BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RPM ( Receivables Performance Management LLC ) has send a letter to my home regarding a debt from XXXX XXXX XXXX XXXX XXXX ( original debtor is XXXX XXXX XXXX ). that I do not owe. I lease a vehicle from XXXX years ago that I eventually returned. The lease was paid out of my XXXX earnings and vehicle was returned after a couple years with no issues. The original debtor never stated I had an unpaid balance because I did not. This debt is not valid nor accurate. The notice date of this debt is XX/XX/2022.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: WA
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 am requesting that it will be removed from my credit report 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 2022-02-14
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to refinance my mortgage which is with XXXX loancare to a lower rate with XXXX XXXX. 
Loan Care is not responding by not giving payoff amount as of a set date of XX/XX/2021 in writing which they require! 
it has been over 2 weeks and I have spoken with all reps and gone on the automatic system to get fax back of the amount within XXXX hours and still no response! 
I do not want to loose my refi rate Loan Care XXXX Pay Off XX/XX/2021 In writing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
i call capital one several times ... Since XXXX when i gotten a news about i have came down with XXXX and getting treatment I ask capital one if can work with me about reduce payment or lower the interest until now XXXX they said big NO.. spoken to several manager and still NO. it as been 3 years and the account go up and not down what can i do next thanks for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: CBC Companies, Inc.
State: IL
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've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the accounts are all follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: JPMORGAN CHASE & CO.
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 fell behind on payments on my Chase credit card. I contacted them and closed the account and made arrangements to pay off the balance. I paid off all but around {$1000.00} and I called to try and settle as I could not make the payment anymore. They told me no, I could n't settle. So I stopped payments. That was in XX/XX/XXXX. Ten years later, this is still on my credit report. The report says I was making payments through XX/XX/XXXX which is a complete lie. The last payment I made was in XX/XX/XXXX. It also says the last contact I had with them was in XX/XX/XXXX. Again, a lie. This should 've been removed from my credit report years ago. Furthermore, if I had been making payments for those 5 years between XX/XX/XXXX and XX/XX/XXXX, the balance would have been paid off! They are blatantly lying about my account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: SC
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:
Received alert from XXXX XXXX based on fraudulent data. XX/XX/18 After talking to several people at XXXX XXXX on XX/XX/XXXX I was then left on hold over 30 minutes to be forwarded to supervisor then hung up on me,. Recalled, and told must call Equifax. Equifax told me it was XXXX XXXX problem, call them, On hold again 40 minutes. Told Not their problem, call Equifax. Refused to give me a phone # other than that on web site #. 
All Credit Cards # on XXXX XXXX suite are fraudulent. All reports on Credit status for past 10 years aprox, have been Fraudulent.

Have PAID for this inept service for over 10 Years!.

NO ONE offered to help resolve problem at XXXX XXXX or Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
My name is 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 reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove ASAP.

