BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-16
Company: DCN Holdings Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A month or two ago, I started getting letters from a company ( XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ) telling me that they were trying to collect a {$74.00} debt owed to " XXXX XXXX XXXX XXXX XXXX '' and that I better pay or they were going to make reports to credit bureaus. I wrote them back, telling them that I don't owe any amount to, and have never done business with, XXXX XXXX. A web search told me that this electric company is in Massachusetts ; I do not even live in Massachusetts and have certainly never done business with XXXX XXXX. XXXX XXXX just keeps sending letters. Maybe they are trying to scam lots of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX it was capital one USA bank this was already took. Care of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX, XXXX, & EXPERIAN has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, XXXX, & EXPERIAN has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, XXXX, & EXPERIAN failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

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 2021-06-10
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XX/XX/2019, I requested a full file disclosure from LexisNexis. I looked over the report and noted inaccurate information in my credit file reporting pertaining to a bankruptcy. I disputed the information with the credit reporting on several occasions in writing via US Mail. I called LexisNexis last week due to repeat response " we do not have sufficient data matching your request '' I called the company. I spoke to the rep who informed me that due to my file being frozen they could not initiate a dispute and that is why I received the letters. I asked her if it was right to dispute via written and she stated yes. She acknowledged that a dispute should have been completed but was not because my file was frozen. She told me when the file is frozen she can not access any information. She told me send my drivers license so she can authenticate my identity and then she will be able to access my consumer file. After uploading my driver 's license to verify my identity, the representative state that she could complete a dispute if there was a bankruptcy on my credit file. She told me that she did not see a bankruptcy in my credit file and would send me a report in the mail. I received a report in the mail today and it did appear be a full file disclosure. It did not obtain the XXXX XXXX XXXX XXXX Report. What I received today did not include any data of what LexisNexis is reporting in my file including the XXXX Consumer Disclosure Report. 

I believe my rights are being violated and LexisNexis is refusing to provide me with a full file disclosure. I wrote LexisNexis and told them I was disputing the bankruptcy as it is tied to a social security number that belongs to another individual. I am aware of this only because the individuals full Social Security Number is listed in the bankruptcy data. I made LexisNexis aware of this in my written dispute and several times and asking why social security numbers and public record data that belongs to another individual is listed in my consumer file. I also raised the question if my social security number and other personal information is listed in someone else 's consumer file. Thus exposing all parties to identity theft. A data breach was not necessary as LexisNexis provided me the social security number along with a name for the individual listed in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
Between mid-XX/XX/XXXX through mid-XX/XX/XXXX, someone made purchases through my XXXX account for a game made by " XXXX XXXX ''. I noticed due to the high card balance and I reported it to Chase on XX/XX/XXXX and put a claim into XXXX. XXXX refunded a weeks worth of charges. I attempted to contact XXXX, but there was no direct communication I could find on the web other then form ( would need to submit over 200 forms and their site does not mark which one have been submitted ) Chase did a Fraud investigation however since it was my XXXX account, they cant count it as fraud. Chase then submitted it as a dispute. The dispute lasted 2 months and I followed their instructions, including contacting XXXX and the merchant of the game through a number Chase provided me. Ultimately, XXXX advised me I need to contact the merchant. I was bounced back and forth multiple-times saying if I want a refund, contact the other person ( see the recent email chain attached ). Chase informed they cant do anything as it was digital product, to much time has pass ( even though I filed it within 2 billing cycles ) and  XXXX claims the money is already with the merchant, who does not reply to my request for refunds anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX XXXX XXXX SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES 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 2020-06-23
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXX XXXX {$320.00} XXXX  XXXX {$490.00} XXXX  XXXX {$5500.00} XXXX XXXX {$700.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient calls me day and night, almost every 15 minutes. They not only harass me but my father as well who co-signed the loan. I am currently enrolled in XXXX   school full-time, and my loans were in deferment. I have 2 years left of education before I even begin to make a salary of any kind. I have blocked their phone calls, but they call from a new number every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage after losing my job because of my sons XXXX. I tried in XXXX, XXXX, and XXXX to get a modification however Freedom Mortgage has denied this request after providing proof on my income. They have told lies about the process and even sent a letter stating the sale was postponed but then filed nothing with the court.

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 2018-10-26
Company: EQUIFAX, INC.
State: IN
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:
The credit bureau 's continue to report a repossession on my credit after I have disputed it several times.. I continued to let them know the debt does not belong to me. This has been disputed every month since of XX/XX/2018and lastly disputed on XX/XX/2018 ... Also the continue to report wring names and addresses I've never lived at. I've sent in numerous of copies of my drivers license and a copy of my social security card along with copies of my bills to verify my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TD BANK US HOLDING COMPANY
State: MD
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:
After paying for nearly three years, I got an email from XXXX that would not tell me my balance and minimum. I assumed that it was fake email but when I called the help line the first excuse was a dispute with my previous address and now the line they are telling that I was going to transfer my address, both which is untrue. All I want is to restore my normal email from XXXX explaining me my balance each month. I hoped to pay them off, they have no attempt to resolve the problem or to recognize the problem lies with them. How can pay off a debt if can not be informed of my balance. When I even asked for my balance I had to beg for the information. I filed a complaint with the XXXX XXXX and refused to response. Like I said every attempt to resolve end up a different story each time. I even pay too much to run a report from my bank XXXX to prove that I pay each month on time the minimum amount each time. They seemed to ignore and discredit my problem. No attempt to resolve this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: WI
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 contacted XXXX Equifax and XXXX to obtain free annual credit reports in addition I have received the reports from XXXX  and from XXXX but I have not received my Equifax report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have using XXXX XXXX to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to XXXX 's. Lenders are not interested in helping me get pre-qualified now. 

An XXXX representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report. 

XXXX  cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

Transunion shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.

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 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted TransUnion XXXX and XXXX to obtain free annual credit reports in addition I have received the reports from transunion and from XXXX   but I have not received my XXXX report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business 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 2018-10-26
Company: E-Backgroundchecks.com, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Background check revealed 3 felonies in XXXX XXXX XXXX, MO. Screen was for a DOB XXXX - XXXX. Therefore, any individual with my name could report as a felon for ANY birthday ever.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: ND
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 a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017

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 2020-06-23
Company: TD BANK US HOLDING COMPANY
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:
To Whom it May Concern, On XX/XX/2020 my TD Bank checking account was comprised and there were combined fraudulent purchases in the amount of {$260.00}. In addition, these fraudulent charges caused my account to be charged 3 overdraft fees in the combined amount of {$100.00}. Upon realizing the charges and penalties on XX/XX/2020, I immediately contacted TD Bank for assistance ( all charges were still pending ). Customer Service insisted I couldn't take any action until the charges were fully processed. Therefore, I had to wait until XX/XX/2020 and XX/XX/2020 to summit formal claims. TD Bank did an " investigation '' and concluded only 2 of the 3 charges were fraud and only reimbursed me {$100.00} for 2 false purchases and {$35.00} for 1 overdraft fee. This conclusion is nonsensical because all of the charges took place at the same time so to conclude that only part of it is fraud doesn't hold up to critical thinking. After multiple phone calls and holding for a combined wait-time of over an hour their customer service has informed me there is nothing more they can do aside from reopen the dispute. I reopened the dispute on XX/XX/2020 and did not hear a single thing so reopened it again on XX/XX/2020. 
I'm hoping someone can help correct this situation so future customers are not robbed by TD Bank. I am still due {$160.00} from a fraudulent purchase and {$70.00} from two overdraft fees. There is a global pandemic and financial crisis occurring due to COVID 19 and I am struggling to get by. This bank, which charges me a monthly maintenance fee, was not able to provide sufficient help when my account was compromised during this trying time. This is how TD Bank treats a customer of 10 years that was hacked during economically challenging times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-25
Company: JPMORGAN CHASE & CO.
State: IL
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 paid my mortgage on time all this year and when I tried to apply for a mortgage, I found o ut Chase reported that I was late 3 times this year. I contacted them and was asked to send a bank statement showing that the money left my account and was paid to Chase. I did just that and a few days later, they sent me a letter stating that they closed the case b ecause they believe the payments never got to them even with my bank statements clearly showing the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: American Coradius International LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A letter was sent on XX/XX/2019 from American Coradius International stating I owed {$1000.00} to XXXX XXXX. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.

Company response to consumer: Closed with explanation