BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
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: Reporting company used your report improperly

Complaint:
There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ga XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nv 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 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me aplyibg for credit. but next day there it was on my report. 

So I called the bureaux ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Erroneous credit score from all three credit bureaus, impacting ability to obtain credit, etc.

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 2022-08-15
Company: EQUIFAX, 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:
Equifax has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against JPMorgan Chase Bank located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JPMorgan Chase Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Reporting company used your report improperly

Complaint:
XXXX has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.

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 2022-08-15
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:
XXXX has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.

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 2022-08-15
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced a home on XX/XX/XXXX. At the time of refinance XXXX was taken as lender reserve for the first 3 months of payments. Our loan was transferred to Specialized Loan Servicing LLC. We sold this property on XX/XX/XXXX ( prior to the first payment being due ). The XXXX was not credited back to us on the payoff statement. When I called Specialized Loan Servicing I was told this would delay if a new payoff request was performed and that the money would be mailed to me. I never received the check. When I call back 10 days after close I was told the check was in the mail. Then I received a check for XXXX. When I called back the third time I was told that the company never received the XXXX. After continuing to press the company that this was inaccurate I was told that I was charged for those three future payments ( meaning I was charged for future interest and my principle amount wasn't reduced ). I can provide all closing, loan documentation. Each call to this company takes over an hour with multiple people unfamiliar transferring calls to new people.

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 2022-08-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter stating they didnt have my flood insurance. I sent it in. They said it was never received. I resent it. I then received a letter from Truist stating they received it and updated my account and my coverage was fine. I now received a letter stating they are going to force place insurance on my account. This is unacceptable.

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 2018-10-13
Company: MIDCOUNTRY FINANCIAL CORP
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This account was charged off as a negative item. I kept receiving updates that they were still reporting late payments and still adding interest after it was closed. I went from owing XXXX something dollars to XXXX something dollars. I called to try to pay the settlement but they were still trying to charge me XXXX something dollars. I was hoping theyd stop reporting late payments its just making my credit score drop even more and its making it harder for me to buy a house, or get another credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Healthcare Collections-I, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HEALTHCARE COLLECTIONS INC/HEALTHCARE COLLECTIONS LLC, ACCOUNT NO.    XXXX  has placed a negative report on at least  XXXX ,  XXXX  AND  XXXX   credit bureaus.They  are a collector for  XXXX   XXXX   XXXX  in  XXXX  CA.   At the time of emergency treatment there in  XXXX -2015, I was covered by both   XXXX    and  XXXX    XXXX   XXXX   h ealth plan.The hospital wa s aware of this coverage at the time of service.I should have no bill or collection for a bill whatsoever as I was covered by insurance at the time of service.

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 2017-08-24
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a 120 day delinquency from 2008 on my credit report with my previous mortgage provider that i 'm unable to have removed.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX. I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this 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 2021-04-08
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been banking with Bank of the West for the past 4 years, never had an overdraft or any other negative activity on my account, I went to the bank provided them with 2 forms of ID changed my account type from starter to any-deposit which is their normal account type. They asked about my citizenship, inquiring which country I had a second citizenship with, while I have SS number and my real CA id presented to the Banker. The banker acted as if she was an ICE or IRS rep not a banker, I was shocked and offended but I answered questions and at the end I asked 3 time were all things in order bc I was sent a letter asking me to go into a branch an verify my Identity which I did 2 weeks ago, I was told all was ok and My bank account is in good standing. I asked my account wont be closed right and was assured it wouldnt be. Yesterday on XX/XX/2021 the bank in fact did close my account and did not inform me of their actions. I went grocery shopping and my card was declined, I was humiliated, I looked at their banking application and it showed my entire balance was debited without my knowledge without an indication of what had happened. I called and spent an hour on hold waiting for customer service to answer, was told a branch location in XXXX California, the original one which I had opened the account in, had closed my account and I needed to go to that branch and find out why, and try to get access to my {$3000.00}. I went today and was told very rudely that the bank doesnt have a manager that I could speak with! I was given a false main number to their bank back offices, I called and it was in fact the same rude teller who picked up and told me to call their 1800 number. I called that again today and their call center says I need to deal with the location branch! I asked if they could expedite my money to me faster and was denied that as well! They have send my money in regular mail, which takes 7-14 business days! I have rent due and other payments without access to my own paycheck which was automatically deposited as it always has been for the past 4 years! I do not see any other reason except for my race and my citizenship that this bank and its personal have taken such an action towards me! I believe deeply that the Bank of the West has discriminatory policies towards members like myself who are not natural born citizen because of the fact that they asked for proof of my citizenship!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am really grateful that you have taken some of the fake items off of my credit report, but I think you should still disclose some of the disputed items that were the consequence of my identity being stolen. Please follow Section 605b of the Fair Credit Reporting Act and get the disputed entries removed from my credit file as soon as you can. According to what I've read, the Credit Reporting Agencies are mandated by Federal law to delete any accounts and information related to identity theft under the terms of the Fair Credit Reporting Act section 605b. If you think the disputed objects are mine, please send me copies of any documents you locate that have my signature or proof of ownership to back up your claim. It is expected that the disputed items will be deleted right away if you didn't find any papers. I'm asking you to please delete the following information from my credit file once more as soon as you can : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: I.C. System, 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:
On XX/XX/XXXX l took a look at my credit report and noticed a collection account was fraudulently reporting on my personal credit report. 

I immediately called XXXX to let them know that this identity theft collection account " '' Att U Verse / I.C. System INC ... is a fraudulent account n it does not belong to me. 

The company I.C. System INC. Has fraudulently given XXXX wrong information about an account that l never had. It's fraud. 

This fraudulent collection account is sitting on my report and ruining my good name... and l want it removed please because it does not belong to me. 

XXXX  has not removed this fraudulent collection acount from my credit report as of yet.

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 2022-08-15
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
At XXXX on XX/XX/2022, I purchased a Vanilla Visa gift card in the amount of {$300.00} at a XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. I immediately called the gift cards customer service number to activate the card but was told by an automated message that the retailer puts a XXXX hour hold on gift cards. I waited another couple hours before attempting to activate the card on XXXX website. At this point, I was told the balance of the card was {$0.00} as the entire amount had already been spent at XXXX at XXXX - the exact moment the funds became available for use. I called the Vanilla customer service number and was told I had to wait 72 hours for the purchase to go through as it was still only a pending charge, before I could file a dispute. On XX/XX/XXXX, I called back and was given a case number - # XXXX - and told I would be receiving an email from the company shortly. I was also told that if XXXX XXXX heard back within 10 business days, to email this address - XXXX. This weekend I sent an email to the above address but did not receive a response so I called the customer service line again. At this point I was told the last agent I spoke with had added an additional m to XXXX in my email which is why I never received an email. I was also told this email would contain a dispute letter I would need to fill out then wait another 10 business days before attempting to contact the dispute department. I was told I would receive an email shortly, which I have still not received and I simply can not afford to continue waiting for this company to reload the card or send me a new card. I have researched this issue and have found many stories exactly like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe a mobile phone bill with XXXX I made an arrangement with sequium asset solutions. They said they would do automatic withdrawal from my checking. They said they would not report this as a collection to credit bureau. I am rebuilding my credit and would like this removed. dated XX/XX/19 company is Sequiuim Asset Solutions address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GaXXXX. They started withdrawal last month and I want them to continue untildebt is paid but do not want this to show as unpaid collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX bank was the original creditor. XXXX XXXXXXXX bank charged my account off XX/XX/XXXX. LVNv bought the account in XX/XX/XXXX. I filed a dispute with all 3 credit bureaus in XXXX of XXXX. In response XXXX  XXXX bank was removed from all 3 credit reports. XXXXXXXX XXXX XXXX received full balance owed to them of XXXX XX/XX/XXXX. At my request the account was suppose to close. I was told once my payment processed it would close. XX/XX/XXXX I tried to log in XXXX XXXX XXXX website and couldnt. I assumed the account was fully closed. XX/XX/XXXX I checked my credit report and seen I had an outstanding balance with XXXX XXXX XXXX. I called them. Me and the representative went over the charges. I disputed 5 charges ranging from {$60.00} to XXXX dollars. XXXX  XXXXXXXX XXXX told me that it would take 60 days to investigate. I called them XX/XX/XXXX to get an update. The representative told me that no dispute was filed. He assured me he would file the dispute for me on XXXX XXXX and was told it could take up to 60 days. I called them XXXX XXXX and was told that the account was closed with XXXX balance, only to find out they sold the account with positive balance to LVNV without investigating my disputes. Now LVNV believes I owe them {$1700.00}. Ive requested statements from LVNV and they refuse to send them. They claim they only have the last months statement. Which only shows the current balance.

Company response to consumer: Closed with explanation