BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital one starts calling at XXXX when I'm in the middle of my morning routine for my XXXX child and calls repeatedly even if I have talked to them the day before and have given them all the information they ask for. 
They also will call and just hang up repeatedly. 
I have asked them to stop and have been told the phone calls will continue unless I pay the debt. 
I do not have possession of the vehicle the coborrower does and I have no ability to pay the debt and no way to contact the coborrower. 
I have explained this multiple times to Capital one but they continue to harass me with phone calls asking for the same exact information daily at XXXX in the morning. 
This is starting to feel malicious. 
Please help me. 
This particularly overwhelming due to the recent death of my father on XXXX XXXX. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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:
XXXX  XXXX XXXX {$11000.00} Closed XXXX potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$11000.00} {$5000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$11000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX Charge off 30 Days Late 60 Days Late XXXX XXXX BANK {$0.00} Closed XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance $ 624 Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - XXXX - - - - - - - - - - - - On Time 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Incorrect Names XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX APT XXXX XXXX, NJ 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 2022-02-01
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date XX/XX/2020, Location of XXXX store : XXXX, New Jersey . 

On the date mentioned above I was falsely sold on a promotional Bogo deal as a 8 year loyal, military veteran account holding customer. On the purchase of a new XXXX XXXX which was on sale for XXXX and by adding an additional line qualified for the bogo deal, which provide an additional phone free of charge. The sales rep at the XXXX store, told me that in 2 months time I should have a bill reflecting the fee for the one phone and the credit for the promotional deal. The two months came and passed and no update was found, no letter was sent, then month three came along and I had received a letter of collections from a debt collection agency without seeing a bill reflecting my promotional credit paid. I called XXXX over 10 times prior to that and 10 more times trying to acquire a bill and it was in vain, then I went into a XXXX store in XXXX XXXX XXXX  some time in late XXXX, to see if they can handle the situation and it was in vain as well they made promises that where never kept and now its been over a year and they are still in pursuit of theyre wrongful attempt of collecting a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against MERCHANT AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: FIRST NATIONAL BANK OF OMAHA
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 opened a XXXX XXXX  Account and initiated a deposit for XXXX into the account. The next day I received an email saying they did a review and there is suspicious activity and that my account would be in restricted mode. The same day I ask them how I can resolve the issue. They write back that they need to investigate. I repeatedly write to them asking for updates getting stonewalled being told that they don't have a timeline. In that time I have XXXX access to my funds and feel ignored. Its been close to XXXX weeks and have XXXX access to the money and they just keep repeating the same line, that they can't tell when they'll remove the restriction and they did stop answering my emails asking incredibly basic questions like when will this get resolved, or for any updates on the 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 2023-05-23
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 submitted a complaint last XX/XX/2023 and the companies updated my credit report. Some got deleted but there are still fraudulent items reporting. I submitted a complaint again last XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
COMPANY WILL NOT RESPOND AND KEEPS MARKING COMPLAINTS AS DUPLICATES. Using this complaint number for the CFPB Ombudsman when they mark this as duplicate. 

This company : 1 ) Has a platform that made it impossible for me to pay installments.

2 ) Reported negatively on my credit report even though I contacted them about my issues.

3 ) Continues to delete requests through the CFPB with no response.

4 ) Has accused me of not being truthful when messages went into spam.

5 ) Tracks customer emails without customer knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: IA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been working with EXPERIAN since XXXXXXXX XXXX XXXXXXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have sent over my police report, my FTC report, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and EXPERIAN keeps choosing to look the other way and not help me. EXPERIAN opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expedite. I have spent over {$300.00} in the past year of mailing to them the same documents they are requesting. I am tired of going through this process and EXPERIAN wants to keep playing games with victims of identify theft. It should not take me 392 days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED XXXX that still shows on my report. I hope this will be my last and final dispute to CFPB. EXPERIAN is holding me back from living my life, liberty and pursuit of happiness.

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 2022-02-01
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
From XX/XX/2021 to present, I have spoken with this credit card company to close this account. They keep giving me the run around, they keep accumulating fess on a card I have not made and transactions on. The keep giving me different excuses, we can not close because you have a balance or card is locked. 

I think they are doing this to keep adding fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CREDIT MANAGEMENT  XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status XXXX GAS AND ELECTRIC Collection XX/XX/2023 Collection account. {$3100.00} past due as of XX/XX/2023. 
XX/XX/2023 {$3100.00} XX/XX/2023 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$3100.00} {$3100.00} 1 Month Individual Contact Info : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX payment history THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00XXXX XXXX XXXX XXXXXXXX Balance {$300.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I have received a copy of my Equifax credit report and I noticed some late payments posted on my credit reporXXXX XXXX XXXXXXXX XXXX  Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase bank did not follow their own policies and procedures and allowed 3 individuals access to debit our business account fraudulently through their ACH system. Over a period of 8 months, these individuals removed funds from our account in minimal amounts and under false business names that we actively do business with such as " XXXX XXXX '' to remain under our radar. The ACH policy on Chase 's account and applicable to our business account, communicates their is a submission of documentation to validate transactions and approve removal of funds prior to the first transaction. Chase bank failed to take this step and approved over {$55000.00} to be stolen from our business account over an 8 month period and now refuses to fix their mistake and restore the funds to our account. We were never contacted by the fraud department for even one transaction nor was the bank able to provide the documents or evidence that prove they validated documents approving charges to our account. Detailed information such as dates, amounts, communications and bank policies as well as a letter to the bank 's Vice President requested action are attached for review. We met with the bank on numerous occasions to resolve this issue with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance 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 Last reported XXXX XXXX, XXXX {$500.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I told XXXX XXXX XXXX to close my account because they dont credit my account for charge back told me was in more than 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offered them XXXX dollars and they closed my checking witch they stole over the years thousands of dollars and they said it was voluntary i finally told them i am XXXX XXXX XXXX which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX so I am asking XXXX equifax and XXXX the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX XXXX XXXX credit reports and credit files ask XXXX XXXX XXXX XXXX account because they refused to give me any type of credit and make unsecured

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES , LLC has ignored their grave duty to investigate such dispute received by me through the mail on XX/XX/. As the attached pdf below ( VALIDATION OF DEBT XXXX ) is such letter sent requesting everything needed by the FDCPA act in which I got no response since! They had more than five days under 15 U.S. Code 1692g and are avoiding such duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Last XXXX I purchased I steam shower. The company called me based by an inquiry I made about the product. The purchase was made over the phone. The shower came completely broken, the hot water was not mixing with the cold water. I called the company and they send over the broken part. I had it replaced by my plumber and we realized that the shower enclosure could not be sealed. Additionally the tub was leaking. Initially the merchant refused to accept the return of the shower. I complained to the credit card and a temporary credit was issued. After that the merchant agreed to take the shower back. I contacted the credit card company and told them the merchant agreed to take the shower back. The agent from the credit card told me keep all documents because they may ask for them later. 
However soon after the credit card send me a short notice informing me they could not help and charged my card. 
I contacted the merchant and he refuses to refund my charge, in spite of the fact that I have a statement showing the receipt of the shower. They told me the money belongs to them because they won the dispute. 
I reopened the dispute with the credit card and I send all documentation. Two month later I received the same short letter stating they could not help, in spite of the fact that they know the merchant has both my money and the product. Additionally I pay interest for the entire amount.

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