BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I pulled my credit reports and found a person named : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has been using my social security information or credit on the dark web!!! I want this to be investigated and I want this information to be removed Along with the things hes applied for using my information and I want him persecuted to THE FULL EXTENT OF THE LAW!!! 
He has stole my information for credit gain purposes and need the negative information with the companies and collections hes imposed on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/22, I had a {$100.00} charge " XXXX XXXX, '' which paid for my Global Entry fee renewal. XXXX of the benefits of the American Express Platinum card is a refund for paying the Global Entry fee. Per AMEX 's Terms & Conditions, the charge would be credited within XXXX weeks of posting. Here is the language, directly from AMEX : If you do not see a credit for a qualifying purchase on your eligible XXXX after XXXX weeks, simply call the number on the back of your XXXX. XXXX XXXX are responsible for payment of all application charges until the statement credit posts to the XXXX account. 

Unfortunately, over XXXX weeks have passed ( actually XXXX weeks ) and I have yet to receive my credit, even after contacting AMEX XXXX regarding the issue. 

All I am asking for is the credit on my account ASAP, which is what AMEX promised to do in their own Terms & Conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
- Phone was stolen at a restaurant in the evening - Before I could deactivate it, culprit was able to change my XXXX XXXX password - Culprit changed my Chime login information so I could not login - In addition to other finance related offenses committed by the culprit ( that have since been resolved ), they sent the following from my Chime checking account to my XXXX XXXX XXXX  : {$500.00} {$500.00} {$3400.00} {$500.00} {$4500.00} {$30.00} {$490.00} TOTAL : {$9800.00} These were all done fraudulently without my approval. Since then, I have fruitlessly been in contact with Chime to resolve the matter but to no avail ( see below for timeline ), even including a police report to my claim. 

XXXX - I filed claim to dispute transactions- I reached out to Chime requesting to cancel all transactions/ inform Chime account has been compromised XXXX - Chime denied first claim for {$520.00} XXXX - Chime acknowledges my email from XXXX that my phone has been compromised XXXX - Chime denied rest of claim of {$9400.00} XXXX - I resubmitted claim. Attached additional documentation to it ( i.e. crime report, etc. ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - I resubmitted claim. Also messaged their XXXX XXXX. 
XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) This timeline is missing calls I've made to them, which were plenty. In addition, they have sent me the documentation they used to make this assessment twice. Neither time did it include the crime report or the documentation I shared with them outlining what happened that night. 







Personal Statement : On the night of XXXX, someone stole my phone and managed to get access to all my financial information. Since that time, this individual has caused significant damage to me both personally and financially. 

They have caused > {$20000.00} in tax damages. They have committed > {$20000.00} in fraud, etc. 

That night I was going out with other travelers. My phone was stolen at a bar. Somehow the individual was able to gain access to my XXXX account. 

Below I documented all the events. I will update if I find any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans. Was told by CSA that he " didn't know what a sixty-day payoff letter was ''. 
Called AidVantage XX/XX/23 and requested Sixty-day payoff amounts on ( 3 ) Parent Plus loans and the CSA understood my request and agreed to send the letters.. We received ( 2 ) of the ( 3 ) payoff amounts on Saturday XX/XX/23. *but did receive a payoff letter for a fourth loan that had been paid off years ago and showed {$0.00} balance? 
Tried to call AidVantage on Monday XX/XX/23. First call-on hold 45 minutes without talking to a human, gave up. Second call 42 minutes without talking to a human, gave up. 
Called AidVantage XX/XX/23, 42 minutes on hold before getting to talk to a human, and explained that we had only gotten ( 2 ) of the ( 3 ) payoff letters and the CSA agent stated that her system indicated the request was made but she could not explain why it hadn't been sent and she would make sure that it was sent within 24-36 hours. 
Today is three days later and no response. Our refinance vendor is pushing for the information and if not received in time will have to reapply and will require another credit check on me. AidVantage is PREVENTING me from refinancing my loans,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The foreclosure dates given was XX/XX/2019 I called before that date and they changed it to XX/XX/2019 and I called again and was told the foreclosure date was suspended and will get the information in writing never received anything in writing. Almost everyday and Im told different things from varies operators. Finally spoke to the XXXX he said that he would fax it today and still havent received anything. Also I received a modification application and I filed it out and they said that I was denied but I sent it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern I sent a dispute letter to XXXX on XX/XX/XXXX via certified mail with a return receipt. Informing them about a comenity bank account reporting inaccurate information on my credit report. Comenity bank was reporting a / XXXX account on my credit report that they sold to XXXX  XXXX XXXX XXXX back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from XXXX  XXXX XXXX XXXX stating that this account should have been deleted. XXXX refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave XXXX written consent or permissible purposes to report any account on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APPLIANCES 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 2020-04-08
Company: Experian Information Solutions Inc.
State: TX
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:
FTC VIOLATIONS SENT EH FTC EXPERIAN : XXXX AND XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FTC VIOLATIONS SENT EH FTC XXXX  : XXXX AND XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 



According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX was sent a cease and desist letter in XX/XX/2023and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. XXXX still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. 
XXXX and MESSERLI & KRAMER PA .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which MESSERLI & KRAMER PA wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: LendingPoint Holdings LLC
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: Account status incorrect

Complaint:
Ive been in an installment loan with Lending Point almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay Lending Point off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$810000.00} ; XXXX XXXX  XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX : {$19.00} ; XXXX XXXX XXXX XXXX Balance : {$77000.00} ; XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$1800.00}.

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 non-monetary relief
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-09-06
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: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 this creditor has violated my rights under 15 U.S.C.1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-07-06
Company: CITIBANK, N.A.
State: WI
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:
Best buy charged my credit card XXXX after I paid off the card. They charged me for a subscription I didn't authorize them for they are scamming me for 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 monetary relief
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: AR
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 bank called me and told me there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made an account withXX/XX/XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

BANKRUPTCY XXXX {$0.00}

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 2021-03-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation