BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
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: Old information reappears or never goes away

Complaint:
According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery claims i owe three debts that i never knew about. years of disputing gave no results. talking with the company lead nowhere. i was willing to pay to get them to stop but they want too much for a debt that is not mine. what is worse, contacting them made the debt look like new on the credit reports. they told me that every time i call or contact them the debt renews and they plan on suing or arresting me. its a 10 year old debt!! they are mean and unfair and unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion and XXXX Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from TransUnion or XXXX. 

XXXX is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with XXXX   several times, with the information still remaining on my credit 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 explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: OK
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 submitted request to Experian & they replied its my Debt?

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info 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 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE / XXXX XXXX XXXX   XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: OK
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 submitted request to XXXX & they replied its my Debt? 

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called the customer service to talk to them as I have disputed the bankruptcy on my account and they claimed to have verified the item but after speaking to the court house where they said that they had verified it with I was told that they had not verified it and do not release any information to anyone. I called and was transferred quickly to someone else and clearly they did not want to fix this problem. I would like this item removed off my report as I have told them it is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
SYNCB/Amazon is reporting an account on my credit as derogatory that is not mine. I have never ordered anything from or had an account with Amazon. I have reported the error through the credit reporting agency and all XXXX of the major credit bureaus are still insisting that this is my account. I have never received any statements or phone solicitations regarding this account. I was unaware of it 's existence until it appeared on my credit report. The name on the account is a name that I had previous to the claimed opening date of the account. After repeated attempts to contact Amazon, I was finally able to actually talk to someone and they referred me to their attorney. I called the attorney 's office and was requested to submit a signed statement to them in writing that I would not dispute the account in question before they would even talk to me about the account. I 'm not about to sign such a statement since this account does not belong to me. Even though I was finally able to talk to a representative at Amazon, I have not been able to find out any further information regarding this account. Since this account is being reported on my credit as a charged off account, it is negatively affecting my credit score and my ability to obtain 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
Consumer complaint received 2018-10-13
Company: U.S. BANCORP
State: NV
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:
After paying the large amount off in full, I asked the associate if I would have any occurring fees ( conversation was recorded the day of pay off ), she said no as I was paying off the account in full. I asked several times and and she explained since I was paying off the total balance, I would not have any fees. Roughly a month later, I received a credit alert on my credit score as it dropped XXXX points. When I investigated, I saw that I was in collections from the account I paid off in full over a XXXX cent fee on the account that showed I was over a month late on. When I called, the manager took off the XXXX cents but explained because it was a fee that posted 4 days after I paid off the full balance from interest that they could not remove the derogatory remark from my credit score, yet they removed the XXXX cent fee. My XXXXredit score has suffered XXXX points due to this error from US Bank Card Services. 
I paid off the balance in full according the card balance/statement on the phone with an associate. 
I was not called to resolve this otherwise I would have paid the amount off with my pocket change. Being I am a full time XXXX XXXX XXXX XXXX employee who assisted in fire response all summer, I did not have time to continuously check an account I had paid off in full ( which is why I paid off the large balance in full ) and was verified there would not be occurring fees after the pay off. 
Furthermore, at the day of pay off, I asked to close the account but was advised that my credit history would be deleted which would negatively impact my credit score. If I had closed the account, the XXXX cents theyre system added in error would have never happened. My credit score today would be XXXX points higher if I had just closed the account.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-05-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX XXXXXXXX XXXX XXXX, and I, XXXX XXXX were forced into foreclosure in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Mortgage XXXX is XXXX XXXXXXXX. 

As of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX made us aware that Wells Fargo submitted an insurance claim on the property due to fire damage. They submitted the claim on their own accord and our short sale team has been unable to locate the claim or when it was processed. 

We have been instructed receive the insurance check and sign it over to Wells Fargo and mail it back to them. Wells Fargo will then process the check to go along with the short sale. 

I think it is fraudulent of Wells Fargo to submit a claim on a home for fire damage when XXXX nor XXXX XXXX have been made aware of any recent incidents on the property. XXXX of both owners visits the house and neighborhood regularly. I do not trust the intent of this foreclosure and would like Wells Fargo to be investigated for fraudulent activity within this XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies. 

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( Experian ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( Experian ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.

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 2017-06-08
Company: JPMORGAN CHASE & CO.
State: KY
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:
A payment was made for {$3300.00} to Chase Bank on X/XX/17 to be credited for X/XX/17 in error on an account that is closed. This payment was made thru bill pay. On X/XX/17 I was made aware the payment was never received. My wife made an inquiry thru bill pay and discovered her error in making payment to closed account. XXXX XXXX sent proof of payment and request for refund to merchant on X/XX/17.  Chase Bank requested proof of payment thru a transmittal report and provided a fax number. XXXX an outside party that handles XXXX XXXX bill pay submitted information requested from Chase on X/X/2017. They were requesting incorrect account number that money was sent to and the correct account number the payment should have been applied to.This information has been supplied from XXXX XXXX more than one time to Chase Bank. There have been numerous requests from XXXX XXXX in between these two dates to resolve this issue. There has been no help from Chase Bank to help me resolve this issue. I have had the account with Chase for a long time and I use the card on a weekly basis and always pay my bill in full each month. The due date on this card was X/XX/17. I have been sadly disappointed in the customer service and lack of concern that Chase Bank has shown me. The dollar amount is quite substantial to me and my credit score is of great concern also is getting this matter resolved. I realize the first mistake was ours but feel they have had ample time in reapplying payment to the correct account number which has been provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/21 I received by mail a Walmart Mastercard issued by CapitalOne bank. I did not apply for this card. This is the 3rd year in a row that I have received a credit card not applied for by me always between XXXX and XXXX, always a credit card affiliated with a big box store ( XXXX, XX/XX/XXXX XXXX, now Walmart ) just after my fraud alerts from the previous instances expired on the 3 credit reporting bureaus, XXXX, XXXX and XXXX. 

1 ) I called the " Administrator '' of Mastercard at the # found in the credit card packet : XXXX and spoke to " XXXX '' who was very nice and said he had to transfer me to Fraud in CapitalOne Bank. He would not give me a direct phone # for them and said he could not cancel the card. 
2 ) I was transferred to " XXXX '' at CapitalOne who asked for my date of birth and last for digits of my social. I refused and asked to be escalated. She would not give me a direct phone # in case we were disconnected. 
3 ) I was transferred to " XXXX '' who insisted I could get no further unless I at least gave the last 4 digits of my social and I very reluctantly did. She said our phone call was being recorded. 
4 ) She SAID but who knows, that she cancelled the card.

5 ) Unlike the other 2 times this happened to me with XX/XX/XXXX CapitalOne said they will only respond to my concerns by phone, not in writing, and it will take 60 to 90 days for them to call. I do not answer my phone if the caller id is from someone I do not know to avoid scams. Unlike to other 2, CapitalOne said that they will not alert the 3 credit reporting bureaus of the fraud, I have to do that myself. 
6 ) The above practices are totally unacceptable, they must respond in writing and must do their jobs to properly report the fraud ; 7 ) Why does this keep happening? 3 years in a row all within 30 days of my fraud alerts expiring ; 8 ) I believe that this is happening due to a breach within one of the entities, XX/XX/XXXX or XX/XX/XXXX 
9 ) I think it is incredible, disgusting and unconscionable that I can now rate the victim experience between 2 banks in their fraud practices.

10 ) I want there to be an investigation to discover the source of who is making these applications using my information, why is no one doing that? 

Please note that CFPB has my past fraud incident on file. They were able to get a written response from the bank and I was able to follow up with that person and that bank from there. I desire the same outcome in this instance and most importantly I want to know why this keeps happening!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer disputes account through Credit Bureau several times. Collection agency keeps increasing and decreasing amount owed each month without consent from consumer. Collection agency increases {$1.00} to amount allegedly owed, then the following month decreases said amount by {$1.00}. Collection agency does this every month. This is unfair practices and Collection agency refuses to stop.

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 2020-01-30
Company: Kriya Capital, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company started calling me daily, never leaves a message. I answered once and someone who sounded like they were in XXXX kept saying hello. This has been going on for months. 

I have never received any demand letter as per the FDCPA. Just repeated phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation