BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: Bread Financial Holdings, Inc.
State: MS
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... COMENITY BANK/XXXX XXXX ... XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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:
After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXXXXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid two capital one credit cards in full ( one nearly {$6000.00} and one nearly {$8000.00} ). I checked my balance the next day expecting to see a 0 balance on both cards. Instead, the very day I paid my bills in full, Capital One charged me over {$100.00} in interest on each card. Im hoping you can help. I dont see how people can ever get out of credit card debt when they pay bills in full and credit card companies like capital one charge more interest/fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 explanation
Consumer complaint received 2019-07-02
Company: Midwest Recovery Systems
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX 2019 a debt collection was placed with both XXXX  & XXXX  for {$3000.00} from Midwest Recovery System, LLC. I contacted them and informed them this is NOT my debt. They refuse to remove it. I filed a complaint with both credit agencies and sent a letter to Midwest to provide me with documentation on this so called debt. To date nothing has been received. 

I have never received any calls or letters about this debt. It just showed up on my credit report at the end of XXXX 2019 out of the blue Negatively affecting my credit score. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: FL
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:
I opened an account with XXXX to manage my invoices and payments/bookkeeping, and their payment processor is WePay ( owned by JPMorgan ) XXXX and everything was approved instantly. This was on XXXX XXXX. On XXXX XXXX, a client paid an invoice in full in the amount of {$1200.00}, and received an email that successful charge had happened. Immediately after they received payment and took out their processing fee, they then send an email that my business is high risk, when it is in fact not in any high risk category as specified by payment processors online, closed my merchant account, and said that my funds will be held for 120 days and then will be re-reviewed. This has negatively affected our business as we had to complete client work without receiving payment and resulting in a loss for our business. I understand that payment processors will sometimes hold funds for risk, but 120 days is excessive. Upon further research and speaking to other business owners ( online and in person ), WePay has a track record of closing new accounts quickly and holding funds, and have even been documented as never paying out the funds after 120 days. This is awful business practice and illegal, and they need to be held accountable for seriously affecting small business operations for many businesses. I appealed account closure and funds withholding twice, and both resulted in no change of status, and little to no useful information as to why this has occured. This bank should be held accountable to disclosure of reasons for their actions. I even appealed the account category that they placed me in because it might have been a clerical error on their side, but as it seems, they do this to hundreds, if not thousands of businesses. I would like for them to release funds to me and for this complaint to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/ I mailed a letter to the creditor and CRAs to opt out of non-affiliated third party reporting and sharing my non public information. I informed the creditor, XXXX Bank that I was never informed of my rights of disclosure and I had the option to opt out when starting a banking relationship with them. I have not received a correspondence yet from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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: Personal information incorrect

Complaint:
I was recentlyreviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my equifax report. I have multiple hard inquries from unknown sources as well. I have a current account with XXXX XXXX i don't owe them I don't know what the two accounts listed on XXXX  are and its not on transunion. I have listed my current bill with XXXX XXXX in the documents. 
Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXX XXXX XXXX ( UNKNOWN ACCOUNT ) Inaccurate addresses XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE 44 HARD INQUIRIES ON MY REPORT SOI WILL LIST THEM IN THE DOCUMENTS ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XXXX i had XXXX hard inquires on my XXXX Credit Report. I have tried to contact all XXXX companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I called Remitly but they are blaming overseas bank ( Ref # XXXX ) XX/XX/2021 I advise customers, please don't use Remitly to transfer money, 1st transaction would be excellent, when you will use it 2nd time, rate will be increased and duration will be extended and you have to wait couple of weeks before your receive the funds. 

even my remittance was not received, I sent money on XX/XX/2021 and today is XX/XX/XXXX XXXX working days still waiting for money to be received, blaming my bank. 

find some other companies to transfer your funds. REMITLEY IS NOT RELIABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX  concerning a XXXX XXXX  XXXX advertised on their website and spoke to a sales agent by the name of XXXX  XXXX in which I informed him I would like to trade in my existing lease ( XXXX XXXX XXXX ) in for a XXXX XXXX  XXXX. During the initial discussion, I inform XXXX  I was already approved with XXXX XXXX with no money down and they would accept the trade in and send me off in the new XXXX  waiving any other fees thanks to promotions sent to me and my wife to continue our relationship with Nissan. XXXX  confirmed all Nissan  promotions offer thru XXXX would also be honored @ XXXX. Currently this would make me and my wife 4th lease, so we are completely aware of how this should go at this point. However, currently I am being billed for the previous XXXX  indicating a balance of {$800.00} after leasing the new XXXX XXXX XXXX. At this point, Im being put in the middle of Nissan Motor acceptance Corporation and XXXX XXXX  each blaming the other. Nissan corporation XXXX XXXX entered the new lease incorrectly not showing it as a trade in or apply any of the promotions discussed. XXXX XXXX says they had no way of knowing the remaining balance on the lease but only received information from Nissan corporation that 2 months were remaining. I even put {$1000.00} down to which Nissan Corporation states not seeing the check sent to them concerning the car. Please assist with waiving the remaining balance as I have a new lease and shouldnt have accrued any penalties due to the trade in due to special promotions via mail ( which also still is coming to me as well XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In early XXXX I called Capital One to discuss an upgrade from Venture to Venture X. I also asked about getting a new Venture X account and was told I was not eligible- that turned out not to be true. The disclosures read to me did not indicate I could not go back to Venture. That same day, I found out I could apply for a new account, and did so and was approved for Venture X. I immediately called capital one and asked how to go back to my old card. I was told I would have to wait for the new card to come and I would get instructions there. No such instructions came with the new card. I did not and have never activated the new card. Around XX/XX/XXXX I received a letter from capital one asking me to call if I didnt want to incur the {$390.00} annual fee. I called XX/XX/XXXX and was told I can not go back to my old card the only option was a card I do not want or a card I already have. This information given in XXXX was not only inaccurate but misleading. I am under the impression Capital one changed its terms since I applied for the Venture X or hadnt developed the terms yet but I should not be subject to their mistake! This is a classic bait and switch

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: COMMERCE BANK
State: AR
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:
I FILL OUT ONLINE APPLICATION FOR A CHARITY CARD WITH COMMERCE BANK OF XXXX XXXX AND WAS SUPPOSED TO PULL XXXX, BUT INSTEAD PLULLED XXXX FOR A DIFFERENT CARD FROM COMMERCE BANK OF XXXX AND WAS DENIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to a Misc Deposits account, despite I have never had an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

After opening 4 disputes with JCPenney XXXX Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). 

XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and JCPenney XXXX Synchrony Bank via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report. 

To resolve this matter, I am requesting XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance.

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 2023-06-25
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX account # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: OK
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: NC
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi my name is XXXX XXXX and I recently had my credit card balance decreased without my consent. The decrease has severely impacted my credit. Because the credit card company decided to decrease my credit limit to the actual usage I had on my cards and maxed out my credit limit. This is unfair to the consumer and has ruined my credit score. I have always been responsible with my credit accounts and was never late. I only recently was late once on one of my accounts and that was due to me being hospitalized. It was completely out of my control. I am requesting a goodwill review of my accounts with Citi. One of my accounts I have been a customer since XXXX and have never had any issues. The most recent Ive been a customer since XXXX. Please reconsider restoring my credit limits back to where they were this is impacting me financially in a major way. Citi decrease my credit limits on all 3 of my credit cards without pre-warning me and when I called the bank to resolve the issue. They only restored my original credit limit to one of my cards and left the reduced limit on the other two. This is really impacting my credit score causing undue hardship. The accounts that were impacted are ending with XXXX and XXXX. Citi I am asking for a goodwill consideration to restore my credit card limits back to where they were on these two accounts.

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 2023-03-21
Company: EQUIFAX, INC.
State: MA
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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