BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found several unauthorized inquiries. I did not give written authorization or verbal consent to any of these inquiries and would like them deleted immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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

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 2019-08-05
Company: Dyck-O'Neal, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report on XX/XX/2019, I seen an account that I don't recognize so I called the company Dyck Oneal Inc and gave them my first and last name. The agent on the phone told me she don't see any accounts with my name. I began to explain to her that Dyck O'Neal is showing up on my credit report. I demand that this company remove any and all accounts reporting to the credit bureaus ( i.e XXXX, XXXX, XXXX ). This company is in volition of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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 been advised by IRS that identity theft had occurred using my social and personal information.

I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above.

Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pls Remove Inquiries 15 U.S. Code 1602 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX Inquiries Made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , as well as all inquiries listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: NY
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:
I have attached accounts that are reporting inaccurate information to my credit bureaus and per the FCRA all information reported to my 3 credit bureaus should be accurate or deleted. I have attached all of th accounts reporting inaccurately with the highlighted inaccuracies.

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 2020-04-03
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A Cash App account was opened using my name, address and other identifying information. On XX/XX/2020 there were three ( 3 ) separate payments from my XXXX XXXX XXXX XXXX XXXX, to this fraudulent Cash App account in the amounts of {$19.00}, {$19.00}, and {$9.00} ( totaling {$49.00} ). I called my bank to flag these transactions as fraudulent. On XX/XX/2020 a Visa debit card for the Cash App account was shipped to my address. I have attempted to contact Cash App, and its ' affiliates, Square and XXXX XXXX, to inquire how I can close this account or flag it. None of these companies provide contact information to speak with a representative. The only way to contact is via your Cash App account ( which I do not have, one was opened fraudulently ) or via Social Media ( highly questionable ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX has contacted me 23 times this week from a total of 8 different phone numbers, all of which I have proceeded to block. The have masked their caller ID, and lied when I called back to ask who it was. 

This not just harrasment and dishonest collection practices - it is in direct violation of the Colorado Attorney Generals direction to pause all debt collection efforts. 

I have told then to cease contact a total of 12 times over the past 8 months, stating that I will only talk directly to the original creditor, Bank of America, who returned the on-time payment I made for this account, froze my online payment portal, reported late payment to the credit bureau, and has refused to contact me in writing. 

I have said it so many times : I will re-issue this payment once Bank of America 1 ) Acknowledges their mistake, 2 ) submits a correction to the credit bureau, and 3 ) reinstates my online payment portal so I am physically able to pay this debt. 

I have never received any paper bills from Bank of America, so I have not been given any other way to pay this. 

If XXXX XXXX XXXX continues to harass me, I will file a police report and start involving attorneys.

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 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a capital one card and was approved about 6 months ago. I was given a {$500.00} limit which I have been responsibly maintaining I was recently given a {$100.00} increase about 2 weeks ago. I was at the grocery store trying to buy groceries and it said my card was not authorized when I get home I call Capital One and they said my account was closed without a reason as to why. I just need a explanation as to why my account that was in good standing, just got a credit increase but now all of a sudden its closed. I need to know why they closed it, and they should be able to explain that to me. I even have some cash rewards money that I have lost from this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX Account XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  Account XXXX sent ftc violatons taking more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
The Truist Visa card has only been opened a very short time. In this time though there has been many problems regarding the flow of charges on the card. There are often several charges for the same charge even after cleared the same charge doesn't clear in the pending and status remains on the info I see online. This is also a problem experienced several times when shopping where the cashier returns my card and said it was declined although it should not be. Every week there are double or triple purchases and refunds pending on the card and it doesn't consistently stay accurate to the spending and refunds only for how this card is being used. This is troubling and needs attention.

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 2023-04-10
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 have been advised by IRS that identity theft had occurred using my social and personal information. 
I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 
Please remove XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Remove Inquiries 15 U.S. Code 1602 - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Business Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as well as all inquiries listed

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 2023-04-21
Company: EQUIFAX, INC.
State: MD
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 agencies have repeatedly ignored my Identity theft report that I have sent several times to them. They have repeatedly ignored my requests to delete any addresses or names in which my Identity Theft report identifies. I have provided my drivers license and my a copy of my bank statement for my address. They have been reporting information that did not have my permission. There are companies that are reporting as late payments which are illegal according to 15 USC 1637. There are companies that are reporting which I have sent validation letters too which I have not receive back an answer to who is the Creditor ( in which I am the original creditor as the money was pulled from my account and I am forced to repay with interest ) The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

If this dispute is not handled in a manner in which I am satisfied I will file for every violation which is at a cost of {$1000.00} per each violation Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Home Depot credit card through Citi bank offers a {$25.00} discount on your first purchase. I purchased an item on XX/XX/XXXX for {$37.00}. I now have my XX/XX/XXXX statement with a balance of {$37.00} and minimum due of {$28.00} on XX/XX/XXXX. I should only owe {$12.00}, but they want me to pay {$28.00} and wait for them to process that, then ask for the money back they owe me - or, I can pay what I actually owe and have a derogatory mark on my credit report. 

