BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-19
Company: Bread Financial Holdings, Inc.
State: IL
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:
I review my credit report and noticed an incorrect inquiry for an account that is not mine and that I have no knowledge about. dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus/Agencies ( Experian and XXXX ) and the Creditors ( XXXX XXXX ( 2 ) and XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 2021-04-13
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 {$3200.00}, {$1900.00}, {$2900.00}, {$690.00}.

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 ) -- OPEN ACCOUNT 1. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016 I sent Portfolio recovery a cease and desist after many contact from them at home and work about an alleged debt I don't owe. They ceased to contact me for a few months however I just received another letter at work regarding the same account. They continue to harass me on a debt that I don't owe. I've never had a credit card from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: ID
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:
Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that? 
Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time. 
Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Back on XX/XX/2015, I purchased a Used Car from Salesperson XXXX XXXX at XXXX XXXX XXXX. The car was in fairly decent condition and I trusted them because I was purchasing from the dealer. I was given a price by Mr. XXXX which was with everything included. Little to my knowledge that I was paying {$38.00} a month for XXXX which was bundled into the full price of the car. I never asked for it nor was it ever honored when I tried to use it. I contacted XXXX XXXX XXXX and asked to speak to the manager who rudely cut me off and is never able to take my calls. At the end of it all I wouldve paid close to {$3000.00} for something that I never wanted nor that asked for. Very shady business practices. XXXX XXXX XXXX is located at XXXX XXXX   XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
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:
I had a crazy identity theft issue happen years back. The FTC gave me some great resources to fix nearly all my issues. The FTC and my local Police department helped me remove all fraudulent accounts except for one XXXX XXXX account. Equifax removed everything except for this account. I'm not sure why or if it was just a mistake. I understand they get tons of disputes daily and may have just over looked this account. 

I have again provided all the documentation I can provide. FTC identity theft report, police report, letter from XXXX member services that states this account should be removed. At this point, we're all out of ideas besides going to court but my attorney said to give the CFPB a try and see what happens before we go to court. Me and my family just want to solve this issue and get our life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
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: Information belongs to someone else

Complaint:
EXPERIAN AND XXXX XXXX CRA VIOLATION NOT MINE SENT XXXX XXXX INACCURATE INFOMATION HIPPA VIOLATION

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 2019-05-19
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I originally took out this loan and another to pay for repair parts for my RV I live in. After investigating the illegal lending practices this lender engages in, I decided to refinance both loans through my local credit union. I call Amplify Funding for a 5 day payoff amount and they did not explain the ridiculous way they handle mailed payoff checks. When I called 3 business days prior to the first payment due date to tell them to not attempt to collect the payment by EFT which was within the guidelines of loan contract, I was then told that they only pick up their mail and process any payments by check on Fridays. I expressed my frustration and outrage at this obvious attempt to charge illegally charge me with late fees and accrued interest but to no avail. After several phone calls and emails, they finally located the check and processed it on the payment due date but not before they attempted to illegally charge my checking account with the first payment twice that same day. As attempting to call this a payday loan AFTER the loan was signed, I assume they did this to avoid the laws regarding standard lending practices. The XXXX rates this company with an " F '' rating due to 33 similar complaints have been made to them regarding Amply Funding 's scams against their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Butte County Credit Bureau
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: Public record information inaccurate

Complaint:
Butte county credit bureau was sent 2 letters from from my attorney I filed a Chapter XXXX Bankruptcy Case XXXX-XXXX. 
Butte county credit bureau I tried to work with them on why they keep credit reporting me every month when I filed bankruptcy and they were notified it was a chapter XXXX by the attorney they told me I still owed the money and had the right to continue to credit report until it is paid in full or charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: SinglePoint GI
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company General Revenue XXXX called my workplace and disclosed information on me and my debt. My work does not allow these calls and they have asked them not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to the Credit Bureaus last XX/XX/2022 requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to respond and yet they have sent me nothing. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.

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 2020-06-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!

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 2021-10-13
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX  XXXX XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX. This violates FDCPA Section 805 ( a ) ( 1 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In the later part of 2019, Citi Bank advertised a promotional cash bonus of {$700.00} for any person to open a Citi Priority savings account with a Citi Priority checking account, with an initial cash deposit of {$50000.00} and maintaining that deposit for a period of 60 days. 
Based on this solicitation, we opened a Citi Priority checking account and a Citi Priority savings account on XX/XX/2019 with an initial funding of {$50000.00} and maintained that cash deposit continuously in our accounts through XX/XX/2019. 
To date, Citi Bank has not followed through with the cash bonus of {$700.00} as promised in their original solicitation. 
We contacted Citi Bank a number of times on this issue, to no avail.

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 monetary relief
Consumer complaint received 2020-06-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
original complaint filed was XXXX The bank has created a letter and signed over a small amount of money to me as a credit but they are covering their tracks and writing misleading letters non of which has accurate information. 

I am trying to resolve this issue after 7 plus years and this last complaint was closed so a new one needs to be opened up. 

I have attached the email sent to both the XXXX branch XXXX and the Vice President of BMO Harris Bank named XXXX XXXX. This email is in response to the signed letter to me dated XXXX XXXX by XXXX from BMO Harris.. 

It is in direct opposition to their letter to me which was supposed to rectify this previous complaint filed and was created to cover their tracks in my opinion. 

Harris Account number ending in XXXX has been reported 90 + days late on 25 occasions and they refuse to change this on my credit report as well.

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 2021-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Services and XXXX XXXX XXXX XXXX Firm We lost our home due bankruptcy fraud by the lender ( debt collector ) SPS. 
We failed our Chapter XXXX bankruptcy Case # XXXX scheduled on XXXX XX/XX/2019 and was denied an " Opposition of Hearing '' by XXXX XXXX XXXX lawyer , XXXX XXXX XXXX retained by SPS by mail on the day of our court hearing, not certified mail. 
XXXX XXXX XXXX lawyer presented falsified documents to the court such as robo-signed by XXXX XXXX XXXX XXXX XXXX XXXX of MERS on behalf of XXXX XXXX the Trustee . 
We learned after the fact that this is common practice of XXXX XXXX XXXX XXXX XXXX, violating the Penal Code 115-PC. 
We are hoping to reopen our case to recover damages. We are both are seniors XXXX and XXXX years of age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity thieves they got my information and used my credit card and I was paying my bills every month on time until this happened I did contact the company of what happened but they still wanted me to pay the bills

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: MI
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 disputed inaccurate information with XXXX  XXXX and Equifax for 3 months regarding accounts that are not mine. 

XXXX Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: JPMORGAN CHASE & CO.
State: FL
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:
Had Chase credit card for 7 years with auto-debit to a bank account never a problem. For some unknown reason ( postal service included ) they cancelled the credit card and auto-deduct from my bank without myself receiving any notification that the card was stopped until I tried using it. In mean-time balances not being paid over a few months  Chase Explorer Card notified credit agency and reduced my FICO score  that has been " very good " for 40 years and accrued interest and fees on my balance. I might add that I believe they charged my account an annual {$95.00} fee the month prior to cancelling the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX XXXX {$690.00}

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