BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am notifying you of issues with the information on my credit report. I am wondering as to how are the Bureaus allowed to report these information? With a little research I found out that I have some rights in place. The law gives me the right to dispute my credit information directly with the Bureaus. Now be aware that I have already dealt with the the Bureaus and there was no investigation made and it has been more that 30 days. Nonetheless, I now wish to exercise my rights to dispute this information directly with you so you can help me with this problem Please verify the That all balances and amounts are reporting correctly. 
That all dates are reporting correctly and that any prior pay history you are reporting is correct. Please remove this account from my credit report immediately. It has caused quite bit of damage. I want to point out that you are legally liable for any inaccurate and unverifiable information as decided in XXXX vs. XXXX XXXX. This case set a legal precedent that a person can sue the Bureaus for reporting inaccurate and unverifiable information on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX  of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with XXXX, EXPERIAN, and XXXX. I wish to have this deleted complete per request and law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$930.00} Dispute Reason : What is the method of verification show how it was verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, a check from XXXX XXXX  XXXX XXXX XXXX, XXXX WY, XXXX, was cut to all 3 account owners payable to all three owners at the close of this account with XXXX XXXX, in the amount of {$62000.00}. On XX/XX/2022, Chase Bank, XXXX XXXX XXXX XXXX, XXXX WY, XXXX deposited said check without a single endorsement, just stamped " Credited to account of within named payee for deposit only ''. The account that the money was deposited only belongs to one of the payees. All Payees ' were to endorse this check for deposit. 
Once learning of this deposit, I first called XXXX XXXX  and asked for an explanation. They provided me with a copy of the cleared check and explained that I would need to contact Chase Bank for resolution. I then called Chase Bank in XXXX WY and spoke with the Branch Manager. She said this check should of never been deposited without all three signatures and offered her apologies. I have followed up with her on several occasions and all I get is that this is out of her hands and that their home office is handling the resolution of this, however, there has not been any resolution. 

On XX/XX/2022 XXXX asked me to come into the branch and sign an affidavit for improper endorsement, which was then sent to Chase Bank. XXXX received and email from Chase Bank notifying of receipt of the affidavit. 
On XX/XX/2022 I received a call from the complaint installation group for Chase, He said there was nothing he could do to help and he would transfer me to the Fraud Complaint Department. I then spoke with that department, he too said he could not help me because I am not on the account in question. I agreed and said in there lies the problem. He stated to me that the only way to resolve this was for the Chase customer who made the deposit to contact him. 
I then spoke with the Wyoming XXXX XXXX for XXXX. He assured me there isn't anything that XXXX can do to resolve this issue. He stated we filed the affidavit as to protocol, and it is up to Chase to fix this because Chase was the bank of deposit which makes them liable for not having proper signage or endorsement. 
I have also opened a case with the XXXX Police Department, but they suggested we try work with the bank first to get resolution, which isn't going anywhere. 
On XXXX XXXX, XXXX  I called Chase Bank Headquarters in New York, Explained the situation and she advised that if the Branch Manager isn't doing everything to resolve the issue then I should proceed with a complaint with Consumer Financial Protection Bureau. 
The only resolution to this is to have the check re-issued and all endorsements made prior to deposit. Then, said check should then be mailed to myself and the other owner, not the owner and his guardian who has already knowingly deposited funds without proper signage. 
***All names, contact info, address available if you need them, I did not add all this info as per the instructions above***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2021-06-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 at about XXXX my access to my online account was suspended. After sitting on hold for an hour and being transferred around to their various departments, I was told the only way to unlock my account was to physically visit a branch with 2 forms of identification. This isn't plausible given my distance from Chase branches.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citizens Bank acquired my XXXX savings, checking, and overdraft accounts earlier this year. I began trying to close those accounts in XXXX. This required several phone calls, a branch visit, then several more phone calls. It appears my accounts are finally closed, but Citizens continues to send me statements for the savings account, which required yet another phone call to them today. They advised me to ignore the statements. I won't go into the details of my branch visit and the at least five phone calls required to get them to close my accounts, but I think they should be investigated, because their incompetence is truly astonishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: DISCOVER BANK
State: MS
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-05-15
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 was a victim of identity theft, I have made two complaints in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.

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 2021-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XXXX XXXX I received a letter from Capital One through CFPB Complaints Portal in which Capital One Customer Advocacy Office stated that I am not eligible for a credit increase.

It has been over two years since I have been applying for a credit increase and we now on XX/XX/XXXX and still no credit increase. 
Have utilize XXXX and I am always decline because of XX/XX/XXXX.

My XX/XX/XXXXis around {$57000.00} and my income never reduces as a Lifetime income with 3 % COLA increase every year on XX/XX/XXXX and is XX/XX/XXXX. 
Capital One has a copy of my award letter of XX/XX/XXXX income that was settle in State and Federal Court in California in XXXX alongside with my XX/XX/XXXX. 
{$750.00} credit limit is not enough to make purchases in California as California Cost of Living is very expensive. 
Also I am going through a VA Loan process on home purchase in Texas and I respectfully requesting for my credit limit increase as my credit usage on my Capital One Master Card ending # XXXX is over 30 % if I get a higher credit limit over {$750.00} my VA Loan for a home purchase with be Approved. 

I am respectfully requesting that Capital One will approve and increase my credit limit over {$750.00} and accomondate me on my XXXX XXXX Civil Rights Act under Department of Justice. 
I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Complane about paypal accnt is permanently limit .and i would likt to remove this my limitation thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: VA
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:
Dear Equifax, XXXX, XXXX I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX PERSONAL INFORMATION LETTER Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Affirm Holdings, Inc
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The complaint is against Affirm. I ordered a riding tractor mower XX/XX/23 from a company called XXXX and paid for it with a credit card. I received and email the next day telling me to reorder, that they has accidently deleted my order. I reordered on XX/XX/23 and now I'm getting directed to XXXX. They wanted it to go through Affirm. The delivery was to be in 5  days. I called Affirm at the end of XXXX to cancel the loan as I had not received the mower and ordered the same mower through my local XXXX store. I got my mower from XXXX on XXXX and picked it up. I called Affirm again as a payment was coming due on the mower I never got. I was told that the payments really wouldn't start until I had received an invoice from XXXX. The Affirm person told me I could make a payment then. I bluntly told them NO. I do not pay for things I have not received and especially that amount. I called every week for months with Affirm telling me I was behind on payments. I repeatedly told them I am not making a payment to anyone for a purchase not received.I was finally told that Affirm would launch an investigation and it would take a couple of months. In the mean time, Affirm turned it over to a collection agency. I spoke with them multiple times a week, again telling them I am not paying for something I have not received to turn around an fight with them to get my money back. I receive an email from Affirm XX/XX/23 saying my account had been credited, however, it's on my credit report affecting it by XXXX points. I want this off my credit report immediately. I think Affirm is a fraudulent as well as XXXX and XXXX and I would NEVER do business again with any of them. I have an email from Afform on my phone but I done know how to take a screen shot of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Silverman Theologou, LLP
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debtor has been sending legal forms and as a form of protection, I secured a lawyer. Payments were arranged but the debtor sent a motion to garnish my wages adding more charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: DISCOVER BANK
State: PA
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:
Contacted Discover using the messaging feature in the mobile app because I was unable to add my credit card to XXXX XXXX. I would confirm the card number, expiration date, and security code. That would process successfully and I would land on the XXXX XXXX XXXX  page, agree to the Terms, and be bounced back to the main screen with my name and card number. The issued message I received said to contact the Card Issuer because my request was being denied. Discover was offering a promotion of 5 % cash back for purchases made with a digital wallet of up to {$75.00} back from XXXX to XXXX of XXXX and is currently offering the same promotion for XXXX to XXXX of XXXX. 

XX/XX/XXXX : Dates of contact are unavailable because the mobile app only shows the month and year for a date stamp. I tried scanning the card in XXXX, manually typing the numbers, and adding through the Discover app. Responses were days apart from a representative. Received queue acknowledgment messages for 3 days before an agent was connected. Upon responding to the agent saying I could not connect my card, I was sent back to the automated message system. I received an automated prompt to add my card to XXXX XXXX through the Discover app, which did not work. I then received 8 messages over the course of a few days acknowledging my place in the queue. I was connected to an agent at an inconvenient time when I was not available and did not have my issue resolved. 

XX/XX/XXXX : Contacted Discover via messaging once again. I was told I needed to call Discover to speak with technical support. 

XX/XX/XXXX : Called Discover support at XXXX XXXX and was connected to a technical support agent. The agent told me that Discover could not see my requests to add the card to the XXXX. The agent then told me the issue was because I had multiple cards ( sequence ) on my account with the same card number and told me I had to cancel two. I refused, as I use all issued cards. The agent then put me on hold to connect with others regarding this issue. After about 20 minutes, the agent returned and told me that again the problem was having more than one active card on my account and suggested canceling. I explained that I did not want to do that, and said there must be other customers with multiple cards that are having the same issue as me. After being placed on hold again for 10 minutes, the agent returned to tell me that they were opening a ticket and to email a screenshot of the message I am receiving in the XXXX XXXX. 

This poor customer service from XXXX XXXX and poor reasoning inhibiting participation in rewards ( having multiple cards means I can not use a digital wallet ) is interfering with using my credit card for the purposes it was advertised for ( rewards card ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There is a open account listed by Bridgecrest Acceptance Corporation on my credit report reporting to XXXX, XXXX, and XXXX with different addresses for their contact information on each report. This has made it very difficult for me to contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-29
Company: CAVALRY INVESTMENTS, LLC
State: GA
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:
I am submitting this complaint to CAVALRY PORTFOLIO SERV due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation