BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX NY ) XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 Have a Fruad account appearing on my credit report.

1. XXXX XXXX XXXX {$7600.00}

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 2023-12-12
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX. I sent a payment if {$1300.00} to *XXXX  through SQUARE  and they never gave me to goods or services. Services ( subleases apartment unit ). She quit responding to messages and calls. Ive tried XXXX XXXX XXXX reach out to them with no response. XXXX was not able to process refund and seller did not repone. XXXX could not give me the account holders name so I could contact them another way. The number on her account is inactive XXXX and the email XXXX I tried stop payment or dispute through XXXX XXXX  and they denied dispute and took the credit they gave me back for the transaction. This caused my account to be negative. I also reached out to apartment XXXX XXXX XXXX and they said no one lived there with that name and also sent a complaint to them and there was no correspondence through email. I also filed a police report, report to FBI, report to FTC and now here. The number she have comes up in XXXX XXXX No XXXX, XXXX or other payment service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CitiaBank is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with CitiBank nor was I aware that an account was ever opened in my name. CitiBank is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Citibank. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

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 2023-11-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the Collection agency to question the validity of the alleged debt however, upon providing my personal information the agent on the phone stated that I had provided a different social security number, I asked the agent what number they had on file she responded that she's unable to provide the number because although it has my name and addresses the social was incorrect. I asked why they continued reporting to all XXXX credit bureaus. I want this removed from my credit files for inaccuracy, not my Social Security Number. 

Midland Credit Management

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 response to consumer: In progress
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-18
Company: JPMORGAN CHASE & CO.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank will not return two online transactions from my business checking account into my personal account and they also debit two transactions for the same amount and will not give me my money back I have called numerous times and all I get is letter stating they will not be returning the money I have all nessary documents to prove they have literally stolen my money I have been dealing with this since XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Shellpoint Partners, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Until XX/XX/XXXX, my mortgage was serviced by XXXX. I paid my mortgage monthly through my online account. In XXXX, XXXX dissolved and I was unable to access my account online, and I didn't know to who or where it went. I did not receive any information until the end of XX/XX/XXXX. I have tried to create my online account through NewRez and Shellpoint ( it is not clear where my account currently resides ) to bring my account current. I am not able to access my account online through NewRez or Shellpoint. 

My account manager does not return my phone calls and emails, my account manager does not return the State of Montana 's phone calls and emails ( I qualified for covid mortgage assistance, and the State of MT is attempting to submit payments ), I can not access my account online to pay my monthly payment, and I am getting very concerned about how my account is being handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX  account Name : XXXX XXXX XXXX 
Account # XXXX, has violated my rights Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: LA
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 have had damages by the equifax data breach and have had financial loss as been impacted by inaccurate investigation practices on to accounts XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: DriveTime
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with Drivetime XXXX XXXX, XXXX XXXX : Drivetime XXXX XXXX on XX/XX/2017. A consumer consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, that Drivetime XXXX XXXXXXXX XXXX XXXX XXXX Drivetime XXXX XXXX took cash. The finance charge is suppose to include insurance, but that Drivetime XXXX XXXXXXXX XXXX XXXX : Drivetime XXXX XXXX made me purchase insurance separately.

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 2023-10-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
1. Incorrect personal information on Equifax Credit Report. My first name has been fraudulently changed without my permission and now I'm receiving credit card offers under the fraudulent name. This is the third time Equifax has allowed someone other than me to change my name. 

2. Also, ( under contact information ) My move in date on credit report says move in date XX/XX/XXXX. I moved in XX/XX/XXXX. ( This building wasn't built until XXXX. 
It's impossible for me to have moved here XXXX. The five addresses that were removed, which some are over 20 years old are added back onto my credit report. This is an ongoing problem. the only address should be my current address with a move in date of XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX  Bread Cashback Credit Card has NO, as in 0 employees available, online or employed in Customer Service. The website on login : This site cant be reachedThe webpage at https : XXXX? 

I'm afraid of having my records or interests under their care. 

I believe I've Activated this card, but can not verify even this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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:
These seven hard inquiries are fraudulent or belong to someone else. I have an online account with Experian and I check my credit often since I have been a victim of identity theft before. After carefully taking a look all my accounts and hard inquiries, I found these seven fraudulent hard inquiries that dont belong to me. Please remove them 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully implore you to promptly update my account with the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I already made this complaint, but did not know to create an account to follow up on it. So here it is again : On XX/XX/XXXX, I left the Finest XXXX XXXX resort after a prepaid weekend in XXXX, XXXX. I flew home and on my next credit card statement, there was a charge from XXXX XXXX XXXXXXXX for {$1700.00}. This was not my charge or the travel agent ( Classic Vacations ) I used. It is also not the hotel I stayed in. I immediately called Capital One and reported the fraud. They initially removed the charge and replaced my card. A week later I got a letter from Capitol One stating there was insufficient evidence of fraud because : " Information we discovered leads us to believe you or another account user benefitted from the transactions ''. 

I immediately called them again and was told that since my physical card had been used ( the chip was used ) it was my charge. I tried to enlist their help investigating the merchant, but they refused. I can find no information on the merchant anywhere. The only possible time my card could have been compromised was when I took a cab at the airport and gave them the card to charge. They attempted to run it and told me it wasn't working so I paid cash. There are no other charges on the card from those dates. The credit card company refuses to change their ruling or assist me further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reviewed my credit report and I don't have ownership of a account with XXXX XXXX XXXX XXXX XXXX  nor do I have a collection with XXXX XXXX XXXX. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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. I demand this account to be removed.

Company response to consumer: In progress