BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus but the auto loan still remains. This items does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: IA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Credit Karma, LLC
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have both a Spend ( debit card ) and Savings accounts with Credit Karma, which until recently I had no problems with. However, after my divorce in XX/XX/2021, the account that was funding my Credit Karma accounts ( at XXXX XXXX XXXX XXXX XXXX had to be changed, as the servicing bank could not simply remove my ex-wife 's name from my accounts. 

I tried to transfer money from my Credit Karma account to my external bank, but due to the bank being in the process of changing my account numbers the transfer was returned to Credit Karma. Due to the return of the transferred funds Credit Karma has frozen both of my accounts and have refused to allow me to regain access, so now I can not only not access my assets, they refuse to allow me to update my account with my new banking information. They also refuse to call XXXX XXXX XXXX XXXX to even verify that what I've stated is true regarding my accounts at XXXX. I understand they can not access my accounts at XXXX for security reasons, but they refuse to even reach out to verify what I'm telling them is factual. 

I have called Credit Karma many times since XX/XX/XXXX in attempts to resolve this issue, however the department that handles this type of situation refuses to take incoming calls, stating they only work via email. I have sent them the requested information to verify my identity with regard to the new XXXX account numbers a couple times now, and still my accounts are frozen, causing me extreme financial as well as mental stress. Now, due to Credit Karma 's unwillingness to unfreeze my accounts, I can not pay my mortgage or several other bills at this time due to their refusal to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor XXXX doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with XXXX when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. XXXX furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the 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 2021-06-01
Company: COMMERCE BANK
State: IL
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 applied for a credit card through COMMERCE BANK on XX/XX/2021 and was approved for {$8000.00} credit limit and was told my card was coming in the mail. Then on XX/XX/2021 I receive a letter saying my account has been closed because inaccurate/fraudulent statements made during application. I applied for a credit card with COMMERCE BANK on XXXX and was approved for {$3000.00} credit limit and was told the same thing that my card was coming in the mail, i even verified my address with a utility bill. That application was flagged because I left out my apartment number ( but they asked for documentation for the address ) which was provide. I spoke to a XXXX XXXX which verified everything. I got another letter in the mail saying my account has been closed because of inaccuracies. I believe this id discrimanation against me being an XXXX AMERICAN. I HAVE BUILT GOOD CREDIT AND HAVE SEVERAL CREDIT CARDS WITH BIG COMPANIES ( thats why im being approved ). Someone sitting in a office judging people and once applications are approved they are denying them. They do not ask for nothing to resolve any problems but just stripping you of working to build your credit up. This is discrimination. Whenever an individual sitting in a office judging people off paper is discrimination. This has happened twice to me with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
to whom it may concern hello I applied for a consumer credit transaction through capital one on XX/XX/22 I was told that I need to put a down payment for what I applied for but as your company should know down payments are illegal in consumer credit transactions I am supposed to only pay the finance charge with the credit card ( SSN ) that your company has already used ( as seen below ) which your company should already know because it is public information. I have called and been told that there is no physical underwriter for your company and that decisions are all processed through a system I Ask that you get someone on my application so it can be completed the right way otherwise your company would be in direct violation of 15 USC 1602 ( p ) as I originally made an agreement with XXXX and they gave my personal information your company and if I didn't give you actual, implied, or apparent authority for such use AND/OR I receive no benefit that implies by law and unauthorized use of my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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:
Transunion & XXXX, you issued my credit report in XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX ( XXXX ) refuses to talk with me and refuses to send me a copy of the credit report used. The date of the report will reflect XXXX did not have permissible purpose to access my credit. I am requesting Transunion and XXXX to have XXXX send proof of the permissible purpose used to access my credit report for loan # XXXX. XXXX needs to send dated copy of credit report and fully completed and dated copies of anything else XXXX  submits. I request Transunion and XXXX  to review and then remove immediately the negative listings on my credit report. Please do not request XXXX  to investigate and then simply state XXXX is reporting correctly. I request Transunion and XXXX to validate this since XXXX  refuses 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 2023-06-12
Company: Experian Information Solutions Inc.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.

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 2021-06-01
Company: EQUIFAX, 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:
Equifax has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Porfolio Recovery Associates LLC, is fact in violation of 15 usc 1692b ( 5 ), 15 usc 1692b ( 2 ), 15 usc 1692d ( 1 ), and 15 usc 1681. 
On XX/XX/2021 I received a notice for an alleged debt in the amount of {$550.00} in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due corse for any and all derivates thereof.

Information was requested from my consumer reports on XX/XX/2021 and XXXX XXXX without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: TX
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:
I have submitted 2 separate disputes in regards to inaccurate reporting accounts and have not received any results in regards to either investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: CITIBANK, N.A.
State: CA
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:
I booked a newly opened guest suite at XXXX de XXXX at standard rate on XXXX. No mention whatsoever that rate was non-refundable. See XXXX email reservation confirmation as well as XXXX email description of suite attached. 
I inquired on XXXX re : XXXX  cancellation policy in light of COVID19 pandemic. Response from XXXX that suite was non-refundable. 
I cancelled XXXX reservation on XXXX. 
Filed dispute with Citi-Mastercard on XXXX. Case XXXX. 
Received response from Citi denying claim on XXXX with response from XXXX indicating that a refund would be issued if COVID19 state of emergency and travel bans extended through our planned travel date of XXXX I submitted an appeal of Citi denial of claim on XXXX providing documentation Citi requested including confirmation of my cancellation of booking and XXXX statement to refund. 
I received an electronic letter dated XXXX from Citi stating ( incorrectly ) that I had not provided required documentation. 
I submitted another appeal to Citi on XXXX correctly stating that I had provided the required documentation. 
On XXXX, Citi sent me an electronic letter stating that they may be able to assist me if the merchant agreed to credit my account. I provided the documentation again which XXXX had submitted to Citi that a refund would be issued if travel bans were still in effect. 
On XXXX I again submitted documentation with specific citations and quotations from XXXX  re ; a refund. 
On XXXX Citi sent me an electronic letter stating that they are unable to require the merchant to issue credit. 

I have made every effort to be responsive to Citi 's requests of me in an attempt to correct the record that the hotel did not disclose that the booking was non-refundable and that the hotel in its own response to Citi stated that it would refund me in the event that the COVID19 state of emergency continued to cover our planned booking date at the end of XXXX. From the attached correspondence, I believe that Citi overlooked the documentation I provided on numerous occasions. In summary, a fair non-partial review of the materials would warrant a refund of my booking.

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 2023-01-09
Company: EQUIFAX, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS approved me for a COVID-19 Deferral of your outstanding payments outlined in the the COVID-19 Deferral Confirmation Notice sent to me on XX/XX/2021. SPS offered an 11-month Deferral Plan.

Due to ongoing hardship caused by the Covid-19 Pandemic I requested and request an extension of the forbearance plan I was enrolled in mandated in the FHA, XX/XX/2021 Mortgage Letter XXXX. 

SPS ignored my requests in violation of White House Rules necessitated by the Covid-19 National Emergency. SPS needs to enrol me in the extension and remove the delinquencies from my account. 

SPS failure to allow me the relief mandated by the White House and FHA has caused me XXXX XXXX and exacerbated my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: OneMain Finance Corporation
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I got a hard inquiry from Onemain Financial today that was not requested and their records show no inquiry but my credit score dropped XXXX points and shows a hard inquiry from them on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX- I have no knowledge of this company nor previous contracts XXXX  XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX-I have no knowledge of the company nor previous contracts XXXX   XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my XXXX 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 2019-03-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from

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 2020-05-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It's almost 60 days today since Ive sent Dispute regarding to those unknown and inaccurate accounts I found on my credit report. But I haven't received any response.I was so stress and I Demand to immediately REMOVE those account on my credit report or I will file a litigation.

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 2020-01-24
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TIAA Bank is still reporting my account as 30 days late which in fact my loan was transferred to another lender 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I never applied for this credit card or acknowledge this application. I have requested XXXX and Experian to delete this hard inquiry from my credit report with no response from either of them. I will appreciate if you can instruct Experian to delete asap or provide some proof that it was applied by me. Thanks, XXXX You applied for a credit card on XX/XX/2022 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 2020-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation