BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX

Capital One 
XXXX XXXX XXXX XXXX XXXX, Utah XXXX  
XX/XX/XXXX

ACCOUNTS NUMBERS:XX/XX/XXXX, XX/XX/XXXX


MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED,
THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE
PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS
COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS (FCRA). PLEASE UNDERSTAND
THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM
CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO,
PLEASE DON'T TRY TO SAY THE (FCRA) DOES NOT APPLY TO YOU BECAUSE YOU ARE
NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY
PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES
IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY
DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR
INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT
WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE (F) OF THE LAST SENTENCE OF
THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF
COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD
INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH
DEBTS. FOR THE PURPOSE OF SECTION 16G2F(6) OF THIS TITLE, SUCH TERM ALSO
INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE
OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE
ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE
THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT,
WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE
1681A(2)(B), 15 U.S. CODE 1681B(A)(2), 15 U.S. CODE 1681(A)(2), 15 USC 1692J(A), AND 15
USC 1681E(B).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am trying to purchase and home and found items on my credit report that do not belong to me. I have filed a Police Report and FTC Identity Theft report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted XXXX, TransUnion, and XXXX directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from XXXX and TransUnion stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}

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 2020-04-28
Company: UMB FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
UMB Bank approved me for a credit card last a month ago and 1 month later they had hard pulled my credit with out Permission a second time 1 month later with out permission out of nowhere and I spoke with them on the phone and they told me they had also checked something called Visa clearing house on my XXXX  which I also Never gave them Permission to do. ( they checked that to see any other recent credit applications that i had ) I have made my Payment on time and I have a perfect Payment History so they had no right to do this. They had also over verified me when i first got the card they wanted all kinds of additional information. They lowered my credit limit for no reason which is going to hurt my credit score, I am having adverse action taken for something i did not even do anything wrong. The woman openly admited on the phone that they had hard pulled my credit and that they lowered because my score had dropped. My score dropped because their credit card was reporting as a New account and because of their hard inquires so Yes because they reported a new card it's going to temporarily drop my score so and then they lower my credit limit for having their New credit card as Being reported as a New account which doesnt seem FAIR TO ME. I dont want a XXXX credit card because I make XXXX in one paycheck from my job and I have a Business. I am no longer interested in having the card anymore. MY CREDIT score is going to hurt because they lowered my credit limit and hard pulled me a second time with out permission. DAMAGE has been done to my credit report and score because of them. This does not help me at all because I have credit cards with XXXX on them, so I don't truly care to keep an account open with a XXXX limit anyways. It is useless to me. I want them to fix this issue of the damage of my credit limit being lowered which will lower my score. They can not just hard pull my credit once a month or just look at my information anytime they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Rec 'd a call from XXXX asking if i would be home because they need to service me with a subpoena for court appearance. Asked what for? He said he did not know but if i called this number XXXX then he wouldn't have to come out to serve me. So, I called and spoke with XXXX XXXX who said I owe {$610.00} to HSBC + legal and service fees which makes the total {$1600.00}, but I could settle it today for {$610.00}. If I did not pay today, he would mark it as a refusal and my pay and or bank account would be garnished. I send them an email reply ( as suggested by on of you reps at CFPB ) and asked them to not contact me by phone only in writing via postal service. I asked them to provide me with proof for the company they say they are representing. I do not have this company on my credit report. I do not recall ever having a credit card from HSBC. 
Please advise. I have pretty good credit, I have always paid all my bills. There is no record on my credit report for this HSBC card. I want to know if this is a reputable company or is this another scam. The company is XXXX XXXX XXXX, but reply is required to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Sometime in the middle of XX/XX/XXXX, I, XXXX XXXX, got a letter from Chase, stating that my card was shut down, since they have information that it was lost. I informed my wife that to use different credit cards, because Chase Freedom Card was deactivated. While using other cards, I was waiting to receive a new Chase card, but never got one, which I didnt pay attention to. I just asked to have a transaction approved by XXXX, which was used prior to closure, but charged only when shipped. 
Over a month later, I saw a balance on the card that I have not used in a while and was deactivated, as per Chase Bank. I contacted fraud department and had charges removed. Another month later I received a call from Chase fraud department and told since I have used those merchants in the past they verified my signature and putting back the charges on my card. 
I am pretty sure that I do NOT have split XXXX XXXX and never signed for those charges. I asked a simple request ; please send me the images of the signatures on those receipts. A month later, 7 to 10 phone calls to fraud department, 12-15 phone calls to corporate office, I was told that I have never requested those images. Chase has recording of my conversations, as do I, requesting the images, but they refuse to provide them and stole {$2200.00} from me. 
I would take them to small claim court, but I dont have free time between my job and my family, and I dont want to gift them over $ XXXX Please see the list of transactions below. 

