BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: GA
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:
Hey hope all is well. I was looking through my credit report and noticed some negative accounts that were never AUTHORIZED/OPENED. I never gave these companies my personal information OR the authority to obtain my personal information on their own, they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me. I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts does not belong to me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Capital one Auto is reporting a car loan on my credit report that does NOT belong to me. I contacted Capital one several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2016 {$120.00} as past due So Im contacting this company directly to let them know this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also 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. 
XXXX Account Number XXXX XXXX Please remove it from my credit report.

2. This is not mine. I am a victim of identity theft. Also 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. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also 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. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4 This is not mine. I am a victim of identity theft. Also 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. 
XXXX Account XXXX : XXXX Please remove it from 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 2017-05-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland credit Management is stat ing I owe on a  XXXX   XXXX  Bank account in which I have not had. This account was fraudulently opened by someone other that myself. I have had issues in the past of identity theft and ask that since this debt is not mine that it be removed from the credit reporting agencies ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Acra Intermediate Holdings, LLC
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: Account status incorrect

Complaint:
XXXX is reposting that I have an open account that has already been paid in full as of XX/XX/XXXX. We have reached out to the credit bank, Citadel Servicing Corporation, about this issue. We are unsure if Citadel is the one that is wrongly reporting that there is still a balance, or if XXXX is not updating account status. I have filed a dispute on XX/XX/XXXX, to correct the status of the so called unpaid mortgage, but claimed that the information was up to date on XX/XX/XXXX. We have also called Citadel and they have sent us documents stating that the loan was paid in full, which we have submitted to XXXX as supporting documents to fight the dispute response on XX/XX/XXXX. This false report is severely affecting my credit score and the ability to obtain other loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX has been overcharging on my mortgage. The mortgage should be going down not up. Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, sold the loan to PHH Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX who sold the loan to XXXX  XXXX, c/o PHH Mortgage Service XXXX XXXX XXXX XXXX, NJ XXXX. I went initially bought the loan from XXXX XXXX XXXX. I have a fix rate of 4.87500 %. On my XX/XX/XXXX, my principal balance {$60000.00} ( monthly : principal- {$160.00} ; interest : {$240.00} ; Escrow $ XXXX {$730.00} ). When PHH Mortgage took over, the increased the monthly payments even though there was no changes. On the XX/XX/XXXX, my principal balance is {$56000.00} ( monthly : principal- {$180.00} ; interest : {$220.00} Escrow {$400.00} = {$810.00} ). Currently principal balance is {$52000.00} ( monthly : principal- {$190.00} ; interest : {$210.00} ; Escrow {$410.00} = {$820.00} ). My monthly principal has been increasing when I have a fixed rate. Yes the interest should go down because the principal is lower ( See attachment ). Can you imagine how many people they have robbed and taken away their houses? This is ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: IN
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 hope this letter finds you well. I am writing to draw your attention to certain discrepancies that have come to my notice in my credit file. Upon a thorough review of my credit report, I discovered that my file contains personal information belonging to another individual in error. As a responsible consumer, it is of utmost importance to me that my credit file accurately reflects my own information at all times. 

In light of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request your prompt assistance in rectifying the following inaccuracies within my credit file. As per the FCRA guidelines, consumer reporting agencies are required to address such requests within a period of 15 business days : Removal of references to XXXX  Removal of references to XXXX Removal of references to XXXX XXXX XXXX Removal of references to XXXX XXXX Removal of references to XXXX  XXXX XXXX XXXX of references to Receivables Performance Removal of references to XXXX XXXX  I trust that TransUnion, XXXX, XXXX, will prioritize the resolution of this matter and ensure the expeditious removal of the aforementioned inaccuracies from my credit file. Your compliance with the FCRA regulations and your timely response to this request will be greatly appreciated. 

Thank you for your attention to this important issue. 

Sincerely, [ 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 non-monetary relief
Consumer complaint received 2023-06-14
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: Personal information incorrect

Complaint:
wrong addresses wrong names- Please correct my address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. This is my only address. I have no knowledge of any other addresses- Please correct my name to XXXX XXXX XXXX. This is my only name and spelling. No other name exist. I have no knowledge of any other names

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 2018-03-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I review my XXXX XXXX XXXX XXXX on XXXX XXXX there is a {$180.00} collection that was placed by XXXX XXXX XXXX collection. 
I don't owe this money as I filed Bankruptcy XXXX XXXX in XXXXand all my debt was discharged by Federal Judge on XX/XX/2017. 
XXXX XXXX XXXX XXXX are sharing my information to other debtors and companies. 

XXXX XXXX never sent me a debt verification. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My wife was checking our home email and noticed 2 emails from Chase. One email was notification of changing my contact information, the other stated that the credit card application was pending. I immediately called Chase and spoke with their Fraud department to inform them that I had not applied for a credit card with them. They informed me that the application had been denied and that I should file a Identity Theft claim. I asked them to provide me with the name of the person ( s ) who had applied for the card and was told that I had to send them a letter requesting this information and to include a photograph of either my driving license or passport.

I explained that this was ridiculous since I was only asking for information that pertained to my credit. Chase said they would be sending an Identity Theft Kit to our address and it explained all that was needed. I then text a police investigator that is looking into a Scam matter for me, and he said that I should try and get as much information as possible. Luckily we have frozen our credit and also blocked our credit cards, which contributed to the application being denied. I am now filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX my husband made a payment with a live rep over the phone using the same debit card that we have used in the past. My husband is on my discover account. The payment was made on time. The employee entered the payment as a ctc payment which means 3rd party. Our debit card will not except XXXX party payments. We were never informed the payment was not made. When I checked the automated system for discover it showed the payment was made. We didn't find out until the next payment was due. We contacted discover exec XXXX. As of today it's still showing on my credit as 60 to 89 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2022-06-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: PINNACLE RECOVERY, INC.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original financing was, between XXXX XXXX and XXXX XXXX my husband at the time of the divorce, in XX/XX/2015.The judge awarded the Real property, including vacation property, all insurance, tax and all cost incurred with said properties to XXXX XXXX and declared that, My ex-husband was responsible for the mortgage ( s ) and he had full ownership of all properties and all debts, incurred. The original note for the time share, has been paid off before our divorce and any incurred maintenance /expenses are those of my ex husband, for the usage of the property and his personal enjoyment. I have not requested or visited any of the properties and/or services, that are provided by the original sales agreement. After the judge awarded the timeshare to my ex husband. These cost are that of the owner and the usage and upkeep. I am no longer the owner of the timeshare and I have no knowledge of whom Pinnacle Recovery. They were not involved in the original agreement and have no working knowledge of the transaction. The debt is not valid, nor is the debt, my debt. 

The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to any ability to report, this debt/information and as protection provided by the fair credit reporting act. The collection agency, has stated that the debt will be reported to the credit bureaus and placed on my credit file, causing a hardship, for me and my family. 

I have spoken with XXXX XXXX and notified them countless times, that ownership of the timeshare, had been taken from me by the courts and awarded to XXXX XXXX, in whole. XXXX, has still tried to collect fees from me and has stated that, they have no respect for the court system and the judge has no authority over them and their property. These cost are the cost for the ownership of said, timeshare, which is not me, as of XX/XX/2015. 

I have tried to work with them, including but not limited to, asking XXXX XXXX, to allow XXXX, to sale the timeshare. XXXX XXXX agreed and XXXX was unable to sell, the timeshare, even at a discounted rate, because the timeshare market is all but gone. This is a strong arm approach, to try and secure a profit from, me on a investment, that I do not own and a market that has all but, died and this activity by all parties are illegal and I request a cease and desist of all collection attempts from me by all parties involved and that any attempt to place such debt. Cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
This is my NUMEROUS 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 items. 
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 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 2023-09-21
Company: CarMax, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX I went to Carmax to purchase another vehicle. I had just paid off a car through Carmax in full on XXXX and they denied my credit for another vehicle after being in good standing with them and sent a refund check. Carmax denied credit as well. 

Then they shared my request for credit with other financial services without my authorization. We viewed and were given options to choose car loan services with and on the computer a request with XXXX XXXX  who never repsonded while we were sitting there at the dealership. However, XXXX responded and XXXX XXXX  responded. I selected and recieved financing on the spot at the dealership with XXXX XXXX. 

Now I am recieving unauthorized credit denials in the mail from XXXX XXXX XXXX, XXXX, and XXXX XXXX. All dated in XXXX dates until XXXX. They have exrended open credit unauthoirized. 

None of this information was diclosed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Citi Checking account and made enhanced direct deposits totaling {$1000.00} within the first 90 days to receive a {$200.00} bonus. The promotion bonus was advertised to be sent within 30 days. 30 days has passed and I haven't received the bonus, now I'm charged a monthly fee for not having {$1500.00} or direct deposits on 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 monetary relief
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On my Transunion  and XXXX  reports my XX/XX/XXXX my XXXX XXXX XXXX loan increased by XXXX us dollars. I have not missed any payments. The aforementioned amount was suppose to be the amount they obtained for XX/XX/XXXX. My account has not been updated for XXXX XXXX or XXXX. I filed approximately 2 complaints with XXXX XXXX with negative results, ( no investigation basically ). I contacted XXXX XXXX on XX/XX/XXXX and the customer rep told me that my account is current and the current amount on my loan is {$14000.00}. I explained to the rep on the complaints that I filed with no results and that there are no updates on my credit reports regarding XXXX XXXX. The rep also said that at the end of XXXX my account balance was {$15.00}, XXXX. The rep ( XXXX  ) said that she will forward this info to the correct department and someone will contact me. It is XX/XX/XXXX, and no contact and no update on my credit reports. They ( XXXX XXXX  and XXXX XXXX ) are allowing these business records to contain this false information and not identifying the person falsifying these business records, which has a negative impact on my credit.

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