BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
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:
Im submitting 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$32.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX ( Original Creditor : AT T ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX OF 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 XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX GA XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; 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
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: IN
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:
There are multiple hard inquiries on my credit that are not mine from someone using my ID information to shop for cars online at least three times a day if not more sometimes with the same car lot or loan companies I asked the credit bureau I disputed though and they keep telling me I have to wait two years to get it cleared

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 2023-05-17
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OneMain financial services has manufactured fraudulent documents to seize private homestead, there was never any loan taken by the XXXX at any time in XXXX, I am in possession of numerous fraudulent documents that OneMain financial services has used to seize property that has no lein, XXXX paid cash for property in XXXX, as well as the claim from XXXX is on a Debt they are claiming, that is XXXX old, XXXX past the statute of limitations of Texas, They have obtained property they have no rights to, there are NO wet ink signatures on any documents, and they have never provided any to the courts. 

in XXXX, XXXX XXXX XXXX XXXX provided a Judgement on the property of the XXXX from XXXX, XXXX XXXX did not take precautions to protect sensitive information and for XXXX XXXX XXXX XXXX XXXX XXXX name , dates of birth, complete social security numbers XXXX and complete driver 's license numbers were made available to anyone to access, then XXXX later a fraudulent deed was filed as the information on such deed is questionable not containing witnesses signatures, this must stop, I got the run around last time, so i will expect it to be the same this time, your office has directly affected the safety of a victim of a crime, it's a real shame this is how citizens get treated like criminals and the criminals get a free pass from government entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The account is for an apartment lease. I disputed that account in XXXX  at the credit bureaus and the account was deleted from my credit, currently it does not appear on my credit report. They called my son who also appeared in the lease and began to aggressively tell him to do a XXXX way for him to call me and asking him for personal information such as my son 's address after that the person tell him that if he did not return the call in XXXX hour they were going to take the case to court. 
They told my son that the amount was like {$4500.00}. The company is XXXX XXXX, I check online and this company have a lot of complaints and is not register at the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 bunch of emails from Bank of America at XXXX indicating a new account was opened. I knew this was something done fraudulently so I contacted Bank of America Fraud department and they confirmed that someone used my social security number to open a checking account. They also used the name XXXX XXXX and and a fictitious mailing address from California! I contacted the fraud department and they canceled and blocked the account. My major concern is that my social security number is in the hands of criminals and I am reaching out to you for additional support and added protection for my identity and social security number.

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 2023-05-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Additional notice to Navy Federal Credit Union, I do not have a debit card for my account ending in XXXX, you have deprived me of my right to use my credit card, credit is my right granted. Please see attachments. Thank you for your attention to this serious matter. XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently fell victim to identity theft and discovered that the thief had racked up a significant amount of debt in my name. After contacting the credit collection services, I learned that the debt was wrongfully assigned to me. I have been working diligently to retrieve the debt and clear my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
A debt validation letter, along with a cease and desist letter had been issued to the company above. They continue calling me disregarding they cease and desist, as well as repossessed my car without responding to the debt validation letter. I would like to enforce my right to resend this contract, and retrieve my vehicle, title, and money paid towards the alleged loan. Please help me. I have XXXX children. I never received the letter as giving me the option to resend the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
In accordance wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 then 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 thst the information is inaccurate

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 2023-01-20
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paid cash the day of procedure ( couldn't have procedure without paying upfront ), Was given a receipt but can't find and now they are saying I never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : AMERICAN EXPRESS XXXX {$9600.00} XX/XX/2021 15 U.S.C, 1681section 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 an 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 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 2023-06-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.

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 2023-01-20
Company: MIDFIRST BANK
State: IL
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:
On XX/XX/2022 I was notified of a " 120 day late mortgage payment '' on my credit report. I thought this was strange because we were actively in mortgage forbearance through our mortgage company as well as being under the Covid clause per the government. Now I understand that this was lifted however, I was told by multiple different agents that the company had not been reporting for months. I immediately sent our mortgage company an email as well as a phone call trying to make sense of this. We also had made a payment in XXXX and XXXX so I wasn't sure why this was being marked 120 days past due. Understandably, I thought it was from covid but I pulled the credit report and nothing was reported during that time frame. They sent me a first class letter saying it was accurate -- that was it. Nothing in detail and it seemed to be very looked over.

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 2023-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I Wrote to Equifax to fix an error on my credit report and they have not even responded. 
I have requested they review, and fix or remove an incorrectly reported item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My rewards balance remain constantly the same {$17.00} for months. 
I use capital one shopping and activate offers, but somehow rewards are not changing. I have contatcted capital one shopping in XXXX and received response that it may take up to 90 days for rewards to show up in my account. I did however check a timeline and it has been much longer than that, I did reach out again to capitalone shopping rewards again and I did includ full statement of all purchases, but so far I have not received any response. This is an email I contacted XXXX. Person name is XXXX who replied once. 
I do hope you will assist me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681BXXXX PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.

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 2023-01-20
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
Both Citibank and XXXX XXXX have things on my report from 10 years ago. I tried everything to get them removed but they wont do it. I thought 7 years was the limit to report things. Citibank was actually claimed on my taxes in 2019 because the issued a tax form on the account. Its been paid and written off.

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 2023-05-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Navy Federal Credit Union ( XX/XX/XXXX at XXXX ) to get a credit card extension and they denied it siting obscure reasons. They increased my interest rate to an unreasonable rate. I'm on a fixed income and they are squeezing to the point of causing my credit score to go down. I've contacted them via direct message on the app ( XX/XX/XXXX & XX/XX/XXXX ) they provide for customers and nobody has responded to me. I'm a XXXX  veteran who's looking for work and their lack of flexibility in providing extension or reducing my interest rate is predatory. I've since called again ( XX/XX/XXXX at XXXX ) to resubmit the same application for an extension and waiting on word back. The amount I owe on the card is {$17000.00} and they want me to pay {$690.00}. They have failed to provide the assistance they claim to provide on their app under the past due accounts tab they so conveniently highlighted on the app to remind me that my account is past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have pre existing laye payments on credit cards that I have paid off and are not open any more. How can I get the late payments off my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$5100.00}

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 2023-06-13
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/, I received a letter from Barclays stating that my application for a Barclays Mastercard Black Card was denied because its " review of my prior interactions with Barclays allegedly evidenced cardmember behavior toward Barclays ' representatives which allegedly did not comply with its expectations. '' Those assertions are patently false and defamatory. I have never had any prior interactions of any kind with Barclays that " evidenced cardmember behavior toward Barclays ' representatives which did not comply with [ Barclays ' ] expectations ''.

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