BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: CORELOGIC INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported to Credco to investigate 2 hard inquiries on my XXXX  and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. Credco and I have fax and mailed numerous letters to remove credit inquiries ie Credco  ( XXXX XXXX ), Credco  ( XXXXXXXX XXXX XXXXXXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score

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 2020-05-11
Company: EQUIFAX, INC.
State: MI
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 have disputed XXXX XXXX XXXX  card for 2 yrs with XXXX, XXXX  and Equifax because I never had this card or requested a card from this company. Not only am I being forced to have this card on my credit report when its not mine and CHARGED OFF 25 TIMES, but also being FORCED to deal with the account furnishing inaccurate credit information. This account is charged off and closed. Charge off accounts are not to have PAST DUE balances, yet this account has a {$580.00} past due balance, 25 charge offs and last updated XXXX XXXX but really last updated Today from my current dispute notice. My next step is federal court to FRCA violation for inaccurately furnishing information, disregarding these disputes and knowingly continuing to report inaccurate information. The payment history is also incorrect. I NEVER had this credit card, especially starting in XXXX as the pay history indicates. This account is from XXXX. I now believe that this company is PURPOSELY continuing to report inaccurately to hurt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have opened up Citi Priority account with adequate fund ( {$51000.00} ) and have met all the requirements for bonus, but bonus amount is still not added. I have tried to reach out to the company and the fund were supposed to deposited this week, but the funds are not there.

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 2018-05-15
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted numerous notices to this organization requesting to see proof I opened this account or entered into this contract. They respond with recent payments, purchases, and balances that are not mine. 

I did not open this account nor contracted with this organization in any way. Yet they have extremely sensitive personal information of mine that I did not authorize them to attain. 

I do not recognize any of the purchases, payments or any statement information they provide. They claim I signed up for their credit card online, where I did not such thing as I have not had a credit card for 3 years now. 

This debt they claim is mine is not mine and they have yet to prove to the contrary, harassing me with notices irrelevant to me. 

This account/contract is void ab initio and must be cleared from my record immediately, and all my personal sensitive information must be removed from their database 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 explanation
Consumer complaint received 2020-11-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My identity has been stolen all accounts Inked to my SSN and name have been used and transferred to accounts in my name then to other account..i have not gave permission for any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On approximately XXXX EST, XX/XX/2020, I accessed Equifax 's My Equifax portal at https : //my.equifax.com/membercenter/ # /login to unfreeze my credit report. Upon logging in, filling out the form to unfreeze my credit report, and submitting the form, I was directed to a page stating that my request was unable to be completed, and to give them a call. 
I gave Equifax a call on the provided number, and used the automated self-service respondent to attempt a credit unfreeze. Upon completing all of the requests and providing all the necessary data, the self-service tool informed me that it too was unable to process my request to unfreeze my credit report, and directed me back to the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several bills from XXXX saying I owe {$1700.00} to Capital One Bank. The most recently dated XX/XX/20. 
This is a fraudulent claim. Years ago the same fraudulent claim was made, I researched it, disputed it and it was found to be fraudulent and therefore was dismissed. 
It has now resurfaced again. 
This company is committing fraud for demanding I pay money for a debt I did not incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2020, I sent an Annual Credit Report Request Form to get a report from Experian. I received a card in the mail saying that not enough information was sent. On XX/XX/2020, I sent another Annual Credit Report Request Form and included copies of my New York State Driver License, Credit Union Statement of Account, page 1 of personal umbrella policy, page 1 of electric bill, page 1 of Health Care Monthly Prescription Drug Summary, page 1 of automobile policy bill, page 1 of homeowners policy, page 1 of bank account statement, correspondence from XXXX regarding automobile loan, New York State insurance identification card for automobile, and page 1 of personal automobile policy. All documents showed either my street address, or Post Office Box, or both. All showed my name. And yet, I received another card in the mail stating that not enough documentation was provided in order for my request to be processed.

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 2018-05-15
Company: EQUIFAX, INC.
State: AL
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:
The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # s provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX   XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I called them to inform them that there are multiple inquiries that I do or recognize and they refuse to remove them without a police report and a complaint through you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Prosper Marketplace, Inc.
State: DC
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 have a late payment noted by Prosper on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account many times with no success. 
I sent XXXX letters on XX/XX/2018 I received a letter in the mail on XX/XX/2018 with a copy of a $ XXXX bill ( hippa violation? ) and absolutely nothing of VALIDATION. 
It is not validated and i can not get the company to properly validate? I expect the agency to follow federal law on debt verification and validation. WITHOUT SIGNATURE i am not going to be held responsible for a debt included in my identity theft report Without receiving proof that this debt was signed for and authorized by me than it needs to be removed, i have been a victim of identity theft and another person is being investigated for making charges in my name, if this is one of those cases, which it is and i am also proving by showing that the addresses on the bill do not match mine. 

I have attached my identity theft report with the Federal Trade Commission and will seek further action if necessary to remedy myself of this situation.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: AL
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:
The following companies placed unauthorized inquiries on my credit report. I submitted request to each of the credit bureaus to have them investigated, but they replied back advising that I should contact the companies directly. The phone numbers to each of these companies were listed on my credit report. I attempted to call each one of them and could not get through because I had to either have a credit card # or my social security # in order to get past the prompt. So, I am unable to reach them using the # s provided. 

I'm requesting that these unauthorized inquiries be investigated and removed from my credit report. 


XXXX/XXXX/XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX   XX/XX/XXXX Experian  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX I XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX XXXX   XX/XX/XXXX Experian XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2018-04-19
Company: Experian Information Solutions 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 is reporting an inaccurate late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I paid my account # XXXX XXXX with Home Depot. It should be updated as soonest possible with a XXXX balance.

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 2020-02-04
Company: EQUIFAX, INC.
State: FL
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 been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the equifax breach

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been trying to get my credit report fix for the 3 credit bureaus and all they seem to care is make me believe that they fix the problem at some point my accounts were gone, and everything was good till i cancel memberships ALL THEY CARE IS ABOUT MONEY, when im already dealing with identity theft from the XXXX  breach

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 2020-07-02
Company: Experian Information Solutions Inc.
State: MS
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 sent multiple credit dispute with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus mist abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.

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 2020-10-14
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to COVID19 and the fact my Gym Closed I called to cancel my membership which I was informed it would be cancelled. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Location was permanently closed. 

I received a collection letter today from First Credit Services and tried to explain the situation and was told even though the Gym was closed I still had to pay! This is fraud. I told them not to call me anymore and XXXX the Debt Collector got very aggressive and tried to tell me the Gym was open at the time I cancelled my membership which is not true. 

I would like this debt collection to cease and desist and for them to close it and not impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Mortgage is requesting that I sign a Mortgage Amendment in order to make a payment on the website. I have a choice as to whether I want to receive a paper statement. I choose to receive a paper statement and do not feel I need to sign a Mortgage Amendment in order to make a payment online. Any type of legal document such as this should be mailed and not placed on the payment site in a small box ( see attachment ). I feel that Ocwen is acting in an illegal capacity. You basically need to get a lawyer to discovery the underlying lies that this Mortgage Amendment is covering up and what it really means if you sign it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Upon my mother 's death, we learned that her estate included two pending settlement checks. We discussed this with her local branch of Chase Bank in XXXX, Indiana and they recommended a joint account that they would set up to receive funds. We deposited a settlement check into this account on XX/XX/2020 for {$4500.00}. When we checked on the account on XX/XX/XXXX via our Chase BANK app, the account was gone. Neither of us received any notification that there was any problem with our deposit. Numerous calls, all of which involved me repeating the same information, resulted in their " customer service '' asking us to visit a local Chase Bank branch to get it resolved. My brother did and brought the requested documentation. The " relationship banker '' at the XXXX XXXX, Indiana branch took the documentation and then said our case was referred to " the executive '' with no explanation of who or what that was. All calls to the branch went to voice mail and they did not respond to our emails. Calling the corporate number and repeating the story AGAIN to new representatives showed that the branch had not forwarded the required documentation. The representative gave me a number to fax the required documentation to, which I did. I have now had to call and repeat all this YET AGAIN to a lower level customer support person who really has no idea what they need. This is, without a doubt, the most inefficient customer service I have ever encountered. We have acted in good faith from the beginning and Chase Bank treats us as if we did something wrong. Hours on the phone have resulted in getting shuffled from one representative to another, wasting hours of my time. And they still have our deposit, made in good faith, in " holding ''.

Company response to consumer: Closed with explanation