BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$530.00} CHAPTER XXXX BANKRUPTCY  DISCHARGED XXXX {$0.00}

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 2018-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I already filed a complaint on XX/XX/XXXX. 

" On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response. '' On XX/XX/XXXX, Chase closed the account without resolving the issue, and said they issued 5,000 reward points to my account, but never did. I've made at least three calls to the Executive Office since, and have gotten no response from XXXX. I want to reopen the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX  and XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  on XX/XX/XXXX I have not informed or recalled of any association with these company. I have contacted XXXX XXXX, and XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I contacted XXXX about this " CAPITAL ONE Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. XXXX & Capital One refused to remove the fraudulent account from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
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:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX  XXXX, XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX  XXXX XXXX XXXX, XXXX on XX/XX/2018.I have not informed or recalled of any association with these company. I have contacted XXXX XXXX XXXX XXXX, XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved 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 2020-07-01
Company: EQUIFAX, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$6300.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$63.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I signed up for a store credit card in XX/XX/2021. Upon making a purchase that month, I was sent a bill by Comenity - XXXX XXXX XXXX in early XXXX. I went to the store and made a cash payment on XXXX. I was asked if I wanted to use my {$23.00} reward credit towards my balance of {$190.00} balance. I agreed and paid the additional {$170.00}. A month later I received a bill from Comenity for {$25.00}. I first visited the store and was told to call Comenity. I called Comenity on XXXX and explained the situation. They filed a dispute and said I would hear back after review. Yesterday I received another bill for {$27.00}. I called Comenity on XXXX and was told I need to go back to the store. They were aware of the situation of customers making payments at the store but they had no access to the stores information. I think its unacceptable for the store to send me to Comenity and Comenity to tell me to go back to the store. I have a receipt showing that I paid my debt in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: GA
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:
My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: TX
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:
in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I entered into an agreement with Wells Fargo to go onto a reduced payment plan for my mortgage. This was due to me becoming a XXXX XXXX XXXX Veteran, and having to exit the military because I was blown up from an improvised explosive devise in during one of my combat tours in XXXX. I entered into this agreement, with good will, and continued it until my Veterans Affairs XXXX XXXX XXXX began which allowed me to begin payments on my regular schedule at the full price. I have never missed or been late on any payments, because I have it set up on auto pay, through my bank, XXXX and it is automatically deducted from my checking account each month. On XXXX, XXXX, Wells Fargo began this program, of reduced payments, and an error between internal Wells Fargo departments caused them to not know that I was on the program, and they kept sending me a bill for the full amount. The following month, this resulted in a 30 day late, which posted on the XXXX date, and it is now still on all 3  of my credit reports. I have disputed this several times. I don't know how much more clear I can be about this. I have even talked to a Wells Fargo representative on the phone, and it is in my Wells Fargo notes, that they sent it to the Wells Fargo credit department for immediate removal. Please help. I had a similar situation, in XXXX, with two 30 day lates, I can explain those in detail, and have notes on that as well. But wells Fargo should have this, and I have talked to them several times about it. They have already agreed to remove, but never have. They are reporting inaccurate information on my credit report. This is the final time I am asking, please remove all 3 late payments off of my credit reports immediatley.

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 2020-10-14
Company: Experian Information Solutions Inc.
State: GA
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-14
Company: EQUIFAX, INC.
State: GA
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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:
Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... 

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of 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 2018-11-16
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I borrowed funds from CheckSmart. Unfortunately within the time I was scheduled to pay back, I had unforeseen expenses come up that just had to take priority. On XX/XX/2018, between XXXX XXXX ET and XXXX XXXX ET, I received 12 calls total. I was at work unable to answer. When attempting to call the number back, I was unable to get through. On the following day, XX/XX/2018, between XXXX XXXX ET and XXXX XXXX ET, I received 9 more phone calls while I was at work. From a number that I was unable to call back. I find this to be extremely harassing as not only was I not given enough time to call back, I also can not reach the company from the number that I received calls from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a loan modification. As with any business offerings I was presented with a contract, and they supposedly explained all details. However one detail was missing, an explanation of corporate fees. According to a letter I received a letter months later, I had accumulated almost {$3000.00} worth of these fees. These fees were not initially mentioned and I was led to believe this process would cost me nothing out of pocket. I was approved for the loan modification and my payment was lowered and I was able to catch up my mortgage. However I ran into some financial trouble where I missed 1 payment. This is when my mortgager made me aware of these fees. It was only after I missed this one payment that my mortgager began demanding payments for these fees. They have threatened to foreclose on my property. I unhappy with these unethical and misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received a collection notice dated XX/XX/XXXX referenced by Account # XXXX from Transworld Systems Inc. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, PA XXXX. In their collection notice they stated the following. " A credit reporting agency has indicated that an inquiry has been made on your credit report. We hope that you are now in a better position to pay the above account ( s ). '' This company is attempting to collect the sum of {$340.00} that they allege I owe to XXXXXXXX XXXX XXXX. I had an account with the aforementioned security service that I cancelled in XXXX because of the financial difficulties. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and was granted a Discharge of Debtor on XX/XX/XXXX, Northern District of Texas Case No : XXXX. XXXX XXXX XXXX was one of creditors that I listed in my filing. Transworld System Inc. attempt to collect {$340.00} is not made in good faith and they are in violation of the relief I was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This morning XX/XX/2018 as i checked my XXXX  credit report, i noticed a collection from XXXX XXXX XXXX with an open date of XX/XX/2018. I did not open an account with XXXX XXXX XXXX or any original creditor. The original creditor listed does not provide services in my city or state. 


This Debt was disputed and removed from XXXX  approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company I C SYSTEM INC sold it to another collection company after it could not be validated. 

This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.

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 2018-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Inc. is attempting to collect a Credit Card Debt from XXXX XXXX XXXX XXXX. I asked for verification and they sent me a copy of a letter from XXXX  XXXX stating that Portfolio Recovery Inc. has the debt, HOWEVER ; PRIOR to this, the debt was DISMISSED by XXXX XXXX so this debt does not exist. It was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The two accounts listed below does not belong to me and it is fraud. 

XXXX account number XXXX XXXX account number 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 2018-11-15
Company: Experian Information Solutions Inc.
State: CO
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:
There are many mistakes appear in my report without my understanding.

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 2018-11-15
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-07-01
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This discover account was a paid charge off as of XX/XX/XXXX. Tried to reach out to the company numerous times and was told there was nothing that they can do. Got in contact with the bueureas and they told me I had to contact the creditor.

Company response to consumer: Closed with explanation