BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I have two accounts, one with the account number ending in XXXX associated with XXXX XXXX XXXX XXXX, and the other with the account number ending in XXXX linked to Capital One Financial Corporation. Both of these accounts had 1099-C forms filed and accepted by the IRS on XX/XX/2023, and XX/XX/2023, respectively. I recently contacted XXXX to inform them about the IRS-accepted 1099-C forms and the resulting classification of these accounts as taxable income by the IRS. 

I believe it is worth noting that it may be considered irregular for a credit reporting agency to report income. During my conversation with an XXXX representative, I was informed that they can not remove these accounts without validating the accuracy of the 1099-C information with the data furnishers. 

Please advise on how best to proceed in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the incorrect account below from my personal credit file : ERC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: JPMORGAN CHASE & CO.
State: GA
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:
Woke up at XXXX on XX/XX/2023 receiving emails about a credit card being opened and approved in my name. This was false as I did not open a credit card. The individual was attempting to make changes with the contact info and whatnot. I am on the line with Fraud Support, but chase made it very difficult to speak to someone as you need the account information to speak to them and I did not have it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-03-18
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am getting sick and tired of overstock taking credit away from me. I'm trying to build my credit by building credit on my account. It's always when i build up credit over {$200.00} is when they decide to decrease my credit. I'm not even applying for credit. They make this excuse that every few months they run a credit review. I have had many credit cards and none of them have done to me what commenity bank is doing to me. Then I'm left without all the credit i saved up for the past 6 months and left with barely any credit at all to spend. My account is current with them. I am being treated very unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
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: Old information reappears or never goes away

Complaint:
Additional information as requested by the bureau. XXXX and Equifax is currently reporting an account that has multiple inaccuracies and violations. 

( XXXX XXXX XXXX XXXX ) Currently reports that account was open in and around XXXX of 2019. However the company does not report last date of activity, last date of payment. Or last date of delinquent. This account appears to be a reaged. A violation of the fcra- Account and must be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: CBC Companies, Inc.
State: IN
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:
Pursuant to 16 CFR 313, I am to be mailed every XXXX days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus . XXXX, XXXX, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with XXXX " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX J.C.Penney Master Card was declined at XXXX for a purchase of {$59.00} on XX/XX/18. I have a {$7000.00} credit limit and at the time the balance on the card was less than {$100.00}. I had used the card twice at Walmart in XXXX, Oh without a problem a few days before. It was very embarrassing to me that my card was declined twice for no apparent reason. The store is in a predominately white area ( XXXX XXXX, Oh ) and I live in XXXX, Oh. There isn't a XXXX in XXXX yet. I don't understand what would have caused the bank to flag my account as possibly fraudulent. It wasn't a large purchase and the only thing that I might think they would use to flag it was the location of the store. Its less than 50 miles away from my home. But does that mean I can only use my card in the XXXX area without the bank declining any purchase? I can't go on vacation and use the card without the embarrassment of it being declined? There should be a better way to stop a possible fraudulent transaction without declining the account holder like asking the merchant/cashier to ask for i.d . or asking the cardholder to go to customer service where the staff there can call the bank to find out what the problem is. I feel I was discriminated against because I wasn't in XXXX and therefore could not be the cardholder.

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 2023-04-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached a fraudulent collection and fraudulent inquiries that I did not authorize please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I utilize a credit monitoring service. On XXXX I discovered my Equifax rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On I submitted a consumer credit application to American Express to receive a credit card for my use in commerce. I was declined therefore I emailed the CEO of the company and advised him I believed. it was unlawful for me to be denied my XXXX given right to extend my credit to American Express to pre-pay the card for my use. I advised in the letter I was the original creditor extending my credits as a private banker, first priority creditor of cestui que trust XXXX XXXX XXXX. I then went into detail in regard to several violations that were committed if I was being denied under 15 USC 1602. i have acted in good faith as a natural person. to obtain a credit card from American Express for my private use, family use and home use. they used the consumer report as the reason for the denial. I advised the CEO in the letter I sent the consumer report can not be used due to the fact all debt is pre-paid therefore it was impossible for anything negative to be on the consumer report and if there was anything negative on the report then it was fraudulent reporting and needed to be corrected, which since then just about all negative marks have been removed because of my claim to the credit bureaus of fraudulent reporting because all debt is pr-paid and they removed them quickly. I further explained I knew the process of the financial corporations in the past and I would not participate, in any fraudulent practices of double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: TN
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 recently notice on my Experian credit report that I have inquiries that was not authorized by me.

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 2019-12-07
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I was checking my credit score and it showed a drop of 30 point on XXXX and upon checking I found some collection agency named AFNI opened a collection account on behalf of XXXX amounting to {$120.00}. I dont owe any amount to XXXX nor to this collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have set up the auto pay for Bank of America credit card for pay amount due when bill is received. However it turns out it only auto pays the minimum amount due. As a result, the balance builds up quickly and boa starts to charge a lot of interest on my account. Within three month, it charges me about 10, 20 and 30 dollars for interest.

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 2023-09-02
Company: Kikoff Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: DISCOVER BANK
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:
Contacted Discover when I noticed a card had been obtained by my ex husband using my SSN. They would not investigate as I didnt have the security details hed set up. I havent lived in the US since 2015 so no cards or addresses exist in the USA for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan servicer is Navient. After my teacher loan forgiveness application was denied, I was told that I would qualify for the Public Service loan forgiveness program and that I would need to make 120 payments for 10 years and that I would need to apply after I have made these payments. I was not informed of any additional steps or actions that I needed to complete in order to qualify for this. I have been enrolled in the income based repayment plan for the last 8 years and I just found out that I should've been completing the employment certification for Public Service loan forgiveness every 12 months. Navient never informed me of this and now after I have been paying my loans back for the past 8 years, under the impression that I only had 2 more years left and that in 2 years I would be eligible to pay but this is not the case. The payments that I have had to pay do not count towards PSLF because I never filled out the certification which Navient failed to inform me of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To provide context, I have verified that the debt in question is not mine, and I have no legal obligation to repay it. Despite my attempts to clarify this issue with your organization, it has come to my attention that you continue to pursue collection efforts. Furthermore, I have discovered that Cavalry Portfolio Services , LLC is not licensed to collect debt in the state of XXXX, where I currently reside. This raises serious legal concerns as you are engaging in prohibited activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : On XX/XX/2019 I applied for a mortgage for {$900000.00} with HSBC mortgage located at XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX and as of XX/XX/XXXX the loan is still in underwriting and my lock in agreement is almost expired. I have supplied any and all documents they have requested in a timely manner and yet no final answer after numerous written and verbal requests that go unanswered. The staff manager XXXX XXXX has not replied to my requests verbally or in writing. The loan officer XXXX XXXX NMLS license number XXXX calls me once every 2-3 weeks with verbal assurances but those verbal assurances go unanswered. XXXX has tried to get the head of underwriting to address this matter but weeks and months have passed with no result. There are many facts to this complaint where serious violations have occurred namely rendering a decision within 30 days after the loan was submitted to underwriting on XX/XX/XXXX. completed file for approval. I have sent updates to the loan officer and to the portal to keep up to date on expired documents but these efforts as well as other attempts appear to be meaningless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Experian Information Solutions Inc.
State: WI
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 received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XX/XX/XXXX. I would like my credit to be updated with accurate information and change the late payment from XX/XX/XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, 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 2023-09-02
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is similar to the name on the account but is not me. The name on the account is my father who has a very similar name and lived and had the same mailing address. I have tried to explain this to the original creditor XXXX XXXX. They just give me the run around and do not want to investigate the fraud and issues. So instead of working with me to get it resolved, they just charge it off on their taxes and sold the debt to a debt collector and I have to start all over again with them. It has been nothing but a headache, XXXX who owns the debt now has forwarded it to a law firm. I tried to talk and explain the problem with them, and they do not want to hear it, and just threaten court action if I do not pay. I finally got some forms and paperwork from Resurgent Capital Services to fill out and maybe now it will be looked into on XX/XX/2023. Hoping a resolution can be reached after an investigation is completed. I will keep you posted. Thank You

Company response to consumer: Closed with explanation