BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has inaccurately reported the following months late on my credit reports. 
XXXX reported XX/XX/XXXX and XX/XX/XXXX. 
XXXX reported XX/XX/XXXX and XX/XX/XXXXXXXX reported XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed inquiries on my credit report to equifax, XXXX  and XXXX XXXX in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!!

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 2020-11-02
Company: Experian Information Solutions Inc.
State: MO
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 following accounts do not belong to me, therefore I'm asking for the removal of these accounts. 

1. US Dept ED 2. Dept ED XXXX 3. US Dept ED 4. Dept ED

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 2023-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Bank Of America card has tried to be open multiple times under my name. I have not applied for any Bank of America Credit Cards. Ive received letters regarding the attempts to open these credit cards. I have called my local county police and made a report and also spoken to Bank Of America. Recently I received mail regarding an XXXX XXXX XXXX account that was open under my name as well that I did not open. I followed up with the police and XXXX XXXX XXXX  as well to report Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Pennsylvania Higher Education Assistance Agency / AES I have contacted them several times about both covid and issue with my loan being marked as " disqualified ''. This company is one of the worst customer services, they care nothing about the person and only the bottom line. When I made a inquiry about my loans not being charged interest or payment during the INITIAL covid relief act they essentially said " we mange your loan NOT US Govt so we will continue to charge interest COVID or not ''. No " I'm sorry, lets try to work this '' or " it unprecedented times we understand '' ... nope just a straight " NO '' and then went to charge me interest. They are really shady and pretty much the bottom of the barrel. I will NEVER recommend them or use them for any of my kids. By the way the I have other leanders ( thank god ) for some of my student loans ( XXXX   is one ) and EVERY OTHER one suspended payments and interest ... except these scumbags.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
chase bank is forcing me to purchase a {$150000.00} FLOOD POLICY DESPITE THE OUTSTANDING BALANCE IS {$120000.00} .and also taking money into a escrow account for flood policy that I have paid in full and supplied them with a fully paid up flood policy showing paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( JEFFERSON CAPITAL SY XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX  of {$270.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
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 XXXX XXXX  Balance : {$18000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$54000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This loan was paid back in full to the original lender XXXX XXXX. XXXX   has acknowledged such and has released all its claims. Yet the debt still shows being owed to the SBA on my credit report.

Additionally this debt was over 7 years old and should not be 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 2022-10-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from XXXX XXXX XXXX and Experian

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 2023-01-27
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 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 account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023 but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX 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 2021-06-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I am writing today in regards to inaccurate data which is reporting on my credit report for the following account. American Honda Account # XXXX. At the completion of the lease. 

This account was set up on autopay without any incidence for years. I applied for a mortgage and was notified that an issue is reporting on my credit report in XX/XX/2021. This can not be accurate since this account was set on autopay. Once I was notified by the mortgage company of the issue I purchased the vehicle in full to avoid further issues. Yet the balance and past due amount are reporting which certainly can not be accurate. American Honda is neglecting me and has caused me harm. I tried resolving this and have not gotten anywhere. This is hurting my chances of taking out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously made a complaint about PNC closing my account without an explanation. Now the PNC bank is retaliating against me by holding all my funds and not allowing me to access my money. I have over XXXX dollars in my checking account and can not get XXXX dollars at the ATM, This is a very volatile situation, and I dont want this to escalate into a criminal situation. Please have PNC to release my money since they dont want me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: LA
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of Inquiry XX/XX/2022 XXXX Date of Inquiry XX/XX/2022 XXXX  Date of Inquiry XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Paramount Recovery Systems, L.P.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company called me in late XXXX or early XXXX of XXXX. The representative stated that I was in collections for a medical debt in the amount of {$1100.00} and it had gone to them for collection. I asked for more detail about the debt such as date of service, the medical facility and for what services. She told me that she couldn't disclose any of that to me because of HIPPA laws. I told her that if this was indeed my own medical record then I had a right to know what I allegedly owed. She refused to give me the information other than the amount. I then asked to have documents mailed to my address or emailed to me. She told me that she didn't have to send me anything and that I needed to pay this debt immediately over the phone or she would send the police to my house to arrest me. I was terrified, as I am only XXXX years old. I do have medical issues and have had medical bills, but I've always paid them. In a panic and our of fear I gave this woman my bank card number. After I got off the phone with her I told my parents what had happened. They told me to call my bank and cancel my card immediately, which I did. My parent contacted Paramount Recovery and left  them a message telling them in detail that they had no right to threaten me. Shortly thereafter, I got a credit alert and saw that Paramount Recovery had reported this as an unpaid collections on my XXXX  credit report. I am in the process of disputing this. My parent emailed Paramount Recovery once we saw what the medical bill was for on my credit report and sent them a copy of a cashier 's check showing payment was made in full on XX/XX/XXXX in the original amount owed of {$1100.00}. They continue to call me in an attempt to collect and they have not removed the derogatory report on my credit which has severely damaged my good credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last month I sent a certified letter to Wakefield and associates in regards to a debt they have listed on my credit report! They received the document because a signature was required and through usps it showed me the letter has been signed for. I asked Wakefield to send me a copy of the original bill as well as a breakdown of the amount they are alleging I owe them because this debt is not mine! I never received a bill or anything for this alleged debt, until today I received a letter in the mail from Wakefield stating that basically they will be not sending me any information on this debt, because they have already verified it ... .. I dont know who they verified it with, but it was not me and I would love to see what documents they have of this alleged debt, until I receive this documentation they need to remove this debt from all my credit files

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 2023-03-31
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 at XXXX, I called Genesis FS Card Services to close this account that I never signed up for. Before even talking to an agent, I was asked for my last 4 digits of my Social Security number, when I said I would like to talk to an agent I was asked for all 9 digits of my social security. When I finally got on the phone with an agent, I refused to give them personal information and was put on hold and eventually hung up on.

Company response to consumer: Closed with explanation