BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 
This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Experian has persevered with reporting the fraudulent bks on my credit report. In my last conversation with Experian on XX/XX/XXXX, they claimed they reached out to the court and the court asked them to keep the information on my credit report, then when I asked who at the court they spoke to, I was told that it was not a third party vendor. More perplexingly, after that the representative told me Experian will under no circumstances block the fraudulent information from my report and I have to go to court and get a judge to authorize the removal of these accounts. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police Report with XXXX Police Department, The Federal Trade Commission ID Theft Report and Affidavit. Experian 's response refusing to block fraudulent items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For a few years, I have not been able to get Experian to supply my credit report. I 'm not able to pass the verification process for just that report and I presume because of identity theft of some kind.

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 2015-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This bank is terrible. They like to make bad judgements on their customers. They closed my account without my knowledge while checks were outstanding and did n't give me a chance to make it good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions XXXX XXXX Inquiry : XXXX. XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Motorcycles & Bicycle Sales/Svc ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX, has violated my rights.

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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

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 2020-08-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I live at least 2 hours from the closest Chase Bank Branch. I established the accounts online and it would not let me add my wife when I opened the accounts. I want to add her to all accounts with chase as an owner, but they now require that I drive to the branch and have with me to add her as an owner. I am XXXX years old and it is a hardship to travel. I would like to add her as an owner online but bank policies will not allow that. If I pass on before her, I need to have her on it as an owner so that she will not have a problem claiming the funds in my accounts. What can be done for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$23.00} XXXX XXXX XXXX XXXXXXXX Balance : - U S DEPT OF EDXXXX XXXX Balance : -

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 2016-04-16
Company: Paypal Holdings, Inc
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I get a letter in the mail saying I owed {$19.00} for an account on Pay Pal Credit that I never opened or used. I have a regular Pay Pal account, so someone tied both of these together without my permission. When I try to pay them with my credit union checking account., they refuse payment, and want to to send a check to them. No, I do not send checks, due to the fact many people get defrauded and their checking accounts hacked, by sending them. I tried paying with a credit card, and they refused ( because I just want it to go away ). So, they have said they are going to take legal action against me, on this, and will destroy my good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Conn's, Inc.
State: TX
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 did not add any new credit inquiries to my conns report. One showed up in XXXX and I recently got another that should not be there. Please help to remove the inquiries hard credit pulls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have repeatedly requested a legislative security freeze at no costs in full accordance with FCRA and all other applicable Federal law for victims of identity theft. I have provided documents verifying that I was the victim of identity theft ( including but not limited to the identity theft police report and notarized affidavit ) and the verification letter from the Commonwealth of Kentucky Social Security Administration verifying that my social security number was changed in 2004 as a form of relief from the identity theft from which I 've suffered ... Every time I speak with XXXX ( if I can reach her ) she has claimed no receipt of my documents. Clearly, I have provided the documents because even XXXX displays an Extended Fraud Alert which is only available to those who 've shown proof of identity theft. I have faxed the documents to XXXX ( the number provided by XXXX XXXX at XXXX ) or ATTEMPTED to several times, but there is always a busy tone. I have tried to upload the documents at experian.com/upload but there is always a pop-up window that states my submission can not be accepted online. Experian, XXXX and XXXX have all evidently restricted my access to their online portals and even general customer service, because when I call the rep who initially answers always advises me that " my account is being handled by an escalation team member. '' That appears unduly punitive, tedious and cumbersome for me especially when the said escalation team member ca n't seem to handle my basal credit report and identity theft protection needs. It 's ridiculous. I have a legislative security freeze with XXXX and XXXX. I need XXXX for Experian as well. This should be simple to obtain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
CREDIT REPORTING COMPLAINT AGAISNT CHASE In 2011 we found ourselves buried under a mound of debt and enlisted the services of a debt consolidator. All of our debts were amicably settled accept one, Chase Account # XXXX. 
We did not find out until recently it had not been settled. Chase had sent us a XXXX which we thought closed the account. What we found was that while we received the XXXX Chase continued to show the debt was open and had monthly payments due. We also found that two offers had been made to the third party representing Chase to settle the account but the offers had been refused. All this came up because I needed a loan to replace my heat pump and had no credit. 

I contacted Chase 's customer service and was told the " XXXX was issued as a courtesy to the IRS to inform them Chase was no longer attempting to collect the debt and they still considered it open ''. As I read the XXXX it clearly states " Summary of Form XXXX Cancellation of Debt '', not this is provided as a courtesy to the IRS but is really still open and due. Further Line XXXX says " Amount of debt discharged ''. How can this mean it is still open and due. I contacted Chase 's customer service once again and was given the same story even when I pointed out the XXXX reported the discharged amount as income to me and made it eligible for a tax write-off for Chase. 

At this point I requested to speak to a supervisor. The gentleman was pleasant and understanding but said there was nothing he could do. He offered to have his manager contact me if I would like and I accepted the offer. Late one Saturday afternoon a couple of weeks later I got a call from XXXX who identified himself as the manager, gave me his full name and employee number ( which I did not write down ). After a pleasant conversation he agreed I had a reasonable complaint and checked with his system which showed our debt had in fact been closed. Nothing was open and nothing was due. Yet he could not get this removed from our credit history as it was the responsibility of another group. 

I had reason shortly after this to visit the IRS and while I was there asked about the meaning of the XXXX. I was told it did in fact mean the debt had been discharged and if Chase refused may want to consider contacting the FDIC ( who 's phone number he gave me ). I did and they directed me to you, the Consumer Financial Protection Bureau. The only reason I can see for Chase to refuse to remove this ex-obligation from the credit report is pure and simple spite. By issuing the XXXX they have reported the discharged debt to the IRS as income to me and have provided themselves with a tax write-off if they choose. There seems to be no reason for this to continue to show up as an open debt on the credit report. Am I missing something? 
A copy of the XXXX is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
PURSUANT TO 15USC1666B THERE IS NO SUCH THING AS A LATE PAYMENT!

PURSUANT TO 15USC1666D THE ALLEGED CREDITOR FAILED TO CREDIT MY CONSUMER ACCOUNT!

PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( A ( i ) SUBSECTION ( d ) CONSUMER REPORT SUBSECTION- ( 2 ) EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE -- -- - ( A ) subject to section 1681s-3 of this title, and -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; YOU ARE NOW WILLFULLY NON COMPLYING WITH THE LAW!

Pursuant to 15USC 1692g I have the right to request the method of verification on how the following accounts are being reported. 
Please send the following information used to verify the validity of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If you could not produce such docs within 15 days you should delete the accounts from my report to prevent further damage. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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 2017-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with SPS since XXXX of 2016 my file for modification was denied in XXXX I have submitted the additional income that was not calculated in the application and to today every time I call each representative is telling me something different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sold a website to XXXX XXXX for {$1700.00}. As the beneficiary, XXXX XXXX  tried to pay me through XXXX XXXX XXXX XXXX on XX/XX/2022 and the fund ended up at Wells Fargo ( an intermediate ) on XX/XX/2022. Wells Fargo couldn't apply the fund due to my account 's limitation that I wasn't aware of at the time - wrong account type ( XXXX  doesn't allow international wires )- so it was returned to the originating bank, XXXX XXXX XXXX XXXX  on XX/XX/2022. Confirmation ( from Wells Fargo ) is required for the availability of this fund. XXXX XXXX XXXX XXXX claimed they have submitted several confirmation requests ( including follow ups ) but Wells Fargo isn't responding.

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 2015-03-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX XX/XX/2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance company pass and I give them a copy of my insurance card at that time. 


Accordance with the fair credit it reporting act XXXX  account # had violated my rights. 
15 u.s.c 1681 section 602. A. States I have the rights to privacy.

15 u.s.c. 1681 section 604 A section w : It aslo states a consumer reporting agency can't fumish a account without my written instructions.

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 2022-10-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding CFPB complaint # XXXX Attached are the proofs. 

XXXX Bank letter proves that identifying information was there to apply the payoff balance on XX/XX/22. The error is on XXXX XXXX, ShellPoint, NewRez. 

XXXX the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation