BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I feel that Discover is being misleading about the Secured card. When I applied on the discover site back In XX/XX/XXXX for the secured card it stated that it would graduate after the XXXX month. This card has yet to graduate and it has been open for 18 months. This account has never been in default and always in good standing so I'm wondering why the card hasn't graduated yet? I have called and spoken to representatives and the only thing that Discover reps tell me is that it's systematic and they can't do anything manually. I've asked what are the qualifications to graduate and Discover can't tell me anything pertaining to it. I've asked questions about the needed score to graduate, how many months does it have to be, even the bureau that they're looking at and they CANT tell me anything. Why would Discover offer something to the public but can't tell customers what's expected to move to the next level? I feel that's very misleading and it's very shady for a company that guarantees quality to not answer questions in order for me to succeed. The answer the reps give are no better than competitors XXXX reps answers. I'm very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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:
XXXX XXXX # XXXX I don't have a contract with my signature attached and this is not my mine and asking to remove I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Based on Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a 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 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These were not authorized

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 2018-01-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE 27 INQUIRIES ON MY EQUIFAX AND XXXX REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED EQUIFAX AND XXXX SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: NV
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:
Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXX XXXX, MIXXXX(XXXX) XXXX XXXX XXXX, MNXXXX(XXXX) XXXX XXXX XXXX, NVXXXX(XXXX) XXXX XXXX, RIXXXX(XXXX) XXXX, TXXXXX(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 2021-12-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX XXXX- I take auto loan out with Chase Bank for purchase of new XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX  sold to XXXX XXXX for {$35000.00} XX/XX/XXXX - Chase receives check from XXXX via XXXX  XXXX ( tracking number XXXX ) for full balance of loan {$18000.00}. 
XX/XX/XXXX- Chase cashes check, XXXX confirms funds have been withdrawn from their account XX/XX/XXXX - my monthly loan payment due date passes. 
XX/XX/XXXX - my first call to Chase customer service for information and status on loan payoff processing. No resolution, Chase acknowledges receipt of loan pay-off on or about XX/XX/XXXX - 2nd call to Chase customer service with similar outcome. Chase says they are investigating what happened to funds. Loan account still active. 
XX/XX/XXXX - {$30.00} late fee applied to my loan account on or about XX/XX/XXXX - 3rd call to Chase customer service. No change, still investigating with Chase Payoff Escalation team. No eta, due date, or other details available. 
XX/XX/XXXX - 4th call to Chase customer service. Again no change in status, still investigating. Chase confirmed title for vehicle has not been released to Dealer ( XXXX ). Appears XXXX may have already sold the vehicle, waiting confirmation of sale from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: AR
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:
On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX  and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when XXXX and XXXX  stated that the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2018-01-04
Company: EQUIFAX, INC.
State: NV
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:
Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXXXXXX XXXX, MIXXXX(XXXX) XXXXXXXX XXXX XXXXXXXX, MNXXXX(XXXX) XXXXXXXX XXXXXXXX XXXX, NVXXXX(XXXX) XXXXXXXX XXXXXXXX, RIXXXX(XXXX) XXXXXXXXXXXX, TXXXXX(XXXX) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I am disputing a transaction on my Bank of America card. I initiated the dispute on XX/XX/XXXX. I have received no correspondence until yesterday XX/XX/XXXX. The letter I received stated I needed to reply by XX/XX/XXXX ( the day before ). The letter also included a rebuttal from the merchant which had absolutely nothing to do with the claim. I called BOA on XX/XX/XXXX ; the day I received the letter and spoke to XXXX. XXXX instructed me to ignore the letter as the claim was resolved in my favor. I questioned him several times regarding this as it made no sense that they would send a letter on a closed claim. He assured me the claim was in fact closed and I needed to do nothing further. At XXXX AM the following day XXXX, I received an email from BOA stating my claim was forfeited as I did not respond by the deadline. I called BOA and spoke to XXXX. He informed me that XXXX was mistaken and indeed I had missed the deadline to respond. He also informed me that the merchant had 45 days to respond, BOA had 30 days and because they were doing research that only gave me a week to respond. He did allow me to respond today and still make the deadline. Apparently the merchants and Banks have more rights than the consumer that was defrauded. Not only can a merchant send in any response regardless of merit but the bank can sit on it and do nothing to wind out the clock. They can then give you no time to respond and blame you for missing a deadline that has passed.

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 2018-01-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had a quote done in XX/XX/XXXX with Home Depot and XXXX XXXX XXXX to get my floors done. In XX/XX/XXXX I finally had them to come in and before they touched anything they told me that I have to pay an additional {$6200.00} to have the tiles removed. I told them that I did n't have that kind of money and they preceded to say if I did n't do it they would n't do the floors at all and would n't be responsible for anything that would happen if something was to go wrong. Out of desperation since the materials were already in my home I agreed to this extra {$6200.00} being added to my credit card to remove my tiles and complete the job. After the tiles were removed they said they needed to speak to me and requested an additional {$4000.00} to put the floors down I told them no this is ridiculous everytime you get ready to proceed with the next part of the job I 'm getting charged additional money and I 'm not giving you anymore money. They then left me with no floors for 3 months since I would n't agree to another new spur of the moment charge to my credit card. After I cursed, screamed and yelled at the store for all of those months I finally met a big boss who said that Home Depot would cover the charges. They also damaged my furniture but gave me money to get it repaired. They did n't do the job the right way and have n't fixed it yet and also due to the extra charge my credit card bill is constantly changing and I ca n't afford it I live alone and I ca n't pay this high monthly bill on my own. 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 2018-01-03
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company FBCS sent me a letter trying to collect a debt that I disputed with another agency in XXXX 2017.  The previous agency has removed the debt from my credit report because they could not validate it. Now FBCS, is trying to collect on that same debt that was obviously sold after validation could not be proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX van. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Collection Agency states that I have an alleged debt with them for a XXXX XXXX Account int he amount of {$1000.00}. I have disputed this alleged debt several times since XX/2016,X/2016,X/2016,X/2016. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. During this validation process, please cease and desist any attempts to collect this alleged debt and remove and or delete any negative marks from all three major credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I WANT TO HAVE THIS MATTER RESOLVED AS SOON AS POSSIBLE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT.

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 2019-09-27
Company: Experian Information Solutions Inc.
State: GA
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:
Experian refuse to remove inaccurate information reporting on my account. The account has not been verified in three years and they refuse to delete the information under the fair credit reporting act 15 U.S.C to disclose all the information and documents in their file  regarding the accounts reporting on my credit. I have spoke with the creditor and have been advised they are not reporting any of the information that is currently on my credit file. I have been dealing with this information for years and they continue to bring harm on my reputation and credit worthiness.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit XXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2019-07-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CitiBank lowered my credit limit after I made a large payment and now I'm not able to pay bills that I would have been able to make under my original credit limit. They only sent me an email the day they decreased my limit. I believe they lowered my credit limit so they could limit my cash back rewards that were part of the card. I have always paid the bill on time or within 30 days of due date.

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 2020-12-17
Company: EQUIFAX, 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 a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation