BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
in the year 2015 of the month of XXXX I was a passenger in a former friends vehicle of mine. The driver feel asleep while driving and crash into cars. When I woke up I was in a hospital bed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, 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 2018-03-12
Company: EQUIFAX, INC.
State: NJ
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:
AFTER LOOKING AT MY CREDIT REPORT I NOTICED A BANKRUPTCY THAT WAS PUT ON MY CREDIT REPORT IN ERROR. I DISPUTED IT. 

EQUIFAX STATED THAT THEY VERIFIED IT ON FED XX/XX/XXXX THIS NOT CORRECT. I OPTED OUT OF XXXX XXXX XXXX ON XX/XX/XXXX. THEY HAVE ERRONEOUS INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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 mailed a Payment to my mortgage company ( Rushmore Loan Management Services LLc ) on XX/XX/2019 and the check was received on on XX/XX/2019, they added a 30 day late payment on my XXXX and XXXX report, my XXXX   report is not showing late for the month of XX/XX/2019. 
I talked to the managers several times the refuse to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have three student loans through Navient. I was told that by placing my loans on auto pay so that the company takes my payment right from my bank account, I would get a 0.5 % deduction on my interest rate for all of my loans. I have been paying regularly in that manner and they have not been crediting me the 0.5 % deduction I should have been getting. Therefore, I am paying more in interest each month, leaving less going to my principle balance. When I called to try to ask why this was happening, the customer service representative gave me wrong information again stating that two of my loans were getting the deducted rate but the third was not despite it also being on auto pay. The interest rates that he quoted my two loans that were supposedly getting the discount are different rates than what shows on my statement sent to me by mail every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPT OF EDXXXX XXXX Balance : {$3100.00} ; DEPT OF EDXXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
I never had any contracts with XXXX nor XXXX XXXX  and clarity service, Experian and XXXX  continuously reports these account which are had by identity theft and fraud.

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 2019-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bank of America is still under investigation with XXXX and XXXX. 
I am updating you with more proof this account does not belong to me and should not have been re-inserted on to my credit without giving me 5 day notice and without actually providing proof of verification. The case ( BANK OF AMERICA, N.A. vs XXXX XXXX ) has been denied IN THE STATE OF XXXX XXXX STATE OF GEORGIA. PLEASE REMOVE THIS ACCOUNT until you provide the proof requested in my previous letters sent to you to VERIFY this account. If you verify this account, PROVIDE the method of Verification. I do not consent to E-Oscar and would like for a REAL response with RESULTS. Remove Both Bank of America accounts immediately! The investigation is set to be done by XX/XX/2019. I ask that you include this in your investigation now!

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 2023-05-30
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-12
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.

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 2019-10-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from Experian on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at experian.com/upload, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my incarceration and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.

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 2022-11-07
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase Bank misrepresent the facts of my loan application by claiming that I didn't submit one, their letter dated XX/XX/XXXX, was sent to XXXX XXXX  XXXX XXXX which is not my address. I read this letter posted on the CFPB site. In the letter, it stated {$460000.00} loan amount where this number came from? I never request a loan amount for more than the balance outstanding. approx ( {$200000.00} ) Chase can read this letter from XXXX on XXXX XXXX about the loan application. There is a lot of deflection from the truth ... From : XXXX, To : XXXX, Subject : RE : Chase Home loan Application Existing Loan number XXXX Date : Thu, XX/XX/XXXX XXXX XXXX  Attachments : XXXX, I understand your frustration I have exhausted my efforts attempting to locate a loan program for you. 
You in fact will receive a letter by mail letting you know an update to the status of your application. 
The application process is out of my hands and you should rest assured that written communication will be provided. 
Any further information you would need will be on the letter that you will receive by mail. 
Sincerely, XXXX XX/XX/XXXX RE : Chase Home loan Application Existing Loan numb

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Credit card from Bank of America was lost and used by someone to purchase items at stores. Bank of America denied my fraud claim twice because the card was used at the location on XX/XX/XXXX and XX/XX/XXXX which of course it was when I explained I had lost the card. Been a customer of theirs for many years and have never had any fraud claims filed and the first time I need their guarantee because someone else used my card they wont stand by their customer.

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 2023-07-21
Company: Zions Debt Holdings
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:
Zions Debt Holdings # XXXX : I did NOT open this account nor give authorization to anyone to open this account on my behalf. This credit reporting is either fraud or a mixed file. I have filed a claim with the police dept. and the FDIC, please see attached. Upon taking matters into my own hands, it appears that someone either used my information to gain goods OR the credit bureaus got the wrong person that has the same name. I contacted the original creditor " XXXX XXXX XXXX '' and they provided me with a copy of the original sale contract. Please see attached. The goods from this company were purchased for a business called " XXXX XXXX XXXX  '' which I do NOT own or have ever done business with. I have never associated myself with the address that is on the sales contract. The phone number on the sales contract is not mine as well. This is a clear mix up or fraud. Please delete this erroneous reporting from my credit asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX XXXX XXXX store card. On XX/XX/XXXX I purchased furniture and financed it using a " 12 Month Special Event '' financing. The terms of the financing agreement were that the interest would be deferred for 1 year and the full interest would be due at the expiration of the agreement on XX/XX/XXXX if the principle had not been paid in ful before the expiration. 
On XX/XX/XXXX I paid the full balance of my XX/XX/XXXX statement. This included the remaining " Special Event '' balance in full. XXXX XXXX XXXX allocated a partial payment to the " Special Event '' balance and also allocated a {$27.00} minimum payment ammount to charges made in the future ( XX/XX/XXXX ) billing cycle. The application of a payment towards the current statement ammount to the current balance and future statement, is a violation of the terms of the XXXX XXXX XXXX credit agreement. As a result {$27.00} remained on the " Special Event '' balance on my XX/XX/XXXX statement along with a debit for the entire interest that would have accrued on the " Special Event '' financing. I was able to contact Customer Service on XX/XX/XXXX to get a full refund of the interst. I still had to pay a {$27.00} late payment fee on the XX/XX/XXXX statement balance. Due ot my confusion I did not want to make a payment until I had resolved the huge discrepancy on the XX/XX/XXXX statement. 
To add insult to injury, I am a XXXX employee who was not receiving pay during the entire period that these charges were being sent to me and my attempts to resolve the issue. 
This is, in simple terms, a con or scheme on the part of XXXX XXXX XXXX to confuse their customers into making large interest payments that they are trying to avoid. In the 11 month run up to the final payment being due, XXXX XXXX XXXX never miss-allocated a payment. All of my payments went towards the balance of the current statement. Only on the last month did XXXX XXXX XXXX try to confuse me by miss-applying a payment to a future billing cycle. I worry that other consumers would fall prey to this con. CFPB, pleaes help protect consumers from this scam and others like 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 monetary relief
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

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 2022-10-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing 6 charge offs listed on my consumer report for months with no success from the companies or the three consumer reporting agencies. The status of these accounts are inaccurate and continue to harm my character, reputation and ability to obtain credit for personal and household purposes. My consumer rights have been violated and I demand that these accounts be deleted, and I am seeking {$1000.00} per violation.

Per IRS publication, a charge off is a cancelled debt and the consumer is required to report the charge off amount as gross income regardless of if they receive a 1099A from the lender. I amended my 2021 tax return and reported all charge offs as gross income. I now owe the IRS. These accounts listed on my consumer report as charge offs are now incorrect and inaccurate. I have sent letters to all three consumer reporting agencies, and they continue to come back verified which brings me to the question, what is the investigation process? How are these accounts coming back verified if I am the only one that can verify anything on my consumer report? I never gave any written consent for any of these accounts to be on my consumer report, so they are being illegally reported. I have been denied credit due to these negative accounts being listed on my consumer report, which has caused me and my family grave harm. In my current position, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has put me under extreme stress and could have easily been avoided if the consumer reporting agencies did their due diligence. My next step will be Federal Litigation if this is not remedied asap. I have identified below which of my consumer rights have been violated.

1. 1681e ( b ) Compliance procedures 2. 1681b. Permissible purposes of consumer reports 3. 1681c. ( 5 ) Requirements relating to information contained in consumer reports 4. 1681i. ( 7 ) Procedure in case of disputed accuracy 5. 1681n. Civil liability for willful noncompliance 6. 1681a. ( 2 ) Definitions ; rules of construction

Company response to consumer: Closed with explanation