BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: Paradigm Assets, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account was original opened by XXXX XXXX the debt is older than 7 years... Please remove from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: SYNCHRONY FINANCIAL
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked them who the creditor is not he alleged debt. I then commanded them to cease and desist reporting that alleged debt.

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 2023-07-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi, I would like to submit a complaint about Wells Fargo deceptive overdraft fee policies, and not receiving accurate, or any, compensation.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: AR
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:
Experian has another person 's information on my credit report including another persons SSN. 

When I tried to get electricity set up at my new home, the electric company sent me a copy of the report from the soft credit check that showed no records found for my SSN. 

So now according to Experian, my SSN does not exist.

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 2020-12-04
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
To whom it may concern, I am writing today, to request an investigation into an incorrectly deposited check from XXXX XXXX. On XXXX XX/XX/2020, I requested a balance transfer with XXXX XXXX in the amount of {$650.00}. This was meant to go to a credit card with XXXX XXXX - XXXX ; however, the form with XXXX XXXX  auto-filled to Citibank and the following Citibank address : Citibank XXXX. XXXX XXXX XXXX KY, XXXX I did not catch this error during the balance transfer process, nor fully discover the error until XXXX XX/XX/2020, when I contacted XXXX XXXX. A stop was issued for this check : check # XXXX in the amount of {$650.00} from XXXX XXXX. However, the check was cleared by Citibank on XXXX XX/XX/2020. After speaking with several representatives with both XXXX XXXX and Citibank, I was advised to send a letter to formally request an investigation into the funds ending up in an unclaimed property bucket, or more simply put where the funds ended up, as well as request a refund in the amount of {$650.00} be issued directly to me, as there is no Citibank account for this to post to. XXXX XXXX advised due to the check being cleared by Citibank, they can not and will not be offering any further assistance with the matter, offer any investigation on their end, or speak directly to Citibank, and that I am to handle this directly through Citibank to get this resolved. Any assistance in this matter would greatly be appreciated, as I am currently stuck in limbo. 

I sent a letter with this information, and more, on XXXX XX/XX/2020 to Citibank, then again on XXXX XX/XX/2020. I have sent this information to two addresses : Citibank XXXX. XXXX XXXX XXXX KY, XXXX Citibank XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX I have not heard a thing, and on XXXX XX/XX/2020 I opened a checking account with Citibank, in an attempt to now be a customer, and receive some assistance. I am still receiving the same run around from Citibank, and no headway has been made, as they tell me they will not look into the matter, without XXXX XXXX XXXX involvement, which XXXX XXXX stated they will not assist with.

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 2023-03-13
Company: Harley Davidson Financial Services Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to dispute inaccurate late payment directly with Harley Financial services. They are continuing to report incorrect information. Please see attached file for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting an inaccurate account on my credit report. I do not have a debt or any relationship with this company. My credit report states that the agency name is Rec Mgt Grp which I have no recollection of either. I am asking for an investigation into this account because I was involved in a data breach and my information was compromised. Please send me the original contract bearing my signature, a copy of my photo id and ssc, proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties, and provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. If you can not provide all of the listed items, then permanently remove this account from my credit report. I am demanding that this account is removed to reflect my true creditworthiness while the investigation is being done.

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 2023-07-02
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX 2018 to now. I was in XXXX XXXX for military XXXX and they are trying to make me pay for a debt that was sold to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, I applied for a mortgage from several companies, including rocket mortgage. The Rocket mortgage representative identified themselves as XXXX XXXX, XXXX # XXXX. They said over the phone that I would be able to get a ~6 % interest rate by buying points at a significant discount. I asked to see this laid out in writing. He pressured me to pay {$500.00} over the phone so that I could lock in the rate he was verbally quoting, without putting it in writing. He said that we wouldn't be able to put the discount in writing, and sent me the quote without the discount. 

When my partner asked about what the interest rate would be without paying for points, XXXX did not present that to me, or my partner. Instead, he said that the breakeven point for paying these points would only be a year. When we calculated what the actual breakeven would be, it would have been 4 years. 

He deliberately mislead me to try to get me to buy the points by underestimating the tiem to break even.The also misled me as to what the real cost of the loan was due to his lying about a " discount ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
XX/XX/22 called all three reporting agencies and they refused to remove

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 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 XXXX this creditor has violated my rights. Under 15 USC 1681 sec 602 states I have the right to privacy. 15 USC 1681 sec 604a sec 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In or around XXXX, I had a Chase checking account, the account was closed for suspicious activity when I was helping my mother, who was working cleaning houses in the US deposit her earnings and I would pay her bills ( She did not have legal status at the time ) My account closed and I never followed up with chase but that was the reason they gave me. 
In XXXX, I tried to open a business checking account and was denied, I received no reason. 
In XXXX, I applied for Chase Saphire Preferred credit card and a Chase business credit card, I was approved without problems and for about 75 days I had the credit cards, I paid them on time and kept low to XXXX balances. 
In XX/XX/XXXX, I randomly logged in my account at XXXX and it said all my credit cards were closed. No reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received multiple emails about a Capital One credit card that I never applied for. Then, I received the actual card in the mail on XX/XX/23. I called the Capital One fraud department and told them to cancel the card immediately b/c I never applied for it. They said they would and would report it as fraudulent to the 3 credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: Skrill USA, Inc.
State: WI
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:
I have used Skrill as a payment through XXXX XXXX XXXX, and I have not received my {$30.00} game card. It's been almost 24 hours and I have bought it from XX/XX/2018 around XXXX XXXX in central us time. I am angry because I have tried to contact Skrill and XXXX, but I received no email back and XXXX never replied back to my ticket. I hope you guys take this matter seriously because this is also theft. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Fraud complaint on XX/XX/XXXX first unauthorized payment was XX/XX/XXXX my claim was denied appealed it on the XXXX and just got information it was denied again XXXX I think but definitely 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 2018-04-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my account for absolutely no reason at all. Im a long time customer ( 6 years ) never been late, wasnt maxed out ( only at 30 % ) and I dont have negatives on my credit report. Their letter when closing my account stated we are no longer able to meet your service needs. No real explanation, and no help when I called to ask why. Said there is nothing they can do. This hugely effects my credit negatively as I have limited credit, and did absolutely nothing to deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are several accounts listed on my credit file from several companies all in the same amount, these are unknown, I have requested validation and nothing has ever been received and they keep on getting reported same amounts by different companies. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
PLEASE DELETE THESE 2 ADRESSES. THEY ARE NOT MIND.

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 2022-10-28
Company: Block, Inc.
State: PA
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:
My cashapp was charged a large amount that I didnt authorize. I contacted cashapp and theyre saying they dont see any transactions from me for today XX/XX/22 and test my cashapp account is showing in the negative and their is no history attached to the transactions. This is all of my money and their telling me the turnaround time is 4-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX  a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued 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 2023-07-05
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am on XXXX and I fell on hard times and I'm trying to catch up on all my bills and I speak to a representative one day and the very next day another representative calls me and the next day another one caused me sometimes two and three times a day after we have already made arrangements to come in. They're calling in all time of the day and all the time of the night. They have a very rude and bad attitude and I'm just sick of them calling me so much when I told them that when I get paid and I have enough money I will bring them a payment. They act like they don't hear me the first time and they called again and another one called again and it is really getting annoying and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive sent a letter back in XXXX XXXX XXXX  to remove a name that is NOT my name off my credit report. The credit bureau has not removed it. This is an FCRA violation and needs to be removed. Ive included the letter I sent as well as my drivers license again.

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 2021-11-06
Company: DISCOVER BANK
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC ( Account number : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection company reporting outdated and fraud accounts not mines ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX ... .never done business with companies

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 2023-07-01
Company: Westlake Services, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Westlake Services Inc opened an account in XX/XX/XXXX. The account status on my XXXX credit report is reporting as A repossession in XX/XX/XXXX. In both XX/XX/XXXX and XXXX XXXX, XXXX I have made multiple written requests for a copy of the finance contract and payment history that proves this to be a repossession and Westlake Services Inc has failed to provide such evidence for more than XXXX days now. I demand to know what evidence XXXX has that allows them to lawfully report this account as a repossession. If XXXX or Westlake Services Inc can not provide the evidence, then they must delete the record of the reposession.

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 2018-04-06
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have spent over an hour on a 2 different occasions waiting to get through to someone to cancel my credit reporting service with no success. On a whim, i called the number to get through to someone about starting the service and was connected in about 5 minutes. I even sent an email to the customer service email. 

I want to cancel my service as it is not needed or desired.

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