BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: VALLEY NATIONAL BANCORP
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft 1. XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine 3 Identity Theft VNB- XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
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 have been filing complaints left and right with Pentagon Federal Credit Union about an unauthorized inquiry on my report. They stated they made an inquiry back in XX/XX/XXXX. And have not made any other inquiries since. Well i mentioned to them about an inquiry that was done on XX/XX/XXXX and they are claiming it's bogus and in other words I'm making it up. I sent them proof before and they still are requesting more proof. ITS A STALL TACTIC!!! ITS FRAUD!!! But now worries I Have Spoken With An Attorney and i will be bringing a lawsuit against Pentagon Federal. When inquires are made on your report that you didn't authorize it drops your credit score. But of course you knew that though.

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 2021-01-08
Company: Experian Information Solutions Inc.
State: IL
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 submitted a compliant against Experian on XXXX and you guys said that it wasn't submitted directly by me or that I didn't authorized the compliant. I don't know how you guys came up with that information but I completed the complaint my self and fully authorized it. I filed a police and FTC report and disputed the inaccurate information on my credit report, that the credit bureaus are reporting. Especially Experian. Please re-investigate my complaint and this company. 

Complaint ID : 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 2020-07-08
Company: Professional Adjustment Corp. of S.W. FL., 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:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  XXXX XXXX   XX/XX/2020 about inaccurate information on my credit report XXXX XXXX XXXX  {$290.00} Outdated PROFESSIONAL ADJMNT CO {$1300.00} Outdated XXXX XXXX XXXX {$180.00} Inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, 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:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One reported Account ending in XXXX as " charge off ''. The IRS definition of a charge off is income. Income should not be reported on any consumer 's report. 
See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: TD BANK US HOLDING COMPANY
State: MI
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:
XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: MI
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 first contacted city bank to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from XXXX indicating me that my credit sore drop XXXX point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop XXXX XXXX, in addition I never gave City Bank consent to pull my credit. I fill strongly deceive by both City bank, as well as XXXX. I tried reaching to XXXX to there supervisor XXXX XXXX via email but he has never replied. I talk with City bank they told me that they would have XXXX remove the inquiry immediately. Yet they have not I'm asking CFPB to have XXXX to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance 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 2017-08-10
Company: Meridian ARG Inc.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recieved a phone call from Cambridge Asset Management. They called me from XXXX. The lady said her name was agent XXXX XXXX. She told me over the phone that they worked for a lawyers office and were the mediation company. Trying to collect on a debt from 4 years ago. She stated that If i did n't pay them, that they would file a civil complaint with the county clerks office. I asked to speak with her district manager and she could not give me his name. I told her I would be in touch after some research. On XX/XX/17 I recieved another call from agent XXXX XXXX. She left a voicemail stating that they were going to turn this to the county clerks office to proceed with paperwork. On the voicemail, she stated my date of birth, last 4 of social security number and my drivers license number. I think that is highly inappropriate to give away such sensitive information as I might have change numbers and then my personal identification would be given to a stranger. I am not happy with the scam companies tactics to collect debt and I think they need to be investigated further. She also informed me that they would look for me at my place of employment, which I know they are not allowed to threaten.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost My wallet While on a trip to Georgia in 2013 and ever since then i've realized accounts like medical, Apartment Fraudulently rented under my name, and Loans.

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 2020-09-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost My wallet While on a trip to Georgia in 2013 and ever since then i've realized accounts like medical, Apartment Fraudulently rented under my name, and Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Merchants' Credit Guide Company
State: TX
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:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. 

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
There is account on my credit report that is not mine. XXXX XXXX {$1200.00} 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 2021-07-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I experienced XXXX at XXXXXXXX XXXX XXXX. I contacted Chase to dispute my transaction for unused service with the XXXX business. The amount I was disputing for is {$48.00}. Chase customer service XXXX stand with XXXX  and refused to dispute the amount. In addition, XXXX told me she will transferring me to her supervisor but " none of the supervisor is available ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a account with XXXX XXXX and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by XXXX federal as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.

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 2018-09-23
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a account with Navy Federal and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by Navy federal as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Started a Credit Card through XXXX XXXX with XXXX XXXX. Set up automatic payment with my checking account. XXXX  XXXX sold the account to Comenity on or about XXXX of XXXX. XXXX   XXXX did not send information regarding automatic payment to Comenity and I was not informed of the change in ownership for the account until I received a late payment notification on or about XX/XX/XXXX from Comenity. I call comenity and requested full payment of my outstanding balance on XX/XX/XXXX and I made the stated payment of XXXX on that date. I received this date XX/XX/XXXX notification of 2 late  payment statements on credit report from Comenity and a balance remaining of XXXX. Comenity was called and stated the late payment was assessed at XXXX XXXX XXXX XXXX on XX/XX/XXXX after my phone call. They stated they would be unable to remove this late fee and will not be able to remove the incorrect late payment notification from my credit report. I paid my account by automatic debit from my checking account, was not informed of the change from XXXX XXXX to Comenity, paid my account in full as soon as I was informed, now have a late fee remaining on my account which was assessed after my full payment and have two negative reports on my credit. I believe I have acted in good faith in the situation and believe that comenity should wave the late fee assessed after my payment in full and remove the negative statements from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was a victim of idenity theft collection agency : XXXX XXXX  date XXXX Collection agency : Convergent Outsourcing, INC {$350.00} XXXX XXXX XXXX XXXX {$180.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} Collection Agency : XXXX XXXX XXXX XXXX XXXX : {$610.00} XX/XX/XXXX Collectional Agency : XXXX 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 2020-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank XXXX my checking account ( after 50 years ) and they sent me 2 checks Totaling over {$11000.00} after they refused to honor my payments sent to my online payees, saying they Closed my Account XX/XX/2020 although I was not officially notified until XX/XX/2020 when I received a letter on that day. Each month I have XXXX my IRA savings bank deposit {$5200.00} in my Checking Account. The Transfer was made on XX/XX/2020. Now Chase Refuses to talk to me or to XXXX about that {$5200.00} transfer. Today is XX/XX/XXXX and I have to assume it is their intent to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: I.C. System, Inc.
State: MS
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.C. System, Inc has reported this account to XXXX as a derogatory action every week since XX/XX/XXXX. The other dates reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I.C. System, Inc is violating the Fair Credit Reporting Act ( FCRA ) of XXXX with unfair credit reporting practices in attempt to lower my credit score on a weekly basis in retaliation for a previous dispute regarding my credit report. 

I.C. System, Inc is well aware that continuously reporting the same debt on a weekly basis is unfair and retaliatory and could affect my credit score, thus affecting my credit worthiness. 

There is no reasonable reason for I.C. System, Inc to report this information every week, on the very same day of the week when there is no change in the amount of the listed debt.

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 2023-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Because the information provided does not comply or include my signature on any of your documents. I have no debt responsibility with you and I do not know the previous debtor. Please send documentation that really validates my debt or PRA must immediately remove it from your system and even more important from my credit bureau. Thank you.

Company response to consumer: Closed with explanation