BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
CapitalOne approved me for a pre-approved MasterCard credit card in approximately XX/XX/XXXX. 
They then billed me for an Unauthorized purchase in XX/XX/XXXX. They then began an investigation according to the applicable federal rules. The matter was resolved in my favor and the purchase was removed by the company. In fact CapitalOne eventually removed the unautorized charges from my account. However, CapitalOne insists on charging me monthly late fees for the time that they were investigating the the dispute. I don't believe that they are allowed to do that. Please direct them to remove the charges and amend my Credit Report. 

Respectively Submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has incorrect personal information that is not pertaining to me on my file and is inaccuracy. The Following names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Also the following inquiries were done fraudulently without authorization and consent! 
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 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 2023-04-19
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint against RESURGENT CAPITAL SERVICES who is affiliated with LVNV FUNDING LLC for violations of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the collection agency however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.

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 2022-04-05
Company: EQUIFAX, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this account was ever disputed. that is a violation and this account need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted copies of the XXXX  policy contract to CCS Collections. I no longer own the vehicle. It was in the shop for months and was not being operated. It was eventually repossessed and charged off. 

Legally, I am not obligated to maintain insurance on an inoperable vehicle or a vehicle I no longer own. Per XXXX 's contract, the insurance policy will automatically become null and void once ownership transfers. I also contacted XXXX to cancel my policy. 

I need CCS Collections deleted from ALL of my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: TX
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 disputed several items on my credit report, letting this company know that the accounts do not belong to me. the disputes resolution always come back so fast and just says the info has been updated. I have also requested to know how this company has went about to verify these accounts belong to me after the previous complaint resolution, where they stated that they verified all the unknown inquiries that i had on my report for vehicles and loans. i still have not got a response. Now i need to use my credit to purchase a few things and Im afraid i will get denied because my credit score has dropped at XXXX points since the beginning of this year. It also is not updating my credit balances from my actual accounts correctly and stating i have late payments when i do not and stating that i have delinquent, derogotory, and collection accounts accounts and i do not. The accounts ( XXXX XXXX ), ( XXXX XXXX ) and the inquiries from the previous complaint need to be removed. my actual credit accounts need to be verified to be made accurate and false late payments need to be removed. This situation is severely affecting my life and preventing me from things that i need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My mother had a discovercard account beginning approximately early XXXX and defaulted in early XXXX. During that time, i was issued a card as an authorized user in XX/XX/XXXX just a few months away from the default date. When I was issued a card in late XXXX the account was almost maxed out to the credit limit. 

Once the account was defaulted, DiscoverCard begun this bogus claim that the account was a joint account. DiscoverCard forwarded the default account to their collection agency/attorney firm in XXXX NC and they filed suit against me and my mother for the entire amount that was in default even though it was known and obvious i could of not been responsible for the charges by date and when I became an authorized user. I could not attend the court proceeding so a judgement was entered against me. 

Also, during this time, since approx XXXX during the default period, DiscoverCard has constantly reported to the credit bureaus for several years derogatory information such as this was a joint account, and that i owed this money. Clearly untrue. Clearly invalid. Clearly deceptive. 

I have been damaged all these years by DiscoverCards malicious and deceptive behavior. And I deserver compensation for these damages.

For years i have requested including the credit bureaus, signed agreements, signed contracts, signed application for credit, and to date DiscoverCArd will not, because they can not, provide such documents because i was an authorized user only ; But, Discovercard was deceptive in pursuing me for this outstanding debt, and they are liable for all the damages caused from such deceptive behavior.

I demand a response to this complaint and compensation from DiscoverCard or I am hiring lawyers to sue DiscoverCard for this deceptive behavior that has gone on for years, causing me years of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I disputed charges on my account and was given a temporary credit. After finding half the disputes in my favor, they found 3 in favor of this company. I gave requested a re investigation and no one would ever call me or email me so I could give my evidence as a rebuttal. The bank said they found in their favor cause they had my information. Umm thats easy I did business with this company 5 years ago. That company lied and said they spoke with my on XX/XX/XXXX and I authorized charges. I did not.. I have a voice message in my blocked messages from XX/XX/XXXX the company wanting to speak with my about my account. I blocked them because I didnt have an account. They also admitted on a recorded call they never spoke to me. The bank wont allow me to give this info. This company fraudulently sent in falsified items to the bank. I even upload proof and USAA refuses to call me. They had someone with the CEO office call me and he did nothing but talk over me and not allow me to speak. I was told someone from the fraud department would call me within 10 days from XX/XX/XXXX. That never happened. This was not investigated at all. This company called my Moms phone the other day which means they are pulling from my credit report. So thats another way they could have gotten my info. USAA will not let me speak to the fraud department at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/2023 my wallet and cell phone was stolen from my car. I reported the theft to the authorities and they issued a report which is all they said they could do about it. Whoever stole my wallet started to use my debit cards at various locations around the city to the tune of nearly {$300.00}. I contacted Chime ( XXXX XXXX XXXX ) to inform them of the fraudulent transactions and go through their process of disputing these charges. They told me that the process takes between 60 and 90 days to complete but that I was eligible for a temporary credit for the amount stolen until they completed their investigation. They told me that I had to wait 2 weeks before they would give me that credit. They never gave me the credit. Upon checking the app on my phone I saw that the disputes were denied. I then contacted them again to find out what was going on because they denied it in less than 10 days, an agent informed me that I could request a re investigation. Doing this would make the time start over for receiving the temporary credit. I really needed my money. I reached back out to them a total of three times in the month of XXXX. All they would tell me was that after their investigation my disputes were denied and they would send me an email detailing why in 10 days, I was told that twice. I provided them with a copy of the police report and they still denied it. I dont think its fair that I had to be penalized for being a victim of theft. I have yet to receive any emails detailing why I was denied receiving my money back in my account. I am XXXX and unable to work so I really need help with getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT ACCOUNTS UNDER MY NAME. THE FOLLOWING FRAUDULENT ACCOUNTS ARE XXXX XXXXXXXX - ACCOUNT NO : XXXX .... AND XXXX XXXX XXXX - ACCOUNT NO : XXXX .... THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT EXPERIAN, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK FRAUDULENT ACCOUNTS BASED ON MY FTC IDENTITY THEFT REPORT THAT I WILL ATTACHED WITH THIS COMPLAINT.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
attached is the CERTIFIED MAIL FROM USPS XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : 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 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 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  These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX - Letters sent to all XXXX bureaus. Follow up calls XXXX & XX/XX/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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT. 
Two cars were purchased in my name, same used car dealership, same day. I finally received the application from Capital One Auto Finance today after years of request. The application was incomplete, not dated and reflects INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED. The work phone and home phone numbers and email address are not mine. The contract also includes a phone number that is not mine. Salary is listed as {$25000.00} which is a lie. The Capital One Auto Finance application and contract are attached as EXHIBIT A The attached EXHIBIT B is the application and contract for the other car purchased in my name, same day, same used car dealership.. The application is dated XX/XX/2017 and the contract is dated XXXX/XXXX/2017. Salary is listed as {$300000.00} which is a lie. This claim was dropped because of permissible purpose and obvious wrongdoing. 
Capital One Auto Finances application should have never been processed because it is incomplete. Capital One Auto Finance did not have permissible purpose to access my credit per FCRA and the wrongdoing is obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We paid off our car loan from Capital XXXX and they claim to have sent out our car title via the mail at the end of XXXX. We waited XXXX weeks and contacted them as we had yet to receive our title. They assured me they would send out a lien since the title had not arrived. We waited XXXX more weeks. We called back and they claimed we had not called them about the title not arriving. They once again assured us they would send us a lien for the car and overnight it to us via XXXX. They printed the label a week ago and have not sent it out. It's been XXXX months and we have not received our car title or a lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX my granddaughter went in to XXXX XXXX XXXXXXXX XXXX to test drive a car. We told them that we were preapproved by XXXX  and did not need their credit. Without our permission they ran my credit through 4 companies and now my credit report shows 4 hard inquiries for something that I already had approval for. 
When I contacted them they said sorry the financial guy must have made a mistake and not to worry all 4 would show as one for an auto loan. That is not the truth. 
I tried to contact experian and they said I can't dispute this online. I asked the XXXX sales manager and dealer for a letter asking them to remove these inquiries from my records but they have never responded to me. 
My credit report shows poor now and I need this fixed. i have attached the letter that shows my prequalification from XXXX on XX/XX/XXXX and also a list from my credit report that shows the 4 inquiries they ran on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress