wife and wanted to open up a joint checking account. The name of the bank representative was XXXX XXXX. ( NMLS ID : XXXX ). 

She was very rude from the start of the conversation. She asked where are we originally from. We told her we were from XXXX XXXX. She asked for ID 's and was taking a long time to process our info. Eventually she said I have no proof of address and I can not open an account with Chase. 

At that time I had a Personal Credit Card Account, Business Credit Card Account, Business Checking Account and 2 separate Business Credit Card Processing Accounts with Chase. I listed my accounts but she became visibly aggravated. She started raising her voice and had a condescending attitude.

She stated that the Business and personal side of Chase are 2 different companies and that she will not be able to open an account unless I can provide proof of address.

As both me and my wife had 2 ID 's with us and my new residence is in the name of my Wife, we offered to sign a lease agreement on the spot. She then said she does not have a piece of paper we can sign a lease on.

Then I asked if she can print a document I sent to her email. She replied that the branch printer was broken. 

After that I asked to speak with the Branch Manager but she refused and asked us to leave. I refused to leave and I stated I am a customer and I refuse to be treated this way. She got very angry at that point and started threatening to call the police if I don't leave. She was repeatedly calling me " You ( pause ) trash ''! 

I left. I later found out ALL MY ACCOUNTS ( Business and Personal ) had been closed by Chase. 

Moreover, while the investigation was ongoing Chase locked {$73000.00}. Out of this sum {$40000.00} were received by Chase while the account was closed and I did not yet know about it. 

They said they will do a internal investigation but I will not be notified of the outcome of that investigation. 

I have an excellent credit score over ( XXXX for the last 5 years ) and I never had overdrafts or suspicions transactions. 

I strongly believe I was discriminated and racially profiled based on my national origin and race. The evidence to this will be the email that I received from Chase confirming my address was in fact changed to my new residence while I was still in the branch. 

The language used was unacceptable. The excuse to not open an account is provable false. 


Chase case # XXXX Attached you will find : - XXXX XXXX XXXX XXXX - Promo Email - Copy of my final check - Copy of my last Statement - Address Change Confirmation Email - The email I sent XXXX with Lease Agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I pulled my credit report, and some of the items are missing from it. XXXX # XXXX XXXX it missing from there, Macys # XXXX Its missing from Experian, XXXX XXXX  # XXXX Missing from XXXX, XXXX and Experian, XXXX # XXXX XXXX Missing from Experian and XXXX, XXXX Cards # XXXX Missing from Experian and XXXX, XXXX XXXX XXXX XXXX missing from XXXX XXXX Bank XXXX XXXX mising from XXXX, XXXX # XXXX missing from XXXX, XXXX # XXXX missing XXXX XXXX and Experian and XXXX # are XXXX Missing from 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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  Account # 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

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 2023-01-31
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Credit Management LP placed a collection ion my credit report from XXXX for ~ {$150.00} Credit Management LP has never contacted me about this assumed debt. Credit Management LP has never validated this claim. 

Credit Management LP recklessness is jeopardizing my employment- which requires employer to not owe debt. 

From research I found Credit Management guilty of mismanagement - I believe the company is repeating those same tactics. The company doesnt have a business license in my state I ask that this erroneous claim be removed asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-01-31
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
BRCLYSBANKDE is reporting on my personal credit file. This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. Please delete this account immediately. 

( BRCLYSBANKDE 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 2022-12-28
Company: Experian Information Solutions Inc.
State: TX
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 reached out to XXXX, XXXX and Experian. I have also reached out to creditors that have assumed the debt and have had no help getting my credit report to display the accurate information. There are names, addresses and open/ closed accounts that are being report inaccurately across all three agencies. I have reached out to each one, requesting validations and original information about alleged accounts, and none have acted in correcting this error. XXXX : is reporting addresses that the other two agencies are not. Incorrect Addresses : XXXX. XXXXXXXX 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 XXXXXXXX There are Inconsistencies amongst all three reports with different reporting 's for closed and charged off accounts that have not been validated or provided with the original purchasing agreement. Accounts have been listed below : XXXXXXXX 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 ; Amount Reported {$540.00} All of these inconsistencies are not only a violation to my METRO 2 protocol rights, but the inaccurate reporting of these accounts have violated my listed USC codes. Section 604 15 U.S. Code 1681b Section 605A 15 U.S. Code 1681c1 Section 605B 15 U.S. Code 1681c2 Along with other violations of Fair Debt Reporting Practices : 15 U.S.C. 1692-1692p 15 U.S.C. 1681-1681x

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 2023-02-07
Company: Millco Management
State: FL
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:
TODAYS DATEXXXX AMERIFINANCIAL SOLUTIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted XXXX back on XX/XX/XXXX I was told that my loans would go automatically go back forbearance until I receive a determination. It is now XX/XX/XXXX, my loans are now back into repayment. My Borrower Defense to Repayment is still valid an should be processed in a timely matter.

Company response to consumer: Closed with explanation