BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, it was brought to my attention that someone had committed a fraudulent act on my identity. I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX, where I have been informed that I have a {$520.00} delinquent debt. I called and inquired with this collection agency the reason for the debt. They told me that the delinquent account had originated from XXXX XXXX for a bed mattress that been purchased from XXXX XXXX, a company out of XXXX, Maryland. 

I explained to the collection agency, that I had never heard or purchased anything from this company. Additionally, I informed them that I had never received a bill advising me of the outstanding debt. I then contacted XXXX XXXX XXXX representative and they spoke with the manager concerning who opened an account with my data. They explained to me that for someone to be eligible for a leasing contract of the approval purchases any mattress ; the customer only required they provide two forms of identification. I am assuming that a person who used my identity was able to get a leasing contract approved fraudulently with XXXX company. 

I would like to file a complaint and request action to have this matter resolved. I am not responsible for the debt that was made and am willing to go to trial to show that I am not the person who opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: LFG Data Services Holdings, LP
State: NY
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:
Hello, I trust this message finds you well. On XX/XX/2023, I reached out to the LCI Consumer Center to seek clarification regarding a reported bankruptcy item linked to XXXX XXXX XXXX XXXX XXXX XXXX They claimed to have received verification of this bankruptcy item from LCI Consumer Center. My inquiry was a straightforward one : to ascertain the accuracy of these claimswhether LCI Consumer Center indeed confirmed a bankruptcy item associated with XXXX XXXX XXXX XXXX XXXX XXXX on my report or not. 

As of my writing, I have yet to receive a response from LCI. Upon conducting a thorough examination of my credit report with XXXX, I couldn't locate the alleged bankruptcy item. While I appreciate any efforts made by LCI to rectify my credit report, I am puzzled as to why XXXX asserted that LCI confirmed the presence of an item that no longer exists on my report. Unfortunately, the lack of resolution has led me to file this complaint in hopes of eliciting a response. 

Enclosed, please find the following documents : 1. Correspondence sent 2. USPS confirmation of delivery on XXXX XXXX XXXX. A copy of the Court House letter affirming their non-engagement with credit bureaus or reporting agencies 4. A copy/email of XXXX also affirming their non-engagement with credit bureaus or reporting agencies. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, XXXX, and experian are all reporting inaccurate personal information on my credit profile.

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 2019-04-18
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a check payable to the US Treasury Department on XX/XX/2018. A PNC customer ( named XXXX ) deposited the check into their own account ( it seems to be a business customer ). I have contacted PNC and XXXX and neither have responded despite my 3 times to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
SINCE IT IS AGAINST THE FCRA 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( 15 USC 1681B ) FOR AN ENTITY TO VIEW A CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, I AM DEMANDING FOR XXXX, EQUIFAX, AND XXXX TO REMOVE THESE LISTED INQUIRES BECAUSE I DID NOT APPLY FOR CREDIT. THESE FRAUDULENT INQUIRIES WERE OBTAINED UNDER FALSE PRETENSES WHICH VIOLATE 15 USC 1681N ( A ) ( 1 ) ( B ). INQUIRIES : XXXX XXXX XXXX ( FINANCE ) XX/XX/2021 XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX FINANCE  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX I go by XXXX XXXX. Im writing this letter to request the results of the investigation and to get my money back. I made a cash payment on my credit card on XX/XX/XXXX between XXXX pm First time I tried to put {$1000.00} but the ATM rejected because the amount exceeded the balance. So I took couple bills out ( I didnt count exact amount which I could remember my balance was between 700-800 ). Them the transaction was successfully. I didn't take the receipt as I never do. After a few days, the transaction still didnt show on my account. 
I went to the branch to file a claim on XX/XX/XXXX. Since then, I had to go back and forth the branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) many times and still havent received my money. They gave me the temporary amount then took back. Then again. I need to know what exactly happened to my deposit and the result of the investigation. I have written a letter and contacted with the Executive Office back and forth for many times. also I requested that I need to see the camera footage, but both branch and investigation department would not do it. I am so disappointed how could a well known national bank just ignore a loyal customer 's simple request and help. 
Since I have been unsuccessful with Chase back. I am asking you please help me with the issue. I would really appreciate it. My phone # ( XXXX ) XXXX XXXX Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions 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:
Take a look at the attached documents. I urge the bureau to commence an investigation into these accounts, as I have consistently been on time, contrary to their reported late status.

