BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: CT
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 a bunch of hard hits on my credit that I have no clue How they got there or gave permission

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 2018-06-05
Company: Experian Information Solutions Inc.
State: MD
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 previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. Experian has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. XXXX and XXXX has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High  Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: AL
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 submitted a notarized affidavit to Experian stating that the 15 accounts they had listed under my profile that were showing a 90-day late payment were invalid and I wanted to have the accounts updated. They wrote back stating the accounts were verified. I sent them my credit report from their direct site showing how my account payment status shows the accounts were on time and then one month they just show a 90-day late payment. This is against the FCRA and they are reporting inaccurate information to my credit profile. These accounts were never late and it's impossible for an account to have a positive status for one month and the next month be 90-days late. I told Experian in my dispute that I wanted a live person to review this case and that I did not consent to e-Oscar or any automated verification processes. They ignored my request and they still utilized automated verification processes. I asked them to send me the verified information they had showing the accounts were reporting accurately. They ignored this request as well. I'm filing this complaint as the company has violated FCRA 611 Subsection 7 : Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They violated FCRA 611 Subsection 5 ( A ) : In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Experian can not verify information that is clearly inaccurate. A person can not have a full payment history of on-time payments and then the very next month have 90-days late. Experian 's automated system is missing important facts about this dispute and it's causing me damages. If this matter is not resolved I will be filing a small claims suit for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2012 with an amount of {$39000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: ALLY FINANCIAL INC.
State: AL
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:
Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my XXXX credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$760.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX {$470.00} ), XXXX XXXX  ( XXXX XXXX. XXXX, XXXX, Credit limit {$500.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
someone broke into my truck an stole my back pack with my laptop wallet and all my 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 explanation
Consumer complaint received 2017-07-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/17 I spoke with several reps within the company in told me several different stories, I was desperate to get the report off my credit & ERC advised me in XXXX that I would have to pay to have it removed. I sent a letter requesting if I paid the debt I was n't admitting I owned the debt but that I wanted it removed quickly. When I called today I was advised the fraudulent charges would not be removed and that even if I made payment they would still report on my credit profile. I was then referred to the Office of Presidency and was told to request for my letter of deletion. I spoke with, XXXX XXXX - supervisor and Rep XXXX XXXX. When I called this department I was sent to a voicemail. I then called ERC back and spoke with XXXX washington - he advised me that the account was in fraud status and that they were not going to delete the account. When I asked him what the department of presidency did he placed me on hold without any notification and XXXX XXXX - supervisor said the account when into dispute in XXXX of 2017 and as of XXXX/XXXX/2017 the account was placed in fraud status and the department of presidency would be able to advise me when the account would be deleted. This company is reporting inaccurate information on my credit profile with out any real proof of me ever owing the debt.
Below I attached information sent, they do n't even have the correct information providing proof the debt is mine and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency under the name XXXX XXXX APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I DO NOT own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION AS CONTRACT OR AGREEMENT BETWEEN ME AND THEM. ( PREVIOUS CLIAM NUMBER XXXX ) EXPERIAN, XXXX AND XXXX ARE GOOD AWARE OF THIS ILLEGAL PRACTICE FROM THIS KIND OF COMPANIES AND THEY ARE STILL ALLOWING THIS KIND OF COMPANIES TO PUT ERRONEOUS INFORMATION ON MY CREDIT REPORT WITH OUT ANY VALID DOCUMENTATIONS I REQUEST THAT CREDIT TOLL BE REMOVE IMMEDIATELY FROM MY CREDIT REPORT, THAT THEY SEND ME ANY SIGNED DOCUMENTATION AS A CONTRACT OR AGREEMENT BETWEEN ME AND THEM AND THAT THEY SEND ME IMMEDIATELY THE RECIPE THAT SHOWS FOR HOW MUCH THE BOUGH THIS ACCOUNT FROM XXXX OR XXXX XXXX .... XXXX  XXXX IS USING XXXX HAVE ALL MY PERSONAL AND CONFIDENTIAL INFORMATION WITH OUT MY CONSENT IF IN 5 BUSINESS DAY THIS ACCOUNT IS STILL ON MY CREDIT REPORT I WILL FILE A LAWSUIT IN MY SMALL CLAIM COURT DISTRICT AGAINST CREDIT COLL AND ALL THE REPORTING AGENCIES

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 2021-09-15
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I served Discover with a cease and desist pursuant 15 usc 1692c ( c ) which I will have attached to this complaint, along with an affidavit of truth stating how they been violating my federal rights under 15 usc1692c. As a consumer and a natural person i have the right to refuse to pay for the alleged debt. Discover received the certified mail on XX/XX/2021 at XXXX. They completely ignored what I send which is another violation by sending me a post card with the intentions of continue to collect the alleged debt. Prior to sending the certified mail with the affidavit of truth and cease and desist I was receiving multiple calls at inconvenience times and without my authorization, receiving emails, and letters with the attempt to collect a debt. I requested proof of validation through the CRA 's which they never provided to me. I attached a request for validation and invoice for {$39000.00} with a few of the exhibits and proof collected by me letting them know that I am invoking my remedy as a consumer and the original creditor pursuant 15 usc 1692c ( c ) ( 2 ). all of this will be
attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I 'm a XXXX XXXX at the XXXX XXXX of XXXX XXXX. I also play XXXX for the college, while trying to work two jobs and help my mother out at home with my little brother. I do n't make a lot of money so I pay what I can when I can. I normally always pay the minimum payment and sometimes I pay more when I can. I missed my XXXX 2017 payment once and It seem to be effecting my credit score. I 've payed consistently for months. I 've asked from a XXXX and got denied. I 've been trying to rebuild my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Capitalone360 bank wrongfully accused me of a fraud transaction and closed my account even with money still in there. I sold a XXXX Note XXXX on XX/XX/2021 on XXXX XXXX. I met with the buyer, they were a boyfriend and girlfriend, or could be any kind of other relationship. It was the man I chatted with, and it was the woman 's XXXX that sent me money. I received {$340.00} from the buyer via XXXX transfer. 

On XX/XX/XXXX the bank called me saying that this person reported me fraud. I told the bank that I sold this person a smartphone. Everything is fair and square, and not a fraud. I told them I will email the evidence if they don't believe me. The bank left me an email : XXXX. I sent all screenshots of our chat. They have yet to reply me after I sent all the evidence to me. By this time it was XX/XX/XXXX. I checked my bank account and it was already closed! Why is the bank so ignorant? Why they believe the liars over the real innocent person!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: MO
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:
Experian and XXXX are reporting incorrectly a past due of {$730.00} on the XXXX  XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) It was stated to me that the XXXX procedure I had agreed too would not exceed {$900.00}. I paid the balance in full, and therefore there is no outstanding balance due and nothing to report as past due. This incorrect reporting of a past due on my credit report is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Movement Mortgage LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On or about XX/XX/2022 a mortgage lender did a hard inquiry on my credit score. I was applying for a loan. For the past 2 weeks I have yet to hear back from the lender I was going to work with. I am wondering if I can remove the credit inquiry that was recently submitted on behalf of Movement Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Alliance Collection Agencies placed a Collection account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of 20 or more points for some money that is not even owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: VA
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:
1.What recourse does CFPB have against Equifax for its highly publicized data breach announced XXXX XXXX, XXXX? 

2. What requirements are upon banks to ensure their vendors such as Equifax, XXXX, XXXX have to enure against data breaches. I know there are some but how did the US ' XXXX banks not have sufficient influence over this data breach at Equifax. 

3.How do I join in a class action suit against Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: PROVIDENT FUNDING ASSOCIATES
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX/XXXX/XXXX I received a loan application rejection notice from Provident Funding Associates ( PFA ), XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. The loan was requested for {$110000.00} though the house was appraised at {$160000.00}. My credit score was reported at XXXX. 

I was rejected due to roof conditions of the house as the only reason although a roofer repaired minor work to the roof for {$6500.00}. The repairs were paid for from my available cash funds though the licensed roofer 's report and the appraisal report said these repairs were minor and could wait. I had proposed an escrow arrangement with PFA as this HUD home purchase would not allow any work before closing, but PFA rejected that too. I would have waited to fix the roof as it was not necessary at this time, but did fix the roof after closing with a new lender. 

I pursued and obtained a loan through another company and was approved though repair of the roof was not a pre-condition.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I am making a complaint against chime. I have been trying to get a card from them for about 6 months now and have not received one yet. I have called them 6 times and everytime I have called they offered to send another card. I have provided them with my correct address and this last time they want additional proof that this is my address. I don't have any more proof to give them. I am fed up with trying to get a card from them and now they want more proof. What more proof do I need? This is my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
Santander Consumer USA is reporting incorrectly to XXXX  ; XXXX  and XXXX a charge-off on the SANTANDER CONSUMER USA account number XXXX. ( Please see page attached from my credit report. ) Santander misappropriated a payment that caused the late unnecessarily. By not correctly applying my payment, this error has started a chain of events that is seriously harming my credit score. This account is currently reporting as a charge-off. I have the vehicle and I make the payments on time. This account needs to be updated to report accurate information and/or deleted. I have contacted Santander as well as the ( 3 ) credit bureaus to resolve this incorrect reporting however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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: Information belongs to someone else

Complaint:
This is my 4time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCPA. 
federal Fair Debt Collection Practices Act ( FDCPA ) As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed from my credit report permanently

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 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Said I could n't cash out due to insuficant funds then my bank charged me over draft fees shortly after on XXXX XXXX, 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 monetary relief