BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

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 information corrected 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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was notified via my bank ( XXXX ) that Capitol One executed a credit inquiry on my behalf. I have never applied for a credit card through Capitol One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of ID theft, LVNV FUNDING LLC and various debt collectors associated with them called me multiple times since late 2018 about a credit card account opened with XXXX  XXXX XXXX  and demanding me to pay the past due amount of {$2000.00}. Since then Ive reported them as this is a FRAUDULENT ACCOUNT and I have provided the police report to them as well. I have also spoke with XXXX XXXX XXXX  fraud department and have reported about this however was no help as well. LVNV FUNDING LLC hasnt taken a needed action and forced me to make a payment on this fraudulent accounts which Ive refused and resulting in debt collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been trying since XXXX to get Chase to write me a letter saying I did NOT have insufficient funds contrary to their notification. They have refused. I had asked XXXX XXXX the afternoon of XXXX XXXX to sell XXXX  bonds from my brokerage account and buy US Treasuries with the proceeds. I received a letter dated XXXX XXXX saying I had {$140000.00} in sufficient funds in my checking account, that the payment was rejected and that Chase could charge me an insufficient fund fee, notify credit agencies and close my account. 
I called to say there was no way that I could have had insufficient funds because the proceeds of a bond sale were to be used fund the Treasury buy. I asked for a letter saying that the notice was in error and their response basically was that they are not charging me a fee. They refused to send a letter correcting this notification. Along the way some agreed to send the letter, but then rescinded their promise. Saying they are not at this moment charging me a fee, notifying credit agencies etc. is not the same as saying I was not responsible or guilty of " insufficient '' funds and Chase should not have accused me of insuffcient funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
I at no time whatsoever authorized the XX/XX/XXXX XXXX  inquiry. When I contacted XXXXXXXX XXXX XXXX  services to obtain a reference number for the inquiry, I was told there was none for the date of XX/XX/XXXX because no further inquiries had been submitted after XXXX of this year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Shellpoint Partners, LLC
State: CT
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:
My credit report has been negatively affected by inaccurate reporting by Shellpoint. My loan was transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XX/XX/XXXX. I was in a forbearance plan with XXXX  XXXX XXXX and that forbearance plan transferred to Shellpoint. Under the forbearance plan I was not supposed to be reported as delinquent to any credit agencies. I was in constant communication with my new reps at Shellpoint, XXXX then XXXX and their Manager XXXX XXXX. My loan payments were then deferred. I made my first mortgage payment as required on XX/XX/XXXX. While in forbearance and while my loan was deferred I should not have been reported to the credit agencies as delinquent. I emailed my rep XXXX on XXXX and the manager XXXX on XXXX about the credit reporting problem. XXXX emailed back and said to email loss servicing at Shellpoint, which I did with no response. XXXX did not respond. I then called customer service on XXXX and was told to send a copy of my credit report by fax, which I did. I also saw that my customer portal for Shellpoint says : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Our systems indicate the you are currently on a forbearance plan or have been on a forbearance plan in the past. While on the forbearance plan, you are not required to make your monthly mortgage payments, you will not be assessed any late charges, and negative credit reporting has been suspended on your loan. This means you will not be marked " late '' for any suspended payments. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This statement on my portal totally contradicts what they have reported. I have been report as 120 days late to the credit agencies ( see attached ) This is my second formal complaint about this company after having an account with them for only 4 months. They are either incompetent or fradulent. 
I have asked them to fix my status with all of the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-11-11
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 other adverse item of information, other than records of convictions of crimes 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 agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2020-01-15
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Ally Financial # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be 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 2020-04-30
Company: Experian Information Solutions 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:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 2023-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I contacted our primary bank to notify them of several fraudulent charges that were made through our Checking account. These charges amounted to almost {$5000.00} and the merchant description was in XXXX XXXX, whereas my husband and I were both in XXXX XXXX, Texas XXXX at the time the charges were made. The exact charges are listed below all one after the other and all processed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$1000.00} At the time the person we spoke with stated that the fraud was an online charge against my husband 's debit card. A new debit card was issued and an investigation was opened. We were told we would receive text message updates on the claim. We were refunded the amount that had been debited from our account at that time. 

We never received any text messages from the bank and only realized any communication was sent after the funds were reversed from our account on XX/XX/XXXX. Upon calling the bank I was notified that a letter was sent to me virtually letting me know that my claim had been denied and that the funds would be reversed. The online fraud department explained that an investigation had been completed, although no additional information had been asked of my spouse or me, and they found that the transaction had been authorized by facial recognition or biometric technology and therefore denied. Although we have proof that my husband was not in fact in XXXX XXXX at this time and therefore could not have used his face to authorize these transactions, I was told that there was nothing that could be done. 
On the same day, XX/XX/XXXX, my husband spoke with a different representative and explained our situation. She stated that she would reopen the claim and asked my husband to provide the receipt that he had saved from the restaurant in XXXX XXXX we had visited that evening. 
On XX/XX/XXXX, my husband visited a local branch to speak with someone and fax the receipt with the reference number to the online fraud department as requested. 
To be respectful of the holidays and give time for someone to process the information, my husband waited until XX/XX/XXXX to contact the online fraud department again to see if any additional information could be shared on our claim. He was told a new claim was never re-opened and that nothing could be done. When he asked if he could speak with a supervisor he was told that they were not accepting calls. He called two additional times on XX/XX/XXXX and was met with more roadblocks and no additional answers on what could be done to help us regain the money that was stolen from our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-31
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Management LP has listed this account in my credit file as a collection account for XXXX XXXX in the amount of {$310.00} in XX/XX/2019. I disputed this account with XXXX and it was removed in XX/XX/2019 but was placed back on my file in XX/XX/2019. This company has never sent a collection notice, or a right to dispute notice. I have no knowledge of this account and where it came from.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
We received a notice from Comenity Bank related to CFPB reference number XXXX requesting additional information and have forwarded proof of a payment processing on XXXX XXXX, XXXX  in the amount of XXXX ( check was never returned and never cleared, subsequent payment of {$100.00} processed on XX/XX/XXXX  ( check was returned un paid ) and final payment of XXXX was received and posted as payed XX/XX/. The initial two payments on account ending XXXX on my XXXX XXXX appeared to have been lost and or returned after Comenity Bank moved their physical address and terminated the forwarding of checks without sufficient notice. A PDF showing proof of the processed checks has been included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account, XXXX. I believe this limitation has been imposed in error. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. The limitation on my account has left me puzzled and distressed, as it appears to be a misunderstanding or misjudgment. 

I kindly request PayPal to conduct a thorough re-investigation of my case. I believe that upon closer examination, it will become evident that I have not violated any PayPal policies. My intent is not to challenge your authority but to seek a fair resolution to this matter. 

My PayPal account has been an essential tool for my online financial transactions and business activities, and its suspension has had a significant impact on my daily life. I kindly ask for your understanding and assistance in resolving this issue promptly. If, after your re-evaluation, it is determined that there has been an error, I respectfully request the restoration of my PayPal account so that I can resume using your services. 

I greatly appreciate your attention to this matter and look forward to a fair and just resolution. Please feel free to contact me at XXXX if you require any additional information or clarification regarding my account. 

Thank you for your prompt consideration of this appeal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Mortgage was paid off and closed as of XX/XX/. Mortgage company continues to report late payments/missed payments to credit bureaus, even with proof account is paid off and closed being reported to credit bureau .

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 2021-07-20
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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