BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: ID Analytics, 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:
Left numerous messages for XXXX XXXX XXXX. This complaint also Includes ID XXXX, XXXX AS WELL. when consumers call XXXX we are prompted to leave a message. I have left 50 messages over the course of 2018 with no call backs. I have mailed sage stream to send me my report and they refuse to do so. They require photo ID when none of the other credit bureaus do not require it. I am not releasing sensitive information such as my photo ID to a company involved with scamming consumers and fraudulently utilizing credit reports. THE 3 AFOREMENTIONED companies COLLUDE to place negative items on report, regardless of 3 LEGITIMATE BUREAUS REMOVAL, and attempt to make u pay XXXX to remove them.please see XXXX  XXXX XXXX : XXXX : XXXX Contact addresses I sent requests to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, CA XXXX I faxed them at ( XXXX ) XXXX They need to send my report to my home address and remove fraudulent info and ABIDE BY FCRA REGULATIONS Please note the mounting complaints via XXXX at following address. The same issues I'm having, thousands of other consumers are suffering from. FTC and cfpb need to work in conjunction conjunction to better regulate XXXX XXXX XXXX, a company with mounting complaints issued via FTC, CFPB, 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 2023-01-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was a customer of Wells Fargo for XXXX XXXX during the time frame mentioned in a wrong doing article about their practices. Am I automatically included in the penalty, or how to I go about going forward?

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: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I paid my medical bills in full and the collection agency and the hospital told me they made a mistake and they were going to reverse the hard inquiry on my credit but they never did and I still have a hard inquiry on my credit. I tried to pay the hospital in full but they did not let me and told me to pay their collection agency instead, After this payment I was told that I should have paid the hospital directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2020-01-19
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX   XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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:
report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX REQUEST NOT A DUPLICATE* I love the fact that people are working for this company and DONT KNOW THE LAW They truly are not investigating nothing. THEY DO NOT SEND OUT UPDATED REPORTS. THEY DO NOT VERIFY INACCURACIES AT ALL. I WORK IN CREDIT REPAIR AND I KNOW THE LAW. I ALSO KNOW I CAN SUE THEM. FOR THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are reporting this account every month since XXXX as a XXXX trying to make it newer than what it actually is which is a misrepresentation of account status. WHICH IS AGAINST THE LAW. DELETE IMMEDIATELY XXXX. They have the same account listed twice on my credit report as XXXX and XXXX XXXX if you investigated like you said you do, you would know THIS IS THE SAME ACCOUNT!! Reporting as XXXX  on my credit report every month as a newer account when this account is listed as closed since XXXX. Another misrepresentation of account status. DELETE IMMEDIATELY XXXX. XXXX XXXXXXXX XXXX XXXX XXXX listed as XXXX XXXXXXXX claimed XXXX on XXXX credit report for 2 years now showing as XXXX all of XXXX. Misrepresentation of account status DELETE IMMEDIATELY. Trying to report the account newer than what it is. XXXX XXXX XXXXL account listed as XXXX and Repo date XXXX. Did not give me a chance to repurchase the property. Did not invite me too the auction. They failed to try to recoup any money. I AM CHALLENGING THIS. SEND ME WHERE THEY DID THIS! You can keep lying to CFPB and telling them you are sending me method of verification letters. I know you are not, and I have every dispute, every letter, every phone call conversation and so does my attorney.

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 2015-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened an account with capitol one in XXXX XXXX. I had a max balance of {$300.00} and slightly went over. After complaining to capitol one directly about the extraordinary extra charges that they were putting on my account and would not work with me, I stopped paying on the account and allowed it to go into charge off state and avoided paying it while they charged interest and charged it off at {$700.00}. 
XXXX XXXX I received an additional account on my credit report from around the same time in XXXX that I was not financially responsible for. I contacted capitol one and asked for this to be removed and filed a complaint with them. They in turn sent me paperwork saying that it was correct and it was from my XXXX XXXX account and not the one that I was n't financially responsible for. After consulting with a few different agency and them putting inquiries on my credit report I finally located XXXX that was willing to sit down and help me. 
I contacted capitol one in XXXX XXXX and asked for the account that I was not responsible for to be removed from my credit report and to make a settlement with the other. Capitol one agreed to remove the other from my report and sent me an email with the settlement offer of {$450.00} and the account is considered settled and no further collection efforts would be made. I am under the understanding that once I paid this, the account would show closed and {$0.00} balance with it automatically being removed from my report due to age in XXXX XXXX. 
I went back to the person that agreed to help me and we got online and filed disputes with all XXXX credit bureau in regard to the above accounts. After the disputes were made capitol one removed the account that I was not financially responsible for reluctantly. They also showed my original capitol one account still being in collections/charge off state with a balance now of {$250.00}. I disputed this account AGAIN with the credit bureau 's and provided a PDF of the settlement agreement. Capitol one submitted their claim and denied my dispute. Now I am contacting CFPB for help on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an Escrow Shortage notice via mail from Chase Mortgage. I was not credited for {$200.00} to my escrow account for XXXX 2015. My escrow payment comes directly out of my house payment each month. I have called numerous times and spoke with XXXX different people at Chase regarding this. Supervisor XXXX XXXX said I was correct and their statement was inaccurate. She then called me back 2 days later and said she made a mistake and would send me the appropriate paperwork. I have not received anything further and I left a message for her on XXXX/XXXX/15. She has not returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX XXXX credit card last year I had XXXX credit cards XXXX XXXX closed all accounts for fraud XX/XX/2016 account XXXX XXXX say on account Bal. XXXX I went in my my bank account every account is paid thought my bank account this account is not in my account XXXX XXXX is asking for money I do have the card never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX  : ACCT # XXXX and ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 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 2022-12-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The person gave three different XXXX accounts under XXXX XXXX, XXXX and XXXX. I also have the email addresses being used for XXXX : XXXX and XXXX ( {$25.00} sent but {$25.00} was bounced back. So he gave me another email to send it to.. XXXX that went through. They reached out to me on XXXX stating I won a pair of sneakers ( XXXX  ) all I had to pay was shipping and handling, I sent XXXX {$25.00} through XXXX. Then he sent me another email let me know I had to pay {$30.00} in order to get a confirmation number. I sent that to XXXX. Then XXXX asked for {$25.00} for protection I sent it. once again he asked for additional money because he claimed the first {$25.00} he didnt receive and wanted me to send it to him via XXXX XXXX XXXX and I said no I sent enough for sneakers I suppose to have won. He became irritated and is not responding to my messages on XXXX and never sent me a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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, my rights were violated. 

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 2017-08-14
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked over and over for verification of debt and all accuracies of it several times and i have yet to receive verifications ... this is reporting on all 3 credit bureaus and i Have askes for it to be removed months ago and its still there despite my multiple requests and complaints ... i have no knowledge of this collection i have written company certified also over month n half ago still no responses

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 2023-01-29
Company: LoanCare, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX, my job position was eliminated. I contacted LoanCare and informed them of my unexpected situation. I was given the option to apply for the Loan Forbearance program. On XX/XX/XXXX I received a notification from one of the credit bureaus informing me that my XXXX XXXX has dropped by XXXX points. When I logged into the credit bureau 's website it stated that they've received information from Loancare LLC, " mortgage balance increased by {$6700.00} from {$250000.00} to {$260000.00}. '' I immediately call Loancare customer service and after much research and speaking to a manager I was informed that the increase was due to shortage in my escrow account. The representative informed me that he was not able to see a change in my principal balance and was not sure why the credit bureau would report that. When asked why was I not connected or informed of the shortage and given the option to bring my escrow account up to current? I was informed that if I have not maybe a letter is in the mail system. The manager then instructed me to take a screenshot of the credit bureau 's report and email Loancare LLC customer service. On XX/XX/XXXX I received a letter stating that they didn't find any errors. Again in XX/XX/XXXX, a different credit bureau reported the same thing. I contacted Loancare LLC with a screenshot from now 2 out of 3 bureaus showing this information. On XX/XX/XXXX I received another letter stating that there were no errors found. I was advise to make a payment towards my escrow account until the end of my forbearance period.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 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 non-monetary relief
Consumer complaint received 2023-01-29
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Citi XXXX XXXX credit card that I've had for several years and use Citi 's accompanying XXXX Points. Initially, when Citi introduced their " Shop with Points '' option, I chose to link XXXX to my Shop with Points/ThankYou Rewards account. Now I would like to unenroll from XXXX with XXXX and to remove XXXX from my XXXX Rewards account. On the XXXX Points website, it says, " To unlink an account, visit that partner website directly. '' I called XXXX XXXX XXXX on XXXX  and the representative checked with her XXXX and then told me that neither of them had any information about this and suggested I call Citi. When I called Citi later on XX/XX/, I spoke with a representative and then his XXXX, who told me that there is no way to unlink my ThankYou Rewards and XXXX account apart from cancelling my ThankYou Rewards account completely. The XXXX told me that even if I were a brand new Citi customer and used my credit card at XXXX, my Citi ThankYou Rewards information would automatically be shared with XXXX and there is no way she or I can prevent that.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: GA
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX 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 non-monetary relief