BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX and 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 2023-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I dont check my account balance and transactions only if I have to and I checked Monday XX/XX/XXXX and I noticed my account balance was lower then I thought it would be so I checked my transactions and saw 5 XXXX payments all to the same guy never heard of this person or the name so I filed a dispute for {$430.00} and then today XX/XX/XXXX I got back saying they couldnt refund my account and nothing seemed to be wrong but I didnt authorize these payments so hopefully this can get resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with Wells Fargo that had a bonus code for {$300.00} if I met certain requirements. I had to make 5 deposits within 60 days to get the {$300.00} bonus. I made the transactions plus some, but Wells Fargo is refusing to give me the {$300.00} bonus. I checked to make sure with the banker my transactions would count prior to opening the account and they told me they would. Wells Fargo made an agreement with me they aren't honoring.

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 2020-06-01
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 {$1000.00}, {$130.00}, {$800.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX  XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -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 2023-02-13
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my records & noticed many information or items that do not belong to me Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 explanation
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
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:
Capital One continues to incorrectly report to the 3 credit bureaus & has done so since XXXX causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUXXXX & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them CAPITAL ONE turned this debt over to XXXX XXXX XXXX agency and the payments for the settled amount were made directly to XXXX XXXX as direct by Capital ONE! 
So Capital One is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Information belongs to someone else

Complaint:
I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note XXXX sending this complaint certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In the past, I have had numerous installment loans with Tower Loan, a local finance company. All of the loans have been paid off. However, they are showing a couple of late payments on my credit reports. I am on a fixed income and I always paid them on the first or close to the first of the month, each month. I have spoken to the Manager and he stated that there is nothing that he can do. However, they are always calling my phone, trying to get me to sign for another loan with them. I have all of my receipts, proving that I was not late paying theses installment loans. The two loans that are appearing on my credit reports are : 1. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1600.00} 2. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1300.00}

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 2018-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a dispute online with XXXX who reached out to XXXX/XXXX XXXX and told them I had paid this debt off directly with Capital One. XXXX/XXXX  XXXX refused to cooperate and stated that the debt was still valid. XXXX won't remove the debt because of what XXXX/XXXX  XXXX has stated. 

The debt has been paid in full with Capital One Credit Card Company and can be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 repport. 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 you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please have the following items removed from my Credit File as soon as possible. : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/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 Bankruptcy Discharged XXXX XXXX XXXX Bankruptcy Discharged XXXX XXXX  XXXX Bankruptcy Discharged XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to have the disputed accounts and information removed from my Credit File, so please do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 and 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 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 2018-11-12
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I sent in a copy of my social security, my utilities bill & drivers license, I have constantly disputed the incorrect addresses on my account, the company has yet to get back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX XXXX and Citizens Bank equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I completed online loan inquiries and received a response from XXXX XXXX XXXX, phone number XXXX. When I contacted above number and was finished with the verification process they started talking about getting my credit card info for a verification and then I would be able to get loan. I asked why and he gave me a response that did not make sense. I told them I wanted to cancel application and they have my information so I don't know what to do. They sent me emails with XXXX XXXX XXXX names, information, and legit looking documents. When I called they answered with XXXX XXXX XXXX as  well. I don't know if this is legit XXXX XXXX XXXX but if it's not they have all my information from the verification process I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: JPMORGAN CHASE & CO.
State: IL
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:
Reviewed my credit report and found chase card reporting a balance of {$2800.00}. Please produce proper validation per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I completed a purchase with the retailer XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. The retailer advised me that they are having a problem placing a purchase on my Synchrony Home Credit Card issued by Synchrony Bank. Currently, the account is showing available credit of : {$8600.00} as of XX/XX/2023. Specifically, the purchase amount is : {$7500.00}. Therefore, on XX/XX/2023 at or about XXXX XXXX, I utilized the " chat '' function of the business Synchrony Bank through a website maintained by the business. The chat session ID is : XXXX, the employee was listed as XXXX. I have placed an arrow and underlined the relevant information. The employee confirmed the following : " Thank you for waiting. Upon checking XXXX XXXX XXXX accepts Synchrony Home Card ''. Additionally, the employee stated : " That is correct there shouldn't be any problem on your card. It may be their terminal that would have the problem ''. Also, for the record, since opening this account, I placed an {$8000.00} flooring purchase that was paid off during the promotional period and numerous other small furniture purchases. All of my purchases on the account have been paid in full during the promotional period. I have included on this complaint the chat session and a printout from the Synchrony Home website showing the merchant is an authorized retailer accepting the card.

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 2021-04-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt from a medical establishment that i have never been to keeps applying an amount to. I have XXXX medical insurance so it would have been paid for. That is a hippa violation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: IN
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: United Debt Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is an extremely upsetting case of possible UDAAP violations. I received a very threatening call from a XXXX XXXX - NO company name left. The message said that she was an independent courier and that she will be at my home during my work hours. She advised that if I was not available at this time which I will not be she will be forced to mark me as non-complaint/refusal and additional action may be taken towards me. Additionally she left a number for me to call the " filing party '' insinuating suit or formal filing. The number left was XXXX. This was a call to XXXX XXXX. I called the number and spoke with a XXXX XXXX who provided me the last four of the SSN. What is this was not me? The appropriate practice would be to ask the consumer to validate. I advised this person that I wanted validation of this alleged debt via mail and did not want any additional phone communication and that I did not want anyone coming to my home and if so I would contact the police he advise that he would send a police escort if necessary. This is a direct threat to my safety and my home and I am unaware of any such debt! He offered to email me the validation I again requested all communication via mail. HE REFUSED. Additionally I advise him of the unprofessional and threatening tone of the carrier he advised this was not his companies responsibility and he was not sure who the carrier was. I requested additional information as I am unsure why he would not have this information. He said it could possibly be XXXX courier. He stated this was for a debt from XXXX XXXX ' XXXX from 2013. Again I am not familiar with this debt. He informed me that I was on a " Federally recorded line '', this is an attempt to intimate me and refused to provide validation outside of email and stated someone is coming to my home again with police if necessary. I advised him I do not want any additional phone calls or home visits, he stated that then this will be handled in court. I asked him to clarify if he was threatening me with a lawsuit and he said no I am just letting you know what your options are before we sue you. I provided him my attorney name and phone number and ask him to not call me again. Subsequently he proceeded to contact my employer line and gave a false name to the reception area to be transferred to my voicemail. He stated his name was XXXX XXXX when it was actually XXXX saying that he wrote the attorney number incorrectly and wanted to " give me the opportunity '' to provide the correct attorney name " otherwise '' he wishes me the best of luck in the courts. I asked the front desk to document this false name and I also saved the message. This is a clear violation of UDAAP. This was uncomfortable and very threatening.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation