BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is showing account information that is not mine and not accurate. I have recently reviewed my credit report with XXXX and found multiple unauthorized inquiries which violate the Fair Credit Reporting Act as well as privacy violations. 

Unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly, my employment shows that I am employed by Union but also states retired on the XXXX report gathered. 

I am employed. Please correct. 

Thank you for your prompt review of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted request for mortgage modification, I got behind on my payments because of my employer reducing my hours to part time hours. I'm now working 40 hours a week and can make the house payments. Received property foreclosure notice for sale of my house XX/XX/2019. The State of Tennessee law is the homeowner is to receive 30 day notice prior to a property foreclosure sale. I did not receive the notice 30 days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are currently numerous accounts, addresses and names listed on my report that are a result of malpractice or an error.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX  acct no. XXXX, XXXX XXXX  account no. XXXX, XXXX XXXXXXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX XXXX XXXX account no XXXX XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXX XXXX  account no. XXXX, XXXX XXXX, XXXX XXXX XXXX account no . XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXXXXXX account no. XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX account no. XXXX, XXXX account no. XXXX, XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX bankruptcy petition account no. XXXX, XXXX XXXX bankruptcy dismissed account no. XXXX. 



15 U.S.C.1681 Section 602 A. States I have a right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2023 I sent transunion a letter in regards to a XXXX  XXXX  they deemed to be verified. i asked for the written XXXX  with my signature to be provided and i have yet to hear back from this company with any regards to my letter that was sent to them.

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 2023-01-04
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
American Express, XXXX, XXXX and XXXX are in direct violation of the FCRA Laws list below. 
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. a 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices. XXXX Sent letter asking them how they verified the account, the name and contact info. They did not supply this information. XX/XX/XXXX - Sent second request on how they verified the information and the name and contact of the representative. Did not receive a response and they continued to report the unverified information. XX/XX/XXXX - Sent a letter asking them again, how they verified it because I contacted the collection agency and they DID NOT verify it. I received no response and they continued to report the unverified information. XX/XX/XXXX - Made a final attempt for them to investigate and/or tell me how they verified the information when the collection agency DID NOT VERIFY with me yet continue to report the unverified information. 

They simply ignored me each time and sent nothing AND CONTINUED REPORTING THIS UNVERIFIBLE ACCOUNT. So I would like assistance in either obtaining this information or assistance in having them stop reporting this unverifiable information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Account status incorrect

Complaint:
I was referred to this credit union and applied for an installment loan. I filled out all the information and provided documentation accordingly. The account was approved and opened. Later in the day before any funds could be used the account was locked and I was notified. The bank manager reached and said the account couldnt be opened and funds were t able to be used. About a year later I started seeing missed payments from this account. I had never used this account to have a missed payment because it was closed upon opening. So I disputed the charges and account. It took a while but they later updated the account, but still was the wrong information. This is hurting my credit significantly because its reporting that payments are being missed and have a continued balance. I have since, reached out again and no response. I feel I am a victim of fraud and they are going against my rights

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 2021-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is attempting to collect a debt that I have already paid the agreed upon settlement amount. Original amount was XXXX. They sent me a letter dated XX/XX/21 that stated they would settle the debt for XXXX if paid by XX/XX/21. I paid XXXX on XX/XX/21. Instead of removing it from my credit, they subtracted the amount I paid and put the difference on my credit report. I have disputed this with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: TX
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:
Charge was reported. I submitted minimal information at first asked if more was needed was told no charge would be reversed and investigaton would be done. 

Later I called to follow up was told to wait, followed up again and was told still pending. After several calls did not get anywhere with claim. I explained in detail over phone what happened but nothing was put into writing on on file for claim. Later received decision that charge was reversed and given to vendor. {$400.00} was added to my card with interest XXXX XXXX XXXX XXXX I refuse to pay for a charge that I disagree with customer support has given little to no resolution just making me jump through hoops and run around just to what I feel is a slap in the face.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: MS
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 disputed 2 public records that were appearing on my Experian credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. Experian originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several Experian dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, Experian is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX District of TN is incorrect, the case number is not a valid case number and Experian sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County Bankruptcy Clerk here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that Experian sends as a part of my re investigations, because they have used illegal practices. Please require Experian to remove the bankruptcies immediately.

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 2023-04-25
Company: EQUIFAX, INC.
State: FL
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 Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I notified the credit reporting agencies that these accounts were inaccurate and fraudulent on XX/XX/2021. According to FCRA LAWS, they were supposed to remove these accounts within 4 days of receipt of my official statement, it is now XX/XX/2021 and the accounts are still reporting illegally. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2019-04-26
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Billed by medical provider XX/XX/XXXX & XX/XX/XXXX. Paid and cleared XX/XX/XXXX. 
received collection letter XXXX XXXX, Responded to letter XXXX XXXX, with request for validation, advisement that the debt is not my responsibility, previously paid and provided a copy of cancelled check. and requested they stop all communications. 

XXXX and XXXX collections continues to call XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Was given XXXX pre-paid AMEX giftcards, after activation couldnt use the cards at any retailers. Called customer service and was told the restrictions would be lifted and to wait XXXX hours. After waiting XXXX hours the cards still have yet to work. Called again and was told the same thing yet again. Still have yet to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07
Company: YSA ARM LLC DBA Oxygen XL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL has been sending me Parking Charge notices seeking payment for parking I already paid at time of services at their XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX to XXXXXXXX XXXX. I reached out to this vendor immediately upon receipt of first notice, but was only allowed to contact them by email ; they do not provide a phone number so you can't talk to anyone at all. By email I submitted my bank statement showing that I paid for not only this car, but my oldest daughter 's car that was parked with me in the XXXX XXXX XXXX known as XXXX XXXX XXXX for the same time duration that day as we were visiting my youngest daughter at her apartment. I provided copies of both payment transactions from my bank as I paid by credit card at the parking kiosk on site for both my car and my daughter 's car. They emailed me back and said they refused to accept my proof of payment from my bank. I did my research on this company... Please see what the XXXX XXXX XXXX complaints has to say about XXXX XXXX XXXX of XXXX XXXX. They have been scamming people claiming they did not receive payment when indeed they have. A class-action lawsuit claims XXXX XXXX XXXX  is violating state and local laws. I will not pay for parking I already paid for. They wanted {$78.00} initially ... now that they are using Oxygen XL collecting agency to collect so it is up to {$83.00} for which I refuse to pay because, again, I paid for my parking at time of my parking space occupancy on XXXX. As a consumer I want everyone to be protected from scammers like XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ally XXXX was informed and agreed not to call or text my cell phone to discuss my loan in XXXX. From XX/XX/XXXX - XX/XX/XXXX. Ally has continually contacted my cell phone via texts and automated dialing and automated voice messages, hiding their company ID on caller ID, repeatedly changing numbers called from after i blocked the number, never once identifying themselves via caller ID. In violation of Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 et seq. prohibits unfair or deceptive acts or practices in the marketplace. 

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., ( which is enforced by the FTC ) provides that debt collectors may not, in connection with the collection of a debt, place telephone calls " without meaningful disclosure of the caller 's identity. '' 15 U.S.C.  1692d  ( 6 I have written Ally XXXX several times, It took them 2 months to respond claiming they didn't do anything 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 2022-10-21
Company: DISCOVER BANK
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 placed two orders from XXXX and XXXX. 
1. I returned two items to XXXX ( {$170.00} and {$78.00} ) and it refund me one of them ( {$170.00} ). But the other refund ( {$78.00} ) had some delay, so I opened a dispute through my Discover credit card. 
However, Discover thought {$78.00} is a part of {$170.00} and denied my dispute. Also, this made XXXX charge me some extra money because they thought they refund me twice. 


2. I placed an order from XXXX. There was a refund of {$52.00} on XX/XX/XXXX, and that was because we removed the oversold item " before shipping out the order. 
And I open a dispute for other items for the {$220.00}, however, Discover thought {$52.00} is a part of the {$220.00} and denied my dispute. This also made XXXX charge me another {$52.00} because they refund me twice. 

I contact both merchants and XXXX, they asked me to talk with Discover. However, Discover refused to reopen the disputes. So I lost {$220.00} + {$52.00} + {$78.00} + {$74.00} ( because I put the wrong number in the first dispute ), and neither Discover nor XXXX solved my case.

Company response to consumer: Closed with explanation