BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: CNG 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:
About six months ago I had discovered that i am a victim of identity theft. I discovered that some one unknown to me had used my personal information to get few credit cards and few personal loans under my name. I immediately filed an identity theft report and sent it to original creditors and credit bureaus. Among these creditors there was a company called AXCESS/CNGO. I have contacted this company at least half dozen of time and disputed this account with the credit bureaus and original creditor and as of today i have not got any respond from them and they keep saying this account belongs to me and i requested validation fr5om them and i have not receive nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I have contacted Chex Systems About this account being fraudulent and have submitted the proper documentation and the following bureau has refused to remove the account stating the information is accurate. I have submitted information that my address was never in a city which was stated in Kansas. The account was reported is as follows XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, Transworld Systems I added derogatory marks on my credit report to all 3 credit bureaus. Upon, further research, these accounts were transferred and sold and I am no longer responsible for the account. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Transworld Systems I has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JH Portfolio Debt Equities, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a phone call or any written documentation from Company, I never such heard of Company until it was reported on my Credit XX/XX/2018. I have " NO CONTRACT '' with Company. Company need to provide me with a contract bearing my signature showing I have a debt with them

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 2021-01-29
Company: JPMORGAN CHASE & CO.
State: TX
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 got my Amazon chase card last year and have paid my balance with no issues. On XX/XX/XXXX I made a {$1000.00} payment. When I couldn't use my current reward points on the card I checked my account and noticed there was a second {$1000.00} payment pending. I called and explained I only made 1 payment. The rep said it was fine and it would go away. The next day my account was blocked. I called and it was unblocked ok. 3 days later my account was completed closed due to a returned {$1000.00} payment that I didnt submit, and also didn't present itself to my bank at all. Ive argued with chase for 2 weeks they refuse to reopen the account. If they would have presented the unauthorized payment it would have still been paid. It never came to my bank and I never made a second payment. I begged to investigate a technical error. I am good. I sent copies of my bank statement it was never looked at and I also tried to call my bank and the bank representative told me if I didnt hang up the phone he would hang up and not help me. 

I have 4 other cards with other banks. My XXXX 5 years, one of my XXXX  XXXX cards 15 years, my second XXXX  XXXX 10 years and my XXXX XXXX for 3 years. 

I was about to move my XXXX  XXXX checking and savings account to chase. I will never do business with them in life again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: GATEWAY FIRST BANK
State: OK
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 am mad at gateway mortgage because i had lost my job due to covid-19. I called gateway to get on their forbearance program but I did not call in time before I was mark on my credit reporting with a 30 days past due. I would like gateway to fix my credit reporting due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
This account was offered a settlement and I paid that settlement in full and capital one refuses to report it as paid in full it is still reporting as past due and outstanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX-XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX A ) 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 2018-02-08
Company: Experian Information Solutions 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 not a dispute for debt, this is a request to remove an address that does not belong to me.

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 2018-02-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage bought my loan in the middle of a home insurance claim from XXXX XXXX. I was not notified of the change as required by law and was never contacted.

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 2018-02-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter to XXXX XXXX XXXX on XX/XX/2018. They never responded with the validation request but sent another bill on XX/XX/2018. I then received a phone call asking me to verify my last 4 digits of my social security number and address. I have yet to receive validation of this account and request that it be deleted from my credit files as this is causing major issues with the home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021, I received a letter from FedLoan Servicing dated XX/XX/2021 stating that my request for direct debit has been approved. In the letter ( which is attached to this complaint as XXXXXXXX ), there was a column referencing funding account that I was not able to understand. This column has 2 numbers and I do not know what those numbers mean. I am unable to determine whether this means my bank account is correctly set up for Direct Debit or not. I attempted to call and email FedLoan Servicing to no avail. I have attached a copy of the email I sent on XX/XX/2021, which is entitled FedLoan call about funding account.rtf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2016 I made my first payment to XXXX XXXX owner of XXXX XXXX XXXX. I paid him {$6500.00}. XXXX started work on my house on XX/XX/2016. I reluctantly made a second payment of {$9800.00} on XX/XX/2016 on my BOA credit card.. I felt uneasy because the second payment was supposed to be made after completion of the drywall which was only 75 % done. That payment was supposed to be after drywall was complete. On XX/XX/2016 was the last time XXXX or anyone from XXXX XXXX XXXX  was at my house. He never came back to finish the job I already paid him for. I called, text and emailed many times with no reply. 
On XX/XX/XXXX I called and disputed the charge. I explained to Bank of America that I needed to dispute the {$9800.00} right away. I explained to them there was also a charge for {$6500.00} that I wanted to partially dispute because he never finished the work from the first down payment I gave to XXXX XXXX XXXX. 
On my XXXX statement I received a partial credit for {$3200.00}. I still don't know where that number came from. I guess the person from BOA I spoke to misunderstood me. 
To be clear I am disputing the full {$9800.00}. I am also disputing {$2300.00} from the {$6500.00}. I sent BOA and estimate ( like they asked ) from another licensed contractor XXXX XXXX showing how much work was completed from my first deposit of {$6500.00}. They estimated that about {$4200.00} worth of work was completed total by XXXX XXXX and XXXX XXXX XXXX. 
BOA just kept giving me the run around. I sent them many emails and texts between myself and XXXX XXXX. 
They still refused to credit me. Since then I have not received a letter or anything saying I still owe that money. Not until I went to refinance recently did I realize it is on my credit report. This is why I'm making this complaint so long after the fact. I still have copies of emails, text and contract from XXXX XXXX owner of XXXX XXXX XXXX discussing this matter. XXXX since then has claimed bankruptcy so I am unable to go after him personally. Please help me clear this up. This guy XXXX is a crook. He took that last payment of {$9800.00} knowing he was never coming back! 
I appreciate your time and help on this matter. You can call me anytime for more information at XXXX XXXX XXXX. Or email me at XXXX. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: BBVA FINANCIAL CORPORATION
State: FL
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:
My wife made a XXXX gift purchase on our account from a merchant named XXXX on XX/XX/XXXX. We received the clothing on XX/XX/XXXX. The size of the clothes were misrepresented ( the size on the label was nowhere near the actual size ) and, when given as a gift, did not fit the recipient. 

We tried to get an exchange/refund from the merchant, but they appear to be a dropshipper from XXXX and refused. 

We initiated a chargeback dispute ( # XXXX ) with our bank ( Simple ) on XX/XX/XXXX for two transactions - {$100.00} and {$1.00} ( which appears to be an ISA Fee charged by Visa related to the transaction since the merchant appears to be in XXXX ). We received a reply from Simple on XX/XX/XXXX stating that " per Visa rules, charges have to be reported within a certain time frame in order for us to attempt to successfully return the charge. '' That time frame was 120 days from the posted transaction date. I pointed out to them I initiated it at 114 days, not 120+ days. They apologized and stated they would investigate the disputed transactions. 

Shortly thereafter, COVID-19 hit. I was looking over my emails and bank statements, and noticed there hadn't been any updates. So I contacted Simple on XX/XX/XXXX asking about the status. They replied on XX/XX/XXXX stating " the dispute in question was reasserted and is still being investigated. '' Finally, on XX/XX/XXXX, I received a reply from Simple stating " we have no recourse as this charge was too close to the timeframe for it to be submitted to Visa and the investigation will remain the same. The dispute will remain denied and no funds will be applied for the disputed transactions ... We have no further recourse. '' I reached back out to Simple that same day because that excuse is unacceptable. Guidelines are in place for a reason - I met my requirements and I expect Simple/Visa to meet their requirements. Simple replied on XX/XX/XXXX stating " unfortunately the dispute denial will stand. Even though you reported the dispute before the 120 days, Visa was backed up and not able to get to it before their deadline expired. At this point the dispute is out of our hands and we will not be able to dispute it further. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: GA
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:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: FL
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 told Experian that I have not received anything from these companies and these accounts were opened as a result of FRAUD. These accounts need to be deleted and blocked from my report for XXXX XXXX XXXX XXXX & XXXX XXXX. 
Thank you in advance for assisting me with this problem.

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 2021-01-29
Company: EQUIFAX, INC.
State: IN
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:
XXXX, XXXX, and Equifax are continuing to report a past account with XXXX XXXX XXXX as a charged off account. This account has been paid in full via a garnishment from my paycheck, initiated by their lawyers. 
As I subsequently dispute the findings that XXXX  comes back to me with, they refuse my electronic dispute on their website stating that this has already been resolved. XXXX  and Equifax have also not removed it based on the information XXXX is providing them with. 
According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer by not providing the credit bureaus I have disputed this with the correct information and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
commenity bank XXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the 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 2019-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This debt collector has been harassing me and my family for years. My credit report shows that this company does not own any outstanding debt on my credit report however they are making soft inquiries into my credit without my legal permission and in turn lowering my credit score. The dates of these inquiries are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. Phone number listed for the company is XXXX. Please do something about this as they are also harassing people in my address/building.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I am requesting for XXXX  to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. Synchrony XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, XXXX is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against 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