BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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'm XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$39000.00} XXXX  XXXX Balance Owed : XXXX XXXX  XXXX Balance XXXX : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$3800.00}

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 2020-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have numerous times ask Equifax for Verification and Validation of this information, ive also ask the company mentioned for the same. Ive sent Reports to Equifax telling them that my Identity theft and asked for removal of said account from XXXX XXXX XXXX XXXX. FCRA Section 605 ( b ) ( Equiafax response and Reports that i sent are attached ) I've also sent information referrals on this company to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted a complaint last XX/XX/XXXX, XX/XX/2023 and XX/XX/XXXX and they were all closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB closed my complaint because it has already processed your earlier complaints about this problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX around XXXX I had reviewed a call from my bank stating that they saw suspicious transaction made in XXXX Arizona and they wanted to confirm that if that wasn't me and I told them it wasn't. They confirmed my address and wanted to confirm my card number and I did input my information falling for their scam call. At the end they told me that I would only be able to make purchases within the city I live for my safety. However, at the time they called, I was on my way to pick my boyfriend from work and once I had picked him up I received a message from my account stating my checking was below XXXX XXXX I login to my Chase Mobile app to see what it was about and it showed that I allegedly made multiple withdraws from an ATM machine, as well as a purchase from XXXX and a smoke shop nearby the same location from the ATM withdraws. I quickly called my bank and they were able to refund me the purchase for the smoke shop and XXXX. They also told me the location of which ATMs they withdraw the money and that they linked their XXXX XXXX to make those withdraws. The ATM machine the scammers used was for a local chase in my city. As time went on I have been waiting for the rest of my money and have called weekly for updates. Until yesterday, ( XX/XX/2023 ) I called in for another update and the information I received was that the claim I inputed had now been closed because the withdraws that had been made didn't show any errors based from my account, or the pin. And I believe it was because of their link from my bank account to their XXXX XXXX. So the information that was clearly given on that call on XX/XX/2023 was that they would not refund me my money because the bank believed that I made those transactions, which I clearly did not because I was on my way to picking up my boyfriend from work. I've also made a police report on the XXXX of XXXX to see if they could help me by the time by the officers told to to reach out once again if the bank refuses to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-06
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received mail telling me about a credit card that I did not open. The card was issued by genesisfs card services in XXXX, 2023. 
I called but could not get to speak to a person. 
Looking at my credit report I see that the card is listed. I have not signed up for this card. I have never received this card. I do not want this card. 
I want this card abolished and removed from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX - I payed my {$95.00} CAPITAL ONE MEMBER FEE XX/XX/XXXX - My account was suspended due to fraud detection XX/XX/XXXX - I submitted all the necessary information. 
XX/XX/XXXX - I was called saying my information could not be validated and to be resubmitted. 
XX/XX/XXXX - I resubmitted all the documents. 
XX/XX/XXXX - Without any notice or call for which I was told I would be - Capital One Closed my account. 
XX/XX/XXXX - I noticed my account was closed and called and was not told what could not be validated as well as what I violated. I was told my member fee would not be reimbursed for a card they allowed me to have for less than a month. As well as any miles that I had EARNED on the account. This is ridiculous as they basically can not tell me why they closed my account and are refusing to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: WI
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 refinaced my vehicle in XX/XX/XXXX. XXXX was on communication with my bank in advance and the check was mailed to them XX/XX/XXXX and cashed XX/XX/XXXX paying off the entire balance. XXXX reported to the credit bureaus that i failed to pay my car note in XXXX and XXXX and also that the loan was paid off in XX/XX/XXXX all of which is inaccurate. I submitted a dispute and nothing was changed.it is impossible for my payments to be 30 days past due when the account was paid in full on XX/XX/XXXX, the note was due XX/XX/XXXX and last payment in full was 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 explanation
Consumer complaint received 2023-04-27
Company: McKenzie Management LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello All I have called Apple Cash multiple times in order to un-restrict my apple cash account, and they keep on telling me that " they can't verified my identity " when ask why, or how I can resolve the issue they just said sorry sir and hung up on me.

Apple cash need to get this issue resolve. I am worry that my identity, I need to make sure how and why, they are un able to verify my information and how I can resolve it What apple is doing is criminal

Company response to consumer: Untimely response
Consumer complaint received 2023-08-16
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I got an alert on my phone on some transactions on my debit card I call right away and told them that I didn't authorize them to put a stop they said they couldn't I would have to dispute wish I did and they got deny. The only thing they put on the letter was there were digital evidence. So I call them to ask them that I wanted prove evidence that they had that I did the transactions she didn't know what to tell me. She said I need documentation to prove I didn't do the transactions I told her there from a different state I live in California. The transactions are XXXX XX/XX/25 total money {$490.00}. The stuff they bought its for men testosterone pills. The bank is money network

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 2023-11-18
Company: EQUIFAX, 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Westlake Services, LLC
State: NV
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:
BACK IN 2017 SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM WESTLAKE FINANCIAL SVC. AS OF RIGHT NOW THIS ACCOUNT IS CLOSED AND IT HAS BEEN PAID SATISFACTORILY BUT SINCE THIS IS A FRAUDULENT ACCOUNT AND IT WAS NEVER MY ACCOUNT I WANT THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED THE WESTLAKE FINANCIAL SERVICES NUMEROUS TIMES, I HAVE EMAILED THEM NUMEROUS TIMES, I HAVE SENT THEM MY IDENTITY THEFT REPORT AND NOTHING HAS BEEN DONE. I HAVE NOT RECEIVED ONE EMAIL RESPONSE FROM THEM. I AM KINDLY ASKING TO HAVE THAT FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THANK YOU

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 2019-07-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Called Wells Fargo ( WF ) in XXXX to do a rollover of my XXXX into XXXX XXXX as I have a new employer. Received check a few weeks later, and sent into XXXX. No issues. 

Logged back into my WF account mid XXXX, and realized there will still funds in my XXXX after I had done a full rollover. Called WF, spoke to a helpful person who explained : 1. I had gotten a dividend, and would still be receiving another company match first thing in XXXX, and that I needed to wait, and call in after the first week of XXXX where I would then do a final rollover request and get one more check for XXXX, before XXXX out the account. I asked if there would be tax implications, and was told here would not be. I set a calendar reminder to call WF on XX/XX/XXXX. 

I received a check on or about 7/8 for the reminder of my XXXX less taxes ( {$190.00} ) in a form of a check made out to me individually. I immediately called WF and was told there was nothing they could do about it, it was policy to send a check to the individual if it was less than a certain amount. I explained what I was told by the representative in XXXX. They said they would investigate my complaint and call me back within few weeks. MY complaint was that I had been explicitly told to do something, and before I was able to do it on the date I was told to do it on, XXXX took out {$190.00} in taxes which I should not have to pay because I intend to roll this money into a XXXX. 

Received a call back on XX/XX/XXXX from WF rep. He stated he listed to my recorded call and the woman did tell me to call back and request a rollover, but my money was immediately sent out instead of being held in the account so I could ask for the rollover. I asked how I could get the {$190.00} refunded and the check reissued to XXXX for the rollover. Was told there is nothing they can do about it. Also suggested to open an IRA to get around tax penalty. Asked if WF would pay for IRA opening and account fees, as I do not have and IRA, I have a XXXX only. They said they could not. 

I was told I have to write to the plan administrator, who would not be able to help me as they sent a disclosure which said any funds left in the account will be sent to individual and not done in a rollover. I explained that is not what happened, I was told to do this by the representative after receiving those disclosures. I was told to do something different than the policy from a person working there who said it would be okay, and I will still penalized the {$190.00}. 

I am asking for CFPB to intervene, and have WF reimburse me the {$190.00} as they provided incorrect information which led to a tax penalty which is avoidable were it not for their providing inaccurate information when I called in XXXX and early XXXX to resolve this issue.

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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX 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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX 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 an account without my written instructions.

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 2022-02-04
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax continuously keep reporting a loan thy was closed and sent to a third party debt collector as a collection account. Debt was paid in full through debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
State: CA
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: Didn't receive services that were advertised

Complaint:
I have enrolled in Experian 's Credit Works credit monitoring service. I currently pay XXXX per month for unlimited daily access to my Experian credit report and score. 

However, I am unable to dispute anything online. I receive an error message that there are technical difficulties and they are working on resolving the issue. 

I recently had to send in my dispute via USPS and when they emailed me saying the results were ready, I was unable to view them online. I never received written correspondence of the results so I don't know what they are. 

I had a similar problem a couple years back and they discovered the file size was too large mainly due to the number of soft inquiries. Experian ended up purging the soft inquiries from my report in effort to reduce the size of the file. I'm not sure if this is the same problem I am experiencing or something else. 

I have contacted Experian Credit Works at the phone number listed on the attachment, but I keep getting transferred to different departments and no one has been able to 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 2023-10-12
Company: CITIBANK, N.A.
State: AZ
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:
I noticed a Non-Authorized Hard Credit pull on my XXXX credit report that was pulled on XX/XX/2021 by CBNA. I contacted XXXX immediately via certified mail that this was an unauthorized release of my credit report and to please investigate and remove it. I also called CBNA and spoke w/their credit department. They verified they had NO Information on the credit report request. They told me they would send a letter to XXXX so the inquiry could be removed. This has been going on for years with XXXX with no resolution. I've requested proof that they have completed a full and documented investigation and this has NEVER been supplied 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 2022-04-09
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked for debt Validation And they send me a they wrote their self LVNV Funding llc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It's been about XXXX weeks since I saw a notice saying my fund is not availabl for withdrawal, I tried to reach Capital One Bank the ask me to leave a voice mail message so can call me back, I did several time I havent heared from them. 
I cant pay my bills, all the bills are past due because of this. I need my money.

Company response to consumer: Closed with explanation