BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: JPMORGAN CHASE & CO.
State: OH
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 got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: OH
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 account has been reporting for 3-5 months, with no information given, and no investigation completed per 15 USC 1681eB shouldn't be reporting as I also never gave permission. This XXXX XXXX XXXX XXXX ) account was also re-added and I was never given 5 days prior notice. I mentioned this and it's still reporting and only being updated. This is entirely incorrect, and false and I want to be removed. See attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX I attempted to resolve this issue via the CFPB & as a result of that the company responded with my filing a dispute again Directly with the credit bureau, Equifax. Upon filing my last complaint the company disregarded fair practices by quickly responded resolving my issue on here the same day they received it, instead of doing the proper investigation which is required. But in their response they indicated that they would be following up with a dispute thru them. it has again been over 30 days since last speaking with someone from this credit bureau or hearing an resolution on my dispute in regards to the inaccurate and unverifiable information currently contained in my credit report. Time after time upon request Ive yet to be presented with valid copies of evidence to support their inaccurate reporting. At this time I am seeking to reopen this investigation into this credit bureaus bad practices one last attempt before pursuing legal action against them for the violations of my consumer rights under the FCRA & FDCPA.

I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a SBA Loan due to the coronavirus pandemic because of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Halsted Financial Services, LLC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Afternoon, I had a debt through XXXX XXXX Bank ( Credit Card ), AKA XXXX  XXXX XXXX  that was transferred/sold to XXXX  XXXX  XXXX XXXX XXXX I moved a couple times throughout the pandemic, so never received any written correspondence that it was going to collections, but after some research, agreed that the debt and amount were accurate ( {$400.00} ) and ultimately paid XXXX XXXX XXXX the amount owed in full. That was on XX/XX/2022. I was notified around XX/XX/2022 by a company called Halsted Financial services that I still owed the debt and that they were acting on behalf of a company called XXXX XXXX. I contacted XXXX XXXX Bank immediately to see who actually owns the debt, whether it was sold or transferred, and a list of who I needed to contact to make sure 1 or any of these companies actually was acting on their behalf. XXXX XXXX Bank could not tell me who owned the debt, which I thought to be odd that NOBODY within that company could tell me who had the debt. I tried to escalate as high as I could to get a simple answer to no avail. I am still uncertain if I paid a scammed or an actual debt collector or if the debt was recycled. This is my first inquiry into the matter and hope I don't need to get legal representation, but also more than willing. I have attached Proof of Payment from XXXX XXXX XXXX as well as a screenshot of my Bank Statement showing the same date, company that payment was tendered, and matching dollar amount. Thank you for time and effort. 


***NOTE*** It would not let me list a 3rd financial institution below. That company is XXXX XXXX which is apparently the company that Halsted Financial Services was acting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I have been requesting to have Wells Fargo Auto to provide all documents regarding a loan in my name which I am not familiar with. They stated that the vehicle was purchased but I have not received any documents supporting the purchase of said vehicle. I was also mailed a letter stating that after the repossession and sale the remainder loan amount was forgiven. I never received any documents regarding the sale, but was informed that it would be removed from my credit report.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent a letter on XX/XX/XXXX to the 3 Credit Bureaus ( Experian, XXXX, XXXX ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from Experian. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, Experian verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit https : XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no  which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : https : XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX Letter in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is Experian, XXXX, XXXX  verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus Experian, XXXX and XXXX is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED 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 2019-07-31
Company: Experian Information Solutions Inc.
State: NV
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:
Remove the inaccuracy reporting on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... XXXX credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history

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 2017-06-30
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Capitalized interest in the excess of 100k during forbearance. This caused my loan to increase to over 200k thus causing me to need a conventional loan for the house I am trying to buy me and my daughter as a single parent. I need 8 % down now despite having a good job. Rejected bill pay through my bank then attached fees for late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
A security leak affecting Equifax rendered my financial information potentially vulnerable to use by criminals who may steal my identity. There is nothing I can do to ensure that my social security number is n't used by someone years from now to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: MS
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:
Multiple attempts made to contact company since XXXX to notify XXXX of the unauthorized inquiries as well as credit card ( XXXX XXXXXXXX XXXX  ). These do not belong to me. Find attached FTC ( Identity Theft Report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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:
On XXXX XXXX, XXXX I was notified that my personal information including name, credit card information, and social security number were acquired illegally and without my consent or authorization from Equifax. This information could be used to harm me financially for the rest of my life, but Equifax only offered 1 year of credit protection service provided by them. This is absolutely no consolation and inspires no confidence as they 've already proven they are incapable of protecting my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now I have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CITI balance {$0.00} account # XXXX 30 days late in XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This Cashier Check was stolen from the U.S. mail .., The company never got this payment so I stop the payment on it I stop payment on this cashier check and now this company that stolen the check from U.S mail are calling me and want the amount on the check paid to them., they are calling every day till I pay them WHAT THEY WANT {$70.00}. They tried to cash this check that never made it to the company I was paying the bill too?

They now say I own THEM DOUBLE {$140.00} this cashier check was lost in the mail and reported in XX/XX/XXXX!

I stop the payment They are trying to collect on this check in XX/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 explanation
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 Capital One Bank USA Reported negative remarks on my consumer Report Without my Written or Oral Consent. Im protected under the federal law FCRA. Pursuant to 15 usc 1681b you clearly violated the federal law. This Negative and erroneous information needs to be deleted now. You have 5 days after receiving of this complaint to fix this problem or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
Thus far, the only unrecognized use of my information appears to have been roughly two weeks prior to today, on XXXX XXXX, 2017. While it seems to have been a harmless check ( perhaps perpetrators probing for viable accounts? ), I do not feel comfortable at the thought of my information having been exposed ( as reported to me by the company itself via their incident response website ) and demonstrated by this unauthorized credit action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is unable to provide a detailed bill for services on the dates the service was provided and what attempts they made to bill insurance. The company Is Account Resolution Corp Address : XXXX XXXX XXXX # XXXX, XXXX, MO XXXX Phone : ( XXXX ) XXXX-XXXX  I believe they have violated 45 CFR 164.508 Section 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website,  and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Synergetic Communication Inc
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I the consumer original creditor and natural person am being harassed and abused by debt collection attempts by this third party debt collection. Pursuant to federal law this organization never had my consent to contact me and is using false and mis leading representations to collect a debt not owed. Article 1 section 10 of the constitution states debts can only be paid with gold and silver. Farther more attached is my affidavit of truth along with supporting facts of federal violations endured by me the consumer from this debt collection attempts. Also be advised during debt collection attempts my Fourth amendment right also has been violated. I have no contractual agreement with your organization or any parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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 learned XXXX/XXXX/XXXX that Equifax experienced a significant data breach. In checking with Equifax they believe my personal information was impacted. I am at risk for identity theft as a result of this breach. I have little knowledge of what information was breached, or even how much information Equifax has on me that could 've been compromised. I 'll be forced to place a temporary fraud alert on file as a precaution and further monitor my credit history closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: NV
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Received an automated call from Amazon indicating there was a charge for a XXXX and XXXX. Was transferred to a live XXXX sounding person and was told there were multiple bank accounts created under my name ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. All with different charges. However the charges dont show on the only account I DO have for the Amazon credit card they are indicating has these charges. The phone number was XXXX ( XXXX ) XXXX XXXX, NJ.

Company response to consumer: Closed with explanation