BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase Fraud Department is rude and unresponsive. 

A XXXX XXXX Gift card was purchased fraudulently under coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns

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 2023-03-15
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2023, a collection agency reported XXXX different accounts with XXXX different amounts on my credit as collection accounts. The amounts are : {$1300.00} ; {$1300.00} and {$1500.00}. However, I only have XXXX account with the collection agency. Because of there only being XXXX account, there should only be XXXX collection accountnot XXXX. I believe this is an attempt to negatively impact my credit as XXXX collection accounts will significantly decrease a credit score more than XXXX would. 

Why were XXXX different accounts reported for XXXX collection account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CBC Companies, 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 noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/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 2019-06-06
Company: REVERSE MORTGAGE INVESTMENT TR
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My mother, XXXX XXXX, passed away XX/XX/XXXX. On her death, that property became mine. 

On XX/XX/XXXX, my mother got a Reverse Mortgage from Reverse Mortgage Funding, XXXX XXXX XXXX, XXXX, Texas XXXX.

We paid off the Reverse Mortgage on XX/XX/XXXX. On the payoff notice, there was a charge of {$450.00} for an appraisal. We have been told at least 3 times that we would be getting a copy of that appraisal. To this date, XX/XX/XXXX, we have not received a copy of that appraisal, leading us to believe the appraisal was never done. 

This is the email I sent to Reverse Mortgage Funding on XX/XX/XXXX : " We have been trying to get a copy of the appraisal for my house at XXXX XXXX XXXX XXXX XXXX AZ XXXX for about a month now. Somewhere around Wednesday, XX/XX/XXXX, I called to ask for a copy of the appraisal that supposedly was done on XX/XX/XXXX. She said she would get that out to me right away. What was sent to me was the original appraisal done in XXXX. I specifically asked for the one done XX/XX/XXXX. I didn't ask for or need the XXXX appraisal. It is no use at all to me. 
Wednesday, XX/XX/XXXX, I called and talked to a woman again about getting that XX/XX/XXXX appraisal. She said we would get a copy of it in 1 or 2 days. This is the 3rd day. We got a Priority Mail package this morning, but again, there was no copy of the appraisal. All we got was the attached document which had several errors. 
In that letter on page one, it says : " On XX/XX/XXXX, the appraisal was downgraded to a drive-by appraisal because the point of contact refused to allow the appraiser access to the property because an appraisal was already completed by the Estate. '' That did not happen. We were there waiting for the appraiser to do the appraisal. There was someone there all day. No one ever came. 
On page 2, the letter also says ; " On XX/XX/XXXX, when you called to inquire about the securing of the property, you were not yet authorized on the account to receive account-specific information. It was not until XX/XX/XXXX, that we received the Grantee-Beneficiary Deed indicating that you are the Grantee-Beneficiary ... '' That also was very frustrating to me. I had emailed the documents 2 times ( see emails XX/XX/XXXX & XXXX, XXXX ) before I left XXXX on XX/XX/XXXX, before they eventually saw that I was authorized. Just last Wednesday, XX/XX/XXXX when I called, I had to get through 2 people  saying I was not authorized. The third person saw that I am authorized. She is the one that said I will have the appraisal in 1 or 2 days. That time has expired. The letter did not contain any appraisal again, as noted above. 
Since Reverse Mortgage Funding seems so reluctant to send us that appraisal, we can only conclude that no appraisal at all was done. We are now asking you to refund the entire {$450.00}. ''

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi there On XX/XX/XXXX an inquiry from XXXX XXXX XXXX ) show on my credit report ( XXXX ) that i did not authorized. 
On XX/XX/XXXX an inquiry From ( XXXX ) show on my credit report ( XXXX ) That i did not authorized. 
On XX/XX/XXXX an XXXX From ( XXXX ) show on my credit report ( Transunion ) That i did not Authorized. 
My name is XXXX XXXX and ( XXXX ) is showing my name as XXXX XXXX XXXX i have never had a middle name.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: AZ
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:
Account reporting incorrect information. Incorrect payment history. Please have this removed right away. Thank you.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: OH
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 XXXX accounts from XXXX XXXX XXXX on my report that I had no knowledge or consent I would like them to be removed from my report because they are not mines. 1 account was opened XXXX XXXX the other 2 was opened on XX/XX/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 2020-12-09
Company: The Bureaus, 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:
On XXXX XXXX, 2020, THE BUREAUS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE BUREAUS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Lewis, McDonnell & Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Public record information inaccurate

Complaint:
XXXX reported inaccurate information on my credit file and shared it with XXXX and Experian. Attached you will find the letter from XXXX clearly stating the Bankruptcy placed on my file is unverifiable. Also PACER advised the data being reported as unverifiable. Please have them to remove the inaccurate data immediately please. Attached you will find the letter from XXXX clearly stating the Bankruptcy is unverifiable and removed from my file.

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 2019-06-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I learned in XX/XX/XXXX that I was receiving a monthly charge of {$27.00} to my XXXX credit card ( account ends in XXXX ). The charge was noted as " Experian* Credit Report XXXX CA. '' I contacted XXXX bank in XX/XX/XXXX and disputed the charge. My dispute of the XX/XX/XXXX charge of {$27.00} was resolved in my favor. I learned that Experian had been charging my credit card {$27.00} each month beginning in XX/XX/XXXX. I attempted to dispute all monthly charges. XXXX informed me that I would have to open a Fraud case. 

I can not recall nor do I have any knowledge of enrolling in any product or service from Experian. 

I have attempted to contact Experian multiple times. I called XXXX. I also called XXXX. I also called the toll free number for customer support provided on www.experian.com. Each call is to an IVR that provides no option to speak with a customer serv ice representative ; I have been unable successful in reaching a human at Experian with whom I could speak. 

I attempted to resolve this problem on-line using www.experian.com. I was informed that I am NOT an enrolled member for any Experian services or products. Nonetheless, Experian has charged my XXXX credit card {$27.00} each month beginning in XX/XX/XXXX. 

I was forced to close my XXXX credit card account due to it being charged from Experian each month. The account has been closed. 

I had to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2022 I asked claims department to investigate and provide me with original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: WA
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 asked for a method of Verification ... 
Experian did not investigate or show any documentation proving that the negative information on my report belongs to myself. 
They continue to use the XXXX XXXX system that is not a sufficient form of verifying.

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 2023-01-07
Company: Thaxton Investment Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector added a collection on my credit profile in the amount of XXXX by the name of XXXX XXXX XXXX  and I have no recollection about this account.I have ask to send me proof of this debt and have heard nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: General Motors Financial Company, Inc.
State: NJ
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:
22 hard inquires on my credit report, i did not look for these multiple online inquires. 
all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
1. I have no way to contact the customer service for this account. 2. I have no way to access my statements. 3. I hav
e no way to access due dates for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Santander hasn't reported my good standing to any credit bureau. I called on XX/XX/2023 to inquire the reason why they won't reporting my good standing to any credit bureau ; didn't get any adequate answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Atlas Collections Inc. (of New Castle)
State: IN
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:
XX/XX/2020 Collector called while I was at work. I tried to comply and come up with a payment plan. The woman suggested a low of which I am unable to pay and she said they only offer payments as a courtesy and they dont HAVE to accept payments. I said it was a show of good faith and that it could be withdrawn automatically from my account every pay ( bi-weekly ) and she refused to accept it. She threatened me with additional court costs and fees and I said then I will file for bankruptcy and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: TN
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:
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since XXXX Chase continues to report under credit journey the name XXXX and credit information and accounts that are not on my reports. This is not reported on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
On XX/XX/2022, I sent a letter to American Express asking them to verify a debt by providing the original signed contract. This letter was sent certified and received on XX/XX/2022. I received a response stating that my address did not match what they had on file. I sent a follow up letter asking for verification of the debt since I had not received one previously. When they responded, they said it was a duplicate request but did not send the original signed contract with my signature on it. Shortly after, they sent around 300 pages of statements, but did not send a signed original contract verifying that the debt did in fact belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: VA
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:
There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but Equifax and XXXX  has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about it.

Company response to consumer: Closed with explanation