BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Citizens Bank claims I owe payment for a security system placed on a house in XXXX Florida. 
I do not own a home in Florida, only XXXX XXXX XXXX XXXX, Pa. I have lived here over 30 years, moved here XXXX after marrying a guy from XXXX. 

I went to a local branch to have them file the fraud report, then to XXXX Police department to file a complaint. Copy of the police report was sent to Citizens, ATTN : ID theft operations at XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ; I also called XXXX, as per the Chairmans office request, and told them but they only sent an email which I also forwarded to Citizens. Fax XXXX Since then, I looked at my credit report with XXXX, XXXX, and XXXX and found all three had an address for XXXX XXXX XXXX XXXX, XXXX, Florida as well as my XXXX home address. 

I had to dispute the XXXX address, as well as mispelling of XXXX as well as mispelled XXXX. Also multiple phone numbers, that needed to be deleted. From what I can tell, these are being corrected, although now XXXX supposedly, removed my XXXX address. I uploaded my drivers license and XXXX bill for them to make corrections. So Citizens bank is the business that needs to be aware, my identity was used for a fraudulent purchase, a XXXX security system. 

Citizens bank shared this issue should be resolved by XX/XX/XXXX. All the use of my identity for the said purchase occurred in XXXX of XXXX. What I don't understand is I live in a home purchased for {$50000.00}. I looked up the home is XXXX and its valued at over {$700000.00}. 

I am a retired nurse practitioner. I never made alot of money to own this extravaganze. I don't have security on my home in XXXX. Identity protection is an issue if even the credit reports all have false information. Until now I did not look at my reports but now plan to share this important issue with others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the XXXX attempt to remove a debt that is not owed on my part.The debt was paid in full, Since Equifax is saying that the debt has been confirmed, Im requesting a detailed process of reinvestigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX / Experian / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX i believe it was reporting in error.

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 2017-09-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to contact Experian to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Experian did n't respond to me. Please lock and place a freeze on my credit report and credit score.

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 2022-10-24
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: Account status incorrect

Complaint:
I contacted XXXX 's because I saw that my bill had late fees. When I contacted them they told me that I didn't pay the bill for two billing cycles. I then paid my regular payment amount and have been paying them since I called them to see what the issues were. I also explained to the card company/department store that I was not notified about not receiving payments for two billing cycles, and that I really thought I had paid them. I asked that the interest be removed and told them to make sure they call promptly when a payment is not received. The company removed the interest and has been reporting me as delinquent since my call to them and they have also been having an automotive machine contact me weekly since I initiated the call to them about my billing. I really feel as if the company is not playing fair and that they should have attempted to call me when the bill was not being paid, and at that time I did not get any calls from them. Having been a XXXX customer for about 13-15 years, I am angered about the treatment I am receiving from the company. It is very unfortunate that I can not make up the payments missed, but if the company would have reached out to me during the first month that the payment was missed I could have sent it in. I really see that this company does not have their customer 's best interest in mind, and just wants to attack my credit score. And to just let you know I have never been late nor missed payments before, so this should have been more than a reason to give me a courtesy call or letter.

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 2022-08-23
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I reached out to my prepaid care company about the transaction today, XXXX XXXX at XXXX cat. Used card to pay the owner for customize wig I never received it. Reached out to the prepaid card company and they said it was nothing they could do because the transactions were completed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a Chase credit card that has a travel insurance benefit that we tried to use, but Chase would not fulfill the benefit, claiming that there is no record of XXXX XXXX rendered. My partner and I had a trip scheduled for early XXXX booked on the previously mentioned Chase credit card. Unfortunately, my partner ( whom I live with ) came down with XXXX three days before we were supposed to leave and were forced to cancel the trip. We had record of a positive test, a doctor 's note confirming the result, and shared all of this with Chase benefit claims. I also read through Chase 's explanation of the travel insurance benefit, which mentioned specifically that it covered cancellations due to XXXX diagnoses. However, after several months of back and forth ( mostly Chase attempting to escape on technicalities and asking for repetitive documentation ) Chase denied the claim with the explanation of no XXXX XXXX occurring, even though we had the positive test and doctor 's note. It's not clear what XXXX XXXX need to occur anywhere in the description of the benefit and the denial is especially confusing given they mention XXXX as an example of something that would be covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home over 18 months ago XXXX never recorded our mortgage satisfaction, now we are in the process of selling and our buyers title company has an issue with the mortgage satisfaction not being recorded even though we have full loan payoff paperwork and are 100 % current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 explanation
Consumer complaint received 2022-08-03
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:
In accordance with the Fair Credit Reporting Act. The company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from XXXX and XXXX. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.

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 2022-12-23
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I had these two Credit Card While I was Married to the mother of my children she had used them and I filled for XXXX  and these two accounts were there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}

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 2022-09-30
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Reference # : XXXX Date XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy U.S. Bankruptcy Court  Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX # A XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX to FCRA XXXX XXXX ( 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 2022-10-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I used Wakefield & Associates ' online contact form to request my account number so that I could pay my debt, but I have not received any communication from the company since. Look, I fully understand that I could call the number listed on the website, but we live in the 21st century. Written electronic communication should be available for everyone, and although I am not hearing-impaired, there are many individuals who rely on written communication and could not reasonably be expected to only communicate over the phone. 

I am sure that Wakefield & Associates has at some point mailed me a letter containing my account information, but due to a break-in I had to quickly move and change my address. Again, we live in the modern internet era ; everyone should want to communicate over email, as everything is recorded, timestamped, and signed. If there is some sort of data security issue involving sending this information over email, I would expect at least a " We're sorry, we can't email you this information '' autoreply. 

I used the online contact form located at https : XXXX on approximately XX/XX/2022 regarding an account balance of {$310.00}. 

I just want to know my account number so that I may make an online payment. This is ignoring the incredibly confusing payment portal on your website, which contains three separate buttons for different payment portals. Is this complexity truly necessary?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: IN
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:
By the fair credit reporting act, XXXX XXXX Account has violated my right 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a customer reporting agency can not furnish an account without my written consent 15 USC Code s1681 A definition of rules of construction exclusion except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: CA
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:
Ive contacted experian multiple times and I continue to try and dispute the accounts theyre incorrectly reporting and all they say is that I cant dispute them anymore Ive already disputed it or that it meets FCRA requirements which is not good enough. Ive let them know that just because something meets the requirements doesnt make the information correct. They will not send me a copy of my credit report to show in detail why it is my credit score wont rise it just continues to lower without any explanation what so ever. They will not contact me back or provide further information and theyre continuously damaging my credit score which in turn is hurting me as a consumer. Ive already contacted the companies that are reporting on my credit report who agreed to remove my late payments because the accounts were paid in full but experian says that they are reporting correctly and they arent. I also I have a potentially negative item on my report that has failed to provide in detail why I owe them and will not provide any other information but experian has said that they are reporting correctly. They refuse to look further into anything or report correctly.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I recently sent you a request to reinvestigate incorrect items which you reported to the credit agencies. You ignored my request. 

Federal law requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days and the items remain on my report : XXXX  XXXX XXXX I will assume that I have not received your reply because you have been unable to verify this information. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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