BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2021-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX credit card account : XXXX or my last 4 ssn # XXXX was originally opened by me solely. In XX/XX/2015, when my home was burglarized, a charged alert email/text informed me that someone was using my XXXX Card at the next city over in XXXX ( I was living in XXXX XXXX and a copy of the XXXX XXXX Policy report attached for this identity theft ). It was then that I realized that my cards including my passport and social security card ( that were in a portable safe ) were stolen. 

I called XXXX card within hours of my home burglary and informed that my identity will be compromised due to the items that were stolen on the SAME day of the incident. 

My credit have been compromised and credit reporting from XXXX XXXX does NOT reflect that the charges and balances were from someone else using my identity because they stole all my valuables in my home. 

Please removed the negative credit reporting from XXXX XXXX from my credit reporting to reflect that my identity was stolen from the police report and FTC report. 

Thank you and I appreciate your help with this matter. 

Sincerely, 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 2023-07-11
Company: Experian Information Solutions Inc.
State: TX
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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} EXPERIAN XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on 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 2023-05-04
Company: KeyStone Financial ,LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I received a live check from Keystone Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and took the check to get cashed and they caajed it a few days later they called the check was returned to the place that had cashed it and said that within the time I received the check and between cashing the check my XXXX  score had dropped that I wasn't supposed to have cashed it then a few days went by and now they are telling the place that cashed the check for me to call the police and report me to bring charges against me for cashing the check they refused to cash it for the place that cashed for me and therefor they have dishonored their contract thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-04-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity bank good XXXX rewards card. I was on a 6 month promotion with no interest however as I paid the payments the amount was applied to my new balance not my old amount first leaving a {$24.00} balance after my last payment to still charge me the interest that was on the 0 interest paid in 6 months. Im an accountant and all revivable pays are applied to the oldest balance. I called the company on XX/XX/22 to have the payment correctly charged to complete my promotion and asked for a supervisor and was hung up on by the service representative named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an email from Wells Fargo giving me information on how to access statements for an account I never opened. I DO NOT HAVE, AND NEVER HAD, ANY BANKING OR FINANCIAL BUSINESS WITH WELLS FARGO. 

The Wells Fargo " customer service '' will not do anything, even verify if they sent the email, without me giving them personal information. They would not even verify if the return email address belonged to them. I am supposed to go to one of their institutions to have someone look into it. 

I need to make sure I have NO accounts with Wells Fargo. 
I want any and all personal information they may have on me removed from their possession. They do NOT have my permission to have any information about 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 2022-04-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
today XXXX at XXXX I received a call on my private cell phone number whereas I have been receiving calls on this private number from realtors, investors and etc while I am litigation with this present fraudulent foreclosure on my home. In one of my previous CFPB complaints I mentioned that my number is being given out to many to harass me to pressure me to give up my home or sell to them when I am fighting for years in court to stop this fraudulent foreclosure attempt with forged/photocopied documents. This call told me that they at Chase were monitoring my payment transaction history and want to offer me a payment offer. I hung up because this is a non existent debt that they well know I am in court with. These calls started over 2 months ago and Chase has already been told to stop giving out my private number and to not use it at all. I want these calls stopped as well as the mailings and emails etc... This is harassment and fraudulent foreclosure tactics to threaten and terrorise me for my home. I am XXXX yrs old, XXXX, indigent and recently had a second cardiac in the past 2 weeks having to be hospitalised stress triggered. I had XXXX XXXX in XXXX of XXXX and this harassment is taking a toll on my health being a life threat. The number Chase called me from at XXXX today XXXX is XXXX when they know this number is not for them to use for anything!!!! My landline is listed with this Chase. XXXX XXXX is hiding their involvement in this fraud/, abuse/profiteering, so much so they have denied me 3-4 FOIA requests in since the laws have included them in their obligation to respond to FOIA requests in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO
STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XXXX 2022, I opened a capital one venture X credit card. Within one week, my data had been stolen and used fraudulently. The company froze my account. In XXXX 2022, the fraud claim was resolved and charges were refunded to my account. However, there were actual charges made by me and the {$390.00} membership fee. Although the fraud was resolved, the Company wanted to verify my identity before unfreezing my account ( blocking all functions but payment on existing balances ). I called throughout XXXX and XXXX and was told their department was handling my account and the only thing I should do was make the payments ( including the membership fee ). By the end of XXXX, I had paid off all balances. I called once more XX/XX/XXXX and was informed they were still reviewing my account. On XX/XX/XXXX, I called again and was told my account was closed and I was outside of the refund period for the {$390.00} membership fee despite only one week of usage and my repeated attempts to get my account unrestricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

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 2021-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collections account on my credit report by Portfolio Recover Associates ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.

6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: SC
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 have been dealing with identity theft issues for the last several years. A while back I was notified that important information was exposed in the XXXX data breach. I didnt notice anything strange until a few years later when I received another notification about a huge data breach with XXXX. After these events I noticed random inquiries that I supposedly applied for credit with, but this was not me. So I started looking into it and I ordered my credit report. Once I got my report I was able to detect fraudulent information reporting on my credit file. This was definitely fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive sent letters of dispute but Ive never received an answer, items that are too old are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: ALLY FINANCIAL INC.
State: TX
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:
Ally Financial is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.

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 2023-07-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have opened a new business account with Chase bank on XX/XX/2023. Same day I have started using their merchant services through Chase XXXX XXXX, send payment link. I have sent payment link to 3 customers, one on XX/XX/XXXX, two on XX/XX/XXXX. 3 payments for total amount of {$1100.00} went through but were never deposited into my account. I called chase several times, and at first they were telling me that payment are in review until I received an email on XX/XX/2023 that my account has been permanently closed and they are holding funds for 120 days quote high risk of chargeback. I called them again and ask them to refund money to the customers if they are worried about chargeback and I will ask them pay another way but chase refused to process refunds. I have submitted proof of these 3 clients having their appointments done with our XXXX, their consent forms ( names matching name of payment ) but still did not receive my money back. Now chase is doing the same for my second business account that I had with them for 2 years. Last payment that was accepted on XX/XX/2023 still hasnt been deposited and when I call them, they say its in review. I have visited their location, spoken to my business manager but they say they can not do anything. I have not had one chargeback in all two years of doing business through chase, and m these clients are my regular clients who had paid before without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: FIRST NATIONAL BANK OF OMAHA
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: Account status incorrect

Complaint:
First National Bank of Ohama is reporting late payments on my credit reports due to a transfer of accounts from XXXX XXXX  XXXX credit card. According to First National Bank this transfer happen in XXXX of 2022. I was not aware from both banks of the transfer of accounts. Please keep mind during my time with XXXX XXXX  I was never late with a payment because my account was on automatic payment from my checking account. The only way that I found out of the transfer because I answered a XXXX phone number that ask me personal questions of a account for XXXX XXXX XXXX Of course I did not give out personal information unless the company told me information about me. When First National Bank of Ohama gave me the information needed then we began to speak about the account. Please keep in mind of identity thief for giving out information to a company I never agreed to do business with. I spoke with XXXX the supervisor at First National Bank of Ohama and told XXXX I was not aware of the transfer process between XXXX XXXX  and the late payments should be removed. The payment was for XXXX dollars and I immediately paid that amount. The Fair debt credit reporting act give me the right to issue this complaint or take legal actions due to unfair practices by Fair National Bank of Ohama. Once the bank took over the account the automated payment should have been included during the process. Please understand, I am a consumer and have rights for fair reporting. If this transfer would have happen with notice and a new issued card to the address on file then this complaint would have never happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NY
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:
This is my multiple letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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 2020-09-30
Company: Experian Information Solutions Inc.
State: IL
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 never filed for bankruptcy and the Bankruptcy court did not furnish that information so please remove it under 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 explanation