BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone rented an apartment on XXXX. Apparently someone signed the lease virtually without my consent. I do not know who started this lease. The person who used my name was evicted before the lease expired. A debt collection is reporting the money owed on my credit report. The company is Rent Debt Automated Collections LLC. The amount they are reporting is {$5300.00}. I have told them this is identity theft but they won't remove it. The debt collector sent me a copy of the lease which has my name but it's not my signature. It says the date signed is XXXX. The paper the debt collector mailed to me says the creditor is XXXX XXXX XXXX. The mailing address of Rent debt Automated Collections is XXXX XXXX XXXX XXXX XXXX XXXX The main address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Their phone number is XXXX. 
I was able to get XXXX XXXX to remove it but the debt is still showing on the major credit reporting company 's. The signature on the lease is obviously computer generated. I need this off my credit. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a customer for Citi bank and I transfer some money into my XXXX XXXX The next day I wake up tried to used my Citi bank card it says it declined I spend the whole day calling them to verify my account they keep telling me they cant verify it I went to the bank in person they told me they cant do that inside the branch I have to called When I keep on calling them they keep telling me they will send me a code which I never receive its been 5 months since they blocked my account with my money in it and whenever I called they said they cant verify my account this is not fair

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not give consent for XXXX, TransUnion, XXXX, XXXX and XXXX XXXX  to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 has violated my Rights. 

The following accounts have been furnished as late. 

See XXXX Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states that I as a consumer have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
A grocery store called XXXX has been trying to withdraw {$28.00} from my account yet the grocery order was cancelled by me on their app! Its annoying

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I purchased a vehicle through capital one navigator with their preferred dealer World Wide XXXX. The dealer engaged in fraud during the transaction. I was sold an extended warranty. The extended warranty was started while my original factory warranty was running. I contacted Capital One Auto Finance on several occasions without resolution. Capital One dealer risk team is stating that they can not verify when that the extended warranty ran concurrent with the extended warranty but I offered capital one proof but they refused to look at it. They also have proof in their position. I would like a refund for the warranty plus any interest accrued for that amount. This dealer has committed these acts in the past. I was told that I had to sign for the product when I purchased the vehicle and that it was an extended warranty that would start when my factory warranty expired. If they look at the contract and look at the vehicle mileage and year they would be able to determine when the factory warranty was in effect. Capital One refused to provide this information in writing even though I sent in a written complaint to XXXX in the presidents office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Basically, I was tricked by this man who claimed to be an orphanage collaborator, he had me buy him some items that to my knowledge was for kids in an orphanage somewhere in LA according to him. He told me that if I helped him buy the kids some things he would pay off my credit card fully so I believed it and I got him his first order of two XXXX and a XXXX card, I didnt ship these items out until after he paid off my debts. He had send me his bank account number and within 24 hours The payment was processed. fast forward one week later I got an email stating that the payment didnt go through after all and that I need to contact my bank. so basically, this guy scammed me and when I messaged him asking him about, why is the email saying that, he simply blocked me. I didnt think it was a scam at first because it did process in the first place and also he didnt block me as soon as I shipped out the items like he couldve, he kept replying to me for a whole week straight and had me buy him a lot of gift cards for the kids supposedly. At this point, I havent even met him only talked on the phone and I asked him to send me some pictures of him and the orphans to verify, and he actually sent me that, so I really had no reason to not believe him, I got scam so bad I have his address he had me shipping these XXXX to some donation collector in XXXX Georgia who supposably collected and sent everything to the orphanage from there Luckily, the last package I had sent out on Friday still hasnt been delivered so I was able to get them to ship it back to me, and hopefully I will be able to get a full refund for the items. The website I used was XXXX  and they need to have better verification processes to protect gullible individuals like myself especially on a dating website like that this shouldnt be happening! Now Im being left with even more jobs than I started with, I already reported the charges as fraudulent to my American Express fraud team, hopefully my issues can be resolved and I can be fully reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have tried to dispute 3 charges for a cruise which was canceled by XXXX XXXX per my deposit agreement.1st USAA claimed that VISA was prohibiting them from completing the dispute and that I  needed to allow XXXX " reasonable '' time to process refunds.I allowed this time to pass. However, I did not receive my refund and requested USAA to reopen my original dispute. USAA is doing everything in their power to avoid assisting me with this matter! Asking me to wait for call backs which take over 24 hours and if you miss the call it takes another 24 hours .... I have submitted along list of documents to USAA to support my claim including a copy of my cruise contract, proof that it was canceled and copy of the documents that XXXX sent me confirming that I would get a refund in 45 days. At this point I feel as thought USAA is in direct volition of our deposit agreement as they they have only opened one of the 3 disputes for the smallest charge. continued refusal to assist with this matter will only continue finical harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is shown on my credit report : New Inquiry Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : XXXX Phone : ( XXXX ) XXXX Type of Industry : Utilities & Fuel Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX I called XXXX and they confirmed that I do not have an account with them. They have no knowledge of this inquiry. The representative suggested I file a complaint with consumerfinance.gov.

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 2020-08-20
Company: JPMORGAN CHASE & CO.
State: NV
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: Problem with personal statement of dispute

Complaint:
I am an XXXX member. I waited until I was going to make a big purchase ( first time you use the card 20 % off ) before applying for the card. 

I was approved and made and paid off my big purchases. That card has no annual fee so my plan was just to keep a XXXX  balance and use for big purchases for rewards. 

XXXX changed my payment default from my checking account to their credit card. I made two purchases of less than {$20.00} a piece assuming this was being taken out of my checking account. It was on the card and late payments and a late reporting to the credit caused my score to drop drastically. I made sure this account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with Equifax and XXXX, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case. 


XXXX took XXXX letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to XXXX XXXX XXXX also I would like to point that XXXX validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain. 

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from Santander that was issuing a refund due to file review. Santander was the original creditor. This debt should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One states that I owe an alleged debt for a credit card. I told Capital One that I do not owe them any alleged debts and that they did not provide any documents that was clear and obvious for me to make an informed decision for an agreement. I demanded to " Opt Out '' of them sharing my information to everyone and for them to properly validate this alleged debt. They ignored me by not validating the alleged debt and continuing to share my private information Capital one stated that they do not have documentations for the agreement, that means they are sharing false and misleading information about me to third parties including credit reporting agencies. See attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not fumish a 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 explanation
Consumer complaint received 2023-05-31
Company: Affirm Holdings, 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:
affirm and XXXX XXXX  are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the affirm account was fraudulently opened in my name. ive been trying to reach affirm via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: LEXISNEXIS
State: WV
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 file this complaint because there are many errors contained in my LexisNexis Risk Solutions Inc. consumer file. My consumer number is XXXX, and my case number is XXXX. Please see the attached letter from LexisNexis. I wish to dispute the following : My name is XXXX XXXX XXXX, not XXXX XXXX. I have attached a copy of my drivers license. Thus, please update Section 1 of my consumer file by removing the name XXXX XXXX. Next, I have not resided at XXXX XXXX XXXX, XXXX, WV XXXX since XXXX. I have also never resided in XXXX, Ohio XXXX, nor XXXX, Ohio at zip code XXXX. Please update Section 1 of my report to remove these addresses. Please also remove Section 3 : Records 17, 18, 19, 20, and 21 for these reasons. Additionally, I have never used telephone number XXXX. Please update Section XXXX of my report to remove this phone number. Finally, I previously requested that a fraud alert and a security freeze be added to my report inasmuch as I am the victim of identity theft. However, I do not see where my request has been honored as of yet. I have attached an identity theft report I filed with the Federal Trade Commission and a report I filed with the FBI XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
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:
Fidelity service opened on XX/XX/2022 amount XXXX filed federal trade commission report Company has not resolved this matter. 

XXXX opened XX/XX/2022 amount XXXX filed federal trade commission report company has not resolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on my XXXX XXXX credit card on XX/XX/18 for the current balance. On XX/XX/18 the automatic payment drafted resulting in a double charge on my account. There was no notification when I made my payment that it would result in the automatic payment still being collected. I called to request a refund and was told they can only issue me a check for the overcharge and it would arrive in 5-15 days. I inquired whether they could just refund the payment and they declined. I find it absolutely unacceptable that they would double charge my account without notification -- effectively stealing from me. To wait 5-15 days to get my money back is absurd, it should have be rectified 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 explanation