BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Between XX/XX/2023, and XX/XX/2023, Experian allowed a dispute to be added to my credit report file by XXXX XXXXXXXX XXXX against my will and was not authorized or disputed by me. This statement by XXXX XXXX has affected my credited worthiness and has harmed my ability to receive credit from other lenders. 

The account was Charged-off and there is no Account #. The amount is for {$1500.00}. If Experian has proof of this dispute received from me, please forward it with your response to this complaint.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from debt collection agency Convergent Outsourcing XX/XX/ that has purchased the debt from XXXX XXXX. The letter thet mail me is a debt collection letter violating my rights as a consumer. I requested debt validation and the have blatantly ignored my request.They are violation and as a result I have suffered credit denile, distress and defamation of character. I have attached a letter from them with all violations. I have also attached a bill of particulars and proof of mailing. As a result of there misconduct. I have mailed them a debt validation request. They have not sent the documents requested to validate the debt and they continue to report fraudulent false information to the Credit Reporting Agencies.

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 2022-12-22
Company: NEW YORK COMMUNITY BANCORP INC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
With inflation of groceries and people not fixing their cars and my boss added my service advisor. My commission check is smaller than usually and keeps getting smaller hopefully with the new year it will get better. This has been going on since XXXX of this year. And I am they only one working

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 2023-06-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE. Can you delete this ASAP and send me and update.

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 2023-02-27
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of XXXX dollars. I applied online for a loan and somehow scammers got my information. They deposited money into my account and called me and threatened me that I had to send it back ( through the payment platform XXXX XXXX. The money they sent me disappeared from my account, therefore the money I sent them was mine. I bank with pnc which uses XXXX through there Mobile banking app. Pnc refuses to refund me. I contacted pnc immediately letting them know I was scared and had transferred the money back, and pnc did nothing about it. This all happened on XX/XX/XXXX, I just realized yesterday that the money these people had sent me disappeared from my account and that they stole my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 United Wholesale Mortgage transferred my account to XXXX XXXX and marked it as closed. In XX/XX/2022 my credit score went down XXXX points due to this mortgage loan being marked as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, TRANSUNION and XXXX are reporting incorrect information for a XXXX account. Account name, number, balances and payments are wrong.

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 2023-02-20
Company: JPMORGAN CHASE & CO.
State: NY
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 XXXX XXXX XXXX XXXX and JPMCB has violated my rights. 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also stated that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I paid Stenger & Stenger ( case number XXXX ) in full. I have requested several times ( last call XX/XX/2023 ) that Stenger & Stenger notify the court that this judgement has been satisfied. As of today 's date I have not received a satisfaction of judgement letter from the court. Spoke with XXXX today, she offered to send a XXXX balance letter to me, I declined. I requested a " satisfaction of judgment '' letter be sent to the court asap!! It appears this judgement was filed in XXXX XXXX Georgia and XXXX XXXX Georgia court, I requested the letter be sent to both courts. XXXX said she would file another complaint today to get this take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I made a {$63.00} payment to this card on XX/XX/XXXX using my checking account. When I logged in this month to make a payment it shows that I am over 30 days past due and when I checked my credit report they had also made note to the bureaus of the past due payment. I called Kohls call center and they advised that there may have been an issue or typo with the account information I used to make the payment. I made a double payment to make my account current on XX/XX/XXXX but when I spoke to the rep I asked about the 30 day late. Kohls NEVER contacted me to know that the payment was unsuccessful and did not give enough time for me to correct the issue prior to hitting the 30 day late mark even though during that time frame they reached out multiple times with promotional emails. I am just asking that the 30 days late is removed from my credit, as I've been working hard to repair my credit and this caused a XXXX point loss. Had Kohls contacted me to let me know of an issue with my initial payment I would've resolved this prior to incurring a derogatory mark on my credit. The rep on the phone said that once the payment cleared I should dispute the late with the bureaus since the blame fell on Kohls. They also charged me 2 late fees- {$29.00} and {$40.00} for this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was sent money to my PayPal account to distribute to my deceased friends children. The money was sent on XXXX XXXX, and I distributed the money in the days after. On XX/XX/XXXX I received a message from PayPal, indicating that there was a dispute filed against that charge, saying that it was fraud. They closed the case and refunded the money making my account {$33000.00} in the negative. They told me that my friend was the one that called in about the fraudulent charge. He is deceased so he could not have made the call. PayPal never reached out to me so I can provide them with the evidence that I have to show that whoever is pretending to be my friend XXXX is not who they say they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} 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 non-monetary relief
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$4900.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$28000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Huntington debit card was used fraudulently. I reported it to the bank and they refused refunding the unauthorized transactions. I was out of town when the transactions took place and provided the bank all the documents showing I was out of town during that time my phone was not in my possession. It was left on the porch and used by somebody else, I was in a hurry and removed understood that I left my phone behind. Also, I had no reason to suspect that something could happen with my funds in my checking account because originally the bank Huntington bank denied me a debit card saying I dont qualify for one. I didnt expect they going to be sending me one in the mail which they did. It never reached me as I wasnt home and it was used unauthorized, now theyre denying refunding me the unauthorized transactions saying that the tax was sent to my phone in a reply obvious was received. I never received any text, nor if I had a reason to expect Im going to be receiving a debit card when they denied my debit card, none of the transactions were made by me. I was out of town from the XX/XX/XXXX to the first week of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 
Account name : XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any

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 2023-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/2022 I refinanced my vehicle loan through Capital one. The loan was originally through XXXX, and both my ex fianc and myself were cosigners on the loan. Before signing the paperwork I asked if my ex fianc would be removed from my car title if I refinanced and I was told that he would be. Recently, when attempting to trade in my vehicle, I found out that he was never removed from the title. I spoke with the PA DMV and they told me to speak with my loan provider, and when I contacted capital one they told me that I needed to go to the DMV. At this time I can not sell or trade the vehicle because capital one never removed my ex from the title. I am unable to contact my ex because I do not have a phone number or address for him. I need capital ones help to correct the title and have him removed, I am the only one financially responsible for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: WI
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ) & ( ACCT # XXXX ), XXXX XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ACCT # XXXX ), XXXX XXXX XXXX  XXXX ACCT # XXXX ) and, XXXX XXXX  XXXX ACCT # 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$63000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$63000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$59000.00}.

Company response to consumer: Closed with explanation