BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: KY
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:
By filing this CFPB complaint, I, XXXX XXXX, am informing the credit reporting agencies that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXXL XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.

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 2017-03-22
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, transworld systems incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage with HSBC was sold to XXXX and HSBC has reported that I have balances for defered interest and lender advances which I am not aware of. XXXX has said I have contact HSBC now HSBC is saying they sent all the info to XXXX. All want is a detailed in simple language who HSBC paid dates and amounts so I can check my bank records, because I pay Taxes and insurance myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015, Im received a cancellation email from American Express. After, receiving the email i called customer services, and then got transfer to a credit special in another department. Im ask them why my account were cancel, since i was making payment on time and my credit score and financial affairs are all good status. Agent said because my credit fall to XXXX on XXXX XXXX. Im explain to them that right at the moment i have a credit score of XXXX and do n't understand why they took this decision. Then the specially mention inquiries I 'm have done with other banks, and Im said I 'm have apply to other credit cards company during the last past days since my income have got up. Then the customer services he will take in to consideration and will give a decision within 90 days. I called today, and i spoke to another American Express agent and he said I 'm was denied. 

Im feel I 'm was discriminated and rejected for making payment on time and having a good credit score. Im have almost XXXX rewards point in less than 3 months and I 'm were trying to be the best customer and then for not reason at all they closed my account. I 'm believe I 'm lost about {$500.00} worth of reward points. Im strongly believe this is unfair and discriminatory and wonder how can you help me take this in to the next level, because what they just did it just unfair under bill of rights. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
DISPUTE CODE - 103 My personal information was stolen in 2018, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please delete and remove all inaccurate inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX [ FRAUDULENT ADDRESSES ACROSS ALL 3 CREDIT BUREUAS ] DELETE-40 XXXX XXXX XXXX, CT XXXX DELETE-XXXX XXXX XXXX XXXX, CT XXXX DELETE-422 XXXX XXXX XXXX, CT XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2016-12-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Judgement appearing on my credit report for Experian and XXXX. The Judgement was a court battle in which I had to pay my ex, attorney fees. This is not against me from a billing collector. Payments were not late and I paid the full amount as soon as I received the order. The Judgement was satisfied asap and was for attorney fees. I have no idea why this " Judgement '' from a child support battle would appear on my credit report or why my custody payments appear on my credit report. 
Thank you for any help.

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 2015-05-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i received a phone call stating that I owed a lot of money to the state and whenI looked more into it I noticed that there was a lot of information on my creditreport that was incorrect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of Identity theft in XXXX. I was not made aware of this until XXXX of XXXX. In XXXX I filed bankruptcy due to excess bills left from XXXX divorces. I purchased a vehicle last year and at that time I found out there were a few items on my credit reports that I know nothing about. I was also made aware that I could not write checks at certain establishments because of XXXX reports. I recently received my XXXX report and there are a lot of items that do not belong to me. Almost everything after XXXX of XXXX til XXXX of XXXX, besides my bankruptcy is not accurate. I do have a copy of my police report and FTC XXXX # XXXX and my ID theft # XXXX. How do I get this resolved? It 's a nightmare!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a dispute with Equifax for a judgement on my credit report. Said judgement was deleted from XXXX and XXXX but Equifax updated the file to state " satisfied ''. They then placed the date XXXX/XXXX/2015 as the satisfied date. I am not able to obtain a mortgage due to their misinformation. I have re-disputed this information twice and they will not change the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: NV
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:
Please see attached correspondence dated XX/XX/22, provided to XXXX, responsible for the Elan credit card closed for numerous reasons delineated in the correspondence. Note XXXX XXXX Elan : -violated contractual agreement to deduct autopay on file -fraudulently more than tripled the single {$50.00} charge ( to {$180.00} ) they failed to pay from my open account which contained several thousand dollars for in excess of a month after the charge was to have been deducted -have since been committing harassment, calling one or multiple times daily - documented by my cell carrier. 
-I believe they have fraudulently reported their negligence to credit agencies, significantly negatively impacting my credit score, resulting in meaningful damages - all above information was provided untimely, as they failed to send any correspondence to my proper address on file, disregarding numerous notifications of change of address in excess of one year 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This problem involved Venmo. My account was suspended one day for violating their policies. I did nothing different from one day to the other and have anyways used Venmo responsibility. I contacted Venmo through the mobile app. I was sent an email telling me I need to send a photo of my government issued id. I was very hesitant but ultimately did. 
I was turn told I need to send a photo of me holding the Id in order to verify my identity. 
I feel there are alternative ways to verify someone's identity. 
I cancelled my account and opened a new one and it was immediately suspended as well. 
I was next informed that I need to send a statement from the card in file for my account. Incredible! All kind of red flags went off with that. 
I would just like to have access to my account back but every time I comply with what is asked if me, something else even more personal is demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Army and Air Force Exchange Service
State: OK
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:
On XX/XX/2022 my account was reported delinquent. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is my XXXX COMPLAINT that I am a victim of identity theft and I COMPLAINT to dispute certain ITEMS in my file resulting from the crime. The ITEM am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. BK OF AMER XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}. This account is unknown to me. Also, the information provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) this item must be 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 2022-11-06
Company: Credit Karma, LLC
State: TX
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: Didn't receive services that were advertised

Complaint:
Around XXXX I saw a lot of pre approvals on Credit Karma . I didnt pay attention at first but Credit Karma kept notifying me of all sorts of pre approvals telling me I was 100 % pre-approved for credit cards, personal loans, and refinancing my vehicle. Everyday I would be notified of these offers every-time I logged in to check my credit score. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. Credit Karma sent me so many offers I started telling my entire family about investments and vacations we could use the pre-approvals for. So I applied around sometime in XXXX or XXXX and I got denied for 2 credit cards, a car refinance and a personal loan. I was very disappointed and deceived since I was marketed to for months and months of Credit Karma telling me I was 100 % pre-approved. This was a lie! I was severally stressed out and XXXX for weeks. My XXXX  went from XXXX to XXXX. Now every time I see pre-approvals I immediately shut my computer and cell phone off. This has caused me to be so uneasy and XXXX  that I no longer check my credit as frequently as I used to and should. Credit Karma has caused me severe trust issues for deeply deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by XXXX XXXX XXXX claiming to have the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX. The first time they contacted me was XX/XX/XXXX. I returned their call at which time they claimed that I owed over $ 5K to Chase Bank XXXX who really should be writing lots of checks to every XXXX given the widespread fraud they engaged in ). After being threatened with a lawsuit, after they did n't give me the " this is an attempt to collect a debt speech '' I was finally able to get the address above. I sent them a debt validation letter on XX/XX/XXXX with a strong cease and desist statement. 

Since this time they have called me 5 times. The message they leave contains an implied threat that I believe is illegal under the Fair Debt Collection Act. In addition, they have never provided me with a validation letter. They have only called, threatened and called me names XXXX XXXX XXXX. 

Furthermore, I received a XXXX which stated that Chase had forgiven a debt for the amount of {$2100.00} XX/XX/XXXX. I have disputed this with Chase directly and have yet to receive any information on this debt. I had to pay almost {$500.00} on my " income '' from this forgiven debt XXXX how come I have to pay taxes on forgiven debt that was never validated and that did n't ever exist, but XXXX XXXX did n't any of the now 7 times one of his companies declared bankruptcy? ). 

By my count, they have violated the law at least 11 times in this attempt to collect a fraudulent debt. They should be required to pay me the {$1000.00} per instance statutory penalty. Why have a statutory penalty that can not be enforced in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing all inaccuracies on my credit report with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my house in XXXX. 
I did a refi with Chase in XXXX. Rate was 8.1 % I am a small business owner. In XXXX my business was slowing down and did n't make the money I used to. I tried to refinance with Chase but was declined because I was a small business owner and did n't have enough equity in my loan. I called Chase XXXX XXXX to apply for the Home Affordable Modification Program ( HAMP ). I clearly qualified for the program based on the guidelines and I wanted to keep my home. After XXXX months ( XXXX of phone calls ) they finally told me that I was NOT APPROVED for HAMP. In XXXX XXXX I finally missed a payment due to my financial struggles. I tried for HAMP again. 
Finally got approval in XXXX XXXX for 2 % rate going up to 5 % by year XXXX. I made XXXX trial payments on time. After the trial period they sent over the " official '' terms of modification. It really was n't helping me stay in my home as it was putting the money I save in interest onto the loan. They said if I did n't sign that the only program I qualified for was Home Affordable Foreclosure Alternative ( HAFA ) short sale. I do n't understand why, I made all three payments on time and I wanted to keep my home. 
On XXXX XXXX XXXX I rcvd a letter from Chase that said they would pay me {$20000.00} to sell my house. 
I agreed to the HAFA program as I had no other choice and Chase was now threatening to foreclose if I did n't. As part of the HAFA program, Chase told me there are no payments to make as long as I followed the guidelines of the program. I listed the house with a realtor. 
XXXX I had offer that was accepted by Chase to sell house for {$230000.00}. Just before closing Chase sold the mortgage to XXXX. Short sale with Chase never happen. 
House sold XXXX months later with XXXX as the servicer. 

I feel like as a small business owner I was discriminated against. When I tried to refi I was denied even though I had XXXX FICA score and made all me previous mortgage payments. Then I was denied HAMP after trying for XXXX months. Somehow I got convinced ( XXXX ) into selling my house in a short sale and all I really wanted was to stay in my home. 

Now I ca n't get a mortgage ( even with a XXXX score ) because my credit report shows XXXX months of non payment between XXXX servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2022 Balance {$220.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-12-05
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/XXXX that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as CMRE had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation