BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: Genesis FS Card Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the XXXX XXXX XXXXXXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB INDIGO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB INDIGO  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB INDIGO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase bank closed all my credit cards without warning. This will adversly impact my credit score as it lowers my total available by over {$10000.00} making my utilization ( which was already quite good ) go down. There was no warning, I never missed a payment, I always used the card on time. There has been no reason given to me just that they were closed without warning and that I would have to re apply ( taking another hard pull ) while they just gave me this card a week ago, which means I got a hard pull for nothing and have to wait 2 years for it to drop off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Hello, Today i have seen a couple of enquiries on my credit report which i am not aware. The one is from CAPITAL ONE and the other is XXXX. I didn't recognise these enquiries on my account.Because i haven't applied for any of these accounts.There is something happening.I want these enquiries to be removed from my account.Because they are not applied from me. 

The Enquiries happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: FinCo Services Inc DBA Current
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute regarding a charge. The bank did not resolve within 90 days. 

Dispute was resolved on XXXX day after I contacted them twice daily. 

It was not resolved Im my favorite. 

I thought 90 days was max if not a penalty would be applied. 

Current bank disagrees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: ERC
State: LA
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 did not give this company consent to disclose my personal information to the credit bureaus & that is against the law. On the other hand its still a RED FLAG because those amounts should already be paid in full by the credit bureau to the company upon retrieving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: CA
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:
A dispute was filed with XXXX, Equifax and XXXX regarding a Fraudulent Account that was opened in my name. The account and credit card was opened by XXXX XXXX XXXX and listed on my report as delinquent. The account was opened in XX/XX/XXXX and I discovered I had a delinquent account on all 3 credit bureaus in XX/XX/XXXX. I immediately filed disputes and put fraud alerts on my reports. XXXX immediately removed this information from my report. XXXX and Equifax have not removed the fraudulent information. XXXX XXXX XXXX sent me documents with the phone number and email address that the account was opened with. Neither of them are mine. I have filed an identity theft report with the FTC and have filed a Police report with the local department where this was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
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:
On XX/XX/22 I received a notification that a hard inquiry was done without my authorization. The company was 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 2022-08-31
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello there, I got a mail on the date : XX/XX/21 saying that I purchased an insurance policy from XXXX XXXX XXXX XXXX, and saying that I owe them XXXX so I called them and let them know that wasn't me I never had a car at that time. I told them, that someone, fraudulently purchased that insurance under my name, I reported it to the police and I gave them that police report. but still, they are not realising from. that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Motolease, LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We purchased a motorcycle at big boar in Texas for under 14,000. Put down payment down then we never received any information on tag or title. We spoke with a guy about doing a restructuring program named XXXX XXXX On XX/XX/2016. He wanted us to pay XXXX then he would send us details of the new program. That seemed very odd to me. They came and picked up the bike soon after without any notice and we NEVER received anything in the mail from motolease. I have contacted them numerous amounts of times and filed disputes with the credit bureau which they report back negative information every time. They repoed the bike and now are saying we still owe what we would have paid for the bike. If they repoed the bike they need to deduct that amount. I have all the emails that prove all of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 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 XXXXXXXX have 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 an account without my written instructions.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX ) account number 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 customer reporting agency can not furnish an account without my written instructions.

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 2022-08-06
Company: DISCOVER BANK
State: NY
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 was notified by this company that a credit card was opened in my name, and was being mailed to a different address. I asked them to stop the card and close the account, because that was done fraudulent. I also asked that the inquiry be removed from my account. I was told that it could not be. Which is wrong accounting to the credit laws on fraud. I mailed them a letter that was returned. ( Photo enclosed ) I am requesting that this company remove the inquiry asap from my credit report, and send me a letter stating that everything was closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: New Century Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was garnished for a debt by new century and I do n't owe the debt wssnt provided the original debt info and cause embarrassment at my employment for.garnishment and not.knowing about this debt or court to dispute the debt ..I was garnished which cause extreme financial hardship and still ca n't find what this debt was for and I do not owe this money

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 2018-02-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had purchased a couch from XXXX XXXX, called the XXXX XXXX. The couch was riddled with issues, and XXXX XXXX offered full refunds or replacement couches for all customers who have purchased a XXXX XXXX 

The replacement couch process is as follows : the customer is charged the value of a new replacement couch ( a couch of their choosing ) on their original payment method ( in my case XXXX XXXX credit card ). At the time of delivery, the XXXX XXXX  is picked up and a refund is issued to the card in the amount of the original value of the XXXX. I ordered the new couch on XX/XX/XXXX, and the return for the XXXX was issued on XX/XX/XXXX. 

When I checked my last statement, I realized that I was charged interest for the balance on my credit card stemming from the new couch. The only reason this balance was on the card was due to the lengthy processing time it takes XXXX XXXX to refund the XXXX. This is an aggressive business practice because it forces customers to either 1 ) pay the full value of their new couch and then have the refund from the XXXX be applied to a XXXX XXXX credit card which has no balance, essentially coercing the customer to spend the value of a couch at XXXX XXXX in order to get their money back 2 ) pay interest at 27 % on a charge which is only on the account due to their defective product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: MD
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

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 2018-01-10
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For over a year Ive had issues with XXXX XXXX ( which services two of my store cards ) and their system processing my checking account with payments. Ive called the company multiple times, explained the issue, and been asked several times if my account information is correct. After assuring them multiple times that not only is my account information correct, but that I have no issues using it for any other bill payments, the company often has allowed me to use a debit card without paying an extra fee. Last time I called to resolve the issue, the service rep on the other end told me Well, its not late yet and said she couldnt do anything and I should call my bank to see if anything has changed ( it has most definitely not ). Ive now fallen behind on the payment due to the inability to use my checking account information and I am receiving nearly 20 calls a day from their system attempting to get in touch with me about it. Today was the final straw when between XXXX and XXXX I received 13 calls from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.1681. XXXX XXXX ( original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX XXXXXXXX acct : # XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXXXXXX acct : # XX/XX/XXXX, XXXX XXXX acct : # XX/XX/XXXX, XXXX acct : # XX/XX/XXXX, XXXX  acct : # XX/XX/XXXX, XXXX XXXX XXXX XXXX  acct : # XX/XX/XXXX, XXXX XXXX  acct : # XX/XX/XXXX, XXXX XXXX XXXX  acct : # XXXX XXXX, XXXX acct : # XX/XX/XXXX, XXXX XXXX XXXX acct : # XX/XX/XXXX, XXXXXXXX XXXX acct : XXXX, XXXX XXXXXXXX acct : # XXXX XXXX XXXX XXXX XXXX acct : # XXXX. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.

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 2021-07-07
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and fraud in XXXX of 2017. A police report was filed with the XXXX XXXX XXXX Police Department. As a result of this identity theft/fraud, XXXX  XXXX XXXX closed my account and confiscated all the money that I had available in both my checking and savings account. In conclusion, I am asking kindly that this fraudulent information be removed from Early Warning Consumer Report. I am looking to open future bank accounts and these fraudulent and inaccurate information that is being reported on my consumer report is causing me issues. 
Early Warning is the only consumer reporting agency that had not accepted my FTC report and Police report, while XXXX  and the others have already verified that their information was inaccurate and they removed the negative accounts from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans fro m  XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company has been provided my correct information, to include statements, to the credit bureaus that is incorrect concerning late payments in XXXX and XXXX. I have already provided statements and shown that might be a minute Im always been automatically paid. Additionally the late payments were on a weekend ( while I was XXXX and could not change myself ) but should have been corrected by the bank/financial institution . This company has also provided wrong financial information, wrong marital status, wrong middle name, and wrong addresses to these reporting bureaus. I have tried for months to get the situation rectified as they keep telling me that they have done everything they can and are reporting the correct information, yet the reporting bureaus are not! I have cited every applicable law and included them in my disputes with XXXX XXXX, XXXX, XXXX and they are still claiming that this company is holding me XXXX. Furthermore, this account has been paid in full! So why they are choosing to report negatively on me is quite baffling.

Company response to consumer: Closed with non-monetary relief