BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
MyfirstcomplaintisthatExperiankeepspostinganincorrectaddress.Thereisnothingontheircomplaintsitetoaddressthis.TheyhaveacorrectaddressbutincorrectUnitnumber.

MysecondcomplaintisthatExperiankeepsyo-yoingmycreditscorefromXXXX+downtoabout790.Ihaveneverhadalatecharge,havealwayspaidmybillsinfull,haveafairlyminimumusageofcredit,etc.Iamthesameperson,payingthesamebills.Thishasbecomeridiculous.

Additionally,Experianistakingadvantageoftheirbreachand"freecreditmonitoring''toconstantlytryandsellmecreditcardsandotherservices.Itisinappropriateandannoying.

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 2023-03-04
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The Account : XXXX XXXX XXXX with a Balance : {$5000.00} ; is showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I put a credit alert/freeze on my credit report due to fraudulent creation of a credit card by XXXX XXXX XXXX XXXX XXXX under the umbrella of XXXX XXXX. Due to XXXX 's unethical behavior, I sought to replace multiple XXXX cards with different credit card companies. One of the companies I applied to was Chase. Without explanation, and without any specific information on the alleged credit information used to deny access, Chase claimed they could not verify personal information. I never received a phone call, and in attempting to speak to them, calling directly from my home, got the runaround. 

I have perfect credit, and therefore, should not be denied without basis. It is my understanding, that by law, the credit card was provide the exact reason for denial, particularly if it was based on the credit report. 

This did not happen. Thus, I am denied credit with a perfect credit rating, simply because I put a credit alert on my credit report. This could have been cleared up with a phone call which was never made. Reference # on the correspondence is XXXX. Chase Card Services, XXXX XXXX XXXX, XXXX, DE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX ). A credit report inquiry by XXXX revealed one derogatory line on my credit report ( Item 29 XXXX  : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
Transmission went out on car. American car center deemed unrepairable and towed the car away from XXXX XXXX in XXXX fl on XXXX XXXX. They then gave me the address in XXXX where the vehicle was taken, and gave me all my personal items and the tag off the car. Never provided any documents saying they took the car back and for some reason this unprofessional company that supposedly took over there payments have no record. It is not my job to find a car they lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 been disputing this fraud for years and it has been extremely damaging and hurtful. Someone opened a Capital One Credit Card account in my name charged XXXX dollars ' worth of items and never paid the bill. Because companies can not keep my information safe, I have been a victim of multiple breeches, and other identity violations. I have suffered, denial of credit, increased cost of credit paying 159 % interest for a small personal loan, lost opportunity to obtain credit, and failure to receive unsolicited offers. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. recipients on the credit report show who has received it ; damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, nausea, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in direct violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092 ; and 15 USC 1692g , 1692c, and 1692j. Please remove this off all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are numerous inquiries on my file that I do not recognize nor have I applied for credit with those companies. I reached out to the credit reporting company to oy be ignored.

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 2017-09-09
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: Was not notified of investigation status or results

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-04-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax and XXXX both have been erroneously reporting my XXXX FicoScore as XXXX. The same low figure Equifax assigned to my account with them. Unfortunately I have been paying these two companies Equifax {$4.00}, XXXX {$12.00}. I have stopped the one with Equifax. I have contacted both these companies, explaining the fact that my XXXX SCORE IS XXXX thats a difference of XXXX points. These two if asked by a lender would provide false information regarding my credit worthiness to them. My XXXX XXXX score has been in existence for a while and therefore available to these companies that are collecting a fee for providing bad information on behalf of the Consumer, to prospective lenders, is criminal in my opinion. Amazingly enough, they both have the correct figure of XXXX for my XXXX Score. I dont know where they get their Infomation from, or even if they are working together. Its just something I find strange.

Equifax Score is always the LOWEST score of the 3 reporting Agencies scores as Ive found. My Husbands, my XXXX Equifax scores are too the lowest of the 3. Im just surprise of their attempt to bring down my high XXXX XXXX down to their LOW XXXX level. Im terminating ScoreSense because they provide bad Infomation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX I was XXXX  and XXXX. Besides my wallet containing my I.D, XXXX, XXXX card and money my IPhone was stolen and XXXX ID compromised. The robbers has access to all my personal files including my social security number, dob, financial files, etc. This is how they were able to transfer money from my bank account to XXXX XXXX and open and access a variety of loans and credit cards. Ive contacted Affirm to XXXX and theyve neglected to close the fraudulent account and impeded the fraudulent transactions. They have failed to contact the XXXX XXXX. Because of them my credit score dropped. When I initially contacted them the charges were {$420.00}. I have two detectives from the New York XXXX XXXX that can verify the incident from surveillance. Detective XXXX and XXXX XXXX. My complaint number is XXXX XXXX XXXX XXXX. FTC complaint number is XXXX. Please assist me with closing the account and reporting these fraudulent activities. I never authorized XXXX  charges on XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
By mistake, I paid property taxes. Mortgage company paid them as well out of escrow. The contact numbers I used are : XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX a complaint was filed for fraudulent use of my checking account for non Chase atm fees for {$310.00}. Chase failed to notify of additional information needed I called XXXX at XXXX est and was disconnected during a transfer to claims I called back at XXXX est I asked for a supervisor the female XXXX in XXXX denied a supervisor disconnected the call in my face, told me to get a supeona and police report to prove I did not complete the transaction talking over me I had to ask her to be quiet. In the conversation told me a letter was sent XX/XX/XXXX well really smart of Chase to send something via mail no call no email during a active declared state of emergency when no mail was being delivered and I have yet to receive. She was the rudest person Ive ever dealt within a already stressful matter. I begin to raise my voice and become angry and asked if Chase recent drug bust have anything to do with this dishonest act of lack of communication putting my acct in the negative I called back only to get total different information that the decision was final and nothing I can do to overturned the decision. 

This entire situation has been completely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Marlette Funding, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan based upon a pre-approval offer on XXXX from BestEgg online marketplace. I was advised I was approved pending verification of my identity. I submitted a true and legal copy of my California Drivers License, which in fact was approved and verified by the representative on the phone. ( Of which I spent XXXX minutes with ) I was told the information was fine and that a final review would be done and loan processed. Within minutes I received a decline letter stating that I was declined due to not being able to verify my identity and information was from XXXX. I immediately contacted XXXX and advised them of the circumstances. I was told that that was not the case and that companies like BestEgg just throw in wording on their decline letters and then refer customers to XXXX. 

I attempted to contact BestEgg Verification department to get more info. I've been sitting on hold for almost XXXX hours now waiting for someone to get me more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: ARS National Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX bank agreed to close my account in 2019 and refund me for my XXXX after making the balance XXXX on my credit card. They kept it open. And never send me a check for reimbursement. They are now trying to Give my debt to a debt collector. I agree to none of this debt and they still have my {$200.00}. I had 2 reversed payments and they closed my account but all along kept it open and it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello My names is XXXX XXXX, I moved out of the rented apartment since XX/XX/2023 and paid all my rent on time. But i received a letter in XXXX from XXXX XXXX XXXX  that i would have to pay {$760.00} for the repair of the apartment i already moved out of since XX/XX/2023. After dispute with the management on why i must pay {$760.00} for repairs, I paid the amount on XXXX XXXX. 
I woke up on XXXX XXXX and i got an alert that there is a collection of {$760.00} from National Credit Systems.

National credit systems never communicated once with me to ask if i paid or disputing or accepting the debt. That's unfair practice and moreover, there is no way i should have a collection on my credit report on the account i paid off. 
Please help me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Was not notified of investigation status or results

Complaint:
YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report.

Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: GOLDMAN SACHS BANK USA
State: OK
Product: Credit 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:
On XX/XX/, there were multiple unrecognized transactions going through my Apple credit card. I immediately contact the bank customer care and report this problem and disputed these transactions. However, almost the 3 transactions that I disputed, there was one that dose not get approved. The amount of this transaction is XXXX I disputed it again and again but the result keep coming back denied. The company send me a documentation regarding the transaction that " prove '' that I make the transaction. However, the document they sent me clearly demonstrate that the billing email, the billing name, the phone number, all did not belong to me to my family member. There should be no way they should approve this transaction and further declined my dispute request while I did not authorize or issue this transaction. I just now disputed the same transaction the 4th time, and issuing this complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: REGIONS FINANCIAL CORPORATION
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:
Regions Bank is saying that I owe on a loan that I never took out this loan was opened when I was XXXX on a XXXX XXXX for over a year I never signed or opened a loan at regions Bank regions Bank can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking regions Bank to court and Sue them for my lawyer fees and my light detector test regions bank has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make regions Bank pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which regions Bank will have to pay my lawyer fees and for the lie detector test result I present in court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
* Your name : XXXX XXXX I made a deposit about a XXXX  ago now and the person who owns the account still hasn't received the money. The deposit was made in person at a branch but I can't find the receipt. I've been to the branch XXXX different times now, last one with the recipient of the account and they can't find the money. What are my options? XXXX at the branch almost excorted us out of the branch saying that we're lying. PLEASE HELP! 

* Your preferred contact number : XXXX XXXX XXXX XXXX XXXX XXXX Date of deposit : XX/XX/2023 ( Maybe XXXX? ) * Time of deposit : Around XXXX * Amount of deposit : XXXX * Source of funds ( i.e., cash, cheque, etc. ) : Cash in branch with teller * Full name of account holder : XXXX XXXX - XXXX XXXX XXXX XXXX * Account information provided on the date you visited the branch : Acc Number : XXXX *Branch Location : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation