BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Error, inaccurate information. Im not an authorized user, and neither do I have a Capital One account, my name is inaccurate my name is not XXXX XXXX, or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX Is For What You Are Disputing ), 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 explanation
Consumer complaint received 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America filed a dispute without requesting information verbally and allowed nearly {$7000.00} to be taken from my account without being retrieved during and after attempts to dispute the claim. And then close my account because Bank of America pulled my credit multiple times Which I also filed a complaint at the branch begging for this dispute to be resolved. They told me I needed to work it out with the merchant who obviously is located in Hawaii and did not respond to emails phone calls and or postal mail. The executive office then called me to perhaps settle and I told them to send me a letter in writing which they never did.

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 monetary relief
Consumer complaint received 2018-08-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2015 it was reported that someone opened up an XXXX/XXXX XXXX  Account and charged up to {$3300.00} under my name without my knowledge. Because of this my credit score continues to fall. The company has sent me various letters claiming that they ought to be paid for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received a later to collect a debt that I know nothing about. Called the debt collector and they said it was a credit card through The XXXX XXXX  on XX/XX/2020. I have no idea what they are talking about nor have I ever seen any kinda bill for this. I have no cards like this and never have. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: KS
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2019-09-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Last year ofXX/XX/XXXX Midland Funding put a hold on my bank accounts ( 2 ) we came to an agreement that if i got on a payment plan with them they would release my bank accounts. i paid {$620.00} first 2 months and after that the agreement was {$150.00} every month. it is now XX/XX/XXXX and my bank funds have not been released and i have been making my monthly payments with them. ive tried calling and they give me the run around. they did not keep their word and i am still unable to use my bank accounts. while they are still getting their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2022-09-28
Company: EQUIFAX, INC.
State: SC
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:
whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied in good faith for three different business credit cards that American Express required a personal guarantee on which were denied. 

15 USC 1602 ( l ) states what the term credit card means and how it is used to obtain money, property, labor or services on credit.

15 USC 1602 ( p ) states what is an unauthorized use of a credit card in which the cardholder or consumer receives no benefit in which I did not receive a benefit.

15 USC 1691 ( a ) ( 3 ) states it is unlawful for any creditor to discriminate against the applicant when the applicant has in good faith exercised any right under this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap XXXX experian XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ok XXXX XXXX there was a bunch of {$5000.00} charges on my Wells Fargo account that was unauthorized. The total came out to {$59000.00} from XXXX that they charged me. I called my bank and filed a fraud claim because the transactions were not authorized by me. Wells Fargo denied my claim because they said that I have done business with XXXX and I have to deal with them directly and they gave me this number XXXX which when I called is the XXXX XXXX XXXX XXXX, not XXXX. Wells Fargo pretty much said I had to deal with the merchant directly and gave me a number that doesnt belong to them. When I contact XXXX, they told me to contact my bank and file a claim and my bank would be able to help me, but that doesnt seem to be the case. Please help me get my money back.

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 2023-11-24
Company: MAS FINANCIAL SERVICES, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Ive been trying to make my since XXXX on the MAS website I CALLED XXXX XXXX a PREPAID CARD WHOM IVE BEEN PAYING THROUGH SINCE IVE HAD THE CAR IN XXXX  NOW ALL OF A SUDDEN XXXX XXXX SAID MAS FINANCIAL BUT A BLOCK TO NOT ACCEPT PREPAID CARD IM ASKING SINCE WHEN BECAUSE MY PAYMENT HISTORY IS XXXX XXXX  SOME IN MY NAME & OTHERS S. IN. MY HUSBANDS NAME, I FEEL LIKE THEY ARE TRYING TO TAKE THE CAR & MAKING ME PAY DOUBLE INSURANCE IVE HAD INSURANCE SINCE IVE HAD THE CAR MAS FINANCIAL REPORTED ME TO DMV, DMV MADE ME SHOW PROOF OF INSURANCE OR THEY WERE GOING TO SUSPEND MY REGISTRATION AND TAGS FOR NO INSURANCE & TILL THIS VERY DAY THEY ARE TRYING TO MAKE ME PAY FOR THIER INSURANCE WHEN I ALREADY GOT INSURANCE ON MY CAR. XXXX I JUST PAID THAT AS WELL TODAY. BUT FOR SOME REASON I CANT MAKE MY CAR PAYMENT. They are stressing me out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid 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:
Citibank solicited me by paper and e-mail for a low interest rate of XXXX percent on my existing credit card, in XX/XX/2018. I responded to citi.com/XXXX, to accept, it did not go through. I then called and spoke to a citibank representative, and she stated that I was enrolled in the program that ends XX/XX/2018. I made a purchase of XXXX on XX/XX/2018. My credit card statement does not show this special low interest rate for this purchase. I called citibank on XX/XX/2018 and the representative I spoke with refused to honor the low interest rate, saying they had no record of me enrolling in the program, eventhough they have a record of me calling on XX/XX/2018. 
This is a scam. This is a bait and switch. Citibank refuses to honor THEIR solicitation. I enrolled on time. They are in error.

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 2023-11-02
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is HELVEY & ASSOCIATES INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HELVEY & ASSOCIATES INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HELVEY & ASSOCIATES INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HELVEY & ASSOCIATES INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HELVEY & ASSOCIATES INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. HELVEY & ASSOCIATES INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NY
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:
Unfortunately i was hit by XXXX, i wanted to ask for my only one late payment this hit my account. I was never late and there was XXXX unauthorized inquiry i did not do. please delete the late report on the account and the inquiry i did not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-01-24
Company: Experian Information Solutions 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:
I sent a dispute to EXPERIAN, XXXX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i EXPERIAN, XXXX & XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.

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 2023-03-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX  I made a call to Wells Fargo Mortgage regarding my loan # XXXX being paid off. They were already aware that the house was being sold as the escrow officer requested a payoff statement few weeks prior. When I called on XX/XX/XXXX to stop the payment on my XXXX payment for {$6600.00} ( it was set up to be withdrawan from my Wells Fargo checking account ), the person who helped me with the phone told me that she could stop the payment, and told me to call back in a few days to get the " fee '' ( {$25.00} I think ) to be reimbursed. And I was told that I would be receiving in the check amount of approx {$18000.00} from my escrow balance. 

Meanwhile, when I made an inquiry again on the phone on around XX/XX/XXXX, I was told that Wells Fargo took {$6600.00} as my XXXX mortgage payment from the escrow balance so I only would be receiving around {$11000.00}. I explained that it was not what I was informed previously, and they should not take XXXX mortgage payment when loan was paid off on XX/XX/XXXX. She then told me that they would be reviewing and I would be receiving the communication later. 

Then I suddenly received the check from Wells Fargo in the amount of {$11000.00} ( attached ). It is NOT the amount I am entitled to received from my escrow balance. As XXXX statement shows ( attached ), I had {$18000.00} as of end of XX/XX/2023. When loan was paid off on XX/XX/XXXXXXXX, I should be receiving the full amount. Instead, Wells Fargo took {$6600.00} out of my escrow balance.

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 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
on or about XX/XX/XXXX I called TransUnion regarding unauthorized inquires on my credit report. I believed I've been victimized and Im humbling asking that the problem be rectified. 
I had a concern about Inquiries on my TransUnion report. TransUnion did not follow proper procedure as laid out in the Fair Credit Reporting Act when reinserting those inquires. Under the Constitution the  inquires in question must be removed from my TransUnion report.

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