BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made several phone calls and send several letters disputing inquiries that I did not authorize. For the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last letter I send they responded back on XXXX XXXX in which they ignored my letter. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a customer of Bank of America since 1982. I just realized they started charging me a fee on both my savings and checking account. The savings account is an account they made me sign up for over 10 years ago in order to benefit from another product they offered. There wasn't much money in the savings account but now it is negative. I have never hear of a " savings '' account in which you lose money. Then I realized they have been charging me XXXX a month fee for checking. This was something new. They said they changed my account, although I didn't ask them to change my account. The manager at customer service said I can put you in another checking account program that doesn't have fees. Why would I choose an account with fees when there is an account type with out? Remember I never asked to switch accounts in the first place. Bank of America is playing games with peoples money in an effort to increase revenue. This is not what I signed up for.

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 2020-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX I called Capitol One Auto finance. I asked them about the extra money I send monthly to be applied to the principal, so I can pay down the loan. I was told the extra money is applied to my next months payment to reduce the cost of the payment. 
I told him I clearly requested that they put the extra money on principal. I had no knowledge that they operated this way. They did without my knowledge or permission. I think this is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: AR Resources, Inc.
State: CA
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:
The account is not mine, I never had an account with this company and never own any monies to this account especially medical been that I always had insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Affiliate Asset Solutions, LLC
State: GA
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:
I received numerous calls from XXXX XXXX XXXX  by phone and via mail. In speaking with their representatives by phone I advised them to give me proof of the debt, specifically because I didn't recognize the creditor they represented. On XX/XX/XXXX and XX/XX/XXXX, I received two letters from this XXXX XXXX XXXX, enclosed are original bills from the XXXX providers who rendered services. The details included dates of services, XXXX XXXX, Description of service, the provider names and charges associated with the visits. 

On XX/XX/XXXX, I contacted XXXX again advising them I have received the communication that detailed my visits and provided explanations of the origin of these debts. 

XXXX advised me this debt has been sold to a third party, Pendrick Capital Partners II, LLC and they were working on their behalf to resolve the debt. 

This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from Pendrick Capital Partners II, LLC nor XXXX XXXX XXXX XXXX and have no contractual obligation to them. The billing details including XXXX codes and descriptions of services has been shared in violation of my rights. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. 

XXXX XXXX XXXX XXXX has a business affiliation with Pendrick Capital Partners II, LLC. I have a contractual agreement to pay for services rendered to the original provider, XXXX XXXX XXXX XXXX, XXXX not to XXXX XXXX XXXX XXXX or Pendrick Capital Partners II, LLC. This debt was sold by the original creditor to Pendrick Capital Partners II, LLC along with my health information. In order to collect the debt and validate it XXXX XXXX XXXX XXXX provided my Personal XXXX Information to Pendrick Capital Partners, LLC. Pendrick sent my XXXX XXXX information to XXXX XXXX XXXX XXXX via copy of the original invoice from XXXX XXXX XXXX XXXX, XXXX to prove the debt is valid. XXXX XXXX XXXX XXXX in turn forwarded the invoice directly to me enclosed with a letter responding to my inquiry on their letter head. At the time, Pendrick Capital Partners II, LLC obtained my service invoice it revealed my XXXX XXXX and visit description, my patient privacy rights were violated. As previously stated I have an obligation to XXXX XXXX XXXX XXXX, XXXX for services rendered, not a third party affiliate. Furthermore Pendrick Capital Partners II, LLC and XXXX XXXX XXXX, XXXX does not need my XXXX XXXX XXXX XXXX XXXX to validate the debt. This information should have been redacted. However my copy of invoices does not show a redacted or hidden XXXX code ( s ). This is a HIPAA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: OR
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:
Experian XXXX and XXXX are sharing my credit information without my signature persuant to 15 .u.s.c 1681a # 2n and 15 u.s.c 1692gb and engelhardt v.gravens

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 2017-03-01
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech processed payments incorrectly and did not rectify in a timely manner which resulted in my having to pay a lock extension fee when I went to refinance. All of this is explained in the attached letters. I have been extremely patient with Ditech. They have sent me several letters saying they are looking into the issue, but it has been over 4 months now. The loan has since been closed because I refinanced, but the issue and outtstanding resolution are straightforward.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After a dispute, XXXX XXXX XXXX verified incorrect information on my Experian Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on Experian. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my Experian showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my Experian report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.

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 2023-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX ) XXXX This account is showing incorrect on XXXX, XXXX and Experian . The amounts, date opened, date reported and remarks are all different. this is not consistent, accurate or complete information. This should have been resolved in 2021. With XXXX it is showing paid and closed with a {$0.00} balance. This is a violation. This also shows willful noncompliance with XXXX and Experian.

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 2017-03-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX ( dated XX/XX/XXXX ) I received a letter signed from XXXX ( of Chase bank ) in regards to my in regards to my initial letter disputing the credit inquiries on my XXXX & XXXX reports dated XX/XX/XXXX & XX/XX/XXXX respectively. She mentioned that this was a valid inquiry and stated that it occurred on XX/XX/XXXX. Not only did I not authorize or make any inquiry on XX/XX/XXXX or XX/XX/XXXX, but I did not make any on XX/XX/XXXX as XXXX specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX  has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.

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 2023-02-13
Company: DISCOVER BANK
State: OK
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:
In the summer of 2022 a dispute arose from fraudulent transactions on the account in which Discover had temporarily reversed. Discover also sent out a new card and there has been no issues of fraud since that time. On XX/XX/XXXX, I received a call from a Discover fraud investigator, asking a series of leading questions, lying in some circumstances and indicating what she was going to do. She was also trying to get me to admit that I myself actually made the purchases that had been claimed as fraud. I refused to admit such an absurdity. Furthermore, the next day, Discover had charged back the following transactions to my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Discover yet again, the Fraud Protection Unit then sent me out an Discover Affidavit to fill out and send back to them. I did so and they now refuse to honor their own affidavit they send out to their customer as the police refuse to investigate such a case.

Lastly, Discover has been very rude and aggressive on the phone, not helpful, and not willing to resolve the issue amicably. The result of the these chargebacks has put my account over the limit as well. I have continued to make the minimum monthly payment until I can get this issue resolved. Discover has refused to make any adjustments and blamed me for the charges. I do not have a copy of the affidavit as it was an original affidavit with the Discover letterhead on it. Discover has indicated to me that they in fact have received such document from me. ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Caliber Home Loans, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : On or around XX/XX/XXXX, just after the 24 month seasoning requirement was fulfilled, I called in to Caliber Home Loans to begin the process to remove PMI on my mortgage based upon appreciation and substantial improvements. This call set in motion what could only be considered a series of delay tactics to prevent a homeowner from exercising their rights under the Homeowners Protection Act of 1998. 

When the paperwork was finally received in late XXXX to authorize and fund a BPO showing the increase in value, it was accurately filled out, and promptly returned with full payment on XX/XX/XXXX. As indicated on the attached documentation sent by Caliber, the cost of the BPO was {$150.00} which was remitted. 

On XX/XX/XXXX, I received a follow-on letter ( also attached ) from Caliber, stating the BPO was not ordered because I failed to include the proper payment. The cost was changed and is now listed in the new letter as {$190.00}. This is not only improper in that their previous correspondence clearly states a differing cost, but this is causing unreasonable delay during which they are continuing to profit from their failure to follow guidelines as outlined in the Homeowners Protection Act of 1998. 

I request that Caliber Home Loans take immediate action to resolve this issue by providing the BPO at the price initially quoted and paid for, and that upon verification of qualifying LTV, the PMI be retroactively credited to my account based upon the date of initial phone request of PMI removal. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-09-22
Company: Experian Information Solutions Inc.
State: VA
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF 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 explanation
Consumer complaint received 2020-09-22
Company: Granite Edvance Corporation
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 status incorrect

Complaint:
The company inaccurately reported delinquencies in XXXX, XXXX, XXXX, XXXX of 2017 while I was under Forbearance. Requested forbearance with customer service representative. They also report account as previously 180 days late which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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: Information belongs to someone else

Complaint:
I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: SC
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.

Company response to consumer: Closed with explanation