BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received an alert from 2 of the credit bureaus I use to monitor my credit. 
I was made aware that a company from Calif. had put a collection on my reports for some ridiculous amount. This so called company name is Caine and Weiner has put a fraudulent claim on my credit reports. 
I was struck by a XXXX driver in XX/XX/XXXX and have spent the last few years in court with her insurance, finally reaching a very nice settlement in XX/XX/XXXX, now I am finding fraudulent people who want place erroneous items on my credit report thinking I will pay them. 
I will not tolerate this and I will fight this with all I have!! 
I am outraged that the credit bureaus are able to just arbitrarily place items on my credit report with out any effort to obtain as whether they are real or fraudulent. 

I researched this so called company XXXX XXXX XXXX and much to my dismay there were pages and pages of their fraudulent behaviour. 
I do not owe them any money and I want this off my credit reports as quickly as possibe, I am rebuiding my life after being mowed down by a XXXX driver and I will not be taken by a scam artist. 
The date that is appeared of the alert is XX/XX/XXXX. 
The amount is {$3100.00}. 
The name is Caine and Weiner. 

I thank you in advance for all your help and quick response. 

Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The accounts I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these accounts as soon as possible : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-04-08
Company: HYUNDAI CAPITAL AMERICA
State: AL
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 NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.

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 2022-04-08
Company: General Motors Financial Company, Inc.
State: AL
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 NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: ID Analytics, Inc.
State: MA
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 company sage stream unlawfully obtained personal sensitive information with out my consent both written or expressed and has major discrepancies in their reporting compared to the three major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company accessed my credit profile on XXXX without my consent on XXXX.They also placed a 7 year old fraudulent debt on my credit report and put a date of XX/XX/XXXX for collection and account opening, which is illegal. This debt was done fraudulently and was removed 7 years and the service has been DEPLORABLE. I had filed a police report, XXXX complaint and FTC complaint and report as well during that time and again recently. This company has over 300 complaints about various unethical business practices which are not limited to reporting old information on the XXXX site itself.They have been no help in getting this matter resolved and it is absurd for be to jump through hoops to get this removed off my credit report. It was placed using a collection company with the account # XXXX. They have never contacted me sent ANY LETTERS nor anything else since XXXX! I'm certain whatever address they do have is wrong since this was done fraudulently in the first place ( They accessed personal information WITHOUT MY CONSENT XX/XX/XXXX VIA CREDIT REPORT ). I called yesterday ( XXXX XXXX ) and was placed on hold a total of 6 times, sent to the voicemail of someone named XXXX twice and met with rudeness from several agents.If this is NOT REMOVED AS REQUIRED BY LAW, I will indeed pursue legal action IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We decided to do a debt counseling program on one credit card, XXXX. The next thing we knew the other credit cards were being closed without our knowledge. We didn't authorize them to be closed. They were all link to Synchrony bank. Isn't this considered bad business and consumer abuse.? Are we not covered by the consumer protection, and rights??

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 2021-06-12
Company: CITIBANK, N.A.
State: OR
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:
It has been more than six months to resolve disputes with Citi Bank. Every time I call, someone in XXXX or XXXX tells me its processing, just wait. I am so tired of waiting.

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 2022-04-08
Company: SYNCHRONY FINANCIAL
State: AL
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 NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.

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 2020-02-10
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 information incorrect

Complaint:
Capital One # XXXX is reporting a charge off with a balance that should not be on there. I have settled this account and it should not be reporting a balance to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Capital Accounts, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Capital Accounts has been hounding me by calling repeatedly from disguised numbers, and through different agencies to make contact with me, after I have told them to never call me again. Today they called my home phone number and discussed my medical bills with my wife and attempted to pressure he to give them a Credit Card number for a debt that I have checked with the Medical Provider and this debt was paid. 

I have never given them permission to discuss my personal medical records with anyone, and feel this is just another type of harassment. The Bill which they are referring to is from a medical procedure which took place in 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: MN
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:
XX/XX/XXXX mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. OnXX/XX/2019 XXXXXX/XX/XXXX placed an unauthorized inquiry on my credit report I called XX/XX/XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XX/XX/XXXX remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.

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 2022-04-08
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2022, XXXX-Thank you for contacting me regarding information contained in my consumer file. Pursuant to section 609 of the Fair Credit Reporting Act 15 u.s. code 1681 GXXXX I am providing proof that you are in violation of 15 u.s. code 1681 S ( 2 ). I received my XXXX Consumer Report which states on page 67 that I had an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX records page 94 provides the same address as petitioner. The address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is not on my consumer credit reports. XXXX states that they obtain this address from Equifax, XXXX, and XXXX. I have attached a letter that they sent me stating this. Congressional law of the Fair Credit Reporting Act clearly states in 15 u.s. code 1681 a consumer credit report must be accurate. There are several different name variations ; the address that you are listing of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not on my consumer credit reports. I have attached my XXXX, Equifax and XXXX consumer credit reports As proof that this address is not my previous or present address. I request a reinvestigation due to the fact that I already disputed this bankruptcy reporting on my credit reports. XXXX HAS removed the bankruptcy due to XXXX inaccurate reporting as federal law requires for consumers by law. DOCUMENTS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Klarna AB
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I sent several emails to Klarna financial services regarding charges that were made fraudulently with my bank. I then went to XXXX to report this account and print out documentation to send to Klarna headquarters. They never responded back to my letter or emails and they continue to harass me via phone calls trying to get me to pay or they are sending my account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Santander Consumer USA 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:
There stating on my report where everyone sees that I owe this money to sandtander well that's not true I sent it back an also XXXX I never ordered that I've had people call me up an ask me if I ordered XXXX  I've never have an I'm XXXX an I don't want this XXXX other people got my social security number from some where cause 2 yrs ago I had a police officer tell me over the phone that I did something wrong then realised how could I have if I'm in XXXX an this happened in XXXX XXXX an I was in XXXX  for a XXXX so yeah I want this stuff off my report I'm tiered of this I can't get any thing I'm so angerie so I'm telling u that the names also on the report I no how to spell my name this is rediculise I'm embarrassed of this XXXX but I shouldn't be I didn't do this I want it off my number is XXXX XXXX call me tell me what's happening XXXX im innocent .thank u XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I VE BEEN HAVING SO MAY ISSUE WITH THIS FINANCE COMPANY SINCE THE START OF THE LOAN. EVERY TIME I DISPUTE SOMETHING ON MY CREDIT REPORT THEY COME BACK WITH THE SAME ANSWER. THAT IS WHY I CHOOSE TO TRADE MY CAR IN AND GET FINANCED THROUGH ANOTHER FINANCE COMPANY. I CANT SEE MYSELF GOING THROUGH THIS FOR THE NEXT 5 YEARS WITH THIS FINANCE COMPANY NOT UPDATING MY CREDIT REPORT ACCURATE EACH MONTH. EVEN WITH TRANS UNION I SENT IN THE DOCUMENTS THAT SHOWED THE ACCOUNT IS PAY IN FULL OR ANY DOCUMENTS THAT SHOWS MY  DISPUTE OR WHY I AM DISPUTING THIS WITH THE DOCUMENTS THEY DONT USED THAT. SO WE ARE BACK HERE AGAIN WITH THE SAME ISSUE AND THIS TIME THERE SHOULD NOT BE ANY REASON WHY MY DOCUMENTS THAT I HAVE LISTED DOESNT GET FIXED. SO A LITTLE BACK GROUND ON THIS, MY ACCOUNT WITH XXXX XXXX WAS OPEN ON XX/XX/XXXX AND MY FIRST ON PAYMENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXXOF XX/XX/XXXX. ON MY PAYMENT HISTORY I AM MISSING THE TRADE LINE OF THIS ACCOUNT FOR XX/XX/XXXX OF XX/XX/XXXX AND WHEN YOU LOOK AT THE OPEN DATE WHICH SHOWS XX/XX/XXXX IT SHOULD ALSO SHOW ON MY PAYMENT HISTORY AS OKEY. WHEN YOU LOOK AT MY PAYMENT HISTORY IT STARTS WITH XX/XX/XXXX OF XX/XX/XXXX. ON MY EARLIER CREDIT REPORTS IT SHOWS THE MONTH OF XX/XX/XXXX OF XX/XX/XXXX SO WHY DOESNT IT SHOW HERE ON THIS CREDIT REPORT. I HAVE MADE ALL OF CAR PAYMENTS ON TIME FROM XX/XX/XXXXOF XX/XX/XXXX TILL THE LAST PAYMENT WHEN I TRADE THIS CAR IN AND THE XXXX XXXX RECEIVED A DEALER CHECK FOR THE AMOUNT {$11000.00} ON XX/XX/XXXX. I HAVE MADE PAYMENTS ON THIS ACCOUNT FOR 15 MONTHS FROM THE MONTH OF XX/XX/XXXXOF XX/XX/XXXX TILL XX/XX/XXXX OF XX/XX/XXXX. SO ON MY CREDIT REPORT IT SHOULD SHOW PAYMENT HISTORY AS OKEY OR CURRENT FOR XX/XX/XXXX OF XX/XX/XXXX TILL XX/XX/XXXX OF XX/XX/XXXX. ACCORDING TO OUR LAST DISPUTE XXXX XXXX HAS NOT UPDATE MY TRANS UNION CREDIT REPORT ATT ALL. IT SHOWS A BALANCE AND IT SHOW THE LAST TIME THEY UPDATE THIS REPORT WAS XX/XX/XXXX. WE ARE IN THE MONTH OF XX/XX/XXXX. THEY ALSO SENT ME A LETTER THAT STATE THIS ACCOUNT IS CLOSED WITH A XXXX BALANCE AS CURRENT AND THEY ALSO ENCLOSED MY PAYMENT HISTORY ON THIS ACCOUNT. I WANT TRANS UNION TO GET WITH XXXX XXXX AND I W ANT XXXX XXXX TO GET WITH TRANS UNION AND UPDATE MY CREDIT REPORT ACCURATE.

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 2021-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 my phone, wallet, and keys were stolen. A debit charge of {$3900.00} and a charge of {$1600.00} were able to be made without my authorization, as well as a credit charge of {$880.00} at a XXXX store in XXXX XXXX. 

After filing the appropriate fraud reports with Wells Fargo, the credit charge was returned/re-credited to my account as it was determined to be fraud, but the {$5400.00} debit charge claim was denied as it was determined to not be fraudulent. This is clearly contradictory, as the incidents occurred simultaneously at the same location. Wells Fargo claims that I authorized the charges over the phone, but I did not have my phone as it was stolen. Additionally, it is impossible that the thieves would have known/been able to use my pin number as it is an arbitrary number that only I know and is not recorded anywhere besides my own memory. 

Wells Fargo allowed my money to be stolen from my account without proper authentication, and refuses to reimburse the amount that they allowed to be stolen from 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 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXX XX/XX/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 2022-04-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So i started a business account on Paypal as i am working freelance and wanted to get payments on it. The FIRST payment i got, i was told that they will be on HOLD for 21 Days or i have to upload the shippment document to get them released after 7 days, i told them it's virtual services, i don't ship anything and i confirmed that! After my 3rd payment which were on Hold as well they sent me an email that my account was set to limitation and i have to provide informations which i did and also shipement document ( which i contacted the customer service to explain the nature of my business and that i don't sell products to have shippement documents and the agent understood that and told me they will set up this ). After two hours i got that i can no longer use paypal and i can get my money only after 6 months!! I did nothing wrong and why should i wait 6 whole months?? I really regret it using this company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2019 unauthorized payment to XXXX XXXX XXXX through CashApp {$30.00} XX/XX/2019 unauthorized payment to XXXX XXXX   XXXX through CashApp {$40.00} I did not authorize these payments and XXXX XXXX XXXX did not receive them. CashApp refuses to refund my money.

Company response to consumer: Closed with explanation