BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is wrongfully reporting a credit card debt as current and late, when the debt has been charged-off and paid in full via settlement via XXXX XXXX XXXX a 3rd party collection agency by which I was promised that the debt would be deleted, thereby damaging my credit report on all three bureaus with inconsistent information and duplicate reporting. On the one hand this debt charged off on or about XX/XX/XXXX and forward to XXXX XXXX of which they began to report the debt as a collection debt. On the other hand the though the debt was charged off and sold to a collection agency the credit union continued to report the debt as open and late continuously for more than three ( 3 ) years. Upon my best efforts to reach out the credit union to update reporting and/or settle debt I was told that the debt was sold and off their books and that I should just dispute the incorrect reporting and/or settle discuss settlement with XXXX XXXX. On or about XX/XX/XXXX I began to review my report in an effort to clean up my report because to my dismay I was being turned down for many job opportunities for my credit. In good faith I borrowed funds to begin paying of old debt in hopes of clearing my credit so that I take advantage of potential missed jobs. On or about XX/XX/XXXX I reached out to XXXX to settle two accounts a credit card with acct # XXXX XXXX {$980.00} ) and charge off auto loan with acct # XXXX ( {$10000.00} ) both of which were charged off accounts of XXXX XXXX XXXX. Though both debts were being incorrectly reported with three line items creating triple reporting for the same debt as follows : ( 1 ) open collections with XXXX XXXX, ( 2 )  Open Collections +XXXX days late and ( 3 ) charge off ( XXXX ) with XXXX XXXX, I was told in order for the debts to be deleted and my report to be updated correctly I would have to pay the entire amount owed plus interest and that they would then inform the credit union directly. As of XX/XX/XXXX all debts have been paid to XXXX XXXX  and to this day XX/XX/XXXX the credit card debt ( {$980.00} ) charge off still remains on my credit report and is being reported current late and charge off by the credit union. Being that this incorrect report has been going on by the credit union for more than three years and the debts has been paid in full I would humbly request that both line items ( 1 ) the charge off debt and ( 2 ) the current 120 days late be permanently removed completely from credit file.

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 2020-11-03
Company: Bridgecrest Acceptance Corporation
State: WA
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 company is reporting that I owe money to them. I have tried to fix this issue with them MANY TIMES and they decline to verify my debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX we purchased a XXXX XXXX fuel cell vehicle from our local dealership. The vehicle takes hydrogen fuel. During the purchasing process I inquired about availability of hydrogen fuel and was told ( quote ), " There are three stations in the area and two more will be opening by the end of XXXX. Getting hydrogen is not a problem. Its just like going to get regular gas in any other car ... '' ( end quote ). 
Well, this is simply not true. I decided to track the three fueling stations in my area. In a one year period ( XX/XX/XXXX to XX/XX/XXXX ) the fueling stations have been down, for various reasons, for a total of 235 days! That's almost a full year of unavailability! 
During this time I have only been able to use my XXXX, which is my only vehicle, a total of 8 months! That means it has been sitting in my garage, unable to use, for 4 months! And now, in XXXX of XXXX, all fueling stations have been down a total of 16 days. In just one month! 
So, I have a car I can not drive but I am paying a car payment on. 
I contacted XXXX on multiple occasions. They have offered to pay for a rental, but there are NO rentals available because the XXXX owners have rented all of them out. So, I have no transportation to get to a brand new job ( I was out of work for 6 months while still making my car payments ), no way of refueling my vehicle, and the only option is to get a rental and pay for it out of my own pocket ( which I can't do since I have been unemployed ). 
Toyota Financial Services will not offer any payment relief, even though this is not my issue nor am I the cause of the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: MS
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 account was never MY ACCOUNT. 

My attorney wanted me to file a dispute and add this PDF so there was a record so that we can get equifax in court here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
On XX/XX/XXXX I received a email from capita lone that my online service information was updated which I did not do. On XX/XX/XXXX XXXX was taken out my personal bank account and transfer to XXXX XXXX. XX/XX/XXXX XXXX was transfer to XXXX XXXX On XX/XX/XXXX a company XXXX XXXX XXXX XXXX XXXX  charge XXXX on my credit card and on XX/XX/XXXX the same company XXXX XXXX XXXX XXXX XXXX  charge XXXX. My personal bank account funds was return on XX/XX/XXXX in the amount of XXXX. However capita one credit card department will not reverse the charges. 
I have had multiple credit card mail to my resident under names I have not assign as authorize users.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed account information with current creditor as credit report directly conflicts information recently reported by the original creditor, as of XX/XX/2020. Current creditor insists the verification process is thorough and accurate. However, the difference between the two amounts reported is several XXXX dollars, and the order of error magnitude is twice whats reported by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Over draft one a many times and did not give full amout.

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 2020-11-03
Company: EQUIFAX, 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:
I pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.

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 2020-11-03
Company: Skrill USA, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a customer of skrill for at least a year. I called them many times in the month of XXXX asking for the transaction limits policies. Every time I called their assured me the limits were {$500000.00} to deposit and withdrawals. After confirming this transaction limits policies three times, I decided to transfer {$97000.00}. Once my money was in skrill I started having problems ( XX/XX/XXXX ). They said I can only send money to another skrill account up to {$20000.00} every three months which I send to another skrill account the money, leaving me with a balance of {$77000.00}. They also said I can only withdraw {$15000.00} every three months, however, I cant no even withdraw the {$15000.00}. Skrill has put a restriction on my account for no reason for withdrawals. They asked me to provide them with all my information such as bank statements, social security card, passport, driver license. They said the " case '' was escalated, however, every time I called they said to wait. I have been waiting and waiting and no answer. They said a manager will contact me, however, nobody has contacted me yet. They always said due to the high volume of cases, managers are backed up, so I have to wait. I am afraid they are just going to keep the money. I read many reviews online which states skrill tends to keep the money. I need help. I can not lose this money. I can not afford to lose {$77000.00}. Please help. One of the reasons I decided to do business with skrill is because they stated " Skrill USA Inc. is registered with XXXX and holds licenses in various U.S. states. '' I CAN NOT WITHDRAW MY MONEY. THEY ARE HOLDING MY MONEY HOSTAGE. PLEASE HELP. I JUST WANT MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Thaxton Investment Corporation
State: TN
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:
The account from Heights Finance listed, was charged off in XXXX of 2018. On my XXXX  report it shows the charge off amount was {$2400.00}, but it continues to go up every month and shows at this moment an amount of {$4000.00} owed, this should not be happening due to the account being charged off. On my XXXX  report it shows the charge off amount of {$3400.00}, it also continues to go up every month and shows an amount owed of {$4000.00}, this should not be happening due to the account being charged off. On my XXXX  report it shows the charge off amount was {$3400.00}, it also continues to go up every month and shows at this moment an amount owed of {$4000.00}. I need this resolved immediately, as it is hurting my credit rating significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been getting charged for a card security program greater than 10 % of the entire balance charged. I never authorized this optional program. I told the representative months back when I called to remove me, now when I call back the representative says I had to call within 90 days. The salesman at Discoint Tire tried to deceptively add warranties I didnt want and now I got this program added somehow. Very disappointed by this experience, feel very abused by Synchrony.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
Failure to XXXX, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following items within the time set forth by law. 

Capital One Bank Usa XXXX Open Date XX/XX/2017 Capital One Bank Usa XXXX Open Date XX/XX/2017 Balance {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the Chase is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX  responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/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 2021-12-01
Company: AMERICAN EXPRESS COMPANY
State: AR
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Grain Technology, 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: Account information incorrect

Complaint:
Grain technology has incorrect information on my XXXX report and failed to provide any update since XXXX XXXX. Im asking this account to be removed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2022-04-18
Company: CARD Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I was arrested XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All my clothes, hygiene, dog, wallet ( with my Card com card, my XXXX XXXX  card, my XXXX Card, my XXXX  DL, and cash ), laptop, etc. were all in the room XXXX XXXX XXXX. I was incarcerated at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at XXXX XXXX when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX XXXX, XXXX. Since I was incarcerated, with NO access to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on XXXX separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
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 did not give these companies writing consent for this reason! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation