BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX is trying to garnish my check for {$550.00} plus other fees which will bring the total to {$740.00}. I am not responsible for this account because my identity was stolen. This account has been closed for years. I have communicated this with XXXX XXXX, XXXX and XXXX XXXX XXXX on numerous occasions. I work hard, and do not want my credit file negatively affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Send the company a letter in regards of late payments show up accumulated during the pandemic. Demand them to remove it and it be more then 45 days this company has not responded or hasnt removed the late payment. 
According to the CARES ACT Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et. seq., this is violating my rights as a consumer I ask for you to remove it immediately with a copy of the update or removal thank you. I havent received anything and I have gave this company more then a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Personal Statement In XXXX XXXX XXXX when I attempted to apply for credit, I realized that there is Two fraudulent accounts opened under my name from XXXX XXXX XXXX ( ALL of MY personal info was compromised, name address banking info etc. ) The first account is for the amount of {$9800.00} and the second amount is for {$6600.00} once I realize this I filed a dispute with all three credit unions. I then reached out to the XXXX XXXX XXXX personally, and spoke to a representative by the name of XXXX XXXX. I have submitted all the requested documentation to XXXX XXXX to receive a letter of acknowledgment of the fraud incident. my request to have this issue resolved has been unsuccessful with Experian however XXXX and XXXX XXXX has honored my request. This will be my second report to the Federal Trade Commission regarding this matter. as of this date, XXXX XXXX and XXXX have permanently removed and blocked this reports on my credit file based on the grounds of identity theft due to the documentation of letter of acknowledgment from the XXXX XXXX XXXX. Experience, then proceeded to remove correct items on my report, but never removed the fraudulent accounts on my report. This is confusing to me. I have enclosed all the documents that I have sent over to Experian for a dispute that was never honored. 
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 explanation
Consumer complaint received 2022-02-22
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tired to dispute this once as the consumer told me if I close the account they would consider and report to the credit bureaus as paid in full it I give them my account, checking and routing number to take payment out Monthly. They even told me this on recording. Ive spoken with them a few times and they did verify I was right on recorded lines. I tried to dispute this and account executive XXXX XXXX responded and denied my dispute but Ive called him about 100 plus times and left voicemails but he wont return my call which is bad customer service and shows he has no professionalism to answering me or speaking about this matter that his representatives caused.!

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 2021-06-09
Company: Receivables Performance Management, LLC
State: MD
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, Social Security Number and Date of Birth was fraudulently obtained and used to open a XXXX account with 3 telephone numbers XXXX, XXXX and XXXX on XX/XX/XXXX with a Washington DC Address where I have never lived, and it was used fraudulently to incur a debt of {$4100.00}. 

The account was delinquent, closed by XXXX in XX/XX/XXXX and I wasn't aware of it until it was sent by XXXX to a collection agency which tagged it to my credit on XX/XX/XXXX. 

I had no clue of all these happening until got a notification from my credit monitoring agency. I have since reached out to the collecting agency and XXXX to report this as 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 explanation
Consumer complaint received 2016-12-24
Company: Earnest Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
We made a large extra payment to paydown the loan, it was not posted when it should have been ( they acknowledgde issues with their processing ). It was posted ( finally ) 18 days after it should have been. They said they would have credit us the accrued interested related to the late posting by early last week, but have not done so yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from XXXX ID # XXXX XXXX keeps calling to collect a debt that does not exist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 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 2022-02-04
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage with PNC Bank. Our taxes and property insurance are escrowed. Our property insurance renewal was XX/XX/XXXX. PNC failed, and admits that it failed to pay the insurance renewal, therefore our property insurance was cancelled. We have been without any property insurance since XX/XX/XXXX. An error resolution notice under 12.C.F.R Sec 1024.35 was sent via certified mail to the proper address for PNC Bank . PNC acknowledged receipt of the letter and on XX/XX/XXXX sent correspondence admitting that it was their fault that the policy renewal was not paid, but has done nothing to rectify and/or correct this situation. Additionally, PNC has been sending us letters of warning that they will be putting into effect force-placed insurance to for the policy lapse, and charging it to our escrow account. We have mailed, faxed and emailed documents to many people at PNC and have spent countless hours in phone calls, and even visited a local branch in person, but PNC is still sending letters about force-placed insurance, even though we have been able to lock in a new policy. The new insurance does not go into effect until XX/XX/XXXX and PNC is now saying they are going to put a force-placed policy in effect for the lapse, at our expense. We have gone out-of-pocket for various inspections to obtain new insurance and PNC has refused to reimburse us. Phone calls are not returned, and even though we now have an attorney assisting us, we are getting absolutely nowhere. PNC is clearly in violation of RESPA and something needs to be done to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Last fall I purchased a plane ticket for my son XXXX XXXX from XXXX, North Dakota to XXXX XXXX XXXX, Utah for travel dates of XX/XX/XXXX to XX/XX/XXXX. The XXXX ticket was purchased through Capital One Travel with Capital One Venture points ( XXXX ). Unfortunately, the outbound flight was canceled due to sever weather conditions. 
I immediately reached out to the Capital One Travel office to receive a credit for the canceled flight. Prior to the travel dates, I had canceled my account with Capital One Venture Card. It took 2 months of calling and staying on the phone for several hours and talking with Supervisors to figure out how to return the cash value of the XXXX points. The cash value of XXXX is {$560.00}. However, according to the XXXX receipt ( I have the form from XXXX ) the round trip flight was worth {$470.00} This is the amount that was returned to Capital One Travel. 
Finally, Capital One Venture issued a travel refund credit for {$280.00} ( I have the credit card statement ). Obviously, Capital One had made a profit of {$190.00} at my expense. I am requesting the remainder of the refund ( {$190.00} ). I feel that I am entitled to to the entire refund that Capital One received back from XXXX and also I worked hard to accumulate that many points and buy my plane ticket. I should not be penalized because the flight was canceled due to severe weather. I would like them to credit my account number that ends in XXXX for {$190.00}. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I deposited a check in the amount of {$1600.00}. A hold was placed on the check until it was released from the issuing bank. After the issuing bank released the funds than Chase Bank comes up with another reason to hold my cash. Due to " suspicious activity '' they said they will not release my funds at all. Federal laws I thought protected consumers from things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2023-01-21
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two dispute letters have been sent to dispute collection account as of XX/XX/2022 and a follow up as of XX/XX/2022 in the amount of {$240.00} I have repeatedly requested validation of this debt with my signature or an original contract stating that I am obligated to pay them. I have no knowledge of this account and the company has yet sent proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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 filed a previous complaint against Equifax number XXXX regarding fraudulent and unauthorized inquiries on my Equifax consumer credit file. Equifax mailed me a letter as a stall tactic asking for proof of identity when I provided proof of identity with my previous complaint. Equifax remains in violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
they keep charging me for dispute i keep making and they wont credit my card even though the merchant even said the accept the refund and agree to charge back see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collector is in violation of 15 USC 1692c ( a ), 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692c ( b ), 15 USC 1692d ( 1 ) ,15 USC 1692d ( 2 ) ,15 USC 1692d ( 3 ), just to name a few. According to 15 USC 1692k ( 2 ) ( A ) each violation is worth {$1000.00}

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 2020-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my 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 2019-10-16
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed something on my credit that is inaccurate providing proof the account is inaccurate and reported wrong. They will not remove it I have gotten it removed from my other credit account which I also provided proof of

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 2018-12-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The vehicle was sold/traded in to XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. One Main is reporting a 30 day late for XXXX 2018. 
I have called XXXX and One Main requesting this to be modified and corrected - we were not in possession of the vehicle and under the understanding that XXXX was going to pay the vehicle off. We were never notified that it was not paid and past due again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2023 Experian updated my credit score. The score went down XXXX points without reason. All my credit cards are at {$0.00}. Everything paid. Experian does not have an explanation. I called. The system will not give me an explanation. Furthermore the system does not allow me to speak with a live agent

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 2023-08-14
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$480.00} XXXXY XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX and U.S. Department of Education yet they are not removing this fraudulent account. XXXX XXXX, XXXXXXXX XXXX  and U.S. Department of Education have no right to refuse to remove this fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX and U.S. Department of Education have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, U.S. Department of EducationXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U.S. Department of EducationXXXX XXXX Date opened XX/XX/2020 XXXX {$460.00} that were opened at an address where I have never lived at and it has nothing to do with 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