BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: EQUIFAX, 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:
I am writing because I have recently reviewed my credit reports from all 3 credit bureaus. There were several discrepancies in the accounts that they are reporting. I have written to all 3 bureaus twice asking them to fully validate the reported information and remove anything that they can not provide an ink signed original contracts from myself and the original creditor that correlates to the collection accounts in question. With each attempt in contacting the credit bureaus, I gave them 30 days to respond. It has now been over 60 days, and each bureau has failed to fully verify the collections and provide me with all of the information that I requested. I asked them to remove each account if they were not able to verify them. The accounts have not been removed by either bureau. 

I have also reached out to each of the collection agencies requesting full verification including ink signed contracts from myself and the original creditor as well. I also asked them to provide me with information regarding their lawful right to collect without my consent, a copy of an agreement authorizing their company to collect on behalf of the original creditor, and a copy of their license to collect in my state and their registered agent name with their address. Neither collection company has been able to fully verify the accounts or provide me with all of the requested information. The accounts have not been removed by either collection agency. 

The companies are listed below : XXXX. XXXX XXXX : {$920.00} XXXX. XXXX XXXX : {$1700.00} XXXX. XXXX XXXX : {$530.00} XXXX. XXXX XXXX : {$1300.00} XXXX. XXXX XXXX : {$1100.00} XXXX. XXXX, XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX {$4600.00} I wrote to the credit bureaus on the following dates : XXXX. XX/XX/2022 XXXX. XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am of XXXX XXXX descent. I am proud to be such. My surname is XXXX, my XXXX  half and XXXX, is my mothers maiden name ( she is % XXXX XXXX  ). Her mother and father, my maternal grandparents separately fled XXXX for XXXX XXXX during the much denied XXXX  XXXX  by the XXXX  people. They, after XXXX years of being relegated to living in XXXX finally and legally XXXX  to the United States. To put the gravity and severity of this XXXX  into some context/perspective, by proportion and a percentage of a people XXXX  the XXXX  XXXX  XXXX  the XXXX of the XXXX  during XXXX. This story makes me very perturbed, disturbed and angry. I have applied for several citi products over the years. Been denied each and every time. Now I know why! Im assuming that in todays day and age it would not be hard to determine my being half XXXX. The poultry {$1.00} XXXX awarded to the wrongfully denied XXXX  by citi is on its face and through and through an insulting number. Its so insulting that it wouldve been better to have them have offered {$0.00} for their blatant and proven egregious wrongs. I hate the word entitled, but citi owes any and all XXXX  a large portion of what is the {$1.00} XXXX in assets they possess/control. They are worth {$1.00} XXXX and give {$1.00} XXXX in award/damgaes!!! That is a mXXXX XXXX XXXXXXXX fraction of their total assets. Pathetic, insulting and downright wrong/XXXX, Very sadly, 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 explanation
Consumer complaint received 2023-09-19
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX  I got a loan from XXXX XXXX  to consolidate some credit cards, one of those credit cards being Comenity Bank/Bread financial . 
XXXX  XXXX has record that Comenity Bank/Bread financial 's payment was paid in full, processed and cleared on XX/XX/2023. CB/BF states they have not received payment. A XXXX XXXX representative and I spoke to a Manager named XXXX at Comenity Bank/ Bread financial on Friday to try to locate the payment. One of the managers we spoke with before XXXX stated that the dispute and billing department do not accept in bound calls and stated that the dispute I had opened in XXXX had been closed ; even though the dispute has not been resolved. 
XXXX stated they needed a transmittal number and an ACH information form, which I sent Friday. 
I have called CB/BF and spoke with at least 3 managers over the last several months and have explained how the payment was made via secure messages on their website, and this was the first time this information had been requested. 
I also recieved correspondence requiring my account that had incorrect information in it. 
CB/BF has informed me they have closed the dispute without resolving the lost payment issue, they are charging me late fees and interest. They were paid XXXX and that payment was processed and cleared on XX/XX/2023. 
I am paying my loan to XXXX for this account and since CB/BF can not locate the payment, which is not the fault of myself, they want me to start paying payment to them even though.the dispute regarding payment has not been resolved. I have been fighting with them since XXXX of this year on this matter. XXXX suspects that the payment went onto someone else 's account, even though it was through an electronic payment with all of the credit card information on it. 
I feel as though someone at CB/BF has found a way to steal from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, Equifax is holding my credit score XXXX. I have tried to unfreeze my credit to open a credit card. I called Equifax to do this, but they refused to do anything until I mail my social security card, driver 's license, and a written letter, and then wait 7-10 business days. 
I am not comfortable mailing such sensitive documents to the company using snail mail. They refused to provide any solutions other than the one I outlined above. 

They are extremely not forthcoming about what happened. I think part of the issue is that I moved twice this year. They tried to verify my address, but I might have told them addresses that did not match their files exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TICE ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX XXXX the University XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX placed a collection for {$1000.00}. with Tice Associates INC. I had a three-way call with XXXX from XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX XX/XX/XXXX. Per that called it was found that XXXX XXXX did not process the claim as an out of Network claim. XXXX XXXX stated that they had requested medical records for the date of service XX/XX/XXXX, however, since XXXX XXXX XXXX is not in Network, they will reprocess the claim and made it clear that my obligation to pay since it is out of network is {$200.00}. However, XXXX stated that her manager XXXX stated that the {$1000.00} has to remain on my credit report as an collection until XXXX XXXX pays the claim. This is a clear violation since I do not owe XXXX XXXXand the claim is being reprocess for payment. XXXX XXXX also provide XXXX with a provider # XXXX for the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
15 usc 1681 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer report furnish an account without my written instructions 15 usc 1666b A creditor my not treat a payment on a credit account open-end consumer credit as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. 

I would like to file a complaint on XXXX  XXXX Account # XXXX in the amount of a {$800.00} Credit Limit as well a XXXX XXXXXXXX Account # XXXX where both accounts are now showing on my consumer file as delinquent. 

I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting XXXX XXXX Post cards/mail with logo which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass my daughter and I. 



I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a XXXX credit card in the mail that I never applied for. 

It was delivered to an address I am associated with through work, but I would never use that address for any reason of my own. Additionally, the address is missing the street number. I'm not sure how it was determined to send to the correct property that my colleague would bring it to me. 

The name on the card references my maiden name but it is spelled incorrectly. The company listed under my name is a company I have never heard of before. Additionally, the word " ghost '' is listed in the company name. 

This card is a XXXX  XXXX XXXX. 

I need this card removed from my records and for my reports to not be impacted by this.

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 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 called XXXX and XXXX  about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. XXXX Report : XXXX  XXXX XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase bank unlawful closed my account with all my life savings in. Ive been trying for Months reaching out to them go get my money. I keep getting transferred to a voicemail of a executive office of a women name XXXX she never answers or call me back I leave serval messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I had defaulted on a car loan. The car ultimately was repossessed in XXXX of XXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX and XXXX to make the account stay on my credit longer than it should.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
Have put in dispute with all 3 of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the 3 credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.

Company response to consumer: In progress
Consumer complaint received 2023-07-27
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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items 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 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 explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the XXXX XXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE THIS INQUIRY PLEASE

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I HAVE FILED A COMPLIANT WITH CFPB and the FTC.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Company: Experian Information Solutions Inc.
State: TN
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:
Despite multiple certified letters and phone calls requesting Experian to correct the reporting of me as deceased on my Experian credit report, Experian has refused to correct this problem of co-mingling my credit report with my XXXX XXXX 's credit file. I have attached my latest letter to Experian ( attached ) asking for them to correct this issue and one of the most recent rejection letters from a credit card company ( XXXX XXXX rejection letter attached ) stating that they have refused to give me credit because Experian is report me dead! The accounts that are showing me dead are : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation