BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
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: Investigation took more than 30 days

Complaint:
in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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:
Hello, I was wondering why am I seeing XXXX XXXX reporting on my credit report without any of my written consent.I would like for you all to remove these accounts from off my report because you are in violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Also under 15 US Code 1681a ( 2 ) ( b ) - exclusions from a consumer report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. this mean you shouldnt be reporting on my consumer report please remove this from my report. 

With this being said due to not having my written signature and just because this is a extension of credit this MUST be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a Chase deposit customer and have been for quite some time. I keep getting preapproval offers for mortgage, car loan, etc., but I was not ready. My debit card has a XXXX XXXX image and a while back I noticed they had the same for their credit cards, so I applied ( I dont remember the date ). It was declined and I accepted it. I have since opened other credit cards without issue, including with XXXX XXXX XXXX whom I had previously included in my bankruptcy from 2003. I filed BK back in 2003 due to health issues and a car accident, which led me to not be able to meet all my finances. I have since learned to save, have proper insurance, etc. 

As a loyal Chase customer, I decided to apply again for the Chase Freedom XXXX XXXX on XX/XX/XXXX, but I was once again denied. This is through their automated system and it stated that it was due to my bankruptcy. While they provide an FCRA disclosure, I find this practice unfair and deceptive. They send pre-approval offers all the time, yet they decline when I try to apply. Not just that, but this is a BK from almost a decade ago. Others have extended credit to me, such as XXXX, XXXX, XXXX, XXXX, etc., yet Chase is acting like I am not worthy of them doing the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Procollect is a collection agency I guess for XXXX XXXX XXXX. I paid the XXXX XXXX XXXX in full. Procollect is stating on my credit bureaus I paid their collection company and stating a different amount. They r dishonest and inaccurate I have disputed this and the credit bureaus said it was validated. Which is not true. I gave copies of my money order receipts I paid to the XXXX XXXX XXXX to all 3 credit bureaus. And procollect changed the amount I had paid to an inaccurate amount. but still not to the accurate amount. I want this account immediately removed or I will sue procollect and each of the credit bureaus for dafamation of character

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 2019-10-10
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP   insurance that I took out when I purchased the vehicle. Santander has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where they received such information, so I may take appropriate legal action. Under the FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below is the list of the fraudulent items I found on my Credi report ad must reoved from my Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my Equifax settlement and XXXX  somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: PA
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 have contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. The company never removed the errors from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my XXXX  settlement and XXXX  somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with Experian.

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 2021-11-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things to my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/ 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My IRS refund amount of {$3100.00} aginst IRS return of XXXX  went to someone else bank account of wellsfargo bank and wellsfargo bank is not helping me to get this refund amount back. 


OnXX/XX/XXXXIRS issued a letter 150.1, after following up with IRS for almost 3-4 months with the help of Congress Man Mr. XXXX XXXX of XXXX County here in Texas. 

The letter 150.1 candidly shows that the amount of {$3100.00} went to the wrong account number, even then our name is mentioned there ( XXXX XXXX XXXX XXXX ). 

I had a personal meeting with BM of wells Fargo Bank in XXXX, TX and I have provided him the 150.1 letters. I also wrote an email to the BM and I have not got any reply on this.

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 2019-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The bank associate closed the wrong account in XX/XX/2019. The same day the associate informed us that the account reopen request was put in the same day this occured and that to wait for the account to be turned back on. This did not occur. The bank now says they cant put everything bank to the way it was. Isn't this fraud? I did not request for this account to be closed.

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 2020-04-25
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( MidWest Recovery Systems ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of XXXX XXXX before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 someone hacked my bank account with navy federal. They filed a dispute on my transactions and sent the money to their self. Navy federal didnt notify me of this situation nor did I get any text messages letting me know what had happened. I contacted navy federal and filed a fraud claim on my account. Navy federal then closed my account and told me I would be held responsible for the transactions that I did not authorize. I explained to navy federal that I didnt authorize those transactions and my account must have been hacked. I was told it could take up to a year to hear something back and if they deny my claim that I would be held responsible for the negative balance. So someone can just steal my money and get away with it and I have to be held responsible. Navy federal has a policy that covers any funds that have been taken from customers. Navy federal made me feel as if I was a villain instead of a victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX Purchase XXXX, IL {$1000.00} - Home Depot Will not provide video for this store location to XXXX XXXX XXXX XXXX after numerous requests XX/XX/XXXX I alerted fraud immediately upon seeing the notification card cancelled, new one issued XX/XX/XXXX Purchase -? - {$990.00} Can't identify this charge that is on the replacement card issued on XX/XX/XXXX. I recd card on XX/XX/XXXX via USPS XX/XX/XXXX - Purchase # XXXX XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet XX/XX/XXXX Purchase # XXXX - XXXX, IL {$390.00} This store location Video obtained by XXXX XXXX XXXX XXXX for this location shows Woman Making transaction using replacement card Number not in my possession yet. 

I have reopened this investigation numerous times only to have it closed because they claim the person picking up the merchandise ID info matches mine. I sent Citi bank a copy of my drivers license per their request. Clearly I do not match the person committing this fraud. Detective handling my case told me that he just wrapped up a case identical to mine involving and older gentleman. The fraud was committed the same way at the same store locations. It is obvious it is an inside job which Home Depot refuses to acknowledge. This has happened to me 7 times since XX/XX/XXXX. All have been resolved successfully until now. I even received another fraud alert on XX/XX/XXXX for {$1900.00}. This was resolved quickly. 

XX/XX/XXXX Reported Identity Theft to the FTC, Illinois Secretary of State and all 3 Credit Reporting Agencies. 
I have followed all the reporting guidelines from the FTC which brought me to you. If Home Depot 's XXXX, IL store would provide the detective with the video he has requested, this whole mess would be resolved. I live within XXXX miles of the Home Depot I frequent. For reference, the XXXX XXXXome Depot StoreXXXX involved are located in the city and are : XXXX XXXX XXXX, XXXX XXXX miles from my home XXXX XXXX XXXX, XXXX, IL XXXX Miles from my home. 
I would never travel this far for items that are readily available XXXX miles from my home.

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 2019-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Kohls requesting validation for an account that is being reported negatively on my credit report. I received a letter from Credit Control in which is the collection agency that purchased the account from Kohls. However, the account is still being reported by Kohls. I have yet to receive validation bearing my signature from either company. They have also failed to respond to any correspondence. I am demanding for this account to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failureto investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).

Company response to consumer: Closed with explanation