BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2017, I placed a freeze on my credit reports with all three of the major credit report agencies ( XXXX, Experian and XXXX  ).  Since that time I have been going on the assumption that the freeze has remained in effect. However, a few days ago, I attended an appointment I had made with the XXXX XXXX XXXX XXXX for the purpose of getting financial advice. At one point, the representative who was assisting me asked if we could take a look at my credit report. I told them we could do that but that I would have to unfreeze the report. She said, " Well let 's first take a look. '' She then searched my name on her computer and to my shock and dismay, pulled up a copy of my credit report from Experian without my having done anything to " unfreeze '' it. We proceeded with the meeting but as soon as I got back home, I checked in with the Experian automated phone service and ascertained that my credit report was indeed still frozen. This event occurred on Tuesday XX/XX/XXXX. I am deeply disturbed by this and would like some explanation how Experian could have shared this information without my permission while my report is under freeze status. I am also concerned about whether the same kind of breech is possible with XXXX and XXXX. It seems evident that calling those companies and establishing that a freeze is still in effect does NOT assure me that the report is not being distributed given what I have just witnessed.

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 2019-07-16
Company: EQUIFAX, INC.
State: UT
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:
XXXX # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: SANTANDER HOLDINGS USA, INC.
State: MD
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:
Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! XXXX bless you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a Funds transfer of {$2500.00} from XXXX XXXX on XXXX XXXX to CapitalOne. This transfer was initiated through CapitalOne mobile application. On XXXX XXXX at XXXX XXXX I received a notification from CapitalOne as confirmation via email that my transfer had been initiated and funds would be delivered by XXXX XXXX, XXXX. After 2 phone calls escalating the issue I was told funds would not be available until XXXX XXXX. This is only the most recent example of delayed transfers. This is a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is listed on my credit report as closed with a balnce of $ XXXXwith XXXX XXXX XXXX XXXX and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

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 2021-06-14
Company: JPMORGAN CHASE & CO.
State: OR
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:
CHASE is reporting a balance from a charge-off account to XXXX that was settled. The account balance should be {$0.00} and the status settled to less than full. The account is reporting correctly to XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
COMPLAINT ID # XXXX XX/XX/2021 Re : Rocket Mortgage,XXXX XXXX XXXX, XXXX, Michigan XXXX ( XXXX ) XXXX rocketmortgage.com - Loan # XXXX XXXX ) I told them that I pay property taxes and insurance outside of my mortgage, yet they insisted on adding them to my debts. After I reported them to the Bureau, they added back some amount to my income to balance it out. And they used the wrong income : {$1200.00} instead of {$1200.00}. I had to wait a month to get the official SS Award Letter to show {$1200.00}. 

It does not matter how much they add in or take out. Their calculation procedure is not transparent. There is no accountability. You just have to take it at face value, however they calculate it. 

2 ) After the Bureau forwarded my complaint to them, they offered me 2 refinance packages. I accepted one package on Monday, XX/XX/XXXX. On Friday, XX/XX/XXXX, they went back on their word. They said I no longer qualified for the loan. 

I did not think I would ever get a refinance loan from them, the way they strung me along, and went back and forth between qualifying and disqualifying. 
No one shoud ever have to go through this. 

3 ) It's a small mortgage, only 150K. I have no car debts, no credit card debts. I also pay property taxes and insurance outside of my mortgage. My DTI should be 55 %. Adding utilities cost, it should be well below 65 % to qualify for the loan. 

It's unconscionable for a XXXX widow to keep paying a mortgage at a high rate, when rate has come down considerably during the pandemic. Millions people are out of a job without any income, and I have steady Social Security income. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I check on my credit report and it showed I have 7 credit cards and 1 loan, but in fact I only have 1 credit card and there is no balance on the card. I've never applied for loans!

Also I was told there is a delinquency which affected my credit scores. I believe someone has been using my identity and taking a load without my permission. It has seriously affected my credit score. Please help.

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 2019-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid my balance off on my Bank of America credit card In XX/XX/2019 to a XXXX   Balance. It seems that a fee generated after that time which I was not aware of. Once I became aware of it I took care of it. Since I paid it down to XXXX and was unaware of this since I was told it was XXXX balance.

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 2017-07-05
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amsher Collection Services has reported a debt by XXXX to XXXX with out Debt Verfication

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TD BANK US HOLDING COMPANY
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:
This Nordstrom account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified via XXXX XXXX that I owe {$150.00} to XXXX XXXX XXXX for a utility company that is not mine in XX/XX/XXXX. My wife and I contacted XXXX XXXX XXXX and the rep requested I send the package as well as the police report, I attached to this email and was told they would review it for fraud. The collection was removed from my report shorty after so I assumed my file had been reviewed and found in my favor and removed from my credit report. 

When the collection was placed back on my credit report recently in XX/XX/XXXX We called XXXX & XXXX requesting an update. We were told by a rep by the name of XXXX that my file was never reviewed since the rep who it was originally assigned to has left the company. She then said she would review it now and call back at the end of the business day. When she did she said that XXXX XXXX XXXX would not investigate my file for fraud since I did not have a current utility bill. We reminded the rep, as we did in XXXX that I was living at my in laws home at the time and was unable to place utility bills in my name and when I moved to the other address ( Box XXXX XXXX, I was denied utility credit. We asked that they stop reporting this since XXXX & XXXX opened this account without my authorization, signature and no ID to confirm my identity. The rep refused and denied an investigation again. 

We explained to the rep XXXX that the suspect has opened other accounts and that there was another, possibly more victims. XXXX XXXX, who we am in close contact with is another victim to the same suspect, we requested they look into the information but was again denied. 

We called back a few days later and requested any information on this collection be sent to me via mail so that we can file another police report specific to this account and send a copy to the bureaus who are reporting this collection, we gave our current address and am waiting on the information now. 

The police report shows that the suspect in the case is the one who in fact resides in the area XXXX XXXX  XXXX services. We have also filed a report with Identity Theft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Columbia Recovery Group LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original Creditor, XXXX XXXX XXXX located in XXXX XXXX, XXXX which is owned by XXXX XXXX XXXX, sent me to collections on XX/XX/2014. The company they are using to collect the debt is Columbia Debt Recovery located in XXXX XXXX. The original amount owed to XXXX XXXX was {$1800.00}. Columbia Debt Recovery has been charging interest on the amount from the day it was handed over. I have reviewed the contract I signed when entering the lease for XXXX XXXX and did not find any language that would indicate Columbia Debt Recovery was legally able to charge me interest. I have reached out to Columbia Debt Recovery and asked them to verify where in the agreement it indicated they were able to charge interest and the representative agreed with me and said he did not see language either and I should not be charged interest. When I asked to have my report display the accurate information, I was told they would have to get approval before updating it and never heard anything further on it. 
Since I was getting no where with this company, I submitted a dispute through transunion citing an incorrect balance as the reason. Once the dispute was complete it was updated with a note that the balance would be corrected. Instead of actually correcting the balance, they added on to the balance, making it higher. 
I am getting nowhere with this company and what they are doing is against the FDCPA. I get an update that my balance has gone up monthly, It has a negative impact on my score and will continue to be detrimental every time they raise the balance with their bogus interest charges. The original balance was {$1800.00} my balance now with the fake interest charges is {$2900.00}.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

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

XXXX. Identity Theft CXXXX Date of inquiry : XX/XX/2020 This is not mine. 
XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

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 2019-08-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I think my identity has been compromised. I am traveling abroad to XXXX and on XX/XX/XXXX & XX/XX/XXXX fraudulent transactions took place in my Chase checkings account. That almost depleted my account by over XXXX USD. Two separate fraudulent transactions were occurred and one of  them was a check encashed by a person who I have not even heard of in my life. Not only that, my signature on check does not match my actual signature and hence ideally check should not have been processed. Also, I think the person has all my other information as next day another fraud happened in my account where money has been paid via ACH to a company named XXXX XXXX XXXX. I don't know why money has been transferred to them and this might be a much bigger issue if the fraud in this case has access to all other accounts. My biggest worry right now is that my money has been stuck and you can imagine how much stress will I be having right now as these are big transactions worth XXXX USD and XXXX USD respectively. I hope CFPB helps me out, I am more than happy to even go register an official police complaint. 

Chase will for sure follow their procedures but it is important that I involve CFPB as well so that I have someone who can use their clout and help me get justice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have credit cards that are closed and paid off and Im still trying to get them removed. I try not to pay someone because my funds are low but please help me remove all these old accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, US DEPT ED XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This complaint is really about an internet online company called XXXXThis company actually takes advantage of the credit card and the consumer of that credit card.On XX/XX/2022 I placed an online purchase with XXXX in the amount of XXXX dollars, the company took the money from the credit card.On XX/XX/2022 I received an email from XXXX that the account with the order number XXXX has been posted as being paid/success.Ten days later I attempted to get a tracking number and an email confirmation of sale, along with an possible delivery date.This webpage had the TRUSTWORTHY EMBLEM ON THE CHECKOUT PAGE green in color upon giving the credit card information.This made myself think this was a credible and honest webpage site to do business.Informed my bank credit card company and I started a dispute.The bank advised that an investigation of the transaction and XXXX would be started, and that I would be reimbursed upon finding.The credit card bank stated that the XXXX dollars went to another source called XXXXI contacted the company via email XXXX  and they stated no record of transaction with myself XXXX no order number XXXX was on record.I have to this day beingXXXX to get in contact with this company.It appears if this company XXXX has gone to a ghost upon receiving online internet credit card money.I ordered a pair of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXThis company XXXX is all over the internet scamming, stealing, misleading and getting away with this.The company will probaly change the site picture on the internet for online purchases and go to another name source.This XXXX fraudulent internet practice needs to be held accountable for its practice of unfair business practices, the company is now all over the internet when buying this line of sneaker.This is much bigger than the XXXX dollars it took from my credit card.This is an overt cyber attack on the credit monetary system in america.Something of this nature commands the attention of elected officials before the wolf is in the oval office.Online scamming is a multi billion dollar business coming out of america.I would like to have my shoes, however we need brand new legislation to kill these online internet companies that are attacking the populus of the american folk.

Company response to consumer: Closed with explanation