BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: Direct Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several calls from this company, Direct Recovery Services claiming to take " legal action '' against me. After speaking to a rep named " XXXX '' I told her I did n't want to discuss this and I terminated the call and she immediately called me back telling me that she needed to verify who I was and needed more information. I advised her that she was not allowed to call me back after I hung up on her because she was with a third party collection agency. She kept stating she needed to verify the info, I advised her that I would submit a complaint and she did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
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:
I am a authorized user so please remove from my credit because I am not responsible.

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 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
My account with capital one was closed in XXXX of 2020 by capital one with NO BALANCE. In XXXX of 2020 a disputed charge was added back to the account and I was not made aware of it. The account began to accrue interest as well as late fees. The account has now been marked 30 days past due even though I have never been late on this card. It now shows on my credit report as closed as of XX/XX/2020 its in collections when CAPITAL ONE has NEVER attempted to contact me to inform me that a dispute was added back to my account. They stated they mailed out statements to an incorrect address. Ive lived at the same address for over 5 years and have never changed my address with capital one. How ironic is it that when my account is closed and money is owed you guys tell me I changed my address so you had no way of contacting me! I had no access to online banking they restricted access in XXXX of 2020 I just regained access XX/XX/2020. So there was no way for me to get a fair chance at paying this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Money was stolen out of my account on XX/XX/2020 in the amount of {$390.00}. I tried to cash out the funds to my Bank Account and Kept getting an error message that said Account Locked, we detected something unusual. To protect your funds, weve temporary locked your account. 

I log in my cash app and my money was still there, but I got an email that said your debit card and email was unlinked from your account, I logged back into my cash app and noticed that someone replaced my debit card it another card ending in XXXX ( see attachment ) I then tried to link my debit card back and it said card not supported. 

I received several emails ( see attachments ) where someone was trying to log into my account and cash app sent sign-in codes. I immediately changed my email password. I tried reaching out to cash app and kept getting an automated response. On XX/XX/2020 I tried to log into my cash app, and it would not let me, it was as though someone deactivated my whole account. My cash tag $ XXXX no longer existed with an account, I put my phone number in, and they wanted me to create a whole new account. So not only was my money {$390.00} stolen, but all my stock and Bitcoin are gone. 

Cash App deals with customers money, so they should always have an 800 number where customers can speak with a live agent/representative instead of having to email and wait for a response. I was contacted by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all with the same none sense response ( see attachments ) XXXX even said that my issues were resolved!!!!!!! I have tried every day to get a call back because apparently your Support team clearly does not understand what is going on. They all gave me a case # XXXX. I even reach out to cash app support on XXXX and XXXX and continue to get the same XXXX responses. 

The most frustrating part about this situation was I was on the road heading from XXXX, NC to my hometown XXXX, MI for my aunts funeral. I was going to use this money, for gas, food and to send money for the flowers for the funeral. This messed up my whole trip. 

I filed a police report here in the city where I live XXXX, NC with the XXXX XXXX Police. I will be reaching out to an Attorney, XXXX XXXX Police Department, XXXX XXXX Local News, XXXX Local News, posting on every social medial platform, XXXX, XXXX, XXXX, XXXX  and every blog until my money, stock and bitcoin is returned. This is ridiculous and frustrating, cash app supposed to be so safe and secure but somehow let an unknow individual get into my account. Im starting to wonder if it was an inside job because I always had my phone with me, and I thought since it was a mobile app you would need your phone for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Account status incorrect

Complaint:
According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.

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 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
These accounts don't belong to me. Please remove them fro

m all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 10. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX  Account Number : XXXX This is not mine. 12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 13. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
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: Information belongs to someone else

Complaint:
There is wrong information on my credit report.

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 2022-11-05
Company: Experian Information Solutions Inc.
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:
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, 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 of convictions of crimes which antedatesthe report by more then 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

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 2023-01-23
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company constantly sends letters and phone calls even after confirming that debt is not mine. Has affected my credit score tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: JPMORGAN CHASE & CO.
State: TX
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:
Someone has used my Mother 's checking account number and/or debit card number from Chase Bank and has charged in excess of {$2200.00}. All payments were made to XXXX XXXX. In speaking with XXXX XXXX XXXX, they informed us that there are two separate individuals in the XXXX area that are responsible for this fraud. XXXX has agreed to return all monies that were fraudulent, however they require a late ACH payment form from Chase Bank. Several employees from Chase bank ... branch employees through supervisors in the Fraud Department have refused to provide this form for us citing because my Mother has a valid policy with XXXX they consider it to be a valid merchant. Despite pleading with several Chase representatives, they all continue to deny this request. Date of fraudulent transactions are XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 -- XX/XX/20 and XX/XX/20. The account was closed and a new account was opened so no further charges could be made. Also, a police report was filed with our local Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian will not allow Dispute of Incorrect Payment History for XXXX XXXX XXXX XXXX.This Debt was discharged in Chapter XXXX XX/XX/XXXX and is reporting as a Charge Off XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Santander Consumer USA Holdings Inc.
State: UT
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:
Chrysler Capital are reporting lates for XX/XX/XXXX20 and XX/XX/XXXX20 on my credit credit as well as my husbands. We ask that they please remove the lates from our file. We ended up contracting XXXX  and got very very sick and had to be in the hospital for well over a month. We really couldn't do anything, we had our family members helping us as much as they could but we got behind for a couple months on a few bills. This was not intentional, we had a very difficult time in the hospital. I ask they make a one time good will adjustment and remove the 2020 late notations from our file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that XXXX had taken out three payments due to a glitch while paying on line! I called XXXX immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you 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 explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt has been paid a long time now. They are affecting my credit by violating the FCRA ACT LAW by reporting incorrect information. This debt needs to be removed.

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 2019-05-30
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a military star credit card with AAFES while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. 
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with AAFES comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the AAFES. I have read multiple complaints about XXXX taking far more money than owed by veterans. 
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the XXXX XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2020-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This issue is more related to my inability to get a refund on an airline ticket I purchased through my Capital One Mastercard for flights XXXX  ( XXXX XXXX ) cancelled in late XX/XX/2020. Per DOT regulations, XXXX must refund the airline tickets when they cancel a flight. This refund must be processed within seven business days. It has been 50 days since the flights were cancelled. XXXX  will not refund the charges for a flight they cancelled. It is a little under {$1000.00}. I am not getting any traction with the airline. I suspect they are delaying due to cash flow issues as they recently filed for bankruptcy. Debtor 's counsel is XXXX XXXX. I've attempted to resolve this issue with XXXX 's customer service email address, their XXXX page, and contacting their senior leadership, all without success. 

My desire is to get a refund of the purchase price. Tickets purchased in XX/XX/2020. 
Flights were supposed to occur in XX/XX/2020. 

Any assistance you can provide securing a refund from XXXX is appreciated. 
I can provide ticket numbers, my travel agency, the official DOT complaint I submitted, emails I sent to XXXX 's CEO, COO, and CFO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Transunion on XX/XX/XXXX,XX/XX/XXXX and on XX/XX/2019 I sent a certified letter advising that there are multiple inquires on my credit report that are not authorized. I have contacted the companies. I have also provided Transunion a copy of my Identity theft report to advise that I have been a victim of identity theft. I am upset that although I have provided them with the necessary information they still continue to not remove the inaccurate information from my report. If this can not be rectified I will seek legal action. There is no reason why the information should not be removed if the proper documentation is being provided to you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation