BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PDQ Services Inc is an account that I do not recognize on my credit report. I discovered this account XX/XX/2021. This account does not belong to me. I attempted to had this remove with all 3 credit reporting agencies and XXXX and XXXX has complied. XXXX has not removed this account after I disputed this account 4 times. I have a FTC report with the report number being XXXX. They still have not removed this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CL Holdings LLC
State: OK
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:
I was a victim of identity theft. There are XXXX accounts in collection on my consumer report. I have never done any business with. Nor have I signed any agreement to contract. I have no clue who they are or how they obtained my personal identifiable account information without my permission. If this is a third party collection agency I never consented to sharing or use of my information. I have filed an identity theft report and can provide a copy of my copyright notice they are in violation of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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: Account information incorrect

Complaint:
My concern is incorrect information being reported regarding the following. 
Tradelines. According to 15 USC 1681 section 609 states the CRA can not provide incoreect or erroneous information. 

I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions According to the statutes listed the first violation is privacy my transactions should not reported or furnished without my wrutten concent. 

1. DEPTOFEDXXXX ACCT NUMBER XXXX Last Activity XXXX XX/XX/2023 Experian XX/XX/2023 XXXX XXXX XX/XX/2023 Date Open XXXX XXXX Experian XXXX XXXX. XXXX Creditor type XXXX Miscellaneous Education Experian XXXX XXXX XXXX. Miscellaneous Finance

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 2023-04-08
Company: Experian Information Solutions Inc.
State: MD
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:
The Following account numbers have been reported to my credit report without proper consent, and the information provided is inaccurate XXXX XXXX, XXXX, XXXX improper origination date and incorrect creditor type In addition my private transactions wee furnished without my written consent According to 15 USC 1681 section 604 states the CRA must provide correct information.

I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-17
Company: JPMORGAN CHASE & CO.
State: OR
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:
I paid for a XXXX bedroom apartment stay on XXXX via my Chase Sapphire Reserve credit card. The host moved me into a studio at XXXX when they couldn't get access to my booked apartment. XXXX spent XXXX days giving me the runaround, then said that they're not going to refund the difference in cost and closed the case. When I disputed the charge to Chase, they declined to continue the dispute because I stayed in the smaller space while trying to resolve the issue with XXXX. Now I have to pay for a space that I never got to see!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am an elderly citizen, I been suffer fraud and I been scam of of unscrupulous people, taking advantage of my lack of knowledge and vonavility of internet technology. 
This situation cost me a lot a financial and emotional in poor shape. 
I been banking with my current bank for more than 27 years and they Knew all the rutine and movment of my funds, and they did not protect me. 
I follow report with the FBI and the Police, unfortunate m Bank the one institution supposed to help me they look other way. 
This situation is costing me my mental heath, so I have keep seen my therapist, I lost all my savings, Please I am asking you help, in this matter. 
Attached is the file Thank you so much

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXXXXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.

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 explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NC
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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have emailed Captial One CEO and talk to other People at Capitial One I had a credit card I paid off.. It was charged off it keep reporting as charge off every month when its not supposed to the dola date doesnt match at all and tia not reporting the same on all 3 credt reports.. I know for facr capitial one has deleted accounts off reports acorrding to u.sc 1681 any informarion that has to be reported accuartly and it has not rhe dola date doesnt match all captial one keep doing is reporting as charge of chragre off which it is dead account smd paid for and its not reporting accurate either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
I value your help to REMOVED a portion of the data on 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 # XXXX. 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanDepot LLC : Mortgage account # XXXX, borrower name : XXXX XXXX, Call Cell # XXXX for Soc. Sec # ). 

We experienced a flood in our house the day before Hurricane Ian swept through which turned off our power for 2 weeks. We tried to clean up the water as quickly as possible before we evacuated and before the power went out. However, after returning to the house, mold started to form. We were able to get a contractor out immediately. The contractor gave us an verbal estimate, we accepted, he invoiced us and we paid out of pocket. We also paid out of pocket to Home Depot for rental clean up equipment and flooring supplies. The flooring company removed the damaged carpet, treated the mold and replaced the flooring. We submitted a claim to our insurance company but as part of our mortgage agreement, any checks issued by the Home Owner 's insurance over {$40000.00} has to be sent to the mortgage company to disburse the money. 

We submitted all the documentation to the mortgage company plus receipts for the above mentioned repairs totaling {$7800.00}, the endorsed insurance check for {$52000.00} and overnighted it to them on XX/XX/XXXX. They still have not dispensed any of the money to us. We are in the process of getting estimates for other work in regards to this claim, but we will not be able to pay them a down payment, because we have put so much of our own money out of pocket. They are holding up disbursing the {$7800.00} because they said they need a copy of the estimate from the flooring company even though they have a very detailed invoice with a phone number that they could have called. I also spoke with someone at LoanDepot Loss Draft Department on XX/XX/XXXX who said the detailed invoice should be fine. 

I have had to take off from my teaching job to work on this issue yet again. I was luckily able to get a hold of the contractor that did the flooring and he was able to email me a printed estimate which I have just sent to LoanDepot, but I have no faith in them that they will respond in a timely fashion. 

Please help in getting them to send us this money and in the future any additional money from this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Lockhart, Morris & Montgomery Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To who it my concern i XXXX XXXX already have three complaints in with the cfpb on XXXX call to update i did that first letter on XXXX another letter XXXX contract us need more information i did that on on XXXX XXXX another came said complaint been sent on XXXX XXXX another letter company has responded still working on it got another letter on XXXX XXXX review the companys response to my complaints call the cfpb on XXXX called transunion closed two open ageny couldn't tell or explain to the responded on XXXX i talk to XXXX at XXXX  regional office she said this should've been closed XXXX  sold it to lockheart morris and Montgomery i cal led they the reception is told her what was happening she disrespect me lockheart morris been calling every XXXX said they going take me and me today at XXXX XXXX XXXX  i senting all my documents to cfpb

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i am in need of immediate need of my credit card to be opened as I never instructed for this account to be closed as it is against the law to close an account without my written consent to close the account. I am being damaged and I need this account opened as i am experiencing actual damages and I can not use my own credit. open my account now. provide proof that I allowed this closure?

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 2021-03-16
Company: ARVEST BANK GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/21 - {$2800.00} auto drafted from account ( {$1100.00} over set mortgage payment ) XX/XX/21 - Called customer service, was not given an explanation, told that they would " look in to it '' XX/XX/21 - return call from customer service to let me know that case was opened and refund was processing. 
XX/XX/21, no refund pending, called customer service. Issue was blamed on a state of SC tax error and escrow account, no solution or ETA of refund offered. 
XX/XX/21 - called customer service again, no progress on refund. Was told it had not been processed. Asked to place limit on auto-draft at set mortgage payment, was told this was not possible. Asked for email documentation of my requests, was told this could not be provided. 
XXXX- called customer service again, refund has not been processed. Asked to remove escrow from auto-draft to track taxes on my own. Was told this would be a {$700.00} fee to amend the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 filed an dispute with all three bureaus and I have not received any investigation results.

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: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my several 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 XXXX XXXX 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 2023-09-26
Company: Experian Information Solutions Inc.
State: IN
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:
Im submitting a complaint to you today to inform you I found these inaccurate addresses in my credit reports and I did not find my current address included. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of addresses which do not belong to me : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation