BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Applied for Capital One Credit online and was approved on XX/XX/2023 for the Platinum card with a balance of {$500.00} at XXXX XXXX interest rate. In XX/XX/2023, I purchased a vehicle that was going to be financed through Capital One also. The first payment for that account was set to be XX/XX/2023. I contracted them on XX/XX/2023 to attempt to have the payment date moved b/c I couldn't log in to pay my car payment and credit card payment. They agreed to move date to end of the month and t he rest of the call was attempting to troubleshoot XXXX computers and XXXX cell phone for logging in. After all the time I have been on the phone with them, I am able to now log into an account, but no accounts are showing on the account. My husbands account is showing my new vehicle, but we are unable to make payments online or set that up. Every time I attempted to have them take a credit card payment, they told me that they are going through an update and that I would have to call back in about XXXX hours to have it processed. The final time was the most upsetting as I just paid my car payment and after being switched over to the Collections Department, they gave me yet again the same answer that they can not process a payment. They said once again that they were going through an update and that they apologized but I would have to try back again later. My car payment has been made I believe 3 times now and without any issues. I am unable to get them to process a credit card payment therefore the account is in bad standing and I have asked for tech support, a manager and more to get this resolved. But nothing. 

Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX sec XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX hr XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX min XXXX secs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX Have all 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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:
This negative item is over 5 years old stopping the consumer from having a fair credit report through consumer law. It has now been passed in Congress through Arbitration that all negative items over two years old has to be removed from the xonsumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: OR
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:
On XX/XX/2021 I requested monthly cell phone service from XXXX. During the eight months I had service with XXXX, the monthly charges were not consistent and too expensive for me. After eight months I terminated service with XXXX. Subsequent to this termination, XXXX claimed I had a yearly contract with them. 
Two bank investigations and two separate collection agency investigations determined that I did not owe XXXX for a yearly contract. 
Experian has included this billing of {$350.00} on my credit report and did not provide me with any information after I filed my dispute.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed information regarding my personal credit report that is reporting inaccurate information. I have sent dispute letters to all three credit bureaus on XX/XX/2022 in regards of the inaccurate information that is currently still being reported on XXXX, XXXX, Experian. The total amount is ( {$410.00} ) which is a collection account as well as other inaccurate accounts. This inaccurate information is hindering me from establishing new credit accounts and other things regarding business. I appreciate you in advance for looking into this matter on behalf of myself!!

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 2023-09-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I paid an electric bill, that was placed in the wrong mailbox, that was not mine. I reported this to my bank ( Wells Fargo ), they replaced the funds and asked me to send verification. I sent them the verification. Then they took the money ( XXXX ) back off my account. They said I sent it jpg and they needed pdf. So, they placed the money back on my account. I sent the verification in pdf, last month, as they asked. Now, on XX/XX/23, theyve taken the money again. Saying it cant be replaced because how it was filed. My question is then why replace it, twice, and when I do send it in. Theres some other reason that they cant replace my funds. I am a XXXXXXXX XXXX on a fixed income. I know thats not a lot of money for most, but for me every XXXX is important. There were two employees I talked to tonight. XXXX from customer service and XXXX from resolution department both were extremely rude and unprofessional and were determined not to give me back my money. Any and all help you can give me will be greatly appreciated. Thanx

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 2023-09-08
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complain is in regard to my previous complaint with DOVENMUEH/XXXX XXXX XXXX XXXXXXXX I was just notified by my credit report that as of XX/XX/2023, XXXX, once again, reported to my credit report : " foreclosure proceedings started. {$7400.00} past due as of XX/XX/2023 ''. As of late XXXX, I began the reapply with loss mitigation for a 6-month deferment. As of XXXX, my application was accepted and currently under review. I have all documentation to prove my case. I contacted XXXX XXXX XXXX  and submitted them documentation of my case and they have suspended foreclosure proceedings, and they assure me that they notify XXXX. I have documentation to prove my case. I called loss mitigation in XXXX and they assure me that all foreclosure proceedings have been suspending due to my application being under review. While being review, XXXX continues to report to my credit history, false reports about the status of my account and reported an XXXX late payment. I have documentation to support my case. If this does not stop or continues false reports that continues to affect my credit report, I will seek legal action. I have attached the email from the foreclosure law firm stating their suspension as well as the letters by XXXX stating that my application had commence in XXXX and being reviewed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Revolut Technologies Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
After signing up for a Revolut account and exchanging money to dollars they will not let me transfer the money to my XXXX XXXX account. This company scam discloser tactics should be prosecuted, as soon as you transfer the money they change the terms of the disclosures. Stay away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For years I have been getting calls from Portfolio Recovery regarding debt I dont have. Im XXXX years old and never had a job, credit/debit card, went to college, hospital without insurance or anything of that sort. I have no debt, but the calls are nonstop. My number is even on the Do not Call registry. Yet still, it happens nearly single day ( sometimes multiple times a day ) from different numbers. I usually ignore, look up, then delete the number but have been keeping them in my call log so I can provide proof. 
In the past week I have been called by : ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 and they are all Portfolio Recovery numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Synchrony Bank has been unable to produce my XXXX Statement for my High Yield Savings Account. The statement was mean to be produced on XX/XX/XXXX. It is not available online. After repeated calls to Synchrony, I was told an IT problem was impacting statements since XX/XX/XXXX. I am in the process of getting a mortgage and my inability to secure my statements in adversely impacting my ability to secure a mortgage. 
Synchrony has refused my request to produce a statement for me ; they refused to provide me with a formal statement about the account errors that I can submit to my lender ; they refused my request to release a public statement about the ongoing errors ; and they refused to provide me with a timeframe for when I would be able to access my XXXX bank statement. This is unacceptable.

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 2023-01-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took out a loan with synchrony financial for a XXXX XXXX. I have consistently paid my loan early since the loans creation, for the payment of XXXX. My payment due date is on the XXXX of every month, and consistently I have made my payment between the XXXX and the end of the month leading up to the month the payment is due. XXXX payment was made on XX/XX/XXXX, and On XXXX the XXXX via the synchrony automated phone system, which is one of two ways to make a payment with out paying a servicing fee, I made a payment of XXXX for the due date of XX/XX/XXXX. The payment was processed and appears on my XXXX XXXX statement the same as every other payment. Synchrony acknowledged on a telephone call today XX/XX/2023 at approximately XXXX that the payment was made applied to my principal and interest, but never applied to my account to show a payment was made. They proceeded to charge me a late fee for an acknowledge payment, and that their research request would take 30 days thus making my account delinquent and reported as such to the credit bureaus. They acknowledged there was no prepayment penalties, and that they processed the payment, but simply did not apply it to my payment due, only as a payment made early, but then charged me a late fee for no reason.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My and my father 's credit reports have become mixed somehow and there are many discrepancies that need to be corrected my father and i share the same name and have had the same addresses, I am currently being charged with Identity fraud tho i never used his information and never attempted credit in his name or social security number many of my inquiries and credit lines are shown to be on his report this information is inaccurate and i am now being criminally charged though i never used his information. 

From XX/XX/2021 to Current the inconsistency are overwhelming as the address i live at and the one he is at are not the same and the reports so that they are and they also list my email and phone numbers as well as my Business on his reports. 

Most of my paperwork pertaining to said information was taken in a search and XXXX thought no real probable cause was established other then hearsay from my father i need this to be resolved with the best efficiency possible to correct the issues and attempt to fight the current charges that are false and do to the reporting agency incorrect information gathering.

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 2023-09-08
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting 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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on ( XXXX ) and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with { Insert COMPANY NAME }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ( XXXX XXXX  ) ( XXXXXXXX XXXX ) ( XXXX XXXX XXXX  ), ( ALLY FINANCIAL ), ( XXXX ) ( XXXX XXXX ) for review or collection Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2023-05-04
Company: EQUIFAX, INC.
State: TX
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, XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : 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 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 2020-07-30
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:
EXPERIAN ; to whom recently tried to throw out my reinvestigation to an existing issue, Your full of XXXX and you'll be held accountable! I'm not going away with no lame excuse like that. Yall have a job to do! Investigate this matter thoroughly, figure out why their are fraudulent items still reporting on my credit report, i've listed them all on my ftc i.d theft affadavit and the extra sheet identifying each fraud item, YOU HAVE TO BLOCK THESE NOW. THEY ARE NOT VERIFIABLE OR VALID OR ANYTHING OF THAT NATURE, ITS IMPOSSIBLE AS THESE WEREN'T CONSENSUAL. DO YOUR JOB, YOUR NOT DEALING WITH A XXXX   HERE. NOW GO AHEAD AND TRY ESCAPING ANOTHER INVESTIGATION WITH YOUR LAME EXCUSES AND SEE WHO'S HANDS I PUT THESE PAPER TRAILS IN. 

I WENT AND GOT A NOTARY FOR PROOF IT IS ME DIRECTING THIS DISPUTE AND INVESTIGATION THAT YALL MUST NOW HANDLE! 

I AM ALSO PREPARING FOR A LENGTHY LITIGATION WITH A MASSIVE PAPER TRAIL INCASE YALL STILL DISHONOR THE LAWS IN INVESTIGATING ALLEGED FRAUD ITEMS. 
FCRA 605B 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 explanation
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm trying to find the source of an ACH transfer made to my checking account from XXXXXXXX XXXX  to Chase bank. Each bank says the other bank has the information and is responsible. I have made three calls to each bank and received no satisfaction. I want to know who has access to my checking account and who gave them that access. It seems to me a simple request and information I should have. Neither bank was cooperative. 

For me, the amount was considerable, over {$1600.00} I don't want to prevent the same source to begin withdrawals from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NY
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 XXXX. 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 explanation