BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-09-04
Company: Kriya Capital, LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Account does not belong to me. I have no agreement with Credence resource management. I demand that credence resource management delete accounts from all major credit bureaus as its causing me financial hardship. I have sent letters to credence to validate tradeline but no respone.I have attached a copy of the letter. 
I demand that the validation of this debt be provided in the form of a verified statement by an individual with firsthand knowledge of the debt. This individual must be able to attest that the debt was incurred legally, was not disputed due to returned, faulty, or recalled consumer products, was not claimed as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
I contacted the company multiple times I just recently gotten email from them said it will be deleted but it has yet to be deleted im not sure what's going on I proof & document to support what im saying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
While I was closing on my house, my real estate agent asked me to wire the closing funds to Bank of America ( {$48000.00} ). She sent me the email with the bank name and accounting and routing number. My agent told me she didnt see the money. I called Bank of America to ask them, they told me they will the funds in a secured account. My bank XXXX XXXX XXXX XXXX advocated on my behalf and Bank of America returned approximately {$18000.00}. I am still trying to find out what happened to the rest of y money. Bank of America will not respond.

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I was scammed using my debit card on XXXX XXXX  they still have not returned my XXXX to my account spoke with a XXXX in complaints she stated theres nothing they can do if merchant doesnt return funds its not fair for a consumer to lose XXXX and nobody seems to care XXXX XXXX or Bank of America

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 2022-04-28
Company: CITIBANK, N.A.
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 checked my credit report on XX/XX/2022. My XXXX report showed a hard inquiry from Citibank NA XXXX on XX/XX/2022. I did not apply for this line of credit. I filed a dispute with XXXX on XX/XX/2022 and they completed that dispute on XX/XX/2022, stating that the report was accurate. 
On XX/XX/2022 I called XXXX and was told that Citibank should be able to tell me how this credit inquiry was made without my consent. After 14 phone calls to every Citibank number I was given or being transferred to, I was told that they showed no accounts in my name. 
But no-one could explain how a hard credit inquiry was authorized without my permission. I don't know if this is fraudulent activity or sketchy business behavior?

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 2023-04-16
Company: EQUIFAX, INC.
State: MI
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 sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
discover home loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
** Thus is not a third party complaint** On XX/XX/XXXX I was attempting to pay XXXX to began the start of my business. I had the necessary funds needed to complete said transaction except my card continually got declined. So seeing the declined messages made me go check my account because as I've stated I had more then enough to cover the transaction. I called my card company after seeing that {$250.00} dollars was taken out of my account for no reason as all of my attempts at my transaction were declined. I had no resolve until the third call where I was told that could expedite the cancellation of the transaction. I was even told to call the merchant in which I did and that did not have anything in their system about my transaction. This has put me in a real bind as I was looking to start my company and have the rest of my funds to take care of my daily personal needs gas in my car clothes washed etc. No matter how many different reps I spoke to at Credit Karma and told them a declined transaction should not have resulted in a hold on my account and they needed to release the hold they did not listen. My money is still on hold and in limbo because the merchant does not have it and neither do I. I had to borrow money to do my daily needs because of theirs company when a declined transaction should not have my money on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 is submitted a complaint ( XXXX ) these derogatory items were supposed removed from my credit file since the complaint was closed. This company aren't allowed to collect debt whatsoever, and now upon checking my reports after updating my new address information I see that these creditors are now sending new correspondence to my new home address. This is harassment and against the law. These harmful items still exist and are seriously damaging to my score. They now have a new company reporting the same debt this company 's name is Phoenix Financial Service. Upon checking with my state this company is also unlicensed and unauthorized to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX  Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX amount : {$1700.00}

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion keeps sending me the same responses for the alleged accounts listed below. How can you possibly say that these alleged accounts have been verified when there are so many inaccuracies regarding these alleged accounts. Both XXXX and XXXX deleted these accounts due to the fact that they were unable to verify these accounts yet your company keeps telling me the opposite. First of all how can you possibly be able to verify these alleged accounts when from the looks of it you are clearly reporting DUPLICATE accounts. Remove these accounts immediately or I will take you to small claims court because you are clearly not protecting my rights as a consumer and you are not taking the steps to properly verify this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I want an investigation with XXXX XXXX as their seems to be an hard inquiry on me credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX  XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022. 
I already had an account which was included into the bankruptcy so I never tried to reestablish credit with them after or during my filing process.

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 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 have numerous hard inquiries on my credit report from XXXX XXXX XXXX XXXX and capital one. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 Capio Partners receive a validation letter from myself via certified mail requesting validation or a contract baring my signature in regards to a collection request from Capio Partners. However, on XXXX XXXX I received in the mail a list of medical records that they did not have authorization to access. This is a directed violation to my HIPAA rights and regulations. On these records are documentations of medications received and/or procedures done. Again, I did not authorize Capio Partners to have ANY access to my medical records. Please be advised that I am aware of my HIPAA rights/regulations and I know for a fact that this is a direct violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with XXXX XXXX  XXXX to refinance on my home that is a VA loan, have called multipul times to recieve a MORTGAE NOTE since XX/XX/21 and all they are giving me the run around XXXX XXXX XXXX call the week before and still nothing have called multiple times after. they gave me some number tab # XXXX what ever that means.is there anything I can do I really wanted to refinance this home thru HARP thank you LOAN the money source inc acct # XXXX My name XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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 XXXX XXXX contacted these creditors and the reporting agencies multiple times to remove these accounts from reporting to my consumers report. It's a violation of consumer law and I will start seeking legal action if items and accounts are not removed within 45 days of this report dated XX/XX/XXXX! I also attached previous letters that were sent certified to the reporting agencies and creditors as well. More letters are available as well with dates of the year XXXX  showing you multiple times I asked for these reports to be removed. If more letters are needed please be free to contact XXXX XXXX XXXX. The accounts are XXXX XXXX XXXX XXXX * account number XXXX XXXX XXXX *account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Someone is trying to open credit cards with my information

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 2023-11-10
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I initiatied an auto insurance policy with XXXX XXXX XXXX for my automobile financed. A couple of months later I added a paid for vehicle to my policy. On XX/XX/XXXX, I contacted XXXX and informed them that I was selling the used vehicle and I didn't need auto insurance anymore due to me not having a vehicle. The customer service agent then notified me that Tennessee law requires residents to have automobile insurance regardless of ownership. Nevertheless, I was not in a position where I was going to pay for auto insurance on a vehicle which I no longer owned.I informed the agent to cancel my policy and send me written notification of the cancelation request in question. I never received written confirmation of the request in question and I received notification from Caine & Weiner Associates that they were attempting to collect debt on a satisfied account. The Fair Credit Reporting Act { 15 U.S.C. 1681 ] ; states that ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Letter was sent to the company involved a while ago, I'm just following up to be sure they no longer have my information in their system as owing any alleged debt. 2nd letter was sent XX/XX/21. IC Systems received it on XX/XX/21. At the time, I was not aware my rights were violated, but now I do. Pursuant to 15 usc 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. This company is also in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692g, 15 USC 1692c, and 15 USC1692c ( 2 )

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 2023-09-01
Company: EQUIFAX, INC.
State: IL
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:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
I was charged XXXX from XXXX that I did not authorize. I contacted Chase bank and did a dispute but they denied it. Ive contacted several departments and was told they did a thorough investigation. I asked them how can you do a thorough investigation when I havent had the opportunity to send in evidence. 
They believed XXXX instead of their customer and refused to put the money back in my account. 

Im on a fixed income receiving unemployment. It wouldnt make sense to spend XXXX on a Ad when I only get unemployment and ebt benefits. 

My account is in the negative because of this unauthorized charged. I cant afford cover this charge and now Chase has threatened to close my account soon if I cant get checking account to a positive status. 

Ive called Chase, chase executives, Ive emailed the CEO, submitted a complaint to the XXXX  and still no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Remove all Fraudulent Accounts Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX my student loans were transferred from XXXX XXXX to XXXX. As of today, XXXX XXXX is no longer an active company and does not exist. 

In XX/XX/XXXX I filed a dispute on my account because XXXX XXXX and XXXX were both reflected on my credit report. Because it was a transfer of loans, only XXXX should have been shown. After the initial report, some of the loans were deleted off the account but 3 remained. Late XX/XX/XXXX into XX/XX/XXXX I reported that the 3 loans remaining were a mistake and duplicates of the same loan on my account ( XXXX and XXXX ). XX/XX/XXXX Experian completed the dispute and found no duplicates. At this point I added " additional information '' to the report with a screenshot of the duplicate loans showing XXXX loans matching the XXXX XXXX loans that no longer exist. The dispute was re-opened/a new dispute was opened. XX/XX/XXXX the dispute was completed. In the results it says the XXXX loans were " Updated '' and the XXXX were processed. The XXXX loans are still on my account, giving my total student loans debt approximately over {$13000.00} more than what I owe.

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 2022-04-28
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So Wells Fargo closed my account because of some scam checks I received in the mail, I didn't know because I have a history of getting unemployment checks and deposits with Wells Fargo and that Account and was told, I would get my funds because of history

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 2023-11-11
Company: LEXISNEXIS
State: NY
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE

Company response to consumer: Closed with non-monetary relief