BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: Bridgecrest Acceptance Corporation
State: CO
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 and Bridgecrest several times keep violating my consumer rights I never received goods or services from this company. I have told both Bridgecrest and XXXX several times that this has to do with identity theft. They have lied several times telling me they have never received my driver 's license or any of my supporting documents. Attached are my driver 's license, social security number, FTC Identity theft report, and as well as police report. This is considered willful noncompliance, discrimination, and false information because, both Bridgecrest and XXXX state that they have never received documentation from XXXX, XXXX Please refer to the attached documents and remove the following account from the credit report because this account can not be validated. The reason it can not be validated is that it was a result of identity theft my information was stolen and not used for the benefit of the owner. So, how can this information be valid if, it was stolen and misused for illegal purposes? Also, this account was opened in another state XXXX, FL and I do not have a record of living in this state my driver 's license is from Colorado, not FL ..... 


This is proof that both company 's credit bureau and the financial institution received all documents as requested. They are both required by law and respect my consumer rights these are the damages below that both companies are doing are stated such as : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again an affidavit identity report isnt needed in the process for identity theft block and removal.

7 ) violation of 15 U.S.C. 1692g Validation of debts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, 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:
These unauthorized inquiries and its affecting my credit report and sould be removed XXXX date of inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I placed a call to Equifax. I explained to the representative that I was challenging everything being reported on my consumer credit report and that I was not asking for verification or validation. I explained to the representative that I had previously disputed this information to no avail and that I was not provided all 5 things pursuant to federal law 15USC1692G, once validation is requested. As the original creditor, I do not validate the debts of the accounts being furnished. I stated to the representative that I was commanding immediate and permanent deletion of all negative accounts being furnished and that Equifax immediately and permanently stop reporting all negative accounts being furnished and to cease and desist any further communication with myself and any 3rd party debt collector for all purposes. I also explained to the representative that because of these invalidated alleged debts being shown, my XXXX children and me lives has been impeded and impacted and we have missed out on so many opportunities due to these accounts being furnished. I also stated to the representative that I have studied to show myself approved and I will use every legal mean to enforce my consumer rights under the FCRA. I never gave agencies permission to report anything to the credit reporting agency and I never gave Equifax consent pursuant to federal law 15USC1681b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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'VE CONTACTED THESE COMPANIES IN REGARDS TO RANDOM ACCOUNTS THAT APPEAR ON MY REPORT. I'VE CONTACTED THEM AND HAVEN'T HEARD ANYBODY BACK IN WELL OVER 30 DAYS.

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 2021-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have attempted to file a dispute from a company that is refusing to let me use a service for a travel package that previously bought. The reason chase said that chase stayed was the train was due to timing. That means Im being penalized because the United state postal service is taking long to deliver mail which is unfair. They refuse to submit a new claim on the charge over the phone. The original charge was XX/XX/XXXX the dispute happened after I tried to reach out to the merchant in XX/XX/XXXX. They didnt receive my mail until XX/XX/XXXX when it was supposed to have reached there by XX/XX/XXXX even though I sent it before that date. The amount is XXXX. I literally sent them the email that states that Im not eligible for the resorts from the merchantbut they say thats not enough documentation the company isnt even in existinance anymore it was bought and its a different company that has different rules which further shows that I cant even get what I originally bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: SC
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:
There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXX XXXX : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank made some deposits totaling about {$300.00} into my account. These were done by mistake. So they alerted me about 2 weeks later that {$500.00} some odd dollars would be withdrawn from my account, which it was. I understand the {$300.00} going back to them but the {$200.00} that they took is MY money. Ive been fighting this for 3 weeks now. Ive made numerous phone calls, spoken with at least 6 people, have been hung up on 3 times. My car insurance will be cancelled tomorrow because Chase wont send my {$200.00} back. Please help. I dont know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Miscellaneous information reporting by XXXX XXXX Bank. 

I spoke to several representatives at XXXX XXXX Bank and they stated they are not reporting any information, yet there is negative information reporting on my account. 

They stated they do not have any information expect from an account in XX/XX/XXXX. All representatives stated they are not reporting and no longer even have access to the old account. 

However, on my credit reports, a miscellaneous XX/XX/XXXX and XX/XX/XXXX show XXXX XXXX Bank XXXX reporting late on payments. 

I do not have an account with XXXX XXXX Bank XXXX and they admit I do not have an account with them but will not remove the inaccurate reporting. 

People I spoke with at XXXX XXXX Bank XXXX, XXXX ID # XXXX ; XXXX ID # XXXX ; XXXX ID # XXXX ; others refused to provide names or ID numbers. 

All XXXX XXXX Bank customer service representatives stated XXXX XXXX Bank XXXX is NOT reporting to the credit agencies, but refuse to address the issues where someone from XXXX XXXX Bank XXXX is clearing reporting incorrect information.

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 2023-03-07
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX and Complaint against Caliber Home Loans XXXX Inc. and XXXX XXXX XXXX I demand XXXX XXXX XXXX Caliber Home Loans , Inc and XXXX XXXX XXXX to disclose who was the OWNER of the account receivable where my money were deposited between XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an unsolicited debit card from Netspend all-access on XX/XX/23. When I call the number listed on the card ( XXXX ) or the number listed on the terms and agreement ( XXXX ), it makes me try and activate my card. Due to the fact that I did not request the card, I do not want to proceed with the activation process. When I ask for an operator or hit zero ( " 0 '' ) I get disconnected. The terms and agreement list the CFPB as the next step if there are issues.

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 2021-03-31
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in XX/XX/2021 I was approved for a business loan for {$17000.00} from XXXX  XXXX that was placed in my personal account because around the time I applied for the loan I wasn't able to gain access to my business account due to covid protocols. Once I got my business account debit card back activated with XXXX XXXX XXXX I was transferring my funds from my personal capital one account into my business account to pay my manufacturers for several orders. Before I opened my business account I did all transactions through my personal account and me and my fianc 's XXXX XXXX. When I tried to gain access to the funds Capital One questioned me about where the money came from, in which I told them. They then froze my account and told me that it was under investigation and that I needed to provide documentation and my EIN number supporting my business, in which I did that also. They then told me they would be in touch and never contacted me after I made several attempts to contact them. My loan wasn't through Capital One so I can't understand my I am being taken through these actions by someone other than my lender. I went through a very extensive process to be approved for my loan. why am I being asked to present the same documentation. XXXX has no say so in my approval process. I was already granted that by XXXX XXXX XXXX. No other persons I know with other banks have went through what im going through. obviously all my documents was satisfying to the XXXX XXXX XXXX  and government to grant me the loan in the first place. They shouldn't be able to make their own judgments on my personal loans through a 3rd party. They're only job is to hold and secure all my funds. I have a legit business and should be able to receive the rest of the funds from the loan I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I re-financed my home in XX/XX/XXXX, and the loan has apparently been sold or transferred at least twice since. In XX/XX/XXXX, I prepaid my property taxes due in XX/XX/XXXX for federal income tax purposes. Based on instructions received from the broker who arranged the refinance and representatives of the first company that issued the refinance loan, I did not make escrow payments with the mortgage payment for 3 months. The amount of the property taxes was {$2500.00}. The monthly escrow payment is {$470.00}, indicating that a total of {$1400.00} for the 3 month period and, as a result, the escrow still has a surplus. 
I have been receiving past due notices and phone calls regarding this amount. I called the company to resolve the issue in XX/XX/XXXX. The customer service representative was unable to assist me and I asked to speak to a supervisor. The supervisor indicated that an analysis of the escrow account would be done and they would get back to me within 2 to 3 weeks but that has not been the case. I did, however, continue to receive past due notices and phone calls. I called again in XX/XX/XXXX andf was again told an analysis would be done but that has not been the case. The phone calls and past due notices continue. 
I called the company today and, when the customer service representative was unable to help me, I asked to speak to a manager or supervisor. I was put on hold for over 15 minutes before I hung up. 
I am concerned that this will adversely affect my credit despite the fact that I am up to date on my mortgage and have a surplus in my escrow asccount.

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 2021-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: FEDChex Recovery, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I was contacted by FCR SERVICES at the phone number of XXXX. They told me to contact that number or go to XXXX. I input my zip code last name phone number and email to locate my account as I was unsure of the debt. I have a feeling that this is a scam as I checked on XXXX XXXX and no debt was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX. ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 2023-03-06
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, Federal Student Loan ( Department of Education XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2021-11-27
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid 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 had a td cash credit card with a rewards amount of XXXX points. the card was closed without my knowledge at the end of XXXX of XXXX i was never told that my card was closed even though i spoke with them multiple times about issues with my account as well as getting bill statements well after it was closed. i was also not told the reward points would expire after 60 days of card closing. i earned those reward points and what they should have done was send a check in place of the rewards instead of just ending them without so much as a phone call or email

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-29
Company: GOLDMAN SACHS BANK USA
State: VA
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:
This is an issue with the Goldman Sachs Apple Card. They are charging me for two monthly installment purchases I put on the card, when they should only be charging for one. These two installments are tied to two XXXX purchases I made. The first XXXX was returned in mid-XX/XX/XXXXXXXX ( Apple confirmed return receipt ), yet I'm still being charged for it along with the second XXXX I purchased. I contacted them on XX/XX/1920 via chat and got bounced around from Goldman to Apple multiple times so I finally called Goldman Sachs. When I explained the situation they said they were submitting a " case '' but could not provide a case number. Two weeks have passed and now I'm about to get charged again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XXXX XXXX I sent a certified letter to XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, To dispute all negative information off my credit report I also sent items verifying my identity I also sent items such as a police report theft affidavit etc to Dispute and Remove all inquiries Negative item etc Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation Im in the process of suing the credit agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now Im sueing

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