BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: SECURITY FINANCE CORP
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:
Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/XXXX and updated my NEW address in the state of GEORIGA where Ive resided since XX/XX/XXXX. Security Finance on XX/XX/XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize Security Finance in XXXX XXXX to pull my credit on XX/XX/XXXX XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Finally got a chance to see my full credit report so while I was checking I noticed some accounts I never had and I wanted to get them remove because I feel that they are inaccurate. I have filed a FTC report and I contacted the creditors multiple times they have not provided me with any information!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX  XX/XX/XXXX Us Sm Bus Admin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-09-25
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I agreed to a payment plan available at the XXXX. I withdrew from the class in XXXX, XXXX. I received a notice from the state of Maryland in XXXX, XXXX stating that I owe {$1200.00}. I received no written notification that I owed any money to XXXX ever. I received a notice from Harris & Harris , Ltd saying that they are collecting {$1200.00}. I was not given the opportunity pay this prior to going to collections. I was never given a breakdown of why the total {$1200.00}, when I was given a total of {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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:
A fraudulent utility account appeared in collection on my credit report. I did not notice the issue until XX/XX/XXXX even though the account was opened in XX/XX/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 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 applied for a Secured Master Card with Capital One and received a letter which said " Dear XXXX XXXX, congratulations! You've been approved for a Secured Master Card from Capital One with a credit line of {$200.00}. We're excited to get your card to you. All we need is the required security deposit of {$49.00}, which is due by XX/XX/2020 '' which I paid on XX/XX/2020 using my debit card with XXXX XXXX XXXX. I have the proof of payment which I can not upload because my printer stopped working, but would be glad to mail to CFPB. Capital One letter also stated " if you've paid your deposit, thanks. you should receive your card within the next two or three weeks ''. But three weeks passed and no card was received by me, so I called on XXXX XXXX., 2020 to cancel and to get a refund of my {$49.00}. I was told a check had been mailed to me from Capital One in Virginia on XXXX XXXX, 2020. However, today is XXXX XXXX, 2020 and I still have NOT received the check. I am therefore appealing to CFPB fpr help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018 and XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2021-04-30
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Someone fraudulently filed unemployment in my name. I filed fraud with the Unemployment line and then still received a US BANK Reliacard stating it was for my unemployment benefits. I did NOT FILE. I do not want ANYONE TO HAVe ACCESS to an account. I can not reach a HUMAN BEING. I want this account closed

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 2020-08-31
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]  XXXX 'XXXX  XXXX charged off my account and keeps reporting it 30 days late every month. The law does not allow for a company to charge off an account and then report further information for delinquency. 

FSNB can not not be reached for a dispute and keeps verifying information to a credit bureau. 

Tn Dept. of Human Services is reporting an incorrect balance and taking my money without a garnishment order and further not reporting the stimulus money in the amount of XXXX from the state of Texas. It's a violation of the Tennessee Fair Credit Reporting Act to increase garnishment without a hearing first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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:
Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/2018 and updated my NEW address in the state of GEORIGA where Ive resided since XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize XXXX XXXX in XXXX Tenn to pull my credit on XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: PLANET HOME LENDING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, my husband was retiring from the XXXX and I knew I would be the only one working. It was going to be difficult providing for our three kids. We decided to refinance our current mortgage loan with Planet Home Lending which we were VA residential on the loan. We contacted Planet Home Lending and immediately we were connected to XXXX XXXX who started our mortgage refinance application process and he made it seem it was a great decision and it would take at least three months. It also included not paying the mortgage for two months. On XX/XX/XXXX, I emailed Mr. XXXX to check on our application and he said it would take another month or two months. A month and a half passes by and we call and leave messages on his office and mobile number and he would not return our call. Instead, we finally received an e-sign document on our loan approval on XX/XX/XXXX which the preparation date on the document when prepared was XX/XX/XXXX. We sign the document and we gave it more time before contacting Mr. XXXX again. When we called his phone we would not get an answer and we would leave voice messages and he would never return our call. We were getting frustrated. I then emailed him and he emails back and cc 's a woman by the name of XXXX XXXX to advise and the email contained that the file was in " Encompass it is still processing ''. We never recieved an email with a response so we called Planet Home Lending and we were advised to contact Mr. XXXX once again but we explained the situaution to the person on the phone. We continue to call Mr. XXXX and XXXX again starting XXXX XXXX and no answer. We then applied for the forbearance to help our family during this process in XXXX. It is now XX/XX/XXXX and my husband called the mortgage company to speak to a manager and XXXX the manager hangs up in my husband 's face and never calls back. My husband calls Planet Home Lending back and he spoke to a representative to see if he could speak to someone above XXXX the manager and gets information to the issue. He stated he would get in contact with XXXX 's supervisor so he could advise her to call us and give us an update. I was just fed up with the words of promises but there were no actions behind it. We need help getting to the bottom of this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: GA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill from 2015 that I have a paid receipt for from the doctor This had just now this month shown on my credit report and not sure why I contact the collection agency and they say " the did not report this '' I offered to show them the credit report and they keep putting on on hold and saying they can not help This account as per the attached was paid directly to the doctor and never should have been reported. It always is reporting a balance that was paid over 2 years ago XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX my chase Bank account was debited {$27.00} for a charge that I sent back the merchandise to the merchant on : Your item was delivered to an individual at the address at XXXX pm on XX/XX/2018 in XXXX, GA XXXX. Tracking Number : XXXX. So, I sent back the XXXX to the XXXX XXXX. Now I am charged {$27.00} for the merchandise. My Bank Chase refuses to dispute the case further. So, I have to take the loss of {$27.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I have a credit card from XXXX Citibank/Citicards for more than 4 years, I have this credit card on a payment program, due to COVID-19 situation I was not able to make the payment for the month of XXXX And XXXX, I called the company XXXX XXXX XXXX on XX/XX/XXXX explaining my financial situation because the hours on my job were reduced due to COVID -19 and it had a big impact on me economically. The company XXXX XXXX XXXX said they would give me deferment on the payments because they understood the current situation With the pandemic, they also stated I had to communicate with the back which was Citi to let them know my current situation which I did on XX/XX/XXXX, and Citibank offered me deferment on payments for the month of XXXX, XXXX and XXXX and no late fees would be provided or reported to my credit bureaus. A week later they reported it to the three credit bureaus as late for more than 30 days, which is unfair because they provided me a different information. 

I am a very responsible person with a credit history for more than 6 years and I have never had a late fee or payment on any of my accounts. 

The CARES ACT law signed on XX/XX/2020 states that any lenders should provide deferments on loans or credit cards and dont report any delinquency on peoples credit reports. 

I filed a dispute and spoke to the bank and they denied on giving me that information on the deferment on XX/XX/XXXX. 

I am seeking help so this can be resolved as soon as possible, I am willing to pay off the balance of this credit card in XXXX but I need this information to be deleted from 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 2020-01-22
Company: JPMORGAN CHASE & CO.
State: PA
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/XXXX XXXX XXXX XXXX owner Of XXXX XXXX XXXX purchased a motor from XXXX XXXX XXXX XXXX XXXX New Jersey for a job on a XX/XX/XXXXXXXX XXXX XXXX. When the motor arrived it was broken, when he contacted Seller from XXXX they stated they would send out a different motor and pick up the broken one, which they did. When new motor came it was the wrong one and could not be used for the job. XXXX again contacted XXXX and informed them that due to a broken motor and now the wrong motor being sent that he could no longer wait and would like them to pick up the wrong motor and void sales. Motor was returned to XXXX. However there was still a charge of {$1300.00} that had been charged to the Businesses Chase Ink card. XXXX then opened a dispute claim informing Chase that he did not have any of XXXX XXXX product and canceled the sales due to them not being able to provide the right motor for the job. This dispute has been open since XX/XX/XXXX with them " resolving '' the dispute with XXXX XXXX XXXX still owing CHASE for the payment! XXXX has provided all information CHASE had asked for and informed them NO product was kept and yet they still want XXXX to pay them for the Charge of {$1300.00}. WHY ARE WE BEING BILLED FOR NO PURCHASE? WE HAVE NO PRODUCT SO THERE SHOULD BE NO CHARGE AS SALE WAS VOIDED!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, commercial acceptance located in XXXX PA XXXX XXXX XXXX # XXXX XXXX XXXX  pa XXXX. 
They are calling all of our family members throughout the United States. They are calling my XXXX year old son. We did not receive any letters or emails regarding this debt we owe. We are reporting them so they stop harassing my family. They need to take better approaches to debt collecting besides attacking ones family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: TN
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:
At first I received a letter from XXXX funding about an alleged credit card debt with XXXX XXXX. I sent XXXX a debt validation letter and they never validated the debt. Then I get a letter from XXXX XXXX XXXX collecting on a debt for XXXX and also XXXX XXXX credit card. I sent XXXX XXXX XXXX a debt validation letter and all they sent me was an " home made '' account summary stating I owe XXXX XXXX and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : XXXX XXXX XXXX, XXXX XXXX and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!

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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( transunion XXXX and XXXX report different on multiple accounts Highlighted in the yellow are Transunion highlighted in the orange are XXXX highlighted in the pink is XXXX. 
Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.

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