BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2021, I received an invitation from American Express to apply for the Business Platinum Card. I applied and was APPROVED for the card, Ref : XXXX. American Express always sends approved premium cards overnight however, I still didn't receive my card, it's not even showing up in the system. I called them at XXXX XXXX XXXX XXXX manytimes and all I get is ; we're working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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:
experian you are reporting an alleged account that is not owned by who you are reporting I have request many times that you remove this account enclosed is the evidence that you are maniplating consumer credit reporting seems you have been doing this a lot which violates the FCRA, your credit reporting needs investigated you are reporting this on your experian credit report dated XX/XX/2019 remove this violation of reporting at once. PLEASE DONT SEND YOUR TEMPLET LETTER THATS GETTING OLD ANSWER THE DISPUTE

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 2019-09-26
Company: Paypal Holdings, Inc
State: CT
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. I was making a transfer from XXXX XXXX XXXX  to my XXXX XXXX account.I made a mistake and touch PayPal icon instead chase so the money went to PayPal, I reach out to PayPal many times to reimburse me and they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10
Company: Optima Recovery Services LLC.
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:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

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 2023-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances. 
I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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: Account information incorrect

Complaint:
This account has two different account numbers. XXXX - XXXX Experian - XXXX. This isn't the only inaccurate or inconsistent as well as violations information on this 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 2023-01-20
Company: Bread Financial Holdings, Inc.
State: OH
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:
On XX/XX/XXXX I received an experience credit monitoring email and a XXXX XXXX credit monitoring email that a change was made to my report. I was sitting at home, on a Saturday XXXX watching tv. So I opened the emails and investigated what had changed to my credit report. Someone used my name, social security number and information to try and open a credit card by Comenity/Ulta XXXX, address XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX I researched the address and name and found out it was an Ulta credit card that someone tried to apply for. The change in my report was due to a hard inquiry which in turn dropped my score and the information provided by XXXX stated the inquiry would remain on my credit file until XXXX of XXXX. I did not attempt to open this account and did not shop at Ulta online or in store on XX/XX/XXXX and would like this inquiry removed from my credit. I have opened a fraud alert across all of my credit accounts and require to see an ID when anyone performs a credit check on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: TN
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:
45 days ago, on the XXXX of XXXX I sent in some letters asking for the procedure in which some incorrect items were verified on my credit report, and I have yet to get a response. I feel like I'm being taken advantage of and will file for litigation if I have to. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I initiated a dispute with XXXXn because they inaccurately reported a balances on 2 of my capital one accounts. The balance on 1 account was - {$220.00} ( credit balance ) and XXXX  and XXXX  reported the balance of {$590.00} with a {$800.00} credit limit. On the second account transunion reported as balance of {$950.00} with a limit of {$1000.00}, the correct balance is {$53.00} with a limit of {$1000.00}. Per my statement and confirmation w/ capital one that balance was never reported to any credit bureau. I have attached both statements and the credit report to tis complaint. 

I am not sure of who is responsible for this error but I have been contacting Capital one and dealing with credit balances and payment inaccuracies since XX/XX/2021 with CAPITAL ONE. I pay my balances every month. I am tired of being screwed by creditors and CB 's with no one correcting or accepting accountability sand im concerned about why the CFPB is continuously allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-12-20
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I want my money returned to me. The bank employees would not help me find out what happened to it. The only thing that could have happened is they stole it. I have been totally abused by the bank and their workers. Everyone just kept saying they did not know what happened. I was even told to forget getting any money back because the president forgave the bank its wrong doing. Help me please it put me into extreme poverty and l ca n't get back my living in a well status. I am XXXX legally XXXX have no car and need my money back.

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 2021-04-18
Company: AES/PHEAA
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:
on both XX/XX/2021 and XX/XX/2021, I sent dispute letters to all three credit bureaus for the accounts on the letters attached to this complaint. 

I then followed up with a demand and comply. 

Lastly, I sent settlement letters for the violations on behalf of each credit bureau. 

I have yet to get any responses with results or notice of inaccuracies with my disputes. 

All letters are attached to this complaint. 

this is also a follow up to complaints XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Between XXXX and XXXX on Monday, XX/XX/2022 I got push notifications that my Capital One Cash Rewards Card was being used at a local XXXX. I had been at work since XXXX with my other coworkers. I called Capital Ones fraud department as soon as the notifications started rolling in to prevent any more charges from going through. While I was on the phone, I reached into my bag to discover that the card was in my possession. Yet, the credit card company claimed that my card was being physically inserted via chip. I told them that is not possible because I was at work, working, not shopping. They locked the card and began the process to send me a new one. As soon as I hung up the phone with the fraud department, I got notifications that my other Capital One credit card was also being physically presented at XXXX and the charge was denied because my credit line wasnt high enough. I called fraud again, and had the same conversation with someone else except this card was locked away in a box in my home. It was still there when I got home to check. Now, since I was in possession of the first card at the time of the purchases, Capital One is claiming there is no evidence that I wasnt the one who made the purchases. They did not request any evidence from me, but I filed a police report, my coworkers were with me this entire time, and I clearly havent physically used the first card in at least a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: DISCOVER BANK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am a client of Discover Credit Card for a few years, and have always paid my card on time. I received an invitation to apply for a Personal loan or Debt Consolidation loan.

I called a few times to ask questions of 2 reps to make sure the credit was dinked but it was a soft credit pull.

They both said yes, and I could just proceed to see if I was approved, the mininimum credit score was XXXX I was given, and have a copy of it, and minimum income like XXXX. 
I didn ; t realize they use 5 credit bureaus and not the traditional 3 I was told I had Collection on my report, which I DO NOT and keep in mind no credit bureaus are to report past 7 years for any debt if negative.

I am attaching the Letter I sent to discover and also their information to me.

I have sent request to the additional bureaus to send me what is on my report that is incorrect.

My questions for Discover : 1 ) Why was I turned down when I had a required credit score?

2 ) Why am I being turned down with balance too high on revolving accounts when the loan you offer is to remedy that???

3 ) Did Credit scores requirements change with Covid?

4 ) ARe you discriminating against me as I am XXXX? 
5 ) why do you use obscure credit bureaus that the Average person doesn't normally use?

6 ) Why are you baiting good customers like me when you don't approve it?

Please see attached and let me know what they can do to offer an approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been a Wells Fargo customer for over 25 years. I have had both checking and savings accounts and credit cards opened in my name without my application and without my knowledge. I have contacted Wells Fargo a couple of times to have the accounts closed and canceled from my history, but I can still see the accounts when banking online, and occasionally I even get statements from them. Im not sure how or why Wells Fargo thinks they can open up accounts in peoples name without their knowledge or permission.

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 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase XX/XX/2022 of {$7.00} with XXXX using my Capital One card. The same day I paid this balance along with 3 other charges that totaled {$70.00}. The charge didnt post to Capital One until XX/XX/2022. Because the charge posted after I had submitted a payment, the balance of what I owe still includes the {$7.00}. I was on the phone for 1.5 hours trying to resolve this system discrepancy and do not believe in good faith I should be required to pay this charge again. The folks at Capital One were very kind and helpful but did not do anything to clear the charge that had been paid ahead of posting!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ASSOC CREDIT SERVICES XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$800.00} I HAVE NO KNOWLEDGE OF THIS DEBT. ANY ACCOUNT ( s ) OPENED IN MY NAME IS A RESULT OF IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: MS
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 had tried to get items removed because of wrong addresses name misspelled, names I never used they updated them and still wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: KS
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:
My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX  XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Date opened which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX High Balance {$5800.00} {$0.00} {$5400.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

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: BBVA FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I applied with BBVA Compass for a checking account. There was a promotion involved that if I direct deposited {$300.00} or more into the account within 60 days I would receive a {$200.00} bonus. The bonus was due to be paid within 60 days of the account being opened. I opened the account in the beginning of XX/XX/XXXXand a {$300.00} direct deposit from my employer was posted on XX/XX/XXXX. It's been almost 90 days since the direct deposit came through and over 90 from when the account was opened. I contacted BBVA twice after the 60 days was up and they said I would receive a call in 3-4 business days each time. I was told my account met all the requirements for the bonus, but I have not yet received the bonus or any follow up phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26
Company: Credit Plus 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:
There are innacurate fraudulent accounts reporting on credit plus that are not on my credit reports at all with XXXX XXXX and XXXX. 

I am a victim of identity theft and I have an attorney involved as well. These items need to be removed from the credit plus credit report because this is a third party and all three credit bureaus stated to me on the phone that they do not directly report any items to them to report on behalf of me. And this is a violation of the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mail a certified signature letter on XX/XX/XXXX regarding Santander Consumer to alleged validate the debt I owe, request a Auction Sale Receipt and XXXX. Santander received it on XX/XX/XXXX sign by XXXX XXXX. You clearly stated you received a letter on XXXX XXXX. Which is incorrect and misleading. The return receipt, a copy of which I enclosed, was signed on ( XX/XX/XXXX ) by XXXX XXXX. So how did you receive a dispute letter on XX/XX/XXXX when I have proof of it being sign on XX/XX/XXXX by XXXX XXXX? You stated you took repossession of the vehicle at on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX where I live. So how is mail going to XXXX XXXX XXXX XXXX XXXX, GA XXXX?, when clearly thats not where I lived nor never live. Georgia Code Section 10-1-36, The lender must notify you of your rights to redeem the car within 10 days of repossession which Santander Consumer USA failed to do. Never send anything certified mail of date, time and location of sale to my address at XXXX XXXX XXXX XXXX XXXX, GA XXXX where the repossession took place. Santander Consumer USA failed to send required notices, follow certain GA rules so my attorneys will be sueing company for damages. More than thirty days have passed, and I have not yet received proof that you have validated the debt, or send original copy of Auction Sale Receipt and XXXX. Please be advised that by law your company is required to respond to my request within 30 days. Today is XX/XX/XXXX and havent received a validation of the debt you say I owe, Auction Sale Receipt and XXXX. Your company has failed to follow such guidelines and is in violation of the Fair Credit Reporting Act and may be reported and investigated under these circumstances. Therefore, in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, inaccurate can not be reported to any credit bureau , I request that you immediately delete this information from my credit report on XXXX , XXXX   and XXXX .

Company response to consumer: Closed with explanation