BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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 originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to Beneficial. Beneficial closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to Beneficial was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked XXXX XXXX to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NY
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.

The letters are stated with items and issues.

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 2022-09-06
Company: Halsted Financial Services, LLC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HALSTED CLAIMS I HAVE AN ALLEGED DEBT.

HALSTED HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS HALSTED HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C HALSTED IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. 
PURSUANT TO 15 USC 1692D HALSTED IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. 
PURSUANT TO 15 USC 1692J HALSTED EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING XXXX XXXX XXXX & XXXX XXXXXXXX XXXX  THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: DISCOVER BANK
State: NC
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:
On XX/XX/XXXX, I discovered that Discover was reporting a negative credit card account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that Discover has breached there agreement with me and violated there terms and conditions by reporting my non public personal information to third parties, namely XXXX, XXXX and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. And Discover is also still currently reporting transaction history which is illegal. I wish to Opt out pursuant to 15 USC 6802-6805. Discover was obligated to send me a opt out request every 30 days and failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Much like the majority of complainant 's filing their concerns against Charles Schwab bank ; via XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Trade Commission, XXXX, Securities and Exchange Commission and The Office of the Comptroller of the Currency, Charles Schwab has not only frozen my cash, but they refuse to send my money back to me. Charles Schwab defrauds its customers, just like the front page of the XXXX XXXX XXXX  warns. Government action continues to be taken against Charles Schwab, due to their constant deception towards the very customers they supposedly service. My account number is XXXX. For anyone at the XXXX, you can verify the account with the routing number, and you'll see the funds there for yourself. Charles Schwab will be sure to remove any fees they have added to my account without my knowledge. The fraudulent organization known as Charles Schwab locked me out of the online access portal, so they can continue to charge me fees and retain MY cash fraudulently. Also, Schwab is embezzleing funds in my account issued by the government for veterans XXXX benefits. It is illegal for Schwab to not only embezzle money from consumers, but defraud the federal government and embezzle funds intended for XXXX veterans. I served in XXXX after XX/XX/2001 and this is how I am repaid as a XXXX veteran. Schwab is an economic XXXX and needs to discontinue embezzling the life savings of its customers. 

Incoming routing # XXXX Outgoing routing # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In early XXXX I called American Express ( AMEX ) to discuss card options. The representative told me I was " preapproved for a Gold and Platinum card, we ( AMEX ) can have it to you in two days. '' I stressed the importance of such an upgrade since I grew up relatively poor and that card would have emotional significance to me. The representative then spent the next two hours details the benefits of both cards, stressing, really stressing, even pressing my to accept on the phone, that I was PREAPPROVED. Not considered, but that the card was " already mine, '' I " just had to say yes. '' I considered it and applied later that night. I was denied. With a hard credit check on my report. I have called AMEX 6 times since this incident because : 1. I was proud of the achievement in fixing my credit and so told many people I was getting a Gold card. Now I look like a XXXX 2. AMEX said they would review the call. They determined that they made no mistake, but would not send me a transcript of the call now let me review it. I have had to threaten legal action and they still say they " made no error. '' I can assure you that they did, as I spent two hours on the phone with someone who lied to me so they could make their quotas.

3. Two separate managers told me that what happened was unacceptable, and that I would be emailed and the problem would be solved. AMEX has completely avoided me, hoping I will go away. I will not. 
4.I told the representative on XX/XX/XXXX I would pursuing this further. They still would not send me the call Look, AMEX really played me. Multiple people have lied to me. My solution was ok, I'll pay for the Gold card ( I didn't even want anything free ) since that was what was promised. 

Now I have spent 20+ hours on this issue. I am beyond angry and AMEX negatively affected my credit score, made me look like an XXXX, and wasted my time. 
This issue has taken more than a month. AMEX has made 0 contact with me. They have admitted guilt but done nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been having an on going issue with this collection company " XXXX XXXX ''. THIS DOES NOT BELONG TO ME I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I ASKED THIS COMPANY TO PROVIDE ME WITH A " DEBT OF VALIDATION LETTER '' AND THEY WERE NOT ABLE TO SEND ME ANYTHING BECAUSE THEY COULD NOT PROVE THAT I DID BUSINESS WITH THEM. THEY CAN NOT PROVIDE ME WITH ANY DOCUMENTATION WITH MY WET SIGANTURE AGREEING TO ANYTHING WITH THEM. FOR THESE REASONS ALONE THIS MUST BE REMOVED ASAP! THIS IS ILLEGAL AND YOU ALL ARE VIOLATING MY RIGHTS AS A CONSUMER PER 15 USC 1681B.

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 2019-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Please see the attach Letter. 

Tuesday, XX/XX/, 2019 Dear Consumer Protection Financial Bureau : My complaint is against Capital One - Walmart Credit Card. 
On Sunday, XXXX XXXX2019 I used my Walmart Credit Card to have cash back and to purchase two items. 
I checked out at the Walmart self service register with a grocery purchase of XXXX dollars and XXXX cents and a Cash Back Request of XXXX dollars. 
My card was Declined so I tried a XXXX Cash Back Request and a grocery purchase of XXXX dollars and XXXX cents. My card was declined again. 
I called Walmart Card Customer Service at XXXX XXXX and the representative told me that the cash back limit on my Walmart Credit Card is XXXX dollars cash back. 
The representative also told me that my Walmart Credit Card is now charged XXXX dollars and XXXX cents. I explained to the representative that I have not received merchandise or cash back. 
I also explained to the representative that the items were snatched from my hands by the attending clerk and security personnel was called and posted. I asked for a supervisor. The supervisor reported and spoke to the representative and told him that my card was declined and I did not receive cash back.

I left Walmart and went home and called Walmart Credit Card Customer Services. A  representative stated that he was a supervisor and that the charges would drop off. 
The charges have posted to my account and I am now being charged for the cash back and the grocery purchase. I called the Walmart Credit Card Customer Service at XXXX and the representative told me that the problem is with the Walmart Store. 
My credit score is now impacted and I have a balance due that is way over my Walmart Credit card limit. I am humiliated, frustrated and without the benefit of cash back and groceries that I needed. Thus, I am asking for the help of the Consumer Protection Financial Bureau to resolve my dispute with my Walmart Credit Card through Capital One. 
I wish for Walmart Credit Card through Capital One to understand that my credit card only has a limit of XXXX dollars for cash back thus it is impossible to be charged over this amount for cash back!! 
I wish to have the erroneous charges deleted from my account along with the updated information sent to the three credit bureaus and then be able to close my Walmart Credit Card account so that I will not have to suffer the pain and embarrassment associated with using Walmart Credit. 

Thank You in advance for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This a complaint against Capital One Quicksilver Credit Card, case number XXXX. Capital One bank is playing pranks regarding this dispute. This dispute has been ongoing since XX/XX/2022. After the initial complaint, capital requested in an online latter dated XX/XX/2022, that I provide a signed letter of my complaint and other documents to support my claim ( see attached document XXXX ). I replied to Capital the next day XX/XX/2022, faxing the signed letter and the documents received. Capital One on XX/XX/2022, responded acknowledging that they received the letter but that the document I submitted were invalid ( see attached document XXXX ). That was when I reported this issue to CFPB, and Capital One then responded by actioning the claim and refunded the money on XX/XX/2022. However, on XX/XX/2022, Capital one wrote to me stating that they are recharging me the amount for the claim and then asked me to send then the same signed letter and supporting documents ( word by word - see attached document XXXX ) they had requested on XX/XX/2022, that I sent to them on XX/XX/2022, which they replied on XX/XX/2022, that those documents were invalid. This has been the behavior of Capital One Bank, continue to show incompetence and unprofessionalism on every count. Obviously, this shows they are on the side of this merchant that collected money for services not provided and refuse to honor the refund in a purchase that was insured. I stand by my right for the partial refund of the amount of {$480.00} of the total {$3500.00} that paid. I have provided all the document that Capital One asked me to provide and it is in their possession. However, they turned around saying they can not assist with the claim based on what the merchant told them. It is a shame, that a credit card company that is supposed to protect its customer the consumer will turn their back on the customer to side with the merchant over a dispute that is clearly presented. This total irresponsibility and unaccountability of the credit card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. General credit was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX  and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. General credit was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.

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 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-03
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At this XXXX XXXX XXXX retail store where this account was created not XXXX single employee held the particular salesman accountable. I called within XXXX days ( trial period ) to either inquire about why my bill was no where near the XXXX $ I was told the total would be with the plan and XXXX device payments or I would cancel. I was informed by customer service rep that since I purchased in store I had to call the exact store to return. Store refused to let me return stating they only will take the devices within a XXXX day period ( not true according to website and rep on phone ) and even tho we were brand new customers it didnt matter to them for any kind of trial on the service period. It was even within XXXX  days that I tried to cancel. I still stopped service within that XXXX days but direct location store wouldnt take devices due to their own reasoning that made no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a victim of identity theft. These accounts were opened fraudulently.

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 2020-12-13
Company: Experian Information Solutions Inc.
State: PA
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 believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.

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 2023-03-01
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts to clarify the erroneous reporting within my credit report. 

please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$290.00}

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 2022-09-06
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: Account information incorrect

Complaint:
Unfortunately, I'm still having difficulty with a Bankruptcy that is listed by XXXX. I thought this information was all settled, but then my most recent report from XXXX has the Bankruptcy reinserted ( See attached ). This is causing Equifax to refuse to remove the information. I need this corrected ASAP. It has been since XX/XX/XXXX I have disputed this information and told repeatedly that it was removed only to get a subsequent copy of my XXXX report with the Bankruptcy showing. 

If that's not enough, the report lists a Bankruptcy filed in XXXX by a " Spouse, '' which I've never had. This information is a grave error and the continual reporting of same is injurious.

Company response to consumer: Closed with explanation