BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
after viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own. DEBIT COLLECTION NAME, XXXX XXXX XXXX  ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Bread Financial Holdings, Inc.
State: NY
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:
I have these items that does not belong to me and i want them to be removed from my credit. 

XXXX  1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CCB/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX  1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft COMENITYBANK/VICTORIA Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: AL
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 checked my credit report last year in XXXX of XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from Equifax, XXXX, and XXXX. This should be considered fraudulent if no one can provide the information I'm requesting to verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX gave a loan modification taking me to court or I signed their paper against my will but if I did I loos the house so they force me too they stoled all my loan modification 3 payments argument was they used for fraudulent thing like pay for some one to watch my house wen I was living in it ... or some other expenses they invented now days they keep talking about been late in my mortgage payments 3 months into the loan modification they claimed its the scrow payments started to change but the truth is that they adjusted every time the scrow changes they keep talking about a bankruptcy but no prove lies and fraudalent is their way every time I complain they send a lawyer they have to intimidate me costumer service won't help but their lawyers will not they send me a letter last week about mortgage been sold to a different bank claiming that I did a bankruptcy no prove but a lot of fraud going on between XXXX XXXX XXXX   and shellpoint mortgage services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
A key XXXX wants credit reporting agencies Equifax, XXXX and XXXX investigated for allegedly failing to respond to consumer complaints during the pandemic. 

XXXX XXXX XXXX, the chairman of the House Select Subcommittee on the Coronavirus Crisis, said the nations three largest nationwide consumer reporting agencies have longstanding problems with responding to consumers who raise complaints about credit reporting errors. ( XXXX, XXXX, XXXX ) Pursuant to 15 USC 1681i, these CONSUMER REPORTING AGENCIES were negligent and non compliant to several of my disputed attempts. I had to constantly try to enforce my consumer rights from the time span of XX/XX/XXXX until present day, which I am still in communication in good faith, although their negligence has caused me and my family severe hardship. The willful and knowing adverse actions taken against me constitutes harassment, defamation of character, as well as identity theft ( unauthorized use ) for reporting inaccurate reports that were never investigated nor did I ever give my written instructions for these inaccuracies to be reported to my credit file. 

Furthermore, these inaccuracies did not seize to be reported to my consumer file before the end of the thirty ( 30 ) day period beginning on the date on which the agency receives the notice of dispute from me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
A key Democrat wants credit reporting agencies XXXX, XXXX and TransUnion investigated for allegedly failing to respond to consumer complaints during the pandemic. 

XXXX XXXX XXXX, the chairman of the House Select Subcommittee on the Coronavirus Crisis, said the nations three largest nationwide consumer reporting agencies have longstanding problems with responding to consumers who raise complaints about credit reporting errors. ( XXXX, XXXX, XXXX ) Pursuant to 15 USC 1681i, these CONSUMER REPORTING AGENCIES were negligent and non compliant to several of my disputed attempts. I had to constantly try to enforce my consumer rights from the time span of XXXX XXXX until present day, which I am still in communication in good faith, although their negligence has caused me and my family severe hardship. The willful and knowing adverse actions taken against me constitutes harassment, defamation of character, as well as identity theft ( unauthorized use ) for reporting inaccurate reports that were never investigated nor did I ever give my written instructions for these inaccuracies to be reported to my credit file. 

Furthermore, these inaccuracies did not seize to be reported to my consumer file before the end of the thirty ( 30 ) day period beginning on the date on which the agency receives the notice of dispute from me the consumer.

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 2022-08-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My sister and I went to a salon named studio elements it was recommended by multiple friends who have had services done by the hairstylist. My sister and I both booked the service after exchanging dms. The amount I had to send to hold the appointment was {$200.00} through XXXX ( chase bank ). This is standard for a lot of private business. Her account is very active and she posts multiple clients on her story and page. We waited in the salon & she was running late. She kept up us updated throughout the time we waited with explanation as to why she was late. After waiting XXXX hours we realized that something was off & ask one of the salon workers if they knew her. They let us know that she no longer works there & that the same thing happened last week to another client. The XXXX was sent to XXXX XXXX. After speaking to the bank I was told they filled a claim but never received the email or heard back from the claim. They told me to contact XXXX directly & XXXX told me they could not do anything that it was up to my bank. Overall nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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:
Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself. 

So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me. 

I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits. 

The information of the inquiries is : XXXX and XXXX Report : CAPITAL ONE Inquiry : XXXX XXXX, XXXX XXXX CAPITAL ONE XXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ___________________ CAPITAL ONEXXXX Inquiry : XXXX. XXXX, XXXX XXXX CAPITAL ONE XXXX XXXX, VA XXXX ( XXXX ) XXXX ____________________ CAPITAL ONE Inquiry : XXXX. XXXX, XXXX XXXX CAPITAL ONE XXXX, VA XXXX ( XXXX ) XXXX _____________________ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor. 
________________________ XXXX Credit Report : CAP ONE NA and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XXXX XXXX my XXXX was in involved in a car accident witch my insurance company called it a total loss. In XX/XX/2022 XXXX sent in the amount that I owe with interest rate so I called challenge financial Services and I spoke to XXXX I ask her why did it go from XXXX to XXXX I also ask XXXX for a payout without interest rate what it would be she said that there is no payout with out interest so I ask why can't I get a payout with out interest rate added to it I'm giving you XXXX lump sum to pay off my XXXX  she hung up on me. So know at this point I feel that this finance company is trying to get over on me.all I need it the payout with out interest rate. And I want to know where did the XXXX down payment go I do see it on any of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: DISCOVER BANK
State: CO
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:
When I contacted Discover Card regarding a refund from XXXX XXXX for bait and switch tactics they were at first very nice and cooperative and sympathized with me. Then they decided the opposite and went against me and then claimed they were no longer a credit card company but a " document company '' and thereby reversing my refund. XXXX has bribed Discover to never allow refunds, which is legalized theft. Bogus " credit '' with an airline simply is a lie as I have shown Discover and they continue to ignore the theft. Keep in mind I'm being punished for NOT allowing myself to be stolen from hence the cancellation of my trip when the price kept going up and up and up for no real reason so I just stopped the whole transaction and have to pay them for nothing and their claim of a credit is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Bread Financial Holdings, Inc.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A wire was sent to my Comenity Direct account on XX/XX/XXXX in the amount of {$44000.00}. However, the Bank did not book in the funds until 3 days later on XX/XX/XXXX, depriving me of three days interest. The Bank justified its ' action by falsely claiming that XX/XX/XXXX was a Bank Holiday, with a subsequent weekend. The XXXX XXXX  Reference Number that proves the funds were received on XX/XX/XXXX is XXXX. 
I request the CFPB compel the Bank to credit my account three days of additional interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX of Penn Credit Corporation to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it. 
15 U.S. Code 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

This company is in violation and performing an infringement upon a consumer 's right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Porania, LLC
State: NV
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 have filed disputes in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-02
Company: Resurgent Capital Services L.P.
State: GA
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:
I had 2 accounts with XXXX XXXX XXXX. I closed both of them at the same time, one had a balance of less than {$10.00} and the other one was over {$1000.00}. I have been paying on the higher balance one as I agreed with the amount owed. 
The account ending in XXXX I disputed with Resurgent. They sent me the statements and there are 3 months of no statements where the amount owed went from less than {$10.00} to over {$1700.00} and kept accruing interest and late fees, now totaling {$2100.00}. I have repeatedly asked for them to show where the charges came from on a closed account. The last agent I spoke with at Resurgent advised me that I have to prove I didn't make the charges. No, you have to provide me documentation showing where the charges came from, which they have repeatedly failed to do so. 
This account was closed, I would be happy to pay the balance that was showing on the final statement that was less than {$10.00}, but I will not pay for any more as I didn't have the card and they can't provide what the charges were after the final statement I had originally received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account 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. The 3 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 3 are 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 ( 5 ), 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. This account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NY
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:
I would like a proper investigation under these hard inquiries I did not give any permissible purpose for I would like to have a proper investigation showing written in writing my signature or authorization to run my credit. In accordance with the Fair Credit Reporting act. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation