BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NC
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:
My information was part of the Equifax data breach in 2017 and I requesting all information and accounts on my Equifax credit report be removed due to this breach from 2017 to present day. I am seeing information for accounts I did not apply for or acquire. Some of these accounts have been turned over to collection agencies, and I am getting constant phone calls, text, emails and mail from these companies. Please have this fixed and all item removed as I have has no luck removing them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - Called the number at the bottom of the XXXX XXXX XXXX  website page that it said to call with mortgage questions. Was told that that was the number for auto loans and was transferred to the mortgage department. Reached someone to ask what the process was to get rid of PMI. XXXX I spoke with automatically requested PMI be removed. When I said I just wanted info, she told me that I could call the number on the letter I'd receive if I have questions. 
XX/XX/XXXX - Received response denying removal ( expected ). 
XX/XX/XXXX- When I called the number on the letter to ask about process to get an appraisal to have this reevaluated, was told that the number I was given was the wrong one and was given another number to call. Called the new number. Waited on hold and was dead-ended into a voice mail. Left message. Tried several times throughout the day to reach a live person. No luck. Was not given a call back. 
XX/XX/XXXX - Called XXXX XXXX was told that that was in fact NOT the number to call to get this resolved. Was transferred to the original number on the letter I received. Was again told that that was NOT the right department and given the ( original ) XXXX XXXX again. Before the call ended, I explained my experience and was transferred to a supervisor. Supervisor gave me the XXXX XXXX again, after trying to transfer me, where she only got the voice mail also. 

I have no way to reach a real person to get this resolved. And clearly the XXXX customer service doesn't know to get it done either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Radius Global Solution contacted me in regards to a debt. I have no knowledge of who this company is and why they have my private information. But the representative that called, gave me XXXX  from just answering an unidentifiable number calling my phone and feeling that because I wanted more information regarding this debt was a crime. All I wanted to do was exercise my rights in good faith, but Radius Global Solution doesn't seem trustworthy.

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 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debt card in the mail from Capital One around the end of XX/XX/2023. I do not bank with or have any accounts with Capital One. So someone has fraudulently open an account using my information without my permission or knowledge. In checking my emails this goes back as far as XX/XX/XXXX through XX/XX/XXXX. I contacted the company and reported the fraudulent account. I instructed them to close the account immediately and report the fraud. The Capital one person I talked to in the fraud department, Capital one agent # XXXX, refused to give me any information. I wanted to know when the account was opened and what they were going to do about this fraudulent account. So this issue with Capital One has not been resolved and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was unable to pay bills, do XXXX Friday, do shopping, it caused me a lot of distress, I was unable to do grocery shopping, I was unable to buy food for other people that I had promised, since I wasnt able to buy groceries, this defended my character, it made me look like a person that has no money or brakes promises! I was laid on a few bills I was laid on my rent, I just left a lot of people, including myself very unhappy and very stressed out, I asked them what was going on was why wasnt I able to use my card and they gave me a lot of back-and-forth, at the end of the day I am only a consumer I dont have time for all of this and figuring out what CHASE BANK is doing, all I know is I deposit money in my bank and I want to use it they told me I had limits on my account Which they never told me that in the beginning of the process, they just flat out lied to me XXXX minute they said that I had a limit on my account and I couldnt raise it until 12 months the next minute the representative told me that thats not true, but I still had limits on my card, it made me default on some payments. It made me go negative on some payments, and I owe because of that. They stopped my card too and made me go to the bank to get another card..I went and the tellers didnt understand why I needed a new one and there was nothing wrong with it! No one knows anything there! My XXXX XXXXXXXX could do a better job! This isnt right! People starved and looked at me like I was a no good liar..I couldnt cook XXXX they stopped my XXXX orders in mid route too smh! 
At merchants like at stores I was also turned down because my card just wont disperse anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$660.00}

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 2023-04-04
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an old debt owed to American Express. I recovered financially and wanted to pay off and clear my old debt. An " American Express Debt Collection '' company ( authorized to use the AMEX logos and represented as an agent of American Express ) looked up my employer phone number and repeated started calling my workplace. Repeatedly they had the receptionist " page the whole office '' to get me on the phone. This caused me very real conflict with my Broker in Charge and potentially jeopardized my license to do business as we have a fiduciary duty to the public and debt collectors calling and paging me at work is ILLEGAL. 
Because of this stress, duress, I called American Express and PAID A FULL SETTLEMENT they asked for to clear the debt and credit reports. 
American Express did not settle or clear the debt as agreed. When disputed, they also then reported the TOTAL DEBT and did not account for ANY OF MY PAYMENT. 
NOTE : this debt was very old, near the 7 year expiration, but I worked in good faith to try and settle. 
Now, they have sent me a tax form that I owe them money or have a credit I must report for the difference THEY AGREED TO. 
I was mislead, and they have broken various collection rules in this process. 
I would like this all REMOVED FROM MY CREDIT report at this stage as I have tried, and tried, all reasonable steps to work with them and they are being very unfair about handling this long past account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MD
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX XXXXBalance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX  Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( OriginalCreditor : XXXX  ) XXXX  Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX  Balance : {$690.00} ; 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 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 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 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
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 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 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Ive been trying get a account deleted off my credit report that I do not recognize, account name is 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 2023-09-08
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/2022, XXXX has XX/XX/2022, Experian has XX/XX/2022. All three can't be accurate or correct. FCRA requires you to fix it or delete it.

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 2023-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank puts unusually long holds on my funds. I made 2 deposits on XXXX and its now XXXX and the funds are still not available. 
One of the check was a personal check and the other was a check from the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have requested to update my personal address with copy of my drivers license. Ive requested deletion of all old addresses because i can not receive mail, i have no correspondence, nor do I have any access to these old addresses. I would like to be treated fairly and exercise my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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

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 2023-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
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:
XXXX XXXX is my name social is XXXX On my XXXX Credit report theor are 10 hard inquiries that are fraud I filed a federal trade commission identity theft report for the 10 hard inquiries please have XXXX removed those hard inquiries and regarding experian I have 4 hard inquiries that are fraudulent I filed a federal trade commission identity theft report its on file also their arr two negative items that are fraud XXXX and the other negative item has a balance of XXXX please have experian removed those 2 remaining negative items that are charged off off my experian report I filed a federal trade commission identity theft report its on file

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 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened an account for a credit card with Bank of America in early XXXXXXXX XXXX XXXXXXXX. I received a mailed invitation that I was pre-qualified and to apply for one in the mail. The offer included an option to transfer existing credit card balances for 0 % interest rate until XXXX. I applied and included amount I wished to transfer ; I was approved. I received the card within a couple weeks and went to activate and was prompted to call in due to fraud concern, I immediately called and was cleared for activation and use. I downloaded the application on my phone and within a few days, I received another fraud alert and called in to clear this up. I was advised I was all set. I made a XXXX payment and when I tried to use the card in late XXXX, it was declined. I received a notice by mail XX/XX/XXXX that my card had been cancelled. My credit score was impacted, and I was not allowed to make payment on the balance that was transferred. I called the company on XX/XX/XXXX and was advised they cleared me for payment, but I would have to reapply for a new card. My credit score is lower because of this, and I do not want to do this. They said there is nothing they can do. I filed a complained and demanded this be investigated as I have done nothing wrong. I have not made any purchases and have made payment on time. I believe this to be a tactic with this bank to lure business in to get the transfer fee. The rep, XXXX told me that this happens to a lot of people. I simply want my original card reactivated, be allowed to pay off the debt and have my credit score restored to what it was previously. This is a deceitful business practice and predatory. The company must review their fraud processes and business systems. Their XXXX page has a multitude of complaints and I wish I would have been a smarter consumer and reviewed this. I would never have applied for this card had I known the consistent issues that I would be facing when dealing with this company. I am also unable to view any documents or history in my app.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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