BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: Diversified Consultants, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under Diversified consultants and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX  that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to Diversefied consult and XXXX.thankyou in advance CFPB for your help with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen and someone tried to use my information to open accounts in my name without my permission these inquires ALL NEED TO BE REMOVED as it is a burden on my life and finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 had a Kohls credit card through Capital One. I had been making payments on the card until XX/XX/2019 when I paid the {$740.00} balance off. I requested at that time for the card to be closed. What I didnt know until a credit alert through XXXX   on XX/XX/2019 was that I had paid them twice. 

I received an alert from XXXX that I had a past due bill of over 90-days in the  amount of {$770.00}. I called Kohls and the stated I did have a credit balance and they would mail a check for a refund. I requested they notify the credit bureaus. They said they would. As of today, I still have a past due balance and it continues to accumulate in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Account Managers, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Grimm Collections is trying to collect on a debt that they can not verify. The debt was already unverifiable with XXXX and XXXX. Grimm Collections is still illegally reporting to XXXX a debt they can not verify.

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 2019-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently my mortgage servicer returned the mortgage payments they received from me and denied the modification. I resubmitted request for mortgage assistanceXX/XX/2019with financials. My home burned and I had burns over half of my body. I'm still recovering, but I'm working and my home has been rebuilt. Select Port Folio is unwilling to assist me with keeping my home. I would appreciate your assistance with my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the TransUnion, XXXX, and XXXX  they tell me in writing that they've contacted the company " XXXX XXXX '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.

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 2020-09-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to Equifax via Certified Mail # XXXX XXXX XXXX XXXX XXXX which was received by Equifax. In that letter I requested that the following addresses and business information be deleted from my file because this information is inaccurate, outdated and most of which does not belong to me ... and again should be deleted/removed from my profile to show accurate reporting in my profile Pursuant to the Fair Credit Reporting Act 609. They have not removed this information as of yet.

Address Information to be deleted are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX Employment Information to be deleted is listed below : 1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/19 I discovered that my Chase Business Account was being closed. I called into their customer service number, and they mentioned a " letter '' was mailed to my mailing address to inform me that they needed more information from me back in XXXX. 

When I asked what letter the representative could not tell me what letter. When I asked if it was so important why did they not email me? 

Chase rep replied : Because this type of letter needs to be mailed and only done through mail. 

I replied : I did not get such letter, why did you not send an email to me saying that a letter was mailed out? 

Chase Rep Replied : Because we can't do that sir, this letter only can be done by mail I then asked : Then why did you not notify me, the numerous times I called in between XXXX and Now for other reasons such as debit card blockage from your fraud detection system, why does your rep not bring up the fact that you needed me to show up in a branch or to fill out this really important letter if I failed to do so you would just close my account without notice. 

Chase Rep Replied : We gave you notice sir, a letter was mailed out in XXXX XXXX Clearly -- -- this is a very terrible business practice. I did not receive any letter from chase stating that they needed me to show up to a branch, or to give them any additional information. 

I have been with chase for over a year, and deposited over a XXXX dollars into this account. This sudden freeze and closure on XX/XX/XXXX was so abrupt that it will cause a delay in pay for ALL OF MY EMPLOYEES. They all have RENT TO PAY and families to feed. In addition to that, this will severely cripple my business as I am in the vacation rental business and have to pay for leases on multiple properties. 

___ After all this I asked how soon will I get my check. They said between 7 - 10 business days!!!!!! How is this fair to me as a consumer with this abrupt closure at the end of the month ... and to wait 7 - 10 business days? This is all my money which I need to conduct business, pay bills, pay employees  etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. Constant phone calls and when I answer they always hang up the phone.

2. I finally called the number back after they would always hang the phone up after Id answer the phone and they did the following : A. Kept constantly switching their responses on why they were contacting me B. Said they havent received payment since XX/XX/2019 when they automatically deduct my account every 2 weeks for over 2 years and account information never changed and funds available. When I stated this, they then changed it to they wanted me to increase my monthly payments on it. When I stated I cant increase my payment bc I was laid off in XXXX and just started a job only a few weeks ago ; she then changed her response to I have to pay them the full amount of XXXX or either settle for {$5000.00}. She stated they would no longer accept my payments of {$50.00} every 2 weeks bc I had been paying them that same amount for 2 years. The. She stated they tried to mail me but kept receiving return to sender mail back to them. I told them they were lying bc I never received a letter from them and Ive been at my address for over 2 years and USPS does not do return to sender mail when there is someone living at that address. She didnt say anything after this. They stopped payment on this account without notifying me. Then demanded I pay the whole balance and said they wouldnt accept my monthly payments anymore. I finally told the lady they would have to contact my lawyer at 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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Joint credit card with Capital One Credit Card. Payments made by ACH ; XXXX XXXX rejected the ACH payment due to a bank error. ACH payments reversed off credit card, while auto charges applied to credit card continued - forcing the credit card to be over it's credit limit. Credit Card company reported the high credit amount as - " Highest Balance {$18000.00} '' while credit limit is only $ XXXX therefore credit report reflects as if we went over our credit limit. Bank admitted to the error and issued an update to Capital One to correct " Highest Balance '' error. Dispute with Capital One Credit Card results in - correctly reporting the status of the account with the Highest Balance at the {$18000.00} which is affecting credit score and causing harm due to trying to refinance. XXXX XXXX  admitted fault, and issued a letter of correction to Capital One and I issued copy of the same letter with dispute ( as this occurred over 3 months ago ) Capital One is not honoring letter from XXXX or our dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TrueAccord Corp.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email from a debt collector TrueAccord, saying that I owed {$14.00} on a XXXX XXXX account. I called XXXX and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

XXXX told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no XXXX branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian continuance in reporting false, defamatory, libelous statements that are untrue relevant to child support. XXXX XXXX XXXX agreed to pay settlement ordered by court. In support of agreement provided attachments.

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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX in the past concerning the accuracy of the information that they was provided to Equifax XXXX and XXXX I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX  provided me with a document that clearly shows no signature XXXX  violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2019-05-30
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX )   XXXX**, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. Some were deleted but Transunion did not delete them all

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 2019-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019 i received a paper check from my job. {$1000.00} to be exact. I took the check to my bank ( Bank of America ), i deposited the check and they told me it wouldn't clear until the XXXX. I check on my mobile app and it has a hold on it until the XXXX. I've called customer service, I've entered the bank and talked to them and nobody can tell me anything. The fact that i can't get any help from anyone is frustrating. I'm late on my bills and i need my hard earned money. It wasn't a personal check, and it's under XXXX dollars. But regardless, i need answerss and i hope this can be resolved by Monday

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 2021-08-09
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:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the  documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.

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 2021-02-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
# 1 they have bad customer service # 2 they XXXX XXXX  # 3 I try apply for a credit card but they deny me because someone used my name to open a account # 4that account is fraud # 5 I already do a fair shake lawsuit they already got it in XXXX in 2020

Company response to consumer: Closed with explanation