BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX called XXXX Bank and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. Experian and XXXX keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: DISCOVER BANK
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Quality Asset Recovery LLC
State: NC
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:
I have been contacting Quality Asset Recovery to verify the debts of the said creditor ( XXXX XXXX XXXX ) for several months. I have not received any notification or proof of owed debt.

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 2020-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since 2009 Capital One is saying I owe {$1000.00} in some account number ending in XXXX. The debt is not mine and Capital One can not verify I owe this money. 

I have asked for copies of bills and Capital One can not produce. 

Also Capital One is saying I also owe on some account # ending in XXXX in the amount of {$550.00}. 

I want this off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2020 I was scammed out of more than {$2500.00} at XXXX of XXXX XXXX, a XXXX XXXX XXXX XXXX. I was sold a car care accessory and extended service contract under false pretenses. I tried to cancel both and was told they would, they didnt. When I went back in they tried to change terms of finance agreement, I would only sign if they took of the products I was duped into signing for. I resigned a total of 3 finance agreements. I spoke with General Manager of Dealership on XXXX XXXX and he took money off the price of the car as a compensation for my time and frustration, then today, XX/XX/2020. I get my first correspondence from my auto loan company with a different amount a higher amount and different payment and amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used capital one Earn Credits for Shopping programs and created a shopping trip to XXXX on XX/XX/2020. I do not recall when exactly I created that trip. I made the madewell purchase on XX/XX/XXXX roughly in the morning and assumed that I would receive the 10 % statement balance as promised on the XXXX earn credits for shopping. However, when I went back to capital one offers section after I made the purchase, the madewell button was not there around XXXX in the afternoon. So, i wondered if my madewell purchase would qualify or not, so I called in capital one customer service. First call was terminated probably due to bad signal. Customer service folk from credit offers dept named XXXX answered the call around XXXX. He looked at my account and told me he doesnt know when this madewell offer expires and has no information to know if my purchase from XXXX is qualified for this offer. So I asked, if a capital one specialist doesnt know if my purchase if qualified, how can I know if the system traced/ recorded my purchase right. He said, a customer is supposed to finish the purchase soon after he clicked that offer button and as long as the purchase is done within 24 hours of the offer. I said, I didnt know if the offer expires first or the first click went first. My capital one account does not provide this information and thats why I am calling. Im not supposed to know every websites I clicked and its unreasonable to require a customer to know when he clicked a button. The capital one system does not offer that information and it needs to. He began to argue with me and got very impatient with me. Some of the words he used and his comments were quite insulting. His attitude became very unbearable, and said he needs to hang up on me if I kept talking. I knew that the conversation became heated and it went no where, so I asked what his employee ID is, what his name is, and he said he cant give any of that information to me. In general, I didnt expect to get hammered for asking information I am authorized to know. Capital one please investigate the offers section and this employees problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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:
I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: CO
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:
Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXXXXXX XXXX  and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. Experian and XXXX both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
Experian asked us to file this report and upload it to them.

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 2021-03-03
Company: EQUIFAX, 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:
XXXX XXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX.I have not had financial responsibility on this XXXX XXXX XXXX XXXX XXXX XXXX. XXXX passed away in XXXX of XXXX and now XXXX  XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: NJ
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:
As of XXXX of XXXX I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and XXXX XXXX and still no response I need this DELETED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
m accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX acct # None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: Global Portfolio Recovery, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. XXXX # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted Porfolio on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ...

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10
Company: Google Compare Credit Cards Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Have to create new google play accounts to make an in-app purchase to purchase a app license per 5 devices I use a specific app license on. I activate 5 or more devices on this app every a week. So I'm having to start at least 1 new account every week to pay {$24.00} through an in-app purchase. Google is consistantly blocking me from making payments within in-app payments, even after I submit to them my drivers license and photo copies of my credit cards showing proof that it is myself making the accounts and attempting to make said purchase. I've created 7 or 8 google accounts since end of XXXX ... out of those only one of them allowed me to do this in-app purchase without sending my documents in, and out of the other 6-7 accounts, none of them worked for in-app payments even after submitting documents. You have a multi billion dollar company... Your customer support options XXXX more than someone running a company out of their garage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
Wells Fargo XXXX Both companies agreed to remove off of credit and it remains.

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 2017-12-11
Company: Experian Information Solutions Inc.
State: AZ
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:
Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me ) name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me ) which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ 2,500- {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the BK dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.

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 2019-08-21
Company: WELLS FARGO & COMPANY
State: NC
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:
I contacted Wells Fargo Card Services in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see Wells Fargo Card Services Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost debt.

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 2023-06-20
Company: Carvana Group, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Consumer XXXX XXXX entered into a consumer credit transaction with Carvana, one on XX/XX/2021 and one on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carvana took cash. The finance charge is supposed to include insurance, but Carvana made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Conn's, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I provided my information to Conn 's with the agreement that they would not use this information to perform a hard pull on my credit report. They even advertise on their following link provided below that, " No credit score impact to see your options. '' https : //www.conns.comXXXX I have never requested credit from Conn 's and yet my XXXX credit report has a hard inquiry from Conn 's . I believe that they have fraudulently pulled my credit report, or at the very least, deceived their consumers into believing that providing their information will have no impact on their credit. 

I have attempted to reach Conn 's several times by email. The first attempted of contact was on XX/XX/2020, as soon as I found that my credit had been adversely affected. I have waited over a month, yet they have continued to ignore all of my messages. 

I have no where else to go, I hope that the CFPB may help resolve this issue for me, and presumably other consumers which may have been misled and adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MD
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:
XXXX called XXXX XXXX  and asked why they are reporting an incorrect balance. They agreed with me and told me they would fix it. XXXX and Equifax keep sending me back as of XXXX that the balance on the mortgage balance history is correct but it is still reading {$250000.00} instead of {>= $1,000,000} that I provided proof of and the bank confirmed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief