BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: TX
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:
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.

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 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was offered {$450.00} bonus if I maintained {$50000.00} for 90 days. I did so and it was claimed that the 90 day period started 15 days after opening not after I funded it. This was not clearly laid out in the terms. 



Full Terms you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
Heres the full scoop on how to earn your bonus : Open a XXXX XXXX XXXX account between XXXXXXXX XXXX ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, ensure you enter in promotional code XXXX in the XXXX XXXX box. 
Deposit a total of {$20000.00} or more ( Deposit Amount ) of externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). You will earn a bonus once youve maintained the Deposit Amount of {$20000.00} or more for 90 days following the Initial Funding Period. The amount of your bonus will be determined as follows : {$150.00} bonus The money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that Deposit Amount for 90 days. 
{$450.00} bonus The money deposited from an external bank during the Initial Funding Period was {$50000.00} or more, and you maintained that Deposit Amount for 90 days. 
Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above. 
If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. If at any time during the 90 days following the Initial Funding Period your Deposit Amount drops into a lower tier, you will be rewarded that tiers cash bonus. If your Deposit Amount decreases to an amount less than {$20000.00}, you will not qualify for a cash bonus. This account is subject to approval. This offer can not be combined with any other 360 Performance Savings account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Performance Savings account. The amount of your bonus will be reported on IRS form 1099-INT to the IRS ( and your state revenue authority , if required ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/2018 I filed a dispute for a charge from The XXXX XXXX for {$150.00}. On XX/XX/2018, more than three months later past the allowed timeframe to reply to settle a dispute chase sent me a letter stating they were removing the temporary credit of {$150.00} since The XXXX XXXX issued a credit from a completely unrelated transaction for {$100.00}. Previously, I had also called into Chase to inform them the credit from the XXXX XXXX was unrelated to the charge in dispute. This should have been obvious seeing as the credit was for a totally different amount on a date very far apart from the dispute being filed. Thus they not only exceeded the allowed timeframe allowed to settle a dispute, but they also used the credit from an unrelated transaction to deny the dispute outlined in my letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX 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 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

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 2023-06-21
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank continues to call us on different phone numbers. We block XXXX number and a few hours later they call on another. XXXX time they left a message for a XXXX someone whom we do not know. We have no relationship with commenity and our credit score is XXXX!! We have our number on the XXXX list and have reported them repeatedly!! 
Please help! 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: CA
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:
I recently disputed a credit card transaction with a merchant that had overcharged me for a rental car. I contacted the merchant to resolve the issue but at the same time, asked my bank to also investigate. It turns out that when you do this, your bank lets the credit bureaus know that you have a dispute with a merchant currently being looked at but in the process, don't communicate the balance or the payment history to them of your credit card account at that time. As a result, all 3 credit bureaus dropped my credit score by 100+ points! Surely, this is illegal? Why would a dispute with a merchant result in my credit score dropping at all? In one case, the credit bureau dropped my score by XXXX points! I don't believe this is fair. I've worked hard to get my score up and due to what is clearly a flawed process, I have been penalized through no fault of mine. The merchant agreed that they were wrong and the matter has been resolved. However, my credit score has been severely damaged.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: CA
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:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : PAVERITE Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Stuart-Lippman and Associates, Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX this happened on the XXXX of XX/XX/2023 we reported this incident to my insurance I asked for video or proof but never got it. 
It was one of my very first experiences 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We all got out XXXX XXXX XXXX XXXX XXXX XXXX the XXXX said she was ok and her passenger as well. My passenger was OK and so was I. No police report was made because I didn't know I could do that they went on there way and I went on my way. Now fast forward 6 months and she's trying to file a claim towards me for {$7000.00}. Which I think is absurd. This XXXX  has been XXXX in the past and I believe she's trying to report the claim for something that happened within the XXXX XXXX. The debt collectors called me while I was working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: SC
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:
I recently received a copy of my credit report from XXXX  and XXXX  and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX  Acct # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX Acct # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!

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 2021-12-02
Company: CITIBANK, N.A.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a brand new XXXX motorcycle from a XXXX dealership in XXXX, WA, in XXXX of XXXX. The dealership encouraged me to finance the vehicle through their financing company CitiBank. 

I told the dealership I wanted a " same as cash, no prepayment penalty '' financing, with zero interest because I pay off my loans very early. They agreed to carry the {$16000.00} loan until XX/XX/XXXX with no interest and no prepayment penalty. My XXXX XXXX CitiBank loan account number is ending in XXXX. 

I paid off the loan on XX/XX/XXXX more than 4 months early. 

I waited the customary 10 days to receive the title but nothing arrived. I waited another 2 weeks and nothing arrived. I contacted XXXX XXXX Citibank on XX/XX/XXXX and demanded they send the Title without further delay. I chatted online with " XXXX XXXXXXXX XXXX. '' He claimed they " did not have '' my mailing address -- despite financing my loan and receiving all personal information including mailing and residence address during the application process -- not to mention XXXX, XXXX and paycheck information, work and profession info, ... etc. So I gave them the address again that I know they had, or should have had, being the financing entity. 

On XX/XX/XXXX, I chatted with " XXXX XXXXXXXX XXXX '' who claimed the title was " sent back '' to the bank because they did not have my XXXX XXXX XXXX -- but she could not explain why it was sent back if it went to my residence? There is no reason for it to go back! I gave the bank the benefit of the doubt and I waited another 10 days they said it would take, and nothing arrived at my home or XXXX XXXX XXXX. 

On XX/XX/XXXX I got a note from CitiBank and they said I will have to call the toll free number XXXX because they can not resolve the release of the Title -- for no reasons stated. 

I am convinced that CitiBank is intentionally detaining my Title in retaliation for the early payment and because I did not default by failing to pay off the loan, so the bank can make interest payment ( profits ) off my account. There is absolutely no reason to withhold the Title, for what is now Forty-eight ( 48 ) days, if the balance has been paid in full. This is intentional and deliberate harassment, as well as retaliation against customers who pay off loans early, or on time. I am demanding they return the title to me.

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 2023-12-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged {$35.00} for each transaction that put my account into negative. I can not remember dates as Wells Fargo closed my account due to me not paying the overdraft fees. I had asked multiple times to not have my account on over draft.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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  FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$09.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have two documents in hand from the IRS, stating that I have money in my Wells Fargo checking account. Starting XXXX XXXXpresent. Wells Fargo is billing me {$35.00} for each overdraft fee, and/or NSF fees. Staring XX/XX/XXXX, XXXX I have been billed a total of 36 overdraft fees leaving my checking account overdrawn {$1200.00}. On-top of that instead of Wells Fargo crediting my checking account from the last stimulus check being {$1400.00}, they decide to bill me on a case XXXX a total of {$1500.00}. I spoke with Executive Office Case Specialist XXXX XXXX in XXXX, XXXX and we concluded that they credited my account due to past errors, and then my account was perfect. 
Where does overdraft protection play a role in this type of banking error? Why do they even offer it?

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 2022-05-26
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 am issuing this complaint to inform the company of identity theft on my credit report and to act accordingly

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 2022-05-26
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The office of credit management called me and asked me to verify my identity and i sent them a letter to cist and desist. Also I sent them a method of verification letter. I didn't get a response but I still receive phone calls.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: MI
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX  XXXX Balance : {$25000.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation