BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a cash app a account and I use it from time to time on Friday ( yesterday ) I cashapped my mom money for rent. My fianc called me and asked why I send her the payment multiple times It was XXXX to my mom XXXX XXXX ( we have a joint account ) I told him I didnt I looked in my cash app account and it only had one transaction. I then look at my banking mobile app and saw someone is using my debit card on there cash app and sending money from my bank account to theres. I immediately called the bank reported my debit card lost/stolen. I then contacted cash app via there support team on XXXX and demanded a refund. They allowed someone to upload a card to there cash app that didnt belong to them. They basically said they couldnt help me and to contact my bank. This is fraud I dont know the people who the money went to and I want a refund and my card to be removed from there cash app although I already closed the card I also filed a police report. The total amount taken was XXXX I have no idea who XXXX XXXX is or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got into an accident that totaled my car. I have never been late with any of Capital One 's Auto Finance Payments. I paid approximately {$600.00} every month as a car note and was never late. This was my second car note with them and on the first ( where I paid approximately {$500.00} ) I was never late. The account balance after car insurance paid their portion was {$4600.00} and I requested a settlement amount, in which Capital One Auto Finance accepted. I then had to pay {$1800.00} in installments of {$50.00}, which Capital One agreed to automatically draft from my account until XX/XX/XXXX. In XXXX of XXXX, my credit score went down approximately 113 points because my settlement agreement said that I had a charge off, over 3 months late in payment ( I am at a 100 % rate of never being late with any payments ), and in a derogatory status. How can this be if they automatically deduct {$50.00} every month ( the payment arrangement )? I called Capital One Auto Finance Credit Department and they told me it was nothing that they could do about it because although I'm making payments, I am still considered late. I was not told this information in the beginning of the agreement, nor was it written in the contract given to me. If that was the case, I would have paid it off in full a long time ago or from the beginning. I am a homeowner and if I was able to pay down on a loan, rather than dishing out $ XXXX to save money, then I would. I immediately paid off the loan the same day, but my credit has not been the same since. I went from like a XXXX down to a XXXX credit score. This has taken me over 20 years to get to that score and this is unfair. There is nowhere in this written agreement nor the two times that I spoke to representatives on the phone that I had to pay all by XXXX or XXXX of XXXX. I wouldn't let my good credit score down the drain for 7 years over {$1800.00}. 

Please note- The first 2 pages of the attachment is the ONLY written correspondence I received from Capital One Auto Finance XXXX There is nowhere in this document that states anything considered " late or reported to Credit companies as a a 'charge-off or negative ' after a certain period ''. I was deceived. The last page is me settling the account on the same day I seen my credit score drop. I need a serious resolution to this problem. I was deceived, bamboozled, and hoodwinked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a renewed dispute from XX/XX/ for a charge on XXXX  for {$800.00} from XXXX XXXX XXXX original complaint # XXXX. I made an agreement with XXXX XXXX XXXX company for {$1700.00} on XX/XX/ for house rep. {$800.00} was supposed to be used to replace the rotting siding on the chimney. He didnt replace the rotting chimney siding nor did he present a copy of his order for the wood. He cleaned the rotting siding by sanding and repainting it and putting it back on the house which was not the agreement. I used my Chase card ending in XXXX to pay for the work. Per XXXX rules : Im guaranteed and protected from fraud as well as have XXXX liability for products I bought but didnt receive. You dont pay for what you dont get. I paid {$800.00} for siding that XXXX XXXX XXXX didnt buy. I disputed the charge because not only did I not get what I paid for but I had to pay another company to buy and replace the wood siding. I presented the paper work and pictures to show that. Chase wanted a second opinion which was highly unusual and a pretext to avoid refunding the claim.in these. The courts only required proof of purchase and repairs. I am not responsible for the XXXX transaction for siding that I paid for but did not receive. I want my money back. Attempts made by Chase and me to contact the owner by phone were ineffective. The new XXXX  rules were not in place when I filed the original complaint and Chase never refunded my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Was not notified of investigation status or results

Complaint:
There are false accounts included in my credit reported and i have been writing to the bureau for the past two months.

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 2021-04-15
Company: BRite Financial Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I payed the account off in XXXX of 2020 and the balance hasnt reported paid and hasnt changed since XXXX of 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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 am sending this complaint because I still believe there are some errors on my credit. I would like CREDIT BUREAUS to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please evaluate the following items : XXXX XXXX XXXX XXXX**** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: MD
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-02-09
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items are in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have a XXXX XXXX XXXX  no issues whatever besides the excessive oil burning. I get regular oil changes, have taken it to plenty of place wheres they dont find an issue or say its normal for XXXX XXXX be fine just always check my oil levels or saying I didnt need oil. My car has been known to stall while driving if I do forget to check the oil before driving which is very dangerous. This has been going on for a while and nobody finds anything wrong. The last time my car stalled it didnt move again it was towed to be looked at and it was found that the motor was blown. The repair man told me he could not find that kind of motor and even if it did the amount Id pay would not be worth it for the car. I called XXXX they said I did not have a warranty because I was over XXXX miles and they also didnt have a engine and even said they dont make the engine anymore and refer me to two other places ONE place did have a used engine it was {$3100.00} and told me it would take 15 hours to repair which would cost me about XXXX. I did finance this car so now im stuck paying for a car rendered useless because I dont have that kind of money and Id I did it would just make sense to get a new car because r could still end up having engine issues after repairs. I know their is a class action against XXXX and XXXX for this exact reason so I just wanted to reach out to somebody.

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 2023-02-13
Company: EQUIFAX, INC.
State: CO
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 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-09-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Credit Card Company, XXXX XXXXXXXX, has removed debt off of credit report due to being expired according Statue of limitations law in Illinois. Midland Credit Management has unlawfully used tactics to contact me and threaten me to pay a debt that has expired through the original creditor. Company has violated the statue of limitations, violated the fair credit reporting act, and violated Fair debt collections practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: LA
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
At XXXX est. Resurgent debt call my phone that was answered by my fiance and with her verifying only my date of birth was able to be told I owed a debt to XXXX for XXXX from XXXX. After I met up and got my phone I was handed over to the lady on the phone which proceeded to tell me that I owed this debt when I call her out for sharing my information he denied all information. I asked to talk to a manager and was told that there was not one. I asked to have a manager to call me. The response was would you like to take care of the debt. My response was I want a manager you gave out information that has nothing to do with my other have. Then there was long silence. This debt was taking care of back in XXXX or XXXX. I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation