BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: World Acceptance Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM XXXX XXXX and this is not an unauthorized third party!! XXXX furnished false and misleading collection accounts on my consumer report. I first noticed them on XX/XX/2021, I immediately called the collection account companies to dispute the accounts by asking why they were reporting to my consumer report. The agent from the collection company gave me the name of owner of the account with the last 4 digits of the social security number. The account belonged to my father XXXX XXXX XXXX who has been deceased for 2 years. I gave them my social security number and they said that they never reported any information to XXXX  and i needed to dispute the account with them. I disputed the account with XXXX and they deleted the fraud account immediately because they had irresponsibly placed it there at my expense! I am a federally protected consumer and I have been violated pursuant 15 United States Code 1681e ( b ) and 15 United States Code 1681b ( 2 ). According to 15 United States Code 1681n civilly liable for damages to the consumer. Because of this false and misleading reporting, I sustained injury by being turned down for credit approvals and I paid higher interest rates on all consumer credit transaction post collections reporting by consumer reporting agency. I will begin litigation if i'm not compensated for my injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
In XXXX of 2020 I booked flights to XXXX through a vendor called XXXX using my CapitalOne venture card. Unfortunately in XXXX due to the travel ban on Americans going to the XXXX I begin to look into seeing whether or not I could get refunded for the flights which were due to be in early XXXX. 

After speaking with the merchant and explaining that I would not be allowed on the flight they told me that the XXXX ( XXXX ) would refund me the cost of the ticket. Albeit, when I contacted the airline they told me that XXXX would have to refund me since that is who I ultimately sent my money to. 

After going back and forth with both companies several times I opened a dispute with CapitalOne still back in XXXX. In XXXX I was contacted to provide more information to CapitalOne. Shortly after this time I received an email saying that the flight had been downright canceled anyways, so even if I had been able to go legally there was no flight for me to take. 

So I sent that confirmation to CapitalOne, after trying both merchants again, and I was told I would have a resolution in no more than 30 days. I called back 45 days later after hearing nothing and I was told that I would receive a call back in the next week. After another week went bye, I called CapitalOne on XX/XX/XXXX and I was then told that I would receive a decision by XX/XX/XXXX at the absolute latest. 

Unfortunately this morning ( XX/XX/XXXX ) I called CapitalOne again and I was told that now I will not receive a decision until XX/XX/XXXX. The bank has repeatedly lied to me about the timing of the dispute and seemingly every time I call it is very difficult to get any information out of them which has been very frustrating. 

Additionally, XXXX XXXX company policy says that I should be eligible for a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In my Chase account, I received an ad for Chase Sapphire credit card and it said I was preapproved for the card. 

So I applied for it but then was not approved. I got an email later saying it was because I had received a Chase sapphire promotional bonus 48 month ago. 

If that were a criteria, why was I pre-approved for that card? And why was it advertised to me? Now I have to deal with the repercussions of a hard credit pull. 

I am very disappointed with Chase and want them to either give me the card or erase my hard credit pull!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Halsted Financial Services, LLC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halsted Financials has called numerous times, at all times of the day from different numbers. When I finally answered the phone, to see who was calling, they would not identify who they were. While trying to receive information on the debt, it wasnt until then that I realized it was the same company. The person on the other end was very rude and didnt want to give any verifying information, only requested money for the said debt. They began to yell and became irate. I have never had an issue with settling a debt, but I feel this matter could have been handled in a more professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX 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 2021-08-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX a check payment to XXXX XXXX  in the amount of {$500.00} cleared my account- screen shot attached. Other payments came into my account AFTER this payment cleared that caused an overdraft. Rather than returning a payment that caused the overdraft - the payment for XXXX was returned. Screenshot attached. This payment was for my electric bill and is going to cost me a returned payment fee and they will no longer accept payment by check. This payment should have never been returned as you can see from the attached there were enough funds in the account to cover the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On the second of XX/XX/2019 the law offices of XXXX XXXX XXXX sent a man claiming to be with the XXXX XXXX County courts. he showed me a printed ID with no picture saying he was with the county and said I was being sued. He gave me no paperwork and no original document that had a court date or anything else. I told him with out a picture ID that indeed looked like a valid County ID that he needed to leave. He got angry and upset and I told him to get off my property and not comeback. He was real close to me physically throwing off my property. I received another letter from this crooked attorney last week and called to explain the situation to them but all they want to do is demand money. All I have is my Social Security and Veterans Benefits. 

The law offices address is XXXX XXXX XXXX XXXX., # XXXX XXXX XXXX. California, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Experian Information Solutions Inc.
State: IL
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:
Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, Experian, and XXXX are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...

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 2018-02-14
Company: EQUIFAX, INC.
State: OH
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:
Disputed inaccurate information reporting on my credit report and they are not removing this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian dose not take off identity theft. I send them driver license, police report, identity theft report. Left off confession of the theft. Along with 2 utilities bills to prove my identity along with the theft. XXXX XXXX XXXX posed as me to open credit cards, banking accounts, auto loans, Florida unemployment, other accounts unknown what they are. On my Experian credit report it shows identity theft. Account name XXXX XXXX  XXXX   credit card. Account number XXXX. {$500.00} over the limit XXXX. XXXX XXXX XXXX XXXX auto loan. Amount {$17000.00}. 2 accounts from XXXX  XXXX XXXX XXXX Account number XXXX amounts {$340.00}. The other account from the same company is XXXX. Amount {$650.00}.

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 non-monetary relief
Consumer complaint received 2020-09-08
Company: Lending Club Corp
State: IL
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:
Lending Club is reporting to Credit Agenies that I have missed payments in 2020. This has happened in XXXX and XXXX. Each time I called XXXX XXXX to informed them of the incorrect information, they correct it and resubmit correct information to credit bureaus. It happened again in XXXX. I reported to XXXX XXXX on XX/XX/XXXX and emailed them screenshots as proof it happened again. I called Lending Club to follow up on XX/XX/XXXX to followup. I was informed that the ticket was still open and to follow up on Friday. I called today XX/XX/XXXX to follow up and still nothing has been done. In the meantime, I have been denied credit because of their error. I am also concerned why this continues to happen as well as, its preventing from applying for additional credit for fear of being denied or given higher rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i owed dr XXXX XXXX and it was sent to focused recovery and i complained about it to you and it has been 3 yrs and they still say i owe XXXX you took it off and then it was still on i need it taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt was removed by XXXX  and XXXX  after being disputed but transunion wont remove debt or provide verification that the debt is indeed mine. Collection from XXXX XXXX wont leave my account after asking for proof of verification that the debt is mine from a signed contract proving that it is mine.

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 2020-09-08
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I joined a Debt Solutions company XXXX XXXX XXXX on XX/XX/XXXX - I added all my creditors to this company including Barclays card ending in XXXX the amount of {$9300.00}. On XX/XX/XXXX XXXX and XXXX XXXX, XXXX. Debt Collectors took over the Barclays Bank Delaware account. 

This was taking over by debt collectors from XXXX XXXX XXXX XXXX XXXX took over this account on XX/XX/XXXX and the account number was switch to account number ending XXXX and the amount of {$9300.00}. 

The agree settlement amount was agree to {$4300.00} and last payment was paid in full on XX/XX/XXXX. 

I finished with my debt solution company was called XXXX XXXX XXXX now XXXX XXXX XXXX to settle and pay off all my creditors on XX/XX/XXXX. 

Barclays Bank Delaware is claiming I still owe them over {$9000.00} and that they were never paid anything from the debt collectors that over this account and even cause the account number to switch in the end. This is causing a negative effect on my credit score from an account that was settled and paid.

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 2021-07-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company Jpmcb Card was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : Jpmcb Card - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: JPMORGAN CHASE & CO.
State: MD
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:
XX/XX/2018 a charge of {$310.00} from XXXX XXXX was posted to my account, my card was essentially stolen by a coworker. However even after requesting a new card THE SAME NIGHT and trying to deactivate the old one & talking to my bank ( Chase ), they claimed I was responsible for this transaction. The charge still sits on my account, 13 days later and my bank states that I need to pay for this fraudulent charge. I do not know who to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I created a Coinbase Pro account for trading cryptocurrency on mid XXXX. I was enticed to transfer digital assets to the Coinbase Pro account at that time. However, after I transferred the cryptocurrency to the account, my withdraw limit was set to XXXX. 

In other words, I am not able to transfer any digital assets out of Coinbase. It is fraud apparently. The restriction let me lose many investment opportunity and lose a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXXXX/XX/XXXX {$4800.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00} XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2023-01-09
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:
DEPT OF EDUCATIONXXXX : XXXX {$2100.00} DEPT OF EDUCATIONXXXX : XXXX {$4100.00} Thank you for responding to my previous complaint through the CFPB Complaint Portal. In your response, you have indicated that the inaccuracies have been verified by the furnisher. 

Upon further investigation of the accounts reporting on my credit report, I have found several inaccuracies in the payment history, balance updated date, and status not matching with XXXX which will be attached. I have submitted the same complaint to XXXX and they removed the accounts from my report because of the inaccuracies. This has given me the consumer more reasonable cause to believe that this information is inaccurate and according to 15 USC 1681s-2 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. 

At this time, I am requesting to have the late payments be removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the late payments have been removed. I eagerly await your response!

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 2021-07-01
Company: EQUIFAX, INC.
State: OR
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:
I did not consent to, authorize nor benefit from the following account. 
Block and remove it. 
XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the past month, I've been receiving phone calls on my cell phone from various phone numbers, all starting with XXXX. So far, there is XXXX ; XXXX ; XXXX ; XXXX ; XXXX. All starting with XXXX area code. I took one of the calls and individual addressed me by my maiden name, which I haven't used in 25 years. He insisted on me giving him information, though when I asked him from what company he would not tell me, only that it was regarding an outstanding debt. I told him I have no outstanding debt & that I have excellent credit, always have. I ended up hanging up on him since he was really pushing for me to provide information. I would not! The calls have not stopped. I looked up the phone number and the company name is Diversified Consultants , Inc . There are many negative reviews on this company stating they are scams and DO NOT provide any information. They do, however, manage to ruin credit for people. This is my great concern. As of last week, I ran my credit report and it is still excellent and no debt appearing.

Company response to consumer: Closed with non-monetary relief