BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-27
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed Ally On XXXX XXXX asking for validation of the debt as per The Fair Debt Collection Practices Act. They have not responded

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX, 2009 a friend used my banking information and charged amounts to her cell phone. The charges called an accrual of overdrafts and fees in my banking account. The matter was reported to law enforcement as soon as it was realized. Reports from each agency were turned over to the bank. Reports include the name and address of the party that committed the act. The account was turned over to collections. The agency has been notified multiple times by phone and mail that this account was the result of a crime that was committed. I am mailing ANOTHER copy of all reports via a traceable method to verify that the collection agency receives the information as well as to the credit reporting agencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I was in a non-profit credit management program. Each month I paid a consolidator {$700.00} and they distributed it to my creditors each month. The program has been ongoing since XXXX 2013 until present. One of the creditors was Capital One ( account number ending in XXXX ). During that time period My credit reports show XXXX payments 30 or more days past due for this account while there is no problem with the other credit accounts. The due date for the Capital One account is the XXXX of each month. I obtained electronic records from my credit management company showing that each month funds were always transferred to Capital One electronically within 30 days of the due date. In XXXX cases a double payment was made the following month when a payment was missed, but in these cases the double payment was still within 30 days of the due date the month before and so no payments were 30 or more days past due. I discussed with Capital One representatives 4 times by phone and they refused to fix it. I sent them the electronic records ( attached ), but they still refused to do anything even with the undisputable evidence. I do not think they have anything to gain from this. They are just too lazy to make any effort to fix their mistake. I think this is all electronic and it is not easy to fix and so they just ignore me. This account corresponds to 80 % of my late payments in this period and I have been denied credit due to these incorrect records. My position is that as a reporter of credit information to the bureas the law requires them to correct information when they have clear evidence it is incorrect. By not honoring their obligations as a credit information reporter they are causing financial damage to me. I want them to fix this so that I am not further damaged by their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I submitted a dispute letter to Creditors. These companies are currently reporting to the three credit bureaus that I applied for credit with their organization and I did not grant them authorization to review my credit report. As a result, this caused a lot of headaches to my livelihood. I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear sir/ma'am I fell trap to an agent of a closed school ( XXXX XXXX  XXXX ) and paid XXXX dollars in tuition to the school for an XXXX program. XXXX XXXX XXXX is permanently banned from offering XXXX program but they still collect money from unsuspecting students by claiming they are under probation. I have tried everything since XX/XX/2022 to get Chase bank to refund my money in order to fund my XXXX training in an approved school to no avail. Their reason is that It has been a long time. 

It is certain that the effect of a school Close-Down is lack of Authorization to carry out the business of the nature that it's supposed to do. 
Does XXXX XXXX have the mandate to operate after closure? 
Let 's consider the merit of a certificate given by a school after its official closure. 
Please I bargained for a certificate from a viable institution not from a closed one. That's why I am requesting a refund from Chase bank. 
I worked 3 years in a group home earning minimum wage and saving in order to save for school and this is very discouraging. 
Thanks immensely. 

Attached is the response from chase credit services, my offer letter to the school of XXXX and XXXX  closure receipt. 
http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We began searching for a mortgage back in XXXX 2016. We started working with Wells Fargo Home Mortgage and on XXXX we gave them {$530.00} for a home appraisal. While in the process we decided not to proceed with them and canceled the mortgage file. Before the funds were given for the home appraisal, the loan originator, XXXX XXXX, advised me that if we cancel before the appraisal is completed we would be reimbursed that fee. We cancelled the file on XXXX/XXXX/2016. Since we have not received a reason of why our funds have not been reimbursed and we are no longer getting a response. I was informed on XXXX his Manager, XXXX, would take care of the request. Again, no response.

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 2016-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Capital One Venture card telephoned to say my card was blocked but, other than to say there was an indication of possible attempted use by unauthorized user would not provide any information. I verified all outstanding charges. They still demanded I send them a photocopy of my Social Security card, proof of identity and proof of my address, and they would not accept telephone or on-online verification of my identity. I ( perhaps foolishly ) sent them copies of my Social Security card, passport and utility bill showing my address -- so now they are in a position to participate in identity theft should they not be completely honest. Nonetheless my account remains " restricted '' meaning I can not use the card or get any information from them online. I have filed an online complaint with Capital One and not received any response. Attempts to contact them by telephone result in very lengthy delays on hold and then a refusal by staff to provide any information or assistance, only evasiveness even when I speak with a supervisor. On XXXX XXXX, 2016, I wrote to them to close the account and credit the small rewards balance I have earned against the small outstanding balance on the account. Obviously it is too soon to have received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted XXXX  by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX  XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days XXXX {$4300.00} XXXX XXXX Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX XXXX XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX, Transunion and XXXX  XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not Transunion and XXXX  XXXX and company continues to report the information now. 

XXXX  Credit Bureau Reports XXXX Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.

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 2016-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently found out that apparently I have either become a victim or identity theft or my file has merged with someone else or both. I have come to realize multiple concerns with regard to my report with Transunion. First off, my file shows multiple names that are not mine nor that close to mine. here are some of the variances ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX to which none are mine. I have also found that the majority of accounts, collections and inquiries that are reporting with Transunion are related to multiple addresses that I have never lived, for example XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX, XXXX just to name a few. 

Over the past couple of weeks I have called a total of four times, tried to dispute over the phone and online to no avail. I have also tried a total of XXXX times to upload my ID and bank statement for verification purposes and even faxed on 3 different occasions this past week also to no avail. I keep getting told that they never receive my documentation which makes it impossible to dispute erroneous information without anyone being able to verify my identity. 

At this juncture, I have quite a number of concerns ranging from personal contact information, tradelines, collections and inquiries that are in fact not mine yet are currently reporting under my si=ocial security number and date of birth. Additionally, I have a security freeze on my credit report ( unbenounced to me ) that also increases my inability to view, discuss and request changes to be made to my file. To date, I have had absolutely no traction with anyone in the Fraud or " Special Handeling '' departments that are willing to help me. I have already begun the process with the other reporting entities with some success. Where as I have yet to even be allowed to begin with this company.

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 2020-11-11
Company: First Credit Services Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from First Credit Services , Inc. of XXXX, NJ claiming a debt for XXXX XXXX of XXXX, IL on XX/XX/XXXX. I contacted First Credit Services regarding the debt and was told at first that the debt was initiated on XXXX XXXX, then by another person it was initiated on XX/XX/XXXX. I looked up the name of the business they were collecting for and found the business was closed XXXX of XXXX, and the owner had since opened another business. I contacted the owner 's new business and was able to get confirmation through email that no debts had ever been taken out by him with regard to XXXX XXXX. I asked First Credit Services to provide proof of the debt and have it mailed to me. I am at this time waiting for proof of the debt from First Credit Services , Inc. and would request an investigation into their business practices to prevent further fraud from being committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not authorize nor consent to the following inquires being furnished on my consumer reports.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-08
Company: Experian Information Solutions Inc.
State: PA
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 to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX XXXXXXXX XXXX, and 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 2018-07-05
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 shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.

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 2018-07-05
Company: EQUIFAX, 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 shows an account open in the my name. I did not open this account. I have told credit reporting agencies this several times. They always come back and say it is mine. I would never open a XXXX account. I would like this resolved as soon as possible, because this is not mine. I fear someone is trying to use my name for fraud. While there are no charges owing on it now, I would like to get this straightened as soon as possible, before charges are accrued. Please take care of this, as I'm innocent person who did not open this account. I am in the process of buying a home, building a better and stronger credit, and I do not need this on my credit. If it was mine. I would accept that. It is not, and this is unfair, and illegal. No proof has ever been presented to me, that this is my account, when I know it is not. That is why there is no proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses on my accounts are incorrect, I've tried to reach out and get it rectified but its been long enough with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX Capital One reduced my credit limit ( again ) from {$10000.00} to {$5000.00}. I want the credit limit back to at least {$20000.00}. Capital One has continuously reduced my credit limit from {$30000.00} now to {$5000.00}. This affects my credit score and ability to pay 'large ' sums of money, which may be needed for air travel and hospital or medical bills. Cash in large amounts is not readily available to pay a large bill. ( As is the case for most consumers ). I have a credit score above 800 and have had a credit card with Capital One and no credit/payment issues since XXXX. This measure also affects my credit score, which is unfair, as I have no control of the outcome or what is decided by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a delinquent notice that Navient sent me to collections on a student loan that I never was behind or late on. I graduate from XXXX University in XX/XX/2019 and was a student when Navient reported me for being out of school since XX/XX/2019. I spoke with Navient and was told to submit an enrollment verification from XXXX University to them and they would remove the 90 day delinquent notification on my credit report and they reevaluated my time in school. I received a letter from Navient that stated I was in the grace period until XX/XX/2019 yet it shows that as of XX/XX/2019 on my credit report that I was 90 days late on my student loan repayment. How is this even possible when I was in a grace period and the letter I received from Navient shows that I was not late or at risk of being late yet they refuse to take this off of my credit? I shouldn't have this remark on my credit report and was told in XX/XX/2019 that Navient would remove this yet they haven't and now I submitted the paperwork to XXXX  and they refuse to remove it from my credit. My credit scores dropped over 100+ points in XX/XX/2019 and I have not been able to get them back to the state of over 615 like it was in XXXX 2019. I want this immediately removed from my credit report and Navient to be held accountable. I also know that when I looked more into the issue with Navient and they have class action lawsuits for this very reason and I don't believe that their inability to take responsibility for their errors should be placed on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXXA Account number : XXXXXXXX XXXX Account number : XXXX, XXXX  XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. XXXX I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : 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 2020-11-11
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ERC is reporting to the credit bureaus about a debt that I asked to be verified, I have sent out letters to ERC asking for a contract bearing my signature to verified I owe the debt they are reporting. Not only have they not verified it but they did not response in the 30 day time period. I ask that this debt be removed immediately due to the fact that ERC have not correctly verified this debt is mine.

Company response to consumer: Closed with explanation