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 2023-12-02
Company: ONLINE Information Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Online Information Services, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with the Mortgage relief program application XXXX as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and I just got off the phone with them XX/XX/23 XXXX PST. They have stated that the issue appears to be that my servicer has given them an incorrect amount that was past due on our loan. The mortgage relief program released {$60000.00} to cross country mortgage but then cross country mortgage returned those funds to the program because a loan modification was completed and they didnt think that I was approved for the program. I was approved and the past due balance of our account is {$16000.00}. Cross country mortgage has closed my loss mitigation file. They need to reopen my loss mitigation file and let the Mortgage relief program know the correct past due balance of {$16000.00} so they can release those funds to bring my loan current and both companies can close out the file. The XX/XX/23 mortgage statement that I included shows that I am still {$16000.00} late on my mortgage. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX  has also closed out a previous ticket ( complaint # XXXX ) I had regarding this matter because they had promised to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In my complaint about Regional Acceptance, they stated that my repossession was not voluntary. It was due to the fact that my ex turned it into the dealership located in XXXX, TX. Regional failed to respond promptly when I called to let them know where the car was located. Furthermore, Regional sold my debt to a collection agency and should not have any say so on how this issue should be resolved. Once it was sold, they no longer had that right. I want this debt removed from the credit reporting agencies since the FOUR year statute of limitations has ran out, not SEVEN like they are trying to state when they have no say so. Texas is four years, not seven. As a consumer, I know my rights and I would appreciate Regional not trying to play for me stupid.

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: EQUIFAX, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX  XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update these account. 

Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please correct this mistake immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I was a victim of true identity fraud for transactions totaling {$10000.00}. Fraud was resolved in my favor and the charges were reversed. Capitol one continues to have break downs in communication and as a result I closed my account with them. They reported my account as a charge off unlawfully even as the account was a fraud dispute and now one where they have paid me refunds. I filed IC3 reports as well with the FBI. Capitol one has updated this account once but then reported it again as a charge off after resolving it. There was no 1099c sent to me per law and either way a 1099c shouldnt have been sent due to fraud. Its additionally not a charge off because the charges themselves were not legitimate and they do not have a debt. My account status is paid as agreed, never late no balance, closed my consumer however its presently showing with charge off and reporting delinquency date. I am frustrated by the practices of capital one as they have been resistant to resolution within their systems and several points of contact. I have fraud liability protection on the cars and the company is presently in breach of contract with me. The rep at extension XXXX XXXX ( phone number XXXX ) can confirm there has been attempts to appropriately update the account but the updating doesnt hold. Capitol one told me they could not provide me a letter addressing the known errors because they only provide autogenerated letters. Those letters do not address the actual issues with my account and the inaccuracies they are to fix. Refunds for the fraud were apparently issued : 1 ) .20 Initially sent XX/XX/XXXX 2 ) {$4800.00} initially sent XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
equifax will not accept a dispute, on line or phone, they put me on hold half hour and say they can not find my file, they are reporting incorrect info to my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
Please help me. Ia attached my driver 's license, proof of address. I need your help to remove this as soon as possible.

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 2023-06-11
Company: EQUIFAX, INC.
State: OH
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 UNDER 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice : Cease and Desist Pursuant to 15 USC 1692 c ( c ) ATTN : To whom it may concern : I, XXXX XXXX XXXX Consumer and Natural Person, have been made aware that Affirm Inc has committed multiple violations of Federal Consumer Protection Laws. 


The Truth In Lending Act The Fair Debt Collections Practices Act The Fair Credit Reporting Act 1. I, XXXX XXXX XXXX, dispute any alleged debt from Affirm Inc and all Financial Services. 
2. I, XXXX XXXX XXXX, request validation of debt via audit trail pursuant to 5 USC 552 a ( d ), including all documents, but not limited to signed credit applications, assignments, purchases of debt, ledger of account and other documents relating to the consumer for review and validation.

3. Zero out balances and all funds paid by the consumer, XXXX XXXX XXXX to Affirm Inc and returned to the consumer, XXXX XXXX XXXX, including down payments and monthly payments. 
4. Remove all negative statements about the consumer, XXXX XXXX XXXX, via credit reports, including late payments and derogatory remarks. 
5. Pay damages pursuant to 15 USC 1611 criminal liability {$2500.00} per violation.

6. Return the title, with no lien, to the original creditor, XXXX XXXX XXXX. 
7. Cease communications and use of my intellectual property, unless pertaining to the validation of the alleged debt or remedy for violations committed against me. Any further communication with the consumer, XXXX XXXX XXXX, must be in writing, delivered via mail to the address on file. 



This is a Cease and Desist notice pursuant to the Fair Debt Collections Practices Act FDCPA. Failure to honor my demands and provide proper validation of the alleged debt within 10 days of this notice will ; A. Be taken as tacit agreement to the claims set forth B. Grant consumer all demands and remedies C. May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 825 F.3d 317, 325-26 ( 7th Cir. 2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf ; siding policies, 225 F. 3d at 404-05. 




Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
See attached. I am writing to dispute certain inconsistencies and potential Metro 2 violations regarding an account listed on my credit report. 

After recently submitting my 3rd dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. Your company is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

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 2023-05-17
Company: GOLDMAN SACHS BANK USA
State: AR
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:
XXXX XXXX is not mine, I don't even have this card but yet it states that this was an inquiry on my credit report. 

It's a Bank Credit Card inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: CA
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 checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance {$380000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I dont have exact dates since I am holding this account more than 6 yrs now. I have seen few charges here and there but never got any response from Wells Fargo.

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