BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
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:
I'm a victim of identity theft, it's been a frustrating situation for me for over 10yrs. I periodically monitored my credit and disputed inaccurate items as they appear, most were corrected but ONE! XXXX  XXXX XXXX insists I opened a account for a credit card XX/XX/XXXX in a state I never resided in. In XXXX I tried multiple times disputing this fraudulent item to no prevail, It's currently reporting negatively on my credit report as charge off for {$1500.00} I sent a copy of the original police report about the identity theft, the info I filed with the social security association and the report I had on file with the IRS and they insist the account was valid.

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 2023-03-22
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 {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. SECRETARY OF EDUCATION XXXX XXXX XXXX US SECRETARY OF EDUCATION SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED

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 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital One, XXXX Capital One, XXXX, VA, XXXX, XXXX Capital One, Credit Dispute Department, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The date of the inquiry is shown in my reports is XX/XX/2023 @ XXXX EST. The company said that they do not have any of my information on file & would fix the discrepancy within 30 days. It has been well over of 60 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2023, XX/XX/2023, XX/XX/2023 - Person/Agent of initial Contact is XXXX at the Nevada Office XXXX XXXX XXXX XXXXThere has not been anyone that is able to find an account or application with my information yet the Capital One continues to have a negative impact on my XXXX Credit Report XXXX I have called XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Two fraudulent checks were cashed and debited from my checking account on XX/XX/XXXX one for {$2200.00} and the other for {$2200.00}. The thieves had obtained my name, bank and account number and created fraudulent checks that required no signatures. They wrote on the back as " for deposit only '' again with no signature. 
I didn't notice the debits until XXXX of XXXX. I spoke with Chase Bank customer service and a claim was made in their fraud department. I was denied due to the notification was past 60 days. 

Better safeguards for preventing this type of thing from happening again need to be made. A computer program that recognizes this type of check as possible fraud and so flag it and not cash it from an ATM or phone. Bank employees trained to recognize this type of fraudulent activity. Banks not to cash any checks that do not require a signature on front and or back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: OK
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:
The 3 Credit reporting agencies XXXX, equifax, and XXXX have assumed a vital role which I have not given them express written permission to report on my behalf. I have disputed erroneous, inaacurate, out of date, and fraudulent accounts from XXXXXXXX XXXX XXXX that they are reporting. I have written to them to re-investigate already. Now, I am demanding they delete these fraudulent accounts due to all the errors and inaccuracies that they claim have been verified. If these accounts were in fact verified then why is there so much inconsistent information. Pursuant to 15 USC 1681, the credit agencies have a grave responsibility to report accurate, relevant, and impartial information. I have provided factual data which is attached to this complaint as evidence that I have been abused, treated unfairly and my character as a consumer has been tarnished due to these agencies lack of effort in finding correct validated information. I demand that these accounts be deleted immediately due to the copious inaccuracies and inconsistencies in data. These companies have not only violated my privacy by trafficking my name, but they have continued to deny me my rights as a federally protected consumer by doing their due diligence in investigating the matters I have submitted for complaint. SEE EXHIBITS A-F IN ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Could not provide original contract from company to verify the debt. 
One agent claimed they sold the debt to them, I asked them for proof of purchase ( to verify the own the debt ). Then another agent told me they are a subcontractor.

Original company says the balance is entirely paid off.

Debt is 2 years old and I received no notification that this debt existed.

They also could not provide a full payment history associated with the account, just this supposed balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: AFNI INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am Not aware of these accounts my social security card was in my wallet and i check my credit reports and these accounts were open in my name and these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: GA
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:
I sent a letter off on XX/XX/2023, to remove personal information that I don't want on my credit report. Here are my tracking numbers : # XXXX # XXXX. 

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 6802 no financial institution is supposed to share my information to 3rd parties.

These are clear violations of my federally protected consumer rights.

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 2023-03-22
Company: Experian Information Solutions 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. 

XXXX XXXX, XXXX CARD, XXXX XXXX XXXX, XXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: NH
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: Was not notified of investigation status or results

Complaint:
Requested an investigation into inaccurate accounts with EXPERIAN on XX/XX/23. Experian responded that they received my request on XX/XX/23. I have waited 31 business days and yet there are still NO results.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: MO
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. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX and I have never had a XXXX XXXX account and would like it deleted immediately.

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 2023-03-22
Company: Fairway Capital Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my " {$810.00} '' debt directly to XXXX XXXX XXXX in XX/XX/XXXX. {$810.00} is in quotations because that is what Fairway Capital is trying to receive and that was not actually the debt amount owed to XXXX XXXX. I called the company XXXX Fairway Capital Recovery XXXX in XX/XX/XXXX and informed them about the debt payment completion ( they were working on behalf of XXXX XXXX XXXX ) and to close my account. However, on XX/XX/XXXX, an update was sent to credit bureaus WRONGLY stating this debt as unpaid. They then informed me ( when I called on XX/XX/XXXX ) that they CHOSE not to follow up with my update from XX/XX/XXXX. Essentially, I told them the payment was made and they did not find it necessary to go and verify that information. I spent XX/XX/XXXX, XXXX, XXXX, and XXXX trying to get them to close the account and they kept claiming they would not do so as their liaison to XXXX XXXX had not informed them of the change. However, upon speaking with XXXX, I was told they have not given Fairway Capital recovery any directives to ignore my statements about completed payment.

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 2023-03-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed a debt with my former landlord, XXXX, for breaking my lease in XX/XX/XXXX. They overcharged me and refused to comply with DC Law governing their duty to mitigate damages. They refused to let me speak to anyone with more knowledge of the law than a sales associate and refused to negotiate. In XXXX, they reached out to me again. I again asked to speak with their lawyer and they refused. After a few months of silence, I did get a letter from their lawyer. I discussed with him how they had not complied with DC Law and he said they would now negotiate. Instead of negotiating, they sent the full debt to a debt collection company, Fair Collections and Outsourcing ( FCO ). I informed FCO that the debt was inflated and inaccurate. They sent me my lease back and I informed them how XXXX had not complied with the law to inflate the amount owed. I provided them evidence and said I would be happy to settle the undisputed portions of the debt. Instead of negotiating, they reported the full debt as owed to the three credit reporting agencies. I would note that they could have sued me at any time, but they chose to avoid a venue where their debt would be reduced and they would be forced to negotiate.

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 2023-03-23
Company: Experian Information Solutions Inc.
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 XXXX 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 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 2023-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I asked the company who is XXXX XXXX how many payment made to this company i want to know how many di they get al how did they get this name in my bill pay account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: IL
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 XXXXXXXX # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-23
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, OneMain, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law. 

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ). 

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2023-03-23
Company: EQUIFAX, 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has been charging fees to my account at first they started small but have grown larger and more frequent over time. I have asked about these fees and the company state they are normal processing fee to keep my account current. The fee are as follows XX/XX/XXXX Property Inspections - {$20.00} XX/XX/XXXX Property Inspections {$1.00} XX/XX/XXXX Title Search {$200.00} XX/XX/XXXX Title Search {$50.00} XX/XX/XXXX PROPERTY INSPECTIONS  {$220.00} XX/XX/XXXX PROPERTY INSPECTIONS  {$220.00} XX/XX/XXXX PROPERTY INSPECTIONS {$220.00} XX/XX/XXXX Title Search {$40.00} XX/XX/XXXX Property Inspections {$220.00} XX/XX/XXXX Legal Fees - {$470.00} XX/XX/XXXX Legal Fees - {$24.00} I just don't understand how they can tack on a {$220.00} inspection fee almost every month at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2023 I was contacted by XXXX at XXXX ext XXXX, claiming that she was trying to collect payment on a Master Card ending on XXXX that was under my name, and that I had stopped making payments on. Claiming the Credit Card came from HSBC Bank, out of XXXX XXXX, CA. I am worried because she had my full name, address and even my full Social Security Number. She requested my email address to send me further information. She stated that her assistant named XXXX XXXX would be contacting me. They were supposed to send me documents to my email address, stating what I owed and the details. I have not received any emails regarding this matter. I am worried that what they were actually doing was verifying my personal information, in order to commit Identity Theft. She also gave me a XXXX # XXXX and the also called me using a local area code for my city, the other number the used was XXXX. I now believe this was a scam. She also mentioned that if I didn't pay, they had the right to garnish my wages.

Company response to consumer: Closed with explanation