BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is in violation of my Privacy I didn't sign nor consent to them reporting XXXX XXXX. I'm Demanding them to send me Documents, files, and or Statements where I've signed stating I gave them permission to report my Personal Information. I sent them a Cease and Desist With my Demands See Attachments. 15 U.S. Code 1692c - Communication in connection with debt collection they are Directly Violating this section without regard of my Non public information being involved ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

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 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX   which was bought out by capital One but instead they stated that it was a debt with XXXX XXXX XXXX that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of XXXX XXXX XXXX XXXX XXXXCapital One. This debt was Re-aged and XXXX XXXX XXXX did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made XXXX XXXX could not. The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by Capital One/ Then was Re-Aged by XXXX  XXXX XXXX which is illegal and in clear Violation for the FCRA and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A credit card was opened in my name for Synchrony Bank/ Paypal XX/XX/2015 I believe this was opened fraudulently Incorrect address : The address used was an address where I had lived but did n't ever use. I only ever used my business address. 

Social Security number : the social security number used to open the card is not correct. 

Type of account : I was told that this was a business account. I would have used a tax ID to open this account rather than a social security number. Again, I would have certainly used my business address. 

Pattern : If you look at my credit report please note that every other line item is in good standing. The line item related to this credit card is uncharacteristic of the rest of my report. 

I have called Synchrony Bank to investigate the account. They are unable to give me much information. They are also unable to research any fraud as they have sold the account. 

I called XXXX XXXX who Synchrony Bank sold the account to and XXXX has yet to enter the information into their database and ca n't tell me when they will have record of my account. 

Right now no one can access my account and there is nowhere to investigate fraud or appeal the charges. I have no way of knowing when someone will have the information to be able to help me deal with this. I am hoping you will remove the line item related to Synchrony Bank and re-score my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX CAPITAL ONE {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX {$390.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CAPITAL ONE AUTO FIN {$32000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX  {$200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  {$3600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase Bank has charge me late fees in the amount of {$25.00} for XXXX XXXX, XXXX and XXXX XXXX, XXXX although the due date is on a Saturday and Sunday which is not their legal dates of customer bank operations. I have called and I am being lectured by the Customer Service supervisor XXXX of how many days that I have in the month to pay my bill. I consider this very rude and inconsiderate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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:
Any accounts listed on an identity theft report must be removed or blocked by credit reporting agencies in accordance with FCRA section 605b. In order to help stop erroneous data from being posted on my report, I have included a few files. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The original creditor XXXX charged illegal, exorbitant and unsubstantiated fees after I moved out of my apartment. XXXX actually owes me money from my deposit which they illegally withheld and assessed extra fees arbitrarily. The carpet was spotless upon moving out. They also charged me some random fee for carpet removal in excess of {$350.00} and provided no receipt for this work. They simply said that the work was done by onsite maintenance staff. When I asked them to provide proof that the maintenance staff was paid the {$350.00} for carpet removal, they could provide none. The maintenance staff is paid hourly and they could provide no proof of the fees. These fees are a punishment, completely fabricated and spurious. XXXX Owes me money. I demand that XXXX reimburses me for the carpet cleaning fee, the carpet removal fee and removes this collection from my credit record and restores my good rental history in XXXX at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021

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 2022-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-07-25
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: Account status incorrect

Complaint:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXXXXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2016-06-22
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was on autopay. There should be no balance on the sccount. Was not aware of the balance until it went to collections. Need this removed immeduately and if they prove that i have not paid it, i will pay it. I moved in XXXX 2015 and have not had XXXX since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
XXXX ) The XXXX XXXX XXXX account has been on my report since XXXX ( 25 years ), it was closed in XXXX XXXX statute of limitations is only 7 years, so this account should have been DELETED in XXXX. 

XXXX ) XXXX XXXX  was last reported/closed XXXX, this also exceeds the statute of limitations of XXXX  years and should be DELETED from my credit report. 
XXXX has deleted this account after i requested it based on this fact. 

XXXX ) XXXX  was closed and last reported in XX/XX/XXXX per XXXX and XXXX, again this exceeds the 7 year statute of limitations and should be DELETED from my credit report. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX was closed and last reported in XX/XX/XXXX, again the statute of limitations is only 7 years.This account is more than XXXX XXXX XXXX and should be DELETED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
These are not my accounts, nor did I authorize these credit pulls.

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 2019-12-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  and XXXX XXXX continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage/home loan was purchased by Fifth Third Bank. I have tried to setup an an automatic payment via their website/online ; they do not offer this capability. If I try to call them - no one is available to speak to and the " hold/wait time '' is longer than 30 minutes. Instead I have to log on each month and create a monthly payment online ; their systems are so compliated and inept - they have " over collected '' on effort to reduce my principal twice. Again - I have tried to reach them by phone to find out how/why they are unable to properly process my payments - but again if I call someone the wait times are longer than 30 minutes. 

Not sure how in this day and age all roads having to speak to someone " live '' at their company and they can make me have to wait for more than 30 minutes. Initially - just signing up with this banking organization was nothing short of horrific. Worse banking experience I have ever encountered. Again - I could not " log on '' and create my Fifth Third online account without someone stepping in and helping me over the phone.

During the pandemic - its hard enough to get by without the additional hoops and hassles this bank has caused me. Thinking of refinancing just to get away from these fools.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). the following accounts are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX , DEPT OF ED/XXXX # XXXX, DEPT OF ED/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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion has FAILED to delete an account off my credit file that I DID NOT open. I sent them a police report and shown that the account has different billing information on it other than mine. Every knows how easy it is to apply for anything online without physical verification! 

One credit bureau has already deleted the account instantly as attached. 

I DEMAND TRANSUNION TO DO THE SAME!

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 2019-12-27
Company: DISCOVER BANK
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:
Over the past year, I have been proactively identifying and disputing accounts and personal information that was fraudulently opened under my name and social security number without my knowledge and consent. There is one particular creditor, Discover,  that currently reports to of the credit bureaus ( XXXX and XXXX ) and will not cooperate to help me remove this unauthorized and fraudulent account off my credit report. I have consistently dispute with proper documentation as supporting evidence of this account being fraudulent and cause due to a case of identity theft. However neither credit bureau has properly investigated and removed the account, which is required in a situation like this, specifically because theres undeniable evidence which I have sent multiple times to both XXXX and XXXX as proof. Discover continues to update the account as valid, which is wrongful action to take. There is nothing on the account to validate, it simply does not belong to me under my name and social security number. Ive never opened an account with Discover under my name. It has severely hindered my financial abilities and outlook, specifically pertaining to my credit. To make matters worse, XXXX deleted the account only to reinsert the account a month later and this occurred in XXXX. It was done with no explanation and they did not provide any documentation as to why the account was reinserted and no notice was sent to my residence. XXXX also has been unwilling to cooperate and simply remove an account that is not mine. I am praying that this platform allows for a consumer like me to not be taken advantage and be punished financially for something that does not belong to me in the first place. I have placed fraud alerts on both credit bureaus, I have sent in proper and detailed documentation to support identity theft and this account being fraudulent and no proper action has been taken. I am hoping I can get this resolved as soon as possible, as it is critically affecting my credit and ability to have options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

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 have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2015-03-26
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation