BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Grain Technology, Inc.
State: FL
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:
Upon reviewing my credit reports from all three major credit bureaus, I have noticed that the late payment months do not match, which has resulted in a negative impact on my credit score. 

I believe this discrepancy is erroneous and has led to an inaccurate portrayal of my credit history. I maintain that I have made timely payments to the aforementioned creditor during the period in question. The conflicting information across the credit reports has caused undue hardship in my efforts to secure loans and other financial services. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and remove the inaccurate late payment entry from my credit report. I have attached copies of my credit reports from all three bureaus, highlighting the discrepancies for your reference. 

As per the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving this dispute. I request that you promptly communicate with the creditor in question to verify the correct information and rectify the inaccuracies in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX is a recorded message from Capital One CC. The voice says, Hi this is XXXX ... and goes on and on. They call all hours of the day and night and even though I blocked them and it goes straight to voicemail, I delete them. I have received over 30 calls in about less than a month. I am going through XXXX XXXX, no longer work and have sent them a cease and desist letter but they ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Thats why nobody should have an account with BOA. Bank of america states they will close an account at any time and doesn't have to give a reason to why. I find it hard to believe why there banking policies and rules are a bit weird. I feel that if your going to close an customers account then there has to be some sort of a reason to why you decide to be done with the customer for life. None of staff don't seem to realize that if more complaints and issues keep happening then this bank will never get better and will lose more customers. its not about there wants, its about what the customer wants. And the overdraft fees are ridiculous that's mostly the reason why they deemed me as risk and close my account, because I'm not funding my account to keep it out of the negative because of the fees that keeps accumulated after bringing the account positive. There was no money in the account and the account was just sitting. My account was closed out, I was told in XXXX of XXXX but they told me XXXX, and then XXXX, nobody is really helpful or honest and once they close your account just beware and good luck fighting to getting your money back, if you find any suspicious with using your card or account but later find out your account is closed and not knowing, for no reason, and your money still sits there, Just better hope there honest about sending a check to you. Youll need the money right away but won't have access to it immediately or anything. They will leave you screwed with nothing else to have left and once the damage is done. Theres nothing you can do and it's all they say they can do. They don't give you a chance, they don't care about what concerns there customers and won't help you. They better realize that dealing with a banking industry is serious business especially when it comes to there clients money. Every single person is all about there money and understand what hard work is. At the very end of the day. I work hard for living especially being on fixed income.This business is running into more trouble if they don't change and they don't care but it's happening. It's bad business in the worst way.

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 2023-11-27
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MADE AN UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. I never made these inquiries, moreover the companies refused to get back to me and provide me with evidence of my true self made those inquiries ( fraudulent and unauthorized inquiries ) in my credit report. Please remove them as I do not recognize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I made a lump sum payment amount and started paying the loan weekly. Starting in XXXX, I was unable to make principal only payments until the " payment due '' was paid but was told when I make extra payments that my " payment due '' is still due. This is contradicting. Anyway, once I make the payment in full I am allowed then to make " principal only '' payments. However, I don't believe the payments have been applied correctly. I had to call several times to request my payment be re-allocated to the principal which I'm not sure was ever completed but they are still accepting my " payment due '' When I ask for clarification I am either told the same " law '' with no enforcement of my loan detail with payment or I am told something completely different. Even with email communication or calling. 

Now I submitted a payment ... ... ... ... ... ... ... again ... ..and now it went towards my " payment due '' leaving me with a partial payment due on the XXXX. I went to pay it in the total amount plus the difference in hoping to pay the difference to the principal. Well again I no longer have the option. My option is to either apply the total amount to principal or towards the next payment. 

When I try to split the payment to make the " payment due '' then another to apply to the principal it tells me that the payment is less than total amount due in turn not allowing me to complete the total amount due plus an additional principal only payment. 

In addition to this complaint, every time I've asked for a ledger of payments against principal they tell me they can not produce it but have one time.

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 2023-09-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was scammed and Wells Fargo refused to help. I was scammed by a man of {$480.00}. I was given a check then he requested the money back via XXXX and I sent it like he asked, but before I had sent the money I talked to multiple Wells Fargo employees to make sure everything was fine. I was even on a recorded line when she said as long as the check processed that it was fine to send it through, which it did. This was all said on a recorded line. Then, I am looking at my account a few days later and I am in the negatives. Wells Fargo pulled the {$480.00} out of my account because they guy who sent me the check stopped the payment on the check. After talking to a bunch of other Wells Fargo employees I was told to file my claim and then file two case reports one for sending the money and another for the {$480.00} pulled from my account, which i did as they said and was again told by multiple bankers that everything would be okay and that I would get my money back. Lone behold my claim was closed and they said there was nothing they could do about it. It was a ridiculously long process for everything that the bankers told me to have just been lies. I was given plenty of attitude as well on the all the recorded lines. I am also a college student so they have royally screwed me over when it comes to payments on my college funds.

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 2021-12-29
Company: Affirm Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I opened a dispute with Affirm due to the company I went through for dog training ( XXXX XXXX  XXXX ) filing for bankruptcy, announcing layoff of staff and closing business effective immediately after 2 days of our dog being in there board and train program. In the email we received, they stated the owner would continue to finish the rest of the board and trainings but if we felt uncomfortable we can take our dog out at anytime. Originally when we dropped off our dog we were promised daily pictures and video updates and additionally there were about 10 trainers and our dog was to receive training every hour. After 3 days of receiving no updates, we chose to pull our dog out based off their email because the service we were promised was not being provided- we stopped receiving any updates and we didnt feel that 1 person was going to provide the same level of training as 10 trainers. I opened the dispute with affirm and provided all information pertaining to the events, emails recieved and conversations had and on XX/XX/XXXX they closed the dispute in favor of the merchant claiming that Upon the review of the evidence that you have submitted, we have determined that services would have continued as normal per the emails that were submitted. Due to this we have sided with the merchant. 

I will attach the original evidence I sent to affirm which includes my experience with XXXX XXXX XXXX, the emails they sent to us, and XXXX XXXX on their page from others who are experiencing the same issue of them accepting money then filing for bankruptcy with no offers of a refund. 

After the dispute with closed with affirm, I called and they stated that decision was made based off XXXX XXXX XXXX sending over their contract stating that no refunds are given after training starts. XXXX XXXX XXXX has made it impossible for consumers to get in touch with them and states everything will go through their bankruptcy lawyers but seems to continue to communicate with Affirm as an effort to keep money from clients who didnt receive services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023

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 2021-12-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me XXXX XXXX XXXX XXXX XXXX An caused me to get denied for numerous things which I consider damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of XXXX XXXX XXXX and/or Legal Services contacted me from ( XXXX ) XXXX and left a message to contact them at ( XXXX ) XXXX regarding a serious civil case. They left a case number to reference. 

I returned the call and they told me it was in regards to a lawsuit to be filed against me for a credit card with Citi Bank and they told me the last 4 digits of my social security. 

I until this week I have not had a card with Citi. I called Citi bank to discuss and they had nothing on record associated with my social security. 

I called the Legal Services back and asked the amount due. It was {$1000.00}. I told them I thought it was a scam and the lady said they were not going to pursue the issue. She said if it was a scam, they would be asking me for money. 

I did a search on the internet... .name and phone of that company and it appears they are known to be a scam. 

I have changed my passwords and reached out to the XXXX credit bureaus. I'm not sure what else to do.

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 2023-08-05
Company: The CBE Group, Inc.
State: GA
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 


I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, There are multiple Soft Inquiries that are NOT AUTHORIZED :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Advanced Resolution Services Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am not a customer of Capital One and its affiliates. But I have been receiving unsolicited credit card offerings from Capital One and its affiliates for years which disturbs a lot and I want it to stop. Over 1 month ago, I called Capital One customer service to stop. During that time, the representative promised the marketing will stop. But the Capital One and its affiliates ' offers still come to my mailbox. 

The opt-out service, a robo-phone service provided in the offers is also a sham. I called for XXXX mins but the service can not recognize my address and can not proceed to implement my opt-out. 

Please STOP harrase me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXXXXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX FIXXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days 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 explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: IL
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 have been trying for XX/XX/XXXXmonths to get them to remove these late payments from my credit report that is ILLEGAL. I've quotes the laws and they refuse to do so. I am literally ready for legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called my bank, JP Morgan Chase, asking why my checking and savings account were restricted considering that was all the money I own, all the money to my name. They said it was due to a recent fraudulent check that had returned. I tried to explain I was scammed the XXXX of XXXX. Ive endured hours on the phone with customer service to let them know in advance before the check cleared. I even have a police report to prove it. I asked if I could enroll in a payment plan to pay off the owed debtthe representative said only after the accounts were closed and when the balance was in collections I could do that. They refuse to give my back MY SAVINGS, and combined my money with the aforementioned owed funds on XXXX of my XXXX accounts. Thats bull, I wouldve liked to save my account if I couldve.

Company response to consumer: Closed with explanation