BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. 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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an email from Chase bank on XX/XX/23 that I applied for a credit card but I did not. I talked to the bank and they closed the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: VA
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:
While reviewing my Experian XX/XX/XXXX credit report I noticed XXXX hard credit inquiries that do not belong to me and are not mine. Please remove them asap as they are adversely impacting my credit score. 

Hard Experian Credit Inquiries that are not mine : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXXXXXX 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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These are unauthorized and unverified inquiries!

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 2022-07-28
Company: Experian Information Solutions Inc.
State: AR
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:
THE CREDIT BUREAUS AND THE XXXX  HAVE NOT RESPONDED OR INVESTIGATED MY DISPUTES. 

I SENT THEM MULTIPLE OF DISPUTES EVERY 30 DAYS FOR 3 MONTHS STRAIGHT, WITH NO RESPONSE. 

PLEASE HAVE THEM DELETE THIS INACCURATE CENTERPOINT ACCOUNT FROM MY CREDIT REPORTS. 

IF THEY DON'T REMOVE THIS ACCOUNT I'M MOVING FORWARD WITH LITIGATION, AND STANDING ON MY CONSUMER RIGHTS THAT THEY HAVE TO ABIDE BY.

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 2022-06-25
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt with XXXX XXXX. After nonpayment XXXX XXXX hired another company to collect the debt. On XX/XX/2022 ICSystems was recalled from the process. I since paid the bill. I called XXXX and they verified that on XX/XX/2022 the account was paid. I have called ICSystems numerous times and disputed my credit report. They refuse to delete the 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 2023-11-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting 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:
Open a Jet Blue Barclay Master card with a XXXX credit limit. As of today got a letter that sates my credit is not only XXXX This is misleading due to the fact that inquiry was not done appropriately at the begin which the line of credit was open. This not now at practice

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 2023-11-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Citizens Bank NA ran my credit on XX/XX/. I have tried multiple times to reach customer service but you can not get through without providing an account number. I am NOT a customer of Citizens Bank, did not perform any credit transactions with them, don't have an account or bank account with them, they are not underwriting any insurance for me and they have no legitimate business need in connection with me to be running my credit report. As far as I am concerned, this is not allowed by law and I would like a written explanation about why they are running my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are in direct violation of my rights per the FCRA as they are reporting false information and refuse to delete the account from my credit file. I've submitted a dispute to both the collection agency as well as the credit bureaus, but they continue to confirm that this debt is coming back valid. I paid the owed amount of {$2100.00} to the original creditor via cashiers check and confirmed with my banking facility that the check was cashed by the original creditor on XX/XX/23. I have submitted a complaint with the State Attorney 's General Office as well, given that the collection agency is in direct violation I can exercise my right to file a lawsuit, but just want the item deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a follow-up to complaint # XXXX, as CFPB closed the case, which no longer allowed me to respond or add anything. 

On XX/XX/XXXX, XXXX XXXX from Wells Fargo responded promising " Monetary Relief '' as a courtesy of {$10.00}, with no explanation of how I would receive that or a timetable in which to expect it. I hereby reject that courtesy credit, as I was told my purchases didn't qualify, which is FALSE. Their claim was that " XXXX XXXX only had some of their locations listed as part of their promotion ; the location I visited was not listed '' and " XXXX XXXX does not qualify as part of the promotion ''. 

The terms of this " XXXX XXXX XXXX XXXXXXXX XXXX '' promotion gave a website " XXXX '' that lists participating businesses, that is where I found these 2 restaurants before patronizing them. I will be uploading screenshots to this case from that site, showing the " XXXX XXXX '' emblem next to the address of the exact locations I made purchases from, taken the same day the purchases were made. Also, those same businesses CAN STILL BE FOUND as participating in this promotion on that web site, RIGHT NOW. 

Also included will be a screenshot of my credit card statement showing both entries, to identify them as the proper locations, and to show that I have not yet been credited properly for this promotion. XXXX XXXX purchase was {$14.00}, XXXX XXXX was {$11.00}, both purchases were made on XX/XX/XXXX. 

And finally, a screenshot of the promotion 's terms showing the aforementioned web site for finding participating businesses will also be included. 

In closing, I want it made clear that I completed the offer properly PER YOUR TERMS, my purchases did qualify PER YOUR TERMS, and I want it recognized and acknowledged properly and to be credited as such, NOT as a courtesy.

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 2022-11-28
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint with cfpb in XX/XX/2022. After Mr. Cooper filed an answer, the file was closed. I have NO IDEA of what the intentions are with Mr. Cooper, so I filed a Qualified Written Request, # XXXX to CEO XXXX XXXX and # XXXX to Mr. Cooper " Notice of error Department/Request for information '', Both of these XXXX  's were Acknowledged in writing stating " a response will be provided by XXXX XXXX,, and XX/XX/2022 respectively. As of this complaint I have not received any kind of response from either of my XXXX, I have all the tracking information if you require. 

I am almost XXXX, I am very compromised health wise, These two XXXX  were sent with the hopes that I could have an idea regarding my home. Mr. Cooper will say I am XXXX payments behind, NOT ACCURATE!! I've made XXXX Trial payments, XXXX Post Trial payments, and I HAVE POST TRIAL PAYMENTS XXXX, ( over XXXX. ) Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
My data was breached in the CapitalOne XXXX attack. 

However, upon visiting the CapitalOne class action settlement website, I was unable to file a claim, because Capital None did not send me a unique ID and PIN, which they require to submit a claim. 

The website at https : //www.capitalonesettlement.com/en is completely useless. I tried emailing the XXXX and all I got was an autoresponder email message with the exact same stuff on the FAQ and then linking back to the website! 

I then tried calling the number XXXX and all I got was a robo message asking me if I want to listen to the website read out to me. 

I even emailed XXXX Nobody is responding to my emails or picking up when I call. I am stuck. I want to file a claim. The deadline is approaching in XXXX. I can not afford to wait. 

I am at my wits end! CapitalOne has made it impossible for me or anyone else to file a claim. They have perfected the art of being slothful. How can they continue to be licensed as a bank? 

I need someone from CFPB to help. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
THE CREDIT BUREAUS AND THE CENTERPOINT HAVE NOT RESPONDED OR INVESTIGATED MY DISPUTES. 

I SENT THEM MULTIPLE OF DISPUTES EVERY 30 DAYS FOR 3 MONTHS STRAIGHT, WITH NO RESPONSE. 

PLEASE HAVE THEM DELETE THIS INACCURATE CENTERPOINT ACCOUNT FROM MY CREDIT REPORTS. 

IF THEY DON'T REMOVE THIS ACCOUNT I'M MOVING FORWARD WITH LITIGATION, AND STANDING ON MY CONSUMER RIGHTS THAT THEY HAVE TO ABIDE BY.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Account Number : XXXX XXXX XXXX is reporting this account as a " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX of 2019 before my planned XXXX, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the XXXX forces. I have disputed this account numerous times within the past 3 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.

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 2022-08-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 a charge on my Capital One Credit Card of {$200.00} from XXXX XXXX on the account on XX/XX/2021 which I disputed due to the airline not honoring their policies. Capital One spoke to XXXX XXXX and XXXX XXXX gave me a shopping credit for their airline, and Capital One reinstated the charge on my account. However, once I tried to use the credit with XXXX XXXX it was no longer valid even though it was within the time frame I was given because XXXX XXXX stated Capital One removed the funds. I spoke to Capital One once more to give me back my money since they withdrew the money from XXXX XXXX and Capital One said the case was closed. I still have not received my money back. I have evidence of the credit/voucher I was given by XXXX XXXX  with the expiration date valid that unfortunately was canceled due to Capital One withdrawing the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There are items that i have disputed with Equifax that does not belong to me an is a result of identity theft I am aware that 15 usc 1681c-2 states that the information must be removed not later than 4 business days after receipt of a copy of an identity theft report which i have included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Notice Of Cease & Desist This is a warning notice to the alleged wrongdoer of such debt which youre a debt collector because you are simply attempting to collect multiple alleged debts. I noticed I've been violated pursuant to the FDCPA, there is evidence of the use of abusive, deceptive, and unfair debt collection practices. There is also evidence of aggravated identity theft, misleading representations & harassment. These practices resulted in the infringement of my intellectual property rights. 

Pursuant to XXXX XXXX XXXX ( c ) ( XXXX ) I am invoking my specified remedies as a federally protected consumer. 

I am demanding all of the following : I refuse to pay this alleged debt. 
Stop illegal negative reporting activity to ALL consumer reporting agencies. 
Report positive monthly to ALL consumer reporting agencies Check of {$3000.00} for violations. 
XXXX XXXX ( not a billing statement ) XXXX, this is a notice pursuant to the FDCPA. Failure to honor the demands above and send proper validation of the alleged debt within 14 days of receipt of this notice, shall : Be taken as tacit agreement to the claims set forth, XXXX the consumer all demanded remedies and Will result in litigation/ and or arbitration. 


( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Assignees who are debt XXXX are responsible for the actions of those collecting on their behalf ; citing Police, XXXX at XXXX. ) Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to your response on a previous CFPB complaint response, you said that the previous contract " was not funded ''. However, I never submitted two contracts. I have one contract ( contract # XXXX ). Is this the contract you are referring to? If it is, then you are now saying that the contract is void and holds no value. Seeing how this was an error on your end and the car dealership 's end. This has become a problem for me considering you have been reporting false information to the credit bureaus as I first exclaimed. I hope that you understand the importance of being completely honest regarding federal statutes. Again, there are serious penalties from the federal government for violating TILA. Failing to accurately disclose finance charges, APR charges, and the misapplication of daily interest are shown on contract XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Previous landlord apparently sent a false debt to a dent collector. I sent the document from court showing correct amount but the dent collector is still attacking my credit report with false information. I didn't break the lease the owner XXXXXXXX XXXX gave us a letter telling us the lease is being terminated and to move out so we did. We had paid rent which I showed them on my bank statement but they still evicted us. Even showed their lawyer at the court date and she still pursued with eviction. XXXX a shady bunch of thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 3rd attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}

Company response to consumer: Closed with explanation