BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
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:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Conn's, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns furnitureLocated in Texas company has used 273 different phone numbers to call then hang up incessantly if payment is late I have asked them to stop on multiple occasions and I believe after consulting with counsel this is a predatory action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Capital One XXXXXXXX XXXX card with special intro promo- this included a {$200.00} credit for purchases with XXXX within the first year. 

I DID spend $ XXXX at XXXX within the first year - about XXXX weeks shy of my full year having the card but they never credited me. I called in numerous times and it was reviewed and denied each time. They said that because the annual fee was charged BEFORE I spent at XXXX that I didn't meet the qualifications ... that is NOT what the terms said. The terms said first year and I satisfied that requirement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Theyre stating they have written more off on the account than whats actually settled Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2600.00} Highest balance {$1700.00} Terms NA On record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-07-02
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I lost my debit card XX/XX/21 i notices the fraud charges XX/XX/21 i called the police and made a report. I called ways 2 go program and explained i lost the card and gave all transactions that were made. The lady who initially took the call said 2 out of 5 transactions can only be placed in disputes that day because the merchant hasnt collected the funds. It was over 800 in purchases. I called ways 2 go XX/XX/21 and checked on my claim they advised it was denied due to no proof of fraud activity. The card was used as credit in multiple stores using XXXX XXXX and XXXX dollars at a time. Ive never spent this amount ever at a liquor store and also Ive only used debit while having the card. They keep telling me i cant appeal or reopen my decision unless i have new information to provide. This is crazy i am unemployed and have bills to pay. I will get put out if i cant pay my rent. They are offering me no help and dont care to help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One XXXX XXXX XXXX  XXXX XXXX, VA XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. Washington XXXX DC XXXXXXXX XXXX XXXX  credit card trip delay coverage Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Dear Eclaimsline dba XXXX XXXX XXXX XXXX XXXX XXXX : On XX/XX/XXXX, I experienced an overnight trip delay while traveling on tickets purchased with my Capital One XXXX XXXX credit card. I incurred expenses totaling {$230.00} for 2 passengers. This card covers up to a maximum of XXXX XXXX dollars ( {$500.00} ) for each purchased ticket. 
On XX/XX/XXXX, I submitted an insurance claim of {$230.00} via XXXX with supporting documentation. 
On XX/XX/XXXX, additional documents were requested, which were provided. 
On XX/XX/XXXX, the same documents were requested, which were again provided. On XX/XX/XXXX, a partial payment of {$71.00} was issued. 
On XX/XX/XXXX, I requested payment in full, which was denied on XX/XX/XXXX. 
Now, I respectfully demand that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX pay in full my claim for {$230.00} pursuant to the benefit terms offered by my Capital One card. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft and the debt was removed from credit report. The debt was purchased and again and is currently in litigation. I would like this removed from credit until the court proceedings are concluded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
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 previously asked for a investigation and I never received a respond on my complaimpt I have item on my credit file that were fraudulently obtain in my name I an a retired vet and I'm trying to rebuild my life and reached out to ask for help and obtain legal advice and were advised to make a complaint to get some type of revaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: MIDFIRST BANK
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a mortgage with midland mortgage a division of mid first bank, out of XX/XX/XXXXXXXX ok. We pay our mortgage on time every month. We have had to contact them several times about posting our account as late, when it is not. We requested a print out of all of our history. Which we paid {$100.00} for which was not a full history and was not correct. They continue to send statements every month after we have paid our mortgage. And they dont make sense, with Outrageous fees that continue to occur over a period of time. We called for a pay off amount. They could not provide that either. This is Affecting us dramatically. We are in the process of waiting for a home equity loan. I have a medical condition and need to have a medically Necessary XXXX. That continues to be prolonged do to errors on the mortgage company part. Which are effecting our credit. We have worked very hard to get this loan. My life is at risk. My family and I where informed I should not wait any longer to have my XXXX. And this is causing things to be pushed out further then Necessary. We our completely frustrated with going back and fourth with them to correct this. We need this loan now. And this mortgage company needs to get there records in order. Its there Responsibility to their consumers and their customers. We pay our bills on time we expect things to be reported correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-24
Company: JPMORGAN CHASE & CO.
State: TX
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:
In XX/XX/2017, I received a letter from Chase Bank USA N.A.  requesting additional information for the XXXX Visa Signature card I had applied for. The letter stated that my application had been denied because the information on the handwritten application was illegible. They suggested I call XXXX because they were concerned that this was an attempt to use my information fraudulently. I called and reported that it was a fraudulent attempt, and I had not applied for any credit card. That day, I started an identity theft report as suggested on your website. I got an official police report, an id theft case #, an IRS report of ID theft, and sent Chase a letter with a picture id stating it was id theft. I enclosed all of the above information. They responded in a letter acknowledging the fraud activity and sent me a photocopy of the handwritten application that was sent to them said they would close the file and not issue a card. They told me the inquiries for credit would not appear on my credit report and any from this company would be removed. I put a fraud alert and a freeze on my credit report. My problem is every month for the last year, I have received another letter from Chase about my having applied for the same XXXX Visa Signature card. ( Yes, I now have 13 such letters ). The last 5 letters are requesting I remove the freeze on my credit file so the application can be processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TN
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:
All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for XXXX XXXX thier private email messaging system is so they can hide the truth and not investigate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAINE & WEINER COMPANY, INC.
State: IN
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:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX  XXXX and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: OH
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:
First, I would like to complain that Equifax is hindering my ability to dispute XXXX XXXX XXXX account online because Equifax has continuously placed the account in " reinvestigation '' status when the account is not in investigation to hinder my ability to request an investigation online ( see attached ). Second, on XX/XX/2020, I sent Equifax a dispute letter ( attached ) to request them to remove a fraudulent account from my credit file in accordance to section 605B of the Fair Credit Reporting Act. On XX/XX/2020, I received Equifax 's dispute results and Equifax states the account was verified and the account belong to me ( attached ). In addition, Equifax reports that the account is open on my credit file when the account is closed to due fraud. XX/XX/2020, I received notification from XXXX XXXX that the account is closed and that they have not reported or furnished any information to Equifax since the account was closed. 

Equifax refused to report accurate information that the account is closed and also refused to block the fraudulent information and update my credit file within four business days of receipt of this letter according to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. This issue has affected my ability to obtain credit and I would like to attempt resolve this issue immediately before filing a lawsuit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: IN
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. 

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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Bridgecrest Acceptance Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX  Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC XXXX I do not feel the actions of my auto financer are fair. They report every blemish, and when I pay the car off they remove all the account, its gone, no bad or good credit. 
Nridgecrest reported every flaw when late and pulls the record when I pay it off, im dependent on the score, it would at least tell creditors its paid. 

XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX account # XXXX, account # XXXX, has violated my rights. 

15 usc 1681 section 602 states that i have a rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a 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.

Company response to consumer: Closed with explanation