BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Bread Financial Holdings, Inc.
State: GA
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:
XXXX Applied for a credit card with XXXX XXXX by ( Comenity Captital Bank XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) XXXX I charged XXXX XXXX received billing for {$17.00} XXXX I paid the {$17.00} with direct paycheck from my bank XXXX. Check attached. You will note on the front upper left corner the account # XXXX ( that's my new XXXX Credit Card #. ) You should note on the back of the check is information showing Comenity deposited into their Bank XXXX XXXX my check on XX/XX/XXXX. ( Due XX/XX/XXXX ) Note on the back showing their deposit of my XXXX XXXX XXXXit was deposited this in XXXX # XXXX. ( thats my XXXXXXXX XXXX XXXX XXXX  ) COMENITY DEPOSITED MY PAYMENT IN WRONG ACCOUNT. ( That is my XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Received a Billing Notice from XXXX for {$36.00} ( XXXX ) for LATE PAYMENT FEES ) I have called and talk estimate 10 people to try and clear this. 
XX/XX/XXXX Customer Care said they could resolve the problem. The assistant said to clear this I would have to pay on line to her {$13.00} and she would waive all fees and charges from from my XXXX XXXX and apply the amount to my XXXX XXXX, because the credit of XXXX had been credited to my XXXX 's card. I did that. 
( the letter where Customer Care cleared the problem is attached. ) XX/XX/XXXX -- XXXX I have called many times and written many letters. 
XX/XX/XXXX -- billing was for {$89.00} on account XXXX continues to grow as all amounts were paid and cleared in XX/XX/XXXX I'm attaching a screen shot of where I tried to send them info on their site but all I ever get when I send is there was a technical glitch and was not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Sent in three dispute letters to all credit report agencys regarding account XXXX   XXXX  ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.

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 2018-07-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Sent in three dispute letters to all credit report agencys regarding account XXXX  XXXX ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.

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 2022-01-18
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My condo is in a flood zone. My condo board purchases flood insurance. I sent a copy of the policy to my mortgage company, Mr. Cooper, and they acknowledged receiving it. In spite of this they say I do not have insurance and charged me {$1800.00} for flood insurance. This is the third year in a row that they have done this and the only way to get it fixed is to file complaints. 

I called them on XX/XX/XXXX and they give conflicting information. The " mortgage dept '' says I was charged while the " flood insurance dept '' says they have received a copy of my flood insurance and I was given a refund. There is no refund indicated on the paper or on-line statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Information belongs to someone else

Complaint:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
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: Personal information incorrect

Complaint:
EQUIFAX HAS NOT REMOVED AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDULENT AND I NEVER LIVED THERE. IVE CALLED THIS COMPANY AND SENT DOCUMENTS FOR PROOF OF ADDRESS AND STILL THE ADDRESS WHICH IS XXXX XXXX XXXX XXXX NEW YORK IS STILL LISTED ON MY CREDIT REPORT. MORE RECENTLY I SEE THAT THERE IS AN INVESTIGATION IN PROGRESS FOR EACH ONE OF MY CREDITORS ON THE CREDIT REPORT AND I DID NOT DISPUTE ANYTHING ABOUT MY CREDIT ACCOUNTS. I ONLY DISPUTED THE INCORRECT ADDRESS BEING LISTED. THEY STILL HAVE NOT REMOVED THE XXXX ACCOUNT THAT IS NOT MY ACCOUNT THAT IVE BEEN DISPUTING SINCE XX/XX/2018. IM SICK OF THIS COMPANY AND THEIR PRACTICES IT SHOULD BE ILLEGAL WHAT THEY DO TO CONSUMERS. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX NEW YORK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Bank of america holding up a sale of a property that they once held the morgage too. 

since it was a home purchased though the VA, bank of america was required to provide a deed of conveyance back in XXXX sadly they never did and after paying this house off, i cant sell it. 

i been advised to hire a litigation lawyer as this problem is now going 6 weeks before i do that, i thought to contact bank of america to see if i can get them to provide what is needed, sadly all i get is dead ends. 
with no end in sight

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 2018-07-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke to customer service on a account that is not mine, explained to them that I had identify theft in the past, and this account does not belong to me, continues to ask me questions and talk around the problem. I told them they purchase debt without verifying anything, account does not belong to me, please remove it from all my credit reports, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Was not notified of investigation status or results

Complaint:
I have sent numerous letters to XXXX, Equifax, and XXXX to delete a account ( XXXX XXXX acct number XXXX ) that does not belong to me. I told them to verify it and also to request signatures and to tell me the person they spoke to, they cant verify it because this account does not belong to me. They would never give me any information, just say verified, I would like this account deleted. I sent out 3 letters to all credit agencys in the last 3 months starting in XXXX XXXX, and still have not got a answers. Just sent out 4the letter stating I will sue if its not removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED   Company Inquiries : 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 2023-07-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX # has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 2, it also states that a consumer reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: Hewitt-Capital
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX with Hewitt Capital called my work today asking the receptionist to speak with me regarding, " an urgent matter '' After she informed him that I an unable to take personal calls at work XXXX XXXX proceeded to tell her that " my wages are in the process of being garnished '' in knowing direct violation of my rights and privacy. Upon checking my voicemail on my cellphone later that day XXXX XXXX is threatening legal action against me if the phone call is not returned by the end of the day when he " makes his decision '' I have not been given anything in writing by this company or know who XXXX XXXX is or the company he represents. What I do know is that he knowingly and willingly violated the law in order to try and intimidate a response at me. I can not and will not take personal calls at work and it is my right to expect XXXX XXXX respect my privacy and rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-09-18
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
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 dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.

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 2022-01-18
Company: Experian Information Solutions 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:
XXXX is reporting the following medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay I have already disputed with XXXX multiple times over 4-6 months and still i do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these types of inaccuracies are unacceptable. 

Account No. XXXX XXXX {$200.00} Account No.XXXX XXXX {$480.00} Experian & XXXX is reporting inquiries on my credit files that is paid off and still needs to be removed. I have a right to an accurate credit file and types of inaccuracies are unacceptable. 

Account No. XXXX XXXX {$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 2021-04-12
Company: eToro USA LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have account with eTORO and i had a position for XXXX for XXXX units. They sold all my position and emailed said they transfer the money to my account in available fund but my available fund says " XXXX ". 

Total amount I invested was {$2000.00} but the market value today was {$6100.00} and they kept all money. 
I also warn them of unsual activities like asking to many things which they received it before when account was open. 

eTORO USA LLC XXXX XXXX XXXX, XXXX Floor XXXX, NJ XXXX Phone Number XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: JPMORGAN CHASE & CO.
State: NY
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:
To whom it may concern, I am writing to submit my complaint about my previous dispute with Chase Travel and Chase Bank. The transaction date is XX/XX/2020. The dispute amount is {$110.00}. 

Back in XXXX I booked a car rental through the Chase Travel portal for an XXXX XXXX with my Chase card. On the day of picking up the rental we were informed that the name of the driver and the person 's whose credit card was being used needed to match. Since I do not drive we changed the card to my partner 's credit card for her to drive. We were told that the booking was being changed to her card and the total charge would be on our receipt. As you can see on the statement attached and the previous attachments the rental has been paid. We are disputing the charge on my Chase card because we were told it was going to be refunded. We have spent the past three months working with Chase, Chase Travel, and  XXXX in attempt to complete this dispute and receive our money back. We are unsure as to why the cards have two different charge prices. As for now, Chase Bank 's only response was simply resending the confirmation email from Chase Travel without further explanation. We have been double charged on my Chase credit card as well as my girlfriend 's credit card for the same car rental. As shown in the final receipt, the car rental has been fully paid by my girlfriend 's credit card bearing the amount of money {$92.00}. 

At the same time, we had a mechanical issue with our vehicle that was rented and had to exchange the car a few hours out of the way so they may have lowered the price because of that. As you can see on the itinerary, we returned the rental within the time that was booked. 

I have attached to the submission the completed payment and statement on my girlfriend 's card for the rental along with copies of the receipts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX  claims they cant verify 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 explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
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:
Experian Credit Reporting has left a fraudulent Hard Inquiry on my personal file from XXXX XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted XXXX and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance

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 2022-10-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, TX XXXX filed on XX/XX/2022 I filed a dispute regarding the incorrect items on my credit report, and it has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this complaint to inform AGAIN the XXXX and Transunion credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/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