BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
There are ( 2 ) Hard Inquiries on my XXXX credit report that I have no knowledge of. 
" I did not '' make theses inquiries and " I did not authorize '' anyone to do so on my behalf.

May I please have these unauthorized inquiries removed from my credit report. 
The dates of these unauthorized inquiries are : * ( XXXX ) XXXX XXXX Capital One ( bank ) * ( 2 ) XXXX XXXX Capital One ( bank ) Thank your your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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: Was not notified of investigation status or results

Complaint:
I disagree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
In addition this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692gFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

In addition I have provided documents showing XXXX Account Number : XXXX Has been paid in full and I have updated the payment history and title of the automobile title. I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately. 

Per law you must honor 15 U.S. Code 1692g - Validation of debts. I find that either you unmoral or youre not familiar with the law therefore below is a definition.

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 2020-08-19
Company: CMRE Financial Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX, original lender - CMRE Finanacial Services, Bureau Name - XX/XX/2020 date reported - payment status, collection/chargeoff - total amount {$680.00} This was not notified and company did not reach out to me. According to my records I did not visit XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Prince Parker & Associates
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company Prince Parker and Associates continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
State: MA
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:
Citibank Case No. XXXX On XX/XX/2019, XXXX XXXX at Washington DC-XXXX  MD ( Merchant ), overcharged my stay for {$320.00}. The merchant realized the  mistake and credited that amount to my credit card ( Citibank ).  However, when I received my credit card statement, there was no credit of {$320.00} on the statement. I called the merchant and they confirmed to me that {$320.00} had been approved and released to my credit card. The merchant had sent me proved ( folio ) that the credit had been released. 

I spoke with and sent all the requested documents to the dispute department at Citibank between XX/XX/2019 and XX/XX/2019. During this period, each time when I called to follow up with Citibank, they denied the charges and kept pushing back. Even with all the proved and necessary documents showing XXXX XXXX XXXX had issued credit to my credit card, Citibank still denied to issue credit of {$320.00} to my account. I sincerely hope you can help resolve this issue expediently. Thank you for your corporation.

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 2020-12-17
Company: The CBE Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received correspondence from Company CBE and received several telephone calls related to a previously disputed account with XXXX/XXXX. CBE Company indicates that they received the file in their office 45 days ago and was bought from XXXX XXXX. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name - XXXX XXXX. I provided CBE with my current information and asked for them to validate the debt and to send me any documents via mail, which I have not received. Instead, they reported this fraudulent debt to all 3 credit agencies, which has resulted in my ability to obtain additional credit. I want this account validated, via a signature page, and sent to me within 15 days. I have disputed the debt with all 3 credit bureau 's. I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from CBE if they can not validate via a signature page and want this fraudulent account removed immediately from all credit bureau 's. 

This account is not mine and was opened in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraudulent charges were made using my debit card # and pin on XX/XX/XXXX. I received a text message from my Chase Bank account asking if I authorized the amounts or were they fraud. I responded no not to authorize them. I called chase to disable my debit card immediatelyXX/XX/XXXX. Monday morning XX/XX/XXXX I followed up with a call to Chase Bank to report the fraud. They reversed the charged and launched a claim. 

The charges are as you see below : XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$97.00} XXXX XXXX {$12.00} 21 days later Chase reauthorizes the charges saying because the pin # was used there is nothing they can do. Chase claims they can not verify if my debit card with chip was used or not. Which I thought was suppose to be a protection against debit card fraud. I feel that the investigation by chase does not protect the consumer against fraud of someone else stealing your card # and pin. In addition per FTC if you report the fraud you should not be charged again. 

Chase Bank case # Case ID # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-09-07
Company: AES/PHEAA
State: IA
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:
I have tried for over 30 years to get he lp with a for profit school XXXX XXXX XXXX located in XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX ( XXXX ) was a for-profit post-secondary education organization in North America . Through more than 50 campuses and subsidiaries, it offered career-oriented diploma, Associates and bachelor 's degree programs in advertising design, architectural design, health care, business, criminal justice, transportation technology, construction trades, and information technology. 
XXXX XXXX XXXX XXXX, agreed to acquire remaining assets of XXXX XXXX XXXX in XXXX. At the time of the acquisition, XXXX XXXX was the world 's largest provider of education through mail or computers. 
The school missrepentation of everything from job pay and prospects. 
I now owe XXXX XXXX dollars almost all on intrest. 
I was advised to attend the school by the State of Iowa I was approved for Pell Grants and other grants To pay for this. 
The school was so bad that the teachers left in droves and they had other students teach. 
I learned next to nothing. I wanted to leave but was told by the school I would have to pay everything back so I stayed. 
I have never been able to get a job in computer repair or coding. 
I am now turning XXXX this month I have made so many attempts to settle things with no results I was finally able at XXXX to get a position in XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX I have been told I have made 109 qualified payments toward XXXX I just can't work full-time anymore. 
Can you help me understand why I can't get the debt forgiveness like other schools that were closed and debt forgiveness was given. 
I will now still be responsible for the rest of my life for at least XXXX XXXX dollars in intrest. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: MI
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:
My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix 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 2019-12-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have major score differences on my Equifax credit scoring. I have tried to resolve the problem with Equifax with no luck. 
My.equifax.com score is XXXX ( excellent ) and my equifax premier score is XXXX ( fair ). Also equifax premier has XXXX  and XXXX in the 600 range far from where they actually are. 
I do understand different scoring models but these scores are to far apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: National Credit Adjusters, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The information provide from XXXX XXXX Account was open in XXXX under my name and closed same year in XX/XX/XXXX I been out work since XX/XX/XXXX For Sickness. I dont have any credit card around the dates mention I made a police report. As I was told from National Credit Adjust

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2018-10-15
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A family member gave me 4 {$200.00} prepaid Visa card issued by US Bank. I try to use the card to make an online payment company and it failed. I try to use the card to pay for my car insurance and it also failed. For the past 3 week, I tried to login every few days to the online website XXXX per the instruction at the back of the card and always encountered an error message. The error message suggested I should call customer service to get the account balance. I called customer service last week and they gave me the balance and register my card to my address to enable online bill payment. This process took 20 minutes. The rep refer me back to the website to register card # 2-4 as she said US Bank only authorize her to register 1 card per phone call. I complaint about the site not working and she dismissed my comments and said other is saying the website is working. I tried to check my balance at the website again today and it still does not work. I called customer service again and after two minutes, a rep was able to give me my account balance and register 2 of the 3 remaining prepaid card. She would not register the 4th because she said US Bank only allow her to register 2 cards per phone call. I am past due on my utility bill and can not pay for my car insurance due to US bank 's website errors and restrictive customer service policy. US Bank sell prepaid cards to the underbanked population and deliberately put in obstacles for the average consumer to get access to their money. US Bank will charge a {$2.00} inactivity fee if the card carry a balance after 12 months. Due to the inability to use my prepaid card to pay my utility and car insurance billl, I have incurred a {$25.00} late payment charge and a {$32.00} NSF fee.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information. 

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report 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 2022-12-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On multiple occasions I have been victim of the false pre-approval advertisement emails by Credit Karma. I have used them for credit reporting for many years, and was surprised to find that they were falsely advertising to me. I have not complained as of yet, because I did not know that this was happening to other people. I thought it was just my account being messed up. Please let me know how I can submit a claim concerning this issue. 

Thank you and God bless you in your efforts. 

XXXX XXXX

Company response to consumer: Closed with explanation