I spoke with them last week ( Saturday XX/XX/28 ), the person I spoke with said he was processing my credit and that, while it wouldn't show up in my statement for a long time ( one to two credit cycles ), it would be reflected in my online balance in a matter of days. today is XXXX and it hadn't shown up so I called again. I spoke to a clerk, then a manager. both saying the credit would not show up for a cycle or two, and that I need to pay them money I don't owe. 

I told the manager that every other credit card company I have ever dealt with, which are many, can apply changes to an account and they show up within days - if not instantly. if they have put my credit in, why are they unable to reflect it on my account?! 

I should not have to send them money that is not owed to them and wait the same amount of cycles for them to send it back 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 explanation
Consumer complaint received 2020-04-03
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I filed a complaint with the CFPB regarding this collection company trying to collect on an already discharged Bankruptcy debt recently. They responded with an answer of which I will paste right here : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, XXXX. In light of the information provided in this complaint, we have closed our file and returned the account to our client for further review and processing. As such, you will not receive any further communication from our office pertaining to this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX As you can see, they had promised to have this deleted from all of the credit bureau agencies, but instead, not only did they not remove it, but it was added to my XXXX  and XXXX credit reports after this response/answer was given to me stating otherwise. So it was removed from XXXX  and added to the other two bureaus after the answer was given in regards to this matter. I even called and spoke to a gentleman over at DRS 's main phone number and told him what happened. He stated that he would have it removed immediately as well-that was over two weeks ago. Since then, this damaging entry still remains on my credit and I am fed up and done with trying to reason with this Company. The next step will be legal action. Who's to say that I haven't already spoken to an Attorney about this mess? I am finished playing games with this collection company. I feel like they have been lying and being very deceitful about this whole situation-From trying to collect on a discharged bankruptcy debt right up until now where they promised to remove this damaging credit report entry but instead ADDED IT to the other credit bureaus ' database after they had promised that it would be removed from all of them. 

I am not happy about any of this and I can assure you that if this doesn't get taken care of IMMEDIATELY, I won't hesitate to take this to the very next step that is legally available to me as a consumer. My credit is ruined because of these guys, I have suffered from many credit application denials because of this damaging credit report entry, and I have suffered beyond explanation both mentally and emotionally because of the stress that this has created for me over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a chase banking account ending in XXXX, at the time of opening, no one advised that they will be charging a monthly account fee of {$12.00} if the daily account balance is below {$1500.00}. JP Morgan Chase bank has been STEALING my hard earned money even though I have payroll direct deposit set up and the requisite account balance is maintained and they REFUSE to refund my money that they have STOLEN without my consent. I want this agency to investigate this and take immediate action against these FRAUDS at JP Morgan Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-03
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This might be the wrong platform for this report but ... on XX/XX/2020 discovered unauthorized purchases on two of my credit cards. Resolved issue with my XXXX Master card. Card cancelled and {$900.00} removed. However, my Barclays VISA card was a different story. At time of discovery about {$1500.00} was charged to XXXX, a XXXX XXXX  website. Contacted the customer phone number on VISA card and automated message stated all personal are not there due to virus and directed me to website. However, no provisions for reporting fraud. Have sent 5 secure messages advising them of problems but no response to date. Since then card balance up to $ 4500.00+. Have sent numerous messages to XXXX  via the contact point on website about the fraud. No response or action. Each day I receive e-mails from their e-mail address advising me that a lady has a message i.e. pictures or videos. And I reply to that msg advising them the card number was stolen and to stop using it. Right now I am awaiting replacement card from XXXX MC, don't want to use my VISA. Help.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed 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 with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Augusta Collection Agency, 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: Old information reappears or never goes away

Complaint:
I contacted the company numerous times in 2021 about this charge on my account. I was quoted a different price for a pay off. The manager then started cursing and yelling after I was upset about being told misinformation. They keep reporting my information but I also had insurance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2023 I entered into a loan agreement with Credit Acceptance financing for XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. One week of having the car the battery went bad causing the key fob to malfunction. At first they didnt want to do anything about it but they gave me a battery. One week later the cars gas needle stops working and the car is having hard shifts as if the transmission is slipping. As I take a closer look at the car I can clearly see its been wrecked on the passenger back side.

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