BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I made a complaint to Citibank about unauthorized transactions using my card information ( XX/XX/XXXX ). The original complaint included the amount of times I had contacted the company about the unauthorized transactions ( 12 times ) and nothing was done. On XX/XX/XXXX I received a letter from Citibank and the complaint had not been fully resolved in my favor due to the representative leaving important details out. Citibank had declined my request to credit me for the 8 unauthorized charges from XXXX XXXX XXXX totaling {$230.00} because it was from the same mobile wallet used in previous transactions. I had told the representative that during that time I had lost my phone as well as my wallet while I was out. I don't know if the representative heard me but had left out important details about my phone being stolen causing my mobile wallet to be at risk. I managed to call every other card company to fix my issues but Citibank was the only company giving me a hard time. I had not attended any event at XXXX XXXX during that time. I recently have gotten a new phone as my old phone is either lost or stolen. I did not authorize ANY purchases using any phone during that time. As I mentioned in my previous complained I called Citibank to fix this issue and nothing was done for almost an entire month. I do not want to pay for ANY of these unauthorized transactions. 

XX/XX/XXXX {$52.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$24.00}

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 monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted my request to have 3 separate bankruptcies removed from my credit report in XXXX, XXXX, and also XXXX. Equifax informed me that they were unable to verify my identity. I sent over copies of my id, ssn, and proof of address several different times. I have the certified receipt showing that it was delivered XX/XX/2020 with a tracking number of XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE THE TIME OR THE MONEY TO KEEP SENDING ITEMS CERTIFIED JUST FOR EQUIFAX TO SAY THEY DID NOT RECEIVE IT. I also sent them copies from their own 3rd party verification department which is XXXX showing they have deleted the bankruptcies from my report, yet Equifax is refusing to remove them and it's causing me issues with me purchasing my home. I don't understand what the issue is. It is against the law to report un-factual information but yet it's still being reported due to them being paid to report. Equifax has already been sued in a class action lawsuit. I am requesting that it get deleted from my report immediately or i will sue Equifax. CFPB is suppose to assist consumers with things like this but yet this is my 5th complaint and nothing is getting done. 
Desired Results : REMOVE THE BANKRUPTCIES FROM MY REPORT Why : It is not verifiable and their 3rd party verification department XXXX XXXX has already deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a the same Company complaints as I reported XXXX ( last XX/XX/XXXX ) and they just passed it to another Collection Agency. They mailed it to me on XX/XX/XXXX, the time where we suffered also a tremendous impact done by COVID-19,  we are suffering also of financial hardship. Attached is a copy of their notice, dated XX/XX/XXXX with the amount of {$8500.00} by a XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX, toll free XXXX. 

The vehicle that they are pertaining to was actually repossessed by taking away in my parking lot without any notification thus was reported to the Police of a suspicion of Thief Loss. Later, the company was verified that the vehicle was under their authority and sold to another person as the new owner. Accordingly as per se,  we signed an agreement that we have to finish in paying our monthly dues but the dealer financier had never told or explained everything to us but just a signature. Hopefully, our complaints must be heard in your office, thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one account involved in a breach. I closed the account and demand they explain why I wasnt notified of this breach inside. I have found my information is on the dark web and have ask capital one to close this account and remove from all 3 bureaus. They have sent me a credit monitoring company that I can enroll with its too late for it now. I want the account that I closed they are still adding late fees and reporting late in my credit report. I would like this account removed and closed immediately. I am not paying a card that was hacked. I dont owe XXXX on this closed card due to the activity and hacking status. I have proof that my email address was found on the black web and it has hacked with my old phone number XXXX. My credit score is being compromised by capital one because they keep reporting me late in a closed account that they let an insider working at capital on gain access to my file and hack my email contacts and tried to hack my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Southwest Recovery Services, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest Recovery Services is reporting I owe them {$1100.00}, trying to collect. I never had an account with this company. I hired XXXX XXXX to help with this situation. A letter was sent to Southwest Recovery and the letter was returned to sender. I have tried to call and no response. This is very frustrating because my identity has been stolen several times in the last 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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:
I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit 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 non-monetary relief
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( EXPERIAN, XXXX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup 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 explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: CO
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:
Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Experian was reporting FALSE INACCURATE information to my consumer report by marking an account in collections as " open '' and by having inaccurate balances. I disputed This inaccurate information with Experian nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Experian is currently RE-AGING this account which is a violation of FCRA sec.605. On XX/XX/2022 They responded by " UPDATING '' the account and balance instead of removing it. THIS IS FRAUDULENT AND ILLAGAL UNLESS EXPERIAN CAN SUMBIT MY PAYMENTS RECIPTS FOR THIS ACCOUNT. PLEASE REVIEW MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE EXPERIAN HAS NOT VALIDATED THIS ACCOUNT AND HAS BEEN VIOLATING MY RIGHTS UNER FCRA SEC. 605 RE-AGING DEBT! I AM ENTITLED TO A 100 % ACCURATE REPORT AND THIS IS FALSE

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 2022-09-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Months ago, i sent in a letter to Equifax to validate some accounts that came up on my credit report. I received a response back but their investigation was not thorough at all. They did not show me proof of my debt that they are saying i owe. I gave up for awhile because i was not getting any response back from the bureau. I checked y credit report again today and they have added a tremendous amount of accounts and they have no information for these accounts. All of the accounts have no creditor name, no creditor address, no phone number, nothing. Most of them are also duplicated more than twice on my account. They listed some of them under opened accounts and then relisted them under collections as well. 

Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX COLLECTIONS : Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX These information have been hurting me. I am not able to get a house, ive been denied jobs, and other things i am trying to do to get my life in order. This is very unfair because by law they should be reporting detailed an accurate information. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX/XXXX/17 I received a phone call from Receiveable Management Services Corporation ph. # XXXX. They said I owed them {$310.00}. for healthcare premiums. This did n't seem right so I called XXXX and they said I had no unpaid premiums or claims. When I asked where they received my information from they said the XXXX XXXX. I called and they said they do n't give information to debt collectors. They are the center for applications with obamacare. I then called them back and they had my name and address with someone 's social security # affiliated with this fake account. They then hung up and refused to talk to me. They then called me again on XXXX/XXXX/17 and left a message stating a owed a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have atttached backup of my complaint. XXXX my escrow balance was {$660.00} Nationstar Service . Nationstar became Mr. Cooper. We paid full escrow {$160.00} for 8 months {$1900.00}. Mr. Cooper no longer transparent on escrow balance on statements. Mr. Cooper without my authorization paid home insurance bill twice with 2 different amounts. I called up and opted out of escrow. Then they in error just opted out of RE taxes so I called again and said all was opted out. Finally got full opt out but now they are not refunded the monies due us on the escrow balance they were holding.and refunded only {$190.00}. Contacted them again and the people that look at the account have no knowledge of the balance they are holding just the current year analysis and never look at beginning balance. They claim they sent a check of {$110.00} XX/XX/XXXX but we never received it and I asked what address it was sent to and he couldn't answer and just said that is all the balance left in escrow. I show they owed prior to the refund of {$190.00} they owed {$280.00}. You can never talk to anyone who knows anything about basic accounting. Did Nationstar not transfer all the monies to Mr Cooper? Who knows But they still owe us a total of {$280.00} as we never received the check they claim they sent {$110.00}. There is no way to look at the account and see what they are doing. Nationstar was always transparent with the escrow account. What do I do now? I wrote them a letter complaining but all they did was sent a letter acknowledging they receipt of my letter. There should be a full audit of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase will not comply with EFTA laws and regulations which states time to report fraud and theft to a financial institution due to extenuating circumstances must be extended to a reasonable time ( 12 CFR 1005.6 ( b ) ( 4 ) ; comment6 ( b ) ( 4 ) -1 ). I have XXXX and during my treatment ACHs in the amount of $ XXXX were taken from the account. The fraud started XX/XX/XXXX. Officials during this time rolled out restrictions due to Covid I was under directive to stay home. Executive order 20-91. Chase shutdown 1000 branches, the branches which stayed open had drive through. Chase had fewer internal control in place to stop fraud less likely to catch suspicious transactions. Even if I could have physically been able I could not have reported the fraud. On XX/XX/XXXX Chase customer service called me about a suspicious transaction I drove to bank to XXXX XXXX branch requested the help of XXXX XXXX he tried for over an hour to file a claim and didnt know how, he said to come back next day. I called XXXX XXXX XXXX and she filed the claim after banking hours. I was not physically capable to provide notification to Chase in XXXX due to XXXX, XXXX and three XXXXXXXX XXXX. The side effects XXXX  left me XXXX XXXX XXXX. Chase implementation of fraud prevention to identify ACH debits was non existent didnt red flag till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian are still reporting FALSE information that has not been validated I have sent in numerous Validation letters along with identity theft reports

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 2021-04-16
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 XXXXXXXX XXXX  2020, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world  cause me to missed a payment on my capital one credit card in XXXXXXXX XXXX 2020. I didn't know i was penalized on my credit report for this late, I tried calling capital one today to have this removed and they refused to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNT. IT IS TO MY UNDERSTANDING THAT LATE PAYMENTS ARE AGAINST THE LAW. CORRECT ME IF I'M WRONG BUT LAW IS LAW.

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