Thank youXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 I received a phone call from A manager at the LJ Ross and Associates. I was explaining to the manager on the floor that I wont be able to take care of this for awhile. The unemployment money I am receiving is going to every day necessities. I dont think she cared and wanted me to take care of the issue today. I told her to stop calling me and no more letters through the mail. Then I told her I was contacting the XXXX and she said that I could. Unfortunately the XXXX told me that this company deals with issues like LJ Ross. I also have an attorney that strictly handles harassment cases. I want this resolved before I contact my attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I opened a account with bank of america in XXXX and i closed the account on my behalf on good terms. if you look at the account i made all on time payments until i closed the account. I went to bank of america in person to close my account and the agent cut my card and i thought i was done. turns out the agent never cancelled the account and they charged me a XXXX fee i called and they said it was there fault and they officially closed it but without fixing my credit report. i called in XXXX to fix it and they said they fixed it but ended up using it as a charge off as if i did something wrong.

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 2020-04-28
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$100.00}

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX XXXX {$100.00}

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 2018-11-20
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a home improvement loan through the Texas XXXX XXXX XXXX XXXX ( XXXX ) program ( loan number XXXX ). When the first payment was due, I had not heard anything about making a payment so I inquired as to where to send the payment. I then sent the payment to where I was instructed to. This payment was received and I my bank statement shows that the check was deposited. After this, the mortgage was sold to Gateway Mortgage Group ( new loan number XXXX ). 

On XX/XX/XXXX I received a call from Gateway informing me that I had not made my first payment and I was told that " If you don't make the payment your credit history will be impacted. '' I instructed them that I had, in fact, made the payment. I was then told Gateway had purchased my loan from the XXXX and the address I had sent my payment to was not with Gateway, after which I instructed to make another payment. I objected and told them they were the ones that had failed to do their jobs, not me, and they were now trying to punish me for their actions. I had done everything required of me and even more. It was not my fault that they had failed to get the deposits from the XXXX. And, now, they were calling up, threatening me, and demanding I make a second payment. The caller said it wasn't a threat because he had said, " if ''. I told him it was perceived as a threat and I feel any reasonable person would agree. I demanded that the caller take this up with his supervisor and they should call me back with the resolution. 

I have now received a letter from Gateway demanding I make this payment. 

I did what was required of me. I not only made the payment, but when there was no contact concerning payments, I reached out and found out where I needed to send it. Now, Gateway is threatening my credit history and demanding I pay double because they failed to obtain payments that had already been made to the XXXX when they purchased the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 at XXXX I was contacted by a XXXX  man named XXXX claiming to be part of National Credit Systems , Inc . He told me some information about me like the last four of my SSN, my car make and color, my security deposit amount at my previous apartment, and my previous address. He then said I had an outstanding balance of {$890.00} still owed to my apartment complex I had moved out of at the end of XXXX. I had settled this balance with my apartment company previously and my check for the amount he stated minus deductions made by the apartment manager had been cashed already. The man tried to get me to give my credit card information over the phone to pay for my outstanding debt, which would supposedly help me avoid a hit on my credit report. After hanging up and calling my former landlord, I have no outstanding debt to them and they reported to me they never filed for collections or bad credit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage servicer, Freedom Mortgage by phone on XX/XX/20, for informational purposes only, to see what programs they were offering during the COVID-19 pandemic. I was not late nor delinquent in my mortgage payments. I spoke with XXXX, Rep # XXXX, she told me about the forbearance plan. I stated I did NOT want to be on a forbearance plan. I received a letter from Freedom Mortgage stating I was approved for a 3 months forbearance plan, and while on this plan my property would be subjected to one or more inspections, any payment I sent would be held in a suspense account and applied only after all fees related to the forbearance plan had been settled. I immediately called and spoke with XXXX, ID # XXXX and explained I did NOT consent to this, he said he would cancel it. It has not been canceled, the payment I sent has NOT been applied and I am afraid I will lose my home due to being placed on a forbearance plan. I can not afford to pay fees or costs associated with a plan I did not ask for. It is reprehensible the government has " removed hurdles '' for the mortgage servicers thus putting hurdles in the consumers way. The mortgage servicers will find a loop hole to charge us consumers fees, they always do. Please, please help me get OFF this plan before I lose my home to this. The stress of this situation has affected my physical and mental well being, strained my personal relationships as well as the ability to do my job. I have spent hours on the phone, and writing letters, I sent a Qualified Written Request Letter to no avail. I wonder how many others is this happening to?

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/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 2018-11-20
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A COLLECTION for {$50.00} was submitted to my XXXX Credit Report on XX/XX/2018. I do not know who this is and it is NOT my bill. 
XXXX/CAPIOPART Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/2018 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$50.00} Balance Updated XX/XX/2018 Original Balance $ 50 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: OH
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 was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires

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 2021-10-20
Company: EQUIFAX, INC.
State: OH
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 was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires

Company response to consumer: Closed with explanation