BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I purchased a vehicle from capital one which was a XXXX XXXX XXXX  ended up losing my job the in XXXX. So I have several late payments that are not suppose to be on my credit report according to 15 USC 1681a1 under exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not includea report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my Transunion credit report, XXXX ( XXXX ) reported an unauthorized hard inquiry on XX/XX/2021. 

I did not authorize anyone employed by XXXX to make any inquiries and unlawfully view my credit report. This is a blatant violation of my rights under Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Such an offense is a serious violation of my privacy rights. Please contact XXXX ( XXXX ) and valid this fraudulent occurrence with this company and provide me with appropriate documentations associated with this company bearing my signature authorizing this inquiry. 

Upon resolution, Im requesting the deletion of inquiry on 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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TransUnion & XXXX  are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX   does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The GA US Bankruptcy court has not reported this information. I have asked that this be removed from my TransUnion & XXXX files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.

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 2018-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Some body run my credit with out my knowledge here is the date and company XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: JPMORGAN CHASE & CO.
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
There were XXXX dollars in XXXX charges that don't belong to me. I never had an XXXX  account. I had previously disputed them and the fraud department had recharged them onto my account. Those charges are not mine. I called the chase credit card department and they told the information matches my profile which it doesn't. They were saying the addresses and emails matched and that there were 20 different phone numbers. I don't have 20 different phone numbers. Iv had 2 phone numbers with in several years. It looks like someone used my information to open up an XXXX account in my name. They are saying there are documents that match when I don't even have an account. I was a victim of identity theft back in XXXX. Someone did break into my mail box and steal my XXXX  credit card and ran up XXXX in charges and opened up a charter account in my name. Whoever broke into my mail box back in XXXX could also be using my address. Whoever it is could have all of my information now. My private information was stolen. there was a lot of mail box theft at my previous address where I lived going on. The landlord did tell me she'd look at the cameras but she never did but those chase credit card XXXX charges are definitely not mine and I don't have an XXXX account. Someone's opened an XXXX account Wirth my name and information. I'm being charged for XXXX dollars in charges that are not mine and I also got charged for groceries I never received and it's still reflecting on my chase credit card. whoever broke into my mail box could be living around the same area or apartments as I used to live and there are many different apartment numbers there so it doesn't make any sense when they say the addresses match. And my mailbox was broken Into. It's a big apartment complex. But then again I don't know where these transactions were done at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Company violated its covid 19 arrangement. Multiple reps and supervisors advised account minimums were reset to zero due for two consecutive billing cycles. 

XXXX and XX/XX/2020 were not late at all and the account was paid off completely XXXX XX/XX/2020 important to note Ive been a customer for 8+ years never once have I been 30 days late

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 2019-06-03
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid big picture loan ahead of time to avoid the interest. I was to have no balance left but on XX/XX/XXXX it was a balance of about {$79.00}. Now they're saying l owe them {$290.00}. I refuse to pay more because on a {$1500.00} loan l have paid back close to {$5000.00}. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On around XXXX-22 through XXXX-22 I closed on a home loan with XXXX XXXX XXXX. The closing was done at a XXXX XXXX restaurant with a notary that handled the paperwork and documentation. I gave a certified check in the amount of {$1600.00} at the time of closing, and had given {$500.00} in the month prior as good faith monies. After the closing I received absolutely no documentation showing that I am the owner/ resident of the property and that I am on the paperwork for the loan. I called and spoke with representatives on numerous occasions to try to voice my concern and receive the documents, but they are very unhelpful/ unconcerned with the matter. There is also no documentation on thier website. I feel that I am the victim of fraud here somehow. I wish to see all of the proof and evidence in writing of the Notary that handled the closing, and how the funds were used to cover what costs, because the amounts that were applied to specific areas were not what was discussed prior to the closing. The home price was {$25000.00} and of the {$2100.00} that was paid, they have made it to where nothing went toward the balance of the home and the monies have vanished. 
Now the original loan number has changed and doesn't reflect what is represented on my Homeowner 's insurance docs. When I check the payment section of thier website, the amounts differ from my records, and the method of payment isn't the same in certain months either. I have checked my credit report via XXXX and it states there that maybe 2 loans are in effect. One area states first mortgage for a duration of 360 months in the amount of {$100.00} and yes with a refinance indicator. This was NOT initiated by me! Then there is the original or second mortgage with 300 months and it states 300 months and a payment of {$3000.00} per month. Also Via XXXX the payment months have {$0.00} paid in XXXX, XXXX, and XXXX, with double payments/ or {$620.00} paid in others- XXXX. I received a payoff letter in XXXX of 2022- someone else may have taken over- assumed a role on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Investigation took more than 30 days

Complaint:
I have a creditor named XXXX that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on Equifax and refuses to be removed even after the 7 year statue. Equifax is not helping to actually investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2021, ,Continued Issues With This Company,,, ( Wells Fargo Bank XXXX,, XXXX XXXX XXXX ,From, ,Wells Fargo Remediation Program , , Administrator, ,Mid XXXX, XXXXWe Talked On The Phone,, And He Went A Few Things With Me About,, Some,, ( Unauthorized Accounts,, That Was Open In My Name, ,And My, ( Deceased Parents Name,,,, Then In XXXX I Received About ( 5 ) Pieces Of Mail From This Company And There Was A, ( Small ) Check For {$19.00}, ,I Will Send Copies Of Everything That I Have, ,And I All So Sent In, ( ( A Special Request,, Letter, ,For XXXX Dollars,, I Will Be Sending A Copy Of My Request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-13
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 this debt for {$600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I tried to access my CapitalOne credit card online and keeps giving me a message on the page " you don't have access to this website '' and nothing is shown in terms of my transaction or information of the account. When I called customer services, they said that they closed my account due to fraudulent which was hurtful to hear since I have been with them for 5+ years with no issues and I use my credit card on daily/weekly basis with no issues. I am afraid that this will impact me and my great credit score that I have. The bank is not able to do anything for me and I don't know what to do. Please advise ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
Citizens One bank filed a late payment on my credit report due to missing a payment. I had paid every month and paid the amount due on the website where you need to pay. Then they told us we missed a month and hit my credit score for 75 points. This is the only late payment I've had. I called with them and they reported I still had a balance, which I then paid. But the website still showed as owing XXXX dollars. I disputed the information due to their website not giving a correct total due, but was told that because they see a balance, I couldn't get anything done. So, I disputed it with all 3 major credit reporting agencies, and lost at experian with an additional late payment showing. Once again, checking the balance due at the only place to pay, shows only the normal amount due. Which I just now paid. I need these taken off my credit report ASAP because of an issue technically that has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Southwest Recovery Services, Inc.
State: MD
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'm filing another complaint against South West Recovery Services. CFPB closed my original complaint because the company responded. This is just a tactic to have the complaint closed by the company submitting anything even though it doesn't support anything. Southwest Recovery Services has yet to provide a sign contract BETWEEN ME AND SOUTHWEST RECOVERY SERVICES. I have not conducted any business with this company. PLEASE PROVIDE THE CONTRACT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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 fraud alerts or security freezes

Complaint:
Hello, my name is XXXX XXXX and this report is for TransUnion. There's absolutely no way to contact them, if you aren't paying for a {$30.00} a month membership. Every other bureau offers free tiers, & paid tiers. I'm not paying {$30.00} a month, just so I can ask you to remove this fraud alert/block on my credit report. I also should get a free report from them, without having to pay for anything every year. That as well have not been updating my report, or removing accounts that are beyond 7 years. I can't dispute much else, as I still haven't received my report & can't depend on what the other bureaus report back as they seem to never match. XXXX is the only one, who after my initial complaints & reports to actually do their job & due diligence ; updating my report to reflect the truth. I can log into my account on XXXX, and see my score is XXXX and every thing I see reported is absolutely correct.

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 2021-07-14
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
the following accounts that appear on my credit report are not mine, check them out Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE YEARS AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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 .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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  Above Listed 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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in 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 explanation