BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} and US BKPT CT XXXX  XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : $ XXXX XXXX Bankruptcy.

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 2019-03-13
Company: Debt Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This has been going on for more than six years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for two years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called to upgrade my card from Chase Freedom to Chase Sapphire on XX/XX/2021 and the representative did not transfer my points over from Freedom to Sapphire. I was under the impression that the points will automatically transfer since that is what happened the first time when I called to change from Chase Sapphire to Freedom. The representative on the phone never offered to transfer the points to my new account and as a result I lost a total of XXXX. I have not checked on the points balance since we have no need for it during covid. When I checked last week I realized that my points were never transferred over. I reached out to customer service but they did not do anything. We have all our retirement accounts with Chase and in the process of moving another $ XXXX over to Chase. We have been happy with Chase until this incident and losing XXXX is not a small amount. We would like to get our points back and would really appreciate your help on escalating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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:
On XX/XX/2020 I filed a complaint against TransUnion and XXXX  concerning the inaccurate reporting of XXXX This account was sold to XXXX XXXX XXXX. XXXX and all associates have requested this account be removed from all credit bureaus. XXXX has failed to response to my dispute. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit reports. It has been over 90 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX data breach  and may have got into the hands of the wrong person.

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: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet. Erase this on my report as it truly influences my credit standing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a Capital One credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
Capital one has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from Capital One to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) Capital One wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by Capital One. Capital One will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
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: Account status incorrect

Complaint:
I write to request that a 60 day plus late payment notice on my credit report be removed by XXXX  XXXX XXXX ( XXXX ) ; my credit report via Experian shows this as a " potentially negative '' item.This is the only negative item on my credit report. 

In the fall of 2020, I had stopped regularly using the XXXX credit card and did not charge no known expenses. However, an annual subscription ( which I thought I had cancelled ) renewed without my knowledge in XX/XX/2020. 

At the same time, I was in the midst of moving to a new home during the pandemic and was not aware of this unknown charge or that XXXX was expecting payment. As a result, I missed a payment on my XXXX card for the first time in XXXX years. 

Considering the above facts and circumstances, I request that XXXX remove the negative 60 day late notice with all major 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 2022-07-19
Company: EQUIFAX, INC.
State: MS
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:
I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was transferred from Great Lakes to Nelnet. I submitted a payment on XX/XX/XXXX to be paid/applied on XX/XX/XXXX. Nelnet has not posted the payment and is still showing it as pending more than a week later. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX XXXX, AND I AM WRITING ON MY OWN BEHALF IN REGARD TO THE FOLLOWING INFORMATION ON MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE ANY OF THE FOLLOWING CHARGES/INQUIRIES ON MY FILE. I REPORTED THE THEFT TO THE FEDERAL TRADE COMMISSION AND I HAVE ENCLOSED COPIES OF THE FTC IDENTITY THEFT AFFIDAVIT. I AM REQUESTING THAT THE FOLLOWING ITEMS ON THIS REPORT BE DELETED IMMEDIATELY.

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 2019-09-05
Company: JPMORGAN CHASE & CO.
State: NE
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged {$280.00} by Amazon in XXXX on my Southwest credit card from Chase bank. I checked both my Amazon account and my wife 's account and there were no purchases reflecting this amount. I called Amazon and they pulled up the purchase and claimed it was for a paperback book and confirmed my name and address. I did not, nor would I ever, spend {$280.00} on a paperback book. I immediately called Chase to report my card number as stolen and dispute the charge. I was given a credit originally, but then received notice that it was recharged because Amazon had provided proof that something had been shipped to my address. I did not receive any item. I've called both Amazon and Chase repeatedly to report this as fraud, and they both are claiming that the transaction is valid. It is obvious to me that someone clearly got access to my card number, opened a seller 's account with Amazon, listed a paperback book for nearly {$300.00} so they could get that money from me, and then shipped something to my address. My only assumption is that it was an envelope or some sort of junk mail that got discarded. I have since closed my Chase credit card and paid the amount to prevent my credit from being impacted. However, I just received another letter from Chase saying that they have closed the fraud claim and will not respond to additional reviews without additional information. The last time I spoke with them they said we needed Amazon to provide documentation stating that we did not purchase this item, but Amazon will not do so. Regardless of whatever was apparently shipped to my address, I did NOT order this item and am the victim of fraudulent activity.

I opened this card specifically to make a large purchase ( countertops ) for a home remodel. That purchase was paid off in the next billing cycle. Other than that, I'd only used it two other times for small purchases when I didn't have another card with me. This purchase is suspicious on it's own, but is also outside of our normal activity and not connected to either of our actual Amazon accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Netspend Corporation
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I was sent a Brinks Armored Account debit card in the mail. The card is embossed with my full name, address, and an account number. I never requested this card, and it seems as if an account has already been opened. Usually when I get these unsolicited promotional cards in the mail they wont be embossed with my name. And they will usually include an OPT OUT statement, which this one did not. I tried calling customer service to ask about it but they wouldnt let me get through to an actual person without giving my social security number. Now I dont know if someone signed up for the card using my information, or if its just a deceptive unsolicited advertisement. But can we put a stop to this sort of thing?

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 2022-07-18
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I refinanced two property rentals with on time paying tenants. I have the properties professionally managed by XXXX. Selene Finance was the new mortgage holder. 

Selene finance has yet to submit payment to my insurance provider XXXX from the impound account. XXXX cancelled my properties insurance policy XX/XX/XXXX. Due to me being a long time customer and Selene Finance admitting their at fault for not submitting payments, XXXX reinstated my policy with no lapse in coverage as of XX/XX/XXXX. 

XXXX of XXXX payment still was not submitted to XXXX from XXXX although we have proof of timely payments. XX/XX/XXXX I conducted a conference call with Selene Finance, XXXX, and the insurance XXXX along with the insurance XXXX. 

We were assured from Selene Finance that payment would be submitted to XXXX and we confirmed several times of the payment process. As of today, XXXX still has not been paid and XXXX  keeps trying to enforce Lender insurance although I proved I have coverage with XXXX. 

XXXX will finalize cancellation of my policies XX/XX/XXXX if payment is not received. 

Please help me correct this situation as I want to resolve before consulting with an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report alerted me to a collection that was added to my credit report in the amount of {$670.00}. bought from an original creditor, XXXX XXXX XXXX. This was a corporate account that has been inactive and dissolved since XXXX. I am NOT responsible for this debt. The collection agency has reported it as a new collection with original open date of XX/XX/XXXX. I have demanded that they provide me paper work to prove that I owe this debt, and the dates that correspond, and correct their error immediately. and still have no response. I have made a formal complaint with the XXXX, as well as, active disputes on my credit reports. This has affected my stellar credit rating, and has caused me a hardship in regards to interest rates on my existing cards, and refinancing my house. My father has been diagnosed with XXXX XXXX XXXX, and I find it despicable that this company can provide false and inaccurate information, causing tax paying consumers hardships, and during a pandemic to boot!. I demand that this collection account be removed from my credit report immediately. I fully intend to press forward and hold them accountable for any hardship that have caused now and in the future. This company has a history of complaints, and should NOT be allowed to continue to defraud the consumer and not be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom It may concern : This is a formal complaint that Transunion is reporting inaccurate credit information. 
I am very upset that Transunion have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongly denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on the reporting creditors " Transunion '' part and I am formally requesting an investigation into these items XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXXXXXX : Account appeared XX/XX/XXXX None of these accounts was giving my content and linked to an old address. I have sent Transunion my updated address months ago still no actions been taken to this matter. 
Thank you for your prompt attention to this matter. 
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 2021-12-09
Company: Experian Information Solutions Inc.
State: CA
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 CURRENTLY HAVE AN OPEN ACCOUNT WITH THEM IN GOOD STANDING. 
I HAVE NEVER BEEN LATE HOWEVER THEY ARE REPORTING A 30 DAY LATE O TO THE CREDIT BUREAUS BACK IN XXXX OF 2019 I HAVE TRIED MULTIPLR TIME TO GET THIS RESOLVED BUT THERY ARE REFUSING

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 2022-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im writing this letter as I would formally like to appeal Bank of Americas decision on Claim ID : XXXX. 

On XX/XX/2022, four unauthorized ATM withdrawals were performed at XXXX XXXX  in XXXX XXXX from my Personal Checking Account ending in XXXX. Details on the four unauthorized charges are noted below : {$500.00} - # XXXX {$300.00} - # XXXX {$100.00} - # XXXX {$53.00} - # XXXX I noticed the unauthorized transactions that same day and called Bank of America to open the claim. I made it clear that I always had the card in my possession and shared with the agent that I was traveling in XXXX XXXX, California at the time. The investigation was opened and on XX/XX/2022, I received notice that my claim had been denied as the bank had found the charge was authorized by me or someone that has permission to use my card or account which is false. I submitted an appeal letter noting that I was in XXXX XXXX, California at the time the unauthorized transactions happened, making it impossible for these transactions to have been done by myself. There is no one else other than myself authorized to use my account. I included the following in my letter Air travel confirmation XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - Ticket # XXXX Friday XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Ticket # XXXX Hotel invoice - XXXX XXXX XXXX XXXX, CA- XX/XX/XXXX XXXX XXXX XXXX  Credit Card Statement noting transactions between XX/XX/XXXX and XXXX in XXXX XXXX XXXX CA I never received a response to this letter appeal letter even-though I requested a copy of the documentation used to make this decision and request that the case be reopened and further investigated as these transactions were unauthorized and I should not be made responsible. 

I called the bank a number of weeks after and they noted that no further actions would be taken on their side as they stood by their decision to deny my claim, stating the a card with a chip was used for the transactions. To this date they have not taken responsibility for this fraudulent activity on my account and are making me responsible. They still have not provided any proof ( i.e. pictures taken by the ATM at the moment of the transaction ) to support their position. 

If any additional information is needed please feel free to reach out.

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 2023-08-29
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I sent a handwritten dispute letter to Spring Oaks Capital LLC, which was received on XX/XX/2023. In the amount of {$14000.00}. I still haven't heard from them yet. However, after future review of my credit report. Spring Oak Capital LLC, continue to report negative information on my credit report without providing any proof of debt or any contract bearing my signature.

Company response to consumer: Closed with explanation