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 2022-02-14
Company: Bread Financial Holdings, Inc.
State: PA
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 chronological order of events : XXXX. Through my Bill payer service, I sent full pay-off amount of {$40.00} to Commenity Bank XXXX XX/XX/2021, which was XXXX days prior to the due date. XXXX sheet attached. 
XXXX. Commenity Bank alleged they did not receive payment for app XXXX weeks. I was charged a {$35.00} late fee plus {$2.00} interest, resulting in a new balance of {$77.00} XXXX. Sent my first letter, dated XX/XX/2021 which disputed the balance and late fees. Received no response. XXXX sheet attached. 
XXXX. I continued to receive monthly bills adding new late fees [ {$35.00} each month ] & interest each month. 
XXXX. I sent a XXXX letter, certified with return receipt, to Commenity Bank, which they received XX/XX/2021. I again disputed the entire balance. I provided a copy from my bank 's Bill Payer service documenting my payment of {$40.00} [ which paid off my account ] was sent on XX/XX/2021. 
XXXX and XXXX sheets show copies of the letter I certified with return receipt. 
XXXX sheet attached is a copy of my Bill Payer service printout. I use XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Received a letter from Commenity Bank, dated XX/XX/2021 - they were researching my dispute of the charges and they requested XXXX days to research and respond to my allegations. 
XXXX sheet attached. 
XXXX. It has been over the legal allowable XXXX day time frame which Commenity Bank has to resolve a complaint. I am requesting intervention from XXXX XXXX XXXX XXXX to get this issue resolved. 
XXXX. The XXXX sheet I attached is my most recent bill, showing a balance of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed several of my credit cards due to a return payment on just XXXX of my Capital One credit card, but they closed XXXX instead. I called Capital One and explained to them that XXXX  XXXX XXXX had problems with XXXX and my payments got returned. Capital One is XXXX of the owners of XXXX and could have easily checked my claim and kept my accounts open, but they chose to close my accounts after 20 years on onetime payments. I then filed a complaint with CFPB and got a generic response which is a unsatisfactory result. They did no investigation, nor did they try to contact XXXX  XXXX XXXX or XXXX to confirm my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-03-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/2023 I ordered, through the website, a product from XXXX that they claimed was instock. On XX/XX/2023 I received an Email from XXXX claiming the product was on backorder. 
On XX/XX/2023. XXXX charged my Capitalone  XXXX account for {$170.00}, but did not send the product ordered. 
XXXX XXXX XXXX XXXX order was cancelled for failure to deliver the product. On XX/XX/XXXX an Email from XXXX stated that the order had be cancelled. 
XXXX XXXX XXXX a dispute was file with Capitalone about XXXX failure to return the amount charged. On XX/XX/XXXX an Email was sent to XXXX about not returning the money and that a dispute was open. On XX/XX/XXXX Capitalone credited my about {$170.00}. On XX/XX/XXXX XXXX returned the money. On XX/XX/XXXX Capitalone charge a purchase adjustment of {$170.00} to my card and is refusing to remove it claiming that the extra credit is unpaid when in fact basic math shows that all has been paid. Capitalone is refused to remove the XX/XX/XXXX claim which would be paying them an extra {$170.00} that Capitalone is not have a right too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a statement and a debit card in the mail. Contacted Bank of America and they closed the account and cancelled debit card on XX/XX/2022. Just received a statement for my husband from Bank of America. Called again today. XXXX will have to call to close this one but while on the phone I checked on my information again. Another account was opened in my name just yesterday - XX/XX/2022. They closed this account. We were members of Bank of America over 5 years ago. All accounts were closed. Why are they allowing accounts to continuously be opened in my name? I closed the first one and informed them this was fraud. They should not have opened another one.

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 2023-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The crime occurred somewhere online or either someone had stolen my personal info out of my wallet or back pack or in my mail from moving homes. I'm not sure and I do not know. but I do know is that I have countless transactions and charges on my card and bank account. That were not approved by me. I had filed to reports with my bank and requested what do I need to get this resolved I have never been a situation like this in my life. My bank has locked me out of my own online account to where I can not even view the information I need. along with why my submittals had been denied they can not provide me with information I need. they told me to wait. keep my account open because I can not view the info I need if I close the account. mean while this person has been using my personal info to open accounts move money over to some random account they have open loans in my name liquated the fund in my account and ruin my credit in the proceeds. While im getting behind and struggling to pay my bills. This has has been a domino effect that has just made everything in my life horrible. I do not even know the total amount lost from with the countless fraudulent transactions and loans but what is most alarming is how this person was able to get all the money. open two loans all under the radar without me ever signing anything or seeing anyone how these accounts got opened in my name one from Wells Fargo and the other from XXXX XXXX, then my bank is claiming I created these accounts when I had no clue. I was unaware until i looked closer at my statements I did not know someone was moving money from my account and set up payments for the loans how someone has stolen my identity and was successful at getting these loans taking the money out from my account and ruining my credit is truly mind boggling. Along with that I have been gettin harassment calls threats and and text from random numbers and people. Which has now put a toll on the relationship of the girl Im living with if I get kicked out I can not get approved to live any where with my credit ruing from all the unapproved charges transactions and loans. Its bad enough that she now thinks I'm cheating XXXX from these random number and pictures of girls claiming to know me from these malicious spam like texts and calls. As well as Wondering why my credit had been ruined when it was so good before. This experience had been a defamation of my character I cant explain the pain suffering this has created in life I havent been able to think straight since all of this has happened.

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 2022-03-22
Company: Nelnet, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2021 I had a late payment on my Wells Fargo Credit card XXXX. For some reason I made a payment and it didn't go through, I guess do to Holidays or Covid I am not sure. Now its in my credit showing a 30 day late payment. I am trying to purchase a new car and its effecting my credit. Please if its possible as a one time curtesy if my late payment can be removed from my credit. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief