BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was open fraudulent in my name with capital one ending in XXXX. Capital one is reporting fraudulent activity on my credit report and refusing to do a thorough investigation. My identity was used to open a credit card at capital one bank while i was out of the country. 

I need capital one to take responsibility and accept that they didnt take the necessary steps to protect my identity and avoid fraud. I want the fraudulent account deleted. 

I have attached documents of when I was out of the country, a copy of the police report and a letter from my bank for the fraudulent payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently requested copies of my credit reports from all three credit bureaus, ( Trasnunion, XXXX, XXXX   ) and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.

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 2022-07-24
Company: Experian Information Solutions Inc.
State: MN
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has XXXX my rights. 
XXXX XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has XXXX my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX LA XXXX has violated my rights. 
XXXX XXXX XXXX Missouri XXXX has violated my rights. 
XXXX / XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The XXXX stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has not removed this item, although they have been contacted by XXXX as well as I have submitted documentation directly from XXXX that states the line item should be removed.

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 2022-07-24
Company: Genesis FS Card Services, Inc.
State: GA
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 am disputing the indigo credit card also XXXX XXXX credit card also XXXX and the other so I disputing 4 on my report I was incarcerated for a period of time some people got ahold to all my belongings I need these things off my report they my info was lost and used at that time I was. Gone away from my home. Identity theft was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently requested copies of my credit reports from all three credit bureaus, ( XXXX, Equifax, XXXX  ) and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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:
these settled charge off accounts are still reporting inaccurate on my XXXX & XXXX & equifax.. these XXXX XXXX  XXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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:
I have been on the phone monthly with the three major credit reporting agencies and finally got the last bit cleared up today. This has cost me credit cards and loans. It started with one person getting caught fraudulently using a card in my name. He was arrested. 

Later, several accounts came up in my name but a different social was entered on all three credit reporting sites, showing that I had two social security numbers ( red flag? ). It took my roughly 2 years to get them to stop reporting it. After my fourth mail in attempt to XXXX  and XXXX, they changed the social and misreported address used to send mail to. Ironically, we knew the people at the fraudulent address and they helped us to report and attempt to rectify the issue. 

Experian has just now removed the personal information after several more attempts to mail in the correct information. That is ridiculous and has affected my financial capabilities. 

With all the data breaches in the last few years, its impossible for a civilian to catch identity theft as it happens. That is decided by how secure our credit bureaus are ( which judging by the amount of time my shadow had access to my credit, not secure at all ). 

Credit Reporting Bureaus have proven themselves useless in helping victims of identity theft even though they are the last line of defense and the police are useless too unless they are caught in the act. There needs to be more responsibility on the CRBs.

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 2016-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed a collection account by XXXX XXXX XXXX XXXX and was told by Experian that the information was correct. I sent XXXX 2 letters, beginning in XXXX 2016, disputing the claim and demanding validation that the account in fact belonged to me. I received a response saying they received my letter, but I never received validation or agreement to remove it from my credit report. My understanding is that if they ca n't validate the account they must remove the information 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 2021-12-16
Company: Early Warning Services, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have had occasional suspect purchases over the years that have been made electronically through my checking account. The amounts never exceeded more than $ 500- {$1000.00} and were usually flagged by the bank and the money was credited back to me. However, recently I decided to switch banks and when I went to open an account I was flagged by Early Warning Services , Inc. for " account abuse, '' reported by XXXX XXXX, a bank I have never used before. Upon further investigation and after receiving the Early Warning Services report I saw numerous occasions where my social security number had been used to open accounts using banks I have never used before. My name was correct, my social security number was correct, however most other information such as Email address, physical address, Driver 's License information, was inaccurate. In all cases the accounts were open for up to a couple years but had been closed. There were about 4 or 5 such instances. I have filed a police report and am waiting for the detective to complete it. In the mean time he has issued me a Police blotter. I can provide whatever documentation you would like to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email from XXXX XXXX and there is a new XXXX XXXX account I do not recognize opening.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept of Ed XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX / XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2021-12-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in a forbearance since XX/XX/2021. I was informed by my loan servicer that at the end of the forbearance the payments would be deferred to the end of the loan. My mortgage was sold to another mortgage servicer ( select portfolio servicing ). After completing an RMA with them they informed me that all they could offer was a repayment plan at double my mortgage payment for 6 months followed by a large lump sum payment to bring the account current. I filed an appeal stating that I could not afford that plan. They then stated that my only option to avoid foreclosure was to pay the full amount owed. I have resumed making my usual monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original debtor deleted this from my credit history years ago when first disputed. This debt is TIME BARRED regardless. Portfolio recovery continues to report it and has damaged my credit irreparably for the past 5 to 6 years. Today I received another call even after Ive asked them to stop calling for the past year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I received a check in the mail for about {$2000.00} and I deposited it in my account. My bank fulfilled the check 2 days later. I then withdrew a certain amount from that check and deposited it in another account. Another 2 days later, my balance is almost - {$1500.00}. It turns out that the check was fictitious and I was left to pay back money that was n't even mine.

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 2020-06-22
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son had a XXXX that was covered under XXXX in Virginia ( XXXX ). There are two doctor visits on XX/XX/XXXX and XX/XX/XXXX that should have been covered under our policy. The doctor, accountant, and XXXX all confirmed it would be covered. Then the bills started coming. When I phoned and wrote letters with the full information - the bill was sent to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: SYNCHRONY FINANCIAL
State: AL
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 filed XXXX XXXX  bankruptcy ( no-asset ) and is dismissed. I contacted the credit card company and advised them I had filed. I disputed several times with the bureaus and they continue to report non payments every month and I know its illegal due to they went into the bankruptcy. Opens credit card account in XXXX of XXXX and filed ban XXXX  XXXX in XXXX of XXXX. Dismissed in XXXX of XXXX. They continued to take payment automatically for 5 months. I stopped the auto payment and have been reporting missed payment for every month after. I have consulted an attorney and he recommended this 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 2022-07-24
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: Investigation took more than 30 days

Complaint:
I have submitted dispute to you and I didnt get a response with in 30 days and youll are required by law to do so please investigate my dispute, please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had opened a membership with the merchant XXXX XXXX. I attempted to cancel my membership with them several times, they refused to cancel. They continue to charge my Chase checking account XXXX. I called chase, told them the situation and placed a merchant dispute claim. I also asked them to block the merchant from charging me. Chase requires documentation to be signed to accept the claim. That same day, I notified chase that I had moved addresses, therefore they updated the address on file. When they did that, their system blocks any letter from being able to be sent to me for 30 days. This then blocked the ability for me to receive the letter they needed to be signed. I am now seeing more charges from XXXX XXXX, in addition to my claim being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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:
On or about XX/XX/XXXX/16, a hold appeared on my bank account. I say on or about XX/XX/XXXX because the bank website keeps information only for 24 months, but I know that the hold was placed between XX/XX/XXXX16 and XX/XX/XXXX/16. The hold is for {>= $1,000,000}. I asked Chase Bank to take off the hold, but they stated it was a government hold and I would have to wait. I have waited three years almost and the hold is still there. The balance in the account per Chase is {$2100.00} but the available balance is {>= $1,000,000}. I don't know what to do to get this hold removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

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

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 2015-07-31
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
BAY AREA CREDIT SERVICES VIOLATED MY FCRA RIGHTS. They INACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015 on an old COLLECTION account. Bay Area Credit Services reported to XXXX XXXX as a New Account. This is highly illegal for any company to report as a New Account. This account was generated originally over 5 years ago and was part of a Chapter XXXX Bankruptcy. Not only did they violate FCRA rights they also NEVER advised me of any reporting. Clear VIOLATION OF MY FCRA RIGHTS.

Company response to consumer: Closed with explanation