BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: Commonwealth Financial Systems, 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:
On XX/XX/XXXX, I was notified that a new account had been opened in my name. I immediately disputed the item with XXXX. On XX/XX/XXXX, the investigation was complete. According to XXXX, the item was accurate and updated. On XX/XX/XXXX, I contacted the creditor. The rep 's name is XXXX XXXX. According to XXXX XXXX, the account could not be verified by the account number reported on my credit report. He tried to verify the account using my name but was not successful. Mr. XXXX did ask for my social security number. I did not provide that information over the phone. I requested a second investigation on XX/XX/XXXX, with XXXX. As of XX/XX/XXXX, XXXX  is documenting this item as accurate and it remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Looks like somebody got in my city bank app and they logged in with him on the mission yesterday doing things they shouldnt and they deposited this check which is XXXX without my consent under my name so when Im receiving calls and says Im like what is going on I called Citibank a couple times but they wasnt picking up because looks like my car was already blocked and I was receiving the day after so I called and they said we cant do nothing about it because your account is being processed to close so you cant file a investigation, so I went to the branch I told him whats going on and I was doing but they still didnt listen so when my car was being close, I got paid XXXX and something and youre still have my money even to this day, were still talking they said it was gon na take the money which is a XXXX and something because they thought that was part of the money but I contacted Customer Service because the manager when I went to the bank she said to contact Customer Service if the check hasnt arrived yet my check hasnt arrived yet, so I went to the Citibank today and I called police like no ones picking up because they cant find my account because my account its already close. I put my Social Security in nobodies doing nothing about it I just somebody things gon na give me my money back. So when I tried to do everything in my power to not to get blocked and you still blocked my account and delete him account so I want to file a complaint because theyre not giving her money back I have ever seen your messages saying were gon na send you the shack nothing

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 2021-03-18
Company: Harley Davidson Financial Services Inc
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My payment is due on the XXXX of each month, I have explained to them that my husband is sick, and they start calling me on the XXXX in the morning at XXXX and then every 30 minutes after that until XXXX, and this goes on for days. they continue to call until I pick up the phone. They should not be allowed to call this may times in one day.. That is over 8 times a day.. this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts, or my addresses nor have I authorized any of these companies to run my 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 2023-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information in relation to my credit reporting inquiries that is incorrect. i provided an identity theft affidavit along with a police report to the company as I did not consent to the inquiries that are on my account. I asked the company to immediately remove the following accounts and they have failed to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Reached out to Edfinancial for a refund of student loans about 40 days ago ( sometime in XXXX ). It is difficult to pinpoint exact dates because they have not sent any confirmations of any kind. When I talked to them at the time, they said I was supposed to receive a confirmation email which I never got and they gave me no specific timeline on when I when I am to receive the refund or by what method. They couldn't even tell me the amount I am to receive back. I called them again today XX/XX/2022 to check on the status and it took getting to a higher tier customer service representative for them to even see my account. They still gave to timeline to when I am to receive my refund or any other information about it other than it is still processing. I am not even able to create an account on their website until I receive the refund apparently which makes it impossible for me to check on the status or know anything. I have no receipts or anything to show that I will receive anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX USA , I made a {$130.00} purchase with XXXX  using my Debit card. The product I purchased turned out to be a scammer, and the man claimed he didn't receive the money. He sent me a text telling me to ask my bank for a refund. XXXX refused to refund the money, and after several calls I had to call Capital One. 

On the same day XX/XX/XXXX I called Capital One to cancel and refund the money scammed from me, and they filed a dispute. 

On XX/XX/XXXX I received an email from Capital One asking for evidence of the scam and of the person telling me to ask my bank for a refund. The evidence was emailed, and documentation is included in the documents On XX/XX/XXXX at XXXX XXXX XXXX, I received an email claiming my dispute was denied on the basis of being a " valid transaction ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}.

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 2023-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My accounts are with Chase. 
XXXX dollars I asked the teller to pull out in cash and she agreed and used the money machine counter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The teller promised me since I had to go that the money would be returned immediately into my account. But it was not! I went back to ca to local branch at home and they set me up with a fraud person who lied about receiving the messages to start an investigation. The date of when this happened was XXXX XXXX that the XXXX was stollen. This happened in show low Arizona chase branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal notified me that my account was limited permanently for violating their user agreement. There was no specification on my account and when I spoke to customer service they said there was no specification as to what went wrong in the report and they could not find out why. Customer service also told me that I have a legal right to know why and to take legal action. They permanently banned my account and could not specify why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Simon's Agency, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account with the credit bureaus and SIMONS AGENCY INC, and I have never received a single letter from them. This is a violation of the FDCPA and FCRA. I HAVE RIGHTS. I do not know who they are or why they are on my credit and they are required BY LAW to send me written notification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Went to Chase Bank to deposit XXXX USD from my parents since she knew I wanted to save up for shoes whilst also still having remaining money in my checking, and on the street there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me quickly if I banked with chase, and ushered me inside of the building where the ATMS were. There, he told me that his account was overdrafted and he desperately needed money, and handed me roughly XXXX USD, which I was still confused about since he was talking so fast. I didn't want to do anything quickly because he was significantly larger than I was, and I didn't know if he was going to harm me since he was beginning to be more impatient and started pacing around since there was a line at the singular ATM working at the time. When we were up in line, he told me to put my debit card in and the PIN and he grabbed a check from his pocket, and at this point, he hasn't told me how much he actually needed until I saw XXXX pop up, in which point I was starting to actually panic, and to my surprise, the check went through on the ATM, and he tried to initially withdraw XXXX USD from the ATM after depositing his check, to which I asked him why, and he said it was a mistake. He then told me to pull up my phone email since the ATM declined the transaction, and when I did, he reached down and confirmed that the transaction was legit, and I got freaked out from that. After that, he withdrew his XXXX from the ATM and quickly took the money and sprinted out, after that, I just deposited my money, including the extra XXXX dollars he had given me prior. A day later, the check bounced when I expected the ATM fraud detection to catch it when it went through at the atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My ID card and social security card also my XXXXXXXX XXXX was stolen from my car and had been miss used to open XXXX XXXX account and other things such as unclaimed money and property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: LFG Data Services Holdings, LP
State: LA
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:
THIS agency is not reporting accurate information. According to [ 15 USC 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 individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX., XXXX,, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize   XXXX   XXXX   to run my credit score on  XXXX   XXXX   2017  ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.

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