BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: Diversified Recovery Bureau LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Diversified Recovery BUREAUS continue to call me after they have failed to validate the Debt. Harrased me the first time I never answered again. Rude and disrespectful, ask for personal information to verify debt. In violation of privacy act 1947. I will report to FTC commission. I have not given them permission to call my phone or hold my information that 's identity theft. Absolutely no contract with them .they need to cease and desist. Never call me again. I have given them a few schelude and will file at small class for XXXX per call. I have over 20 calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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:
XXXX XXXX is attempting to collect a debt that is past the statue of limitations for collection. Amount due is also incorrect. XXXX, Equifax and XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. I am demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's. I am also demanding detailed report of accounting. Information provided to me indicates original date of delinquency of XX/XX/2015 which is now over 6 years old and is now time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: UT
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:
I have filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my 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 2023-03-15
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:
Seriously, I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$310.00}

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 2021-03-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent a letter to Experian for method of verification fo accounts on my credit report for which I have documentation that they received this request on XX/XX/XXXX. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that the projected completion date for my request was XX/XX/XXXX. I in return sent them a letter advising for method of verification the response was 15 days and not 30 and to remove the items from my credit report, for which they received this request on XX/XX/XXXX. Experian did not remove the items so i filed a complaint with the CFPB and received complaint document number XXXX. The response from Experian was one that I did not supply them with the information requested, how they assumed that. I do not know, however I wrote and sent each letter of request for which they received. I noticed on my credit reports that Experian continue to state that the Third Party XXXX XXXX verified the accounts to be accurate, so I wrote to XXXX XXXX to receive their method of verification for accurately reporting this account to Experian, for which they did not respond. I again wrote to Experian advising them of this on XX/XX/XXXX for which they received the request to remove the items again on XX/XX/XXXX. On a letter stated from Experian on XX/XX/XXXX they once again stated verified as accurate via XXXX XXXX. On XX/XX/XXXX I prepared a letter to send to XXXX XXXX, however ; I phoned and spoke with XXXX at XXXX XXXX instead, he stated that a letter dated XX/XX/XXXX should have been sent out to me stating those accounts were deleted from my report as per their earlier investigation of the letter they had received from me. They resent this letter and on XX/XX/XXXX I sent a copy of this letter to Experian stating that they immediately delete/remove the accounts from my credit report as per their third party reporting agency these accounts as been deleted as of a result of their investigation. I received a letter from Experian on XX/XX/XXXX stating accounts remains as per XXXX XXXX verified accurate. This is not factual and I believe they did not even view the letter, they just used a computer to erroneously verify this information

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 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the Consumer Credit Protection Act, creditors are required to comply with specific rules regarding the reporting of late payments : 1. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights. 
2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law.

3. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly. 
Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased my car through Audi Financial Services [ AFS ] at the end of my 36 month lease. I followed instructions as provided to me. I mailed a check for {$30000.00} which was cashed and posted to my account on XX/XX/XXXXXXXX. I also provided a {$15.00} check for overnight mail of my title. At the end of XXXX, I contacted a representative at AFS and she said she would mail me the proper paperwork to complete the transaction- the odometer reading with signatures. Although I had updated my mailing address with AFS, they sent it to the my old address- an address I had not lived at for over a year. I had been receiving monthly bills from AFS at my new address for over a year. They put the old address in the odometer paperwork so I then I had to request new paperwork because I was told DMV would not accept it with a new address written-in. In XX/XX/XXXXXXXX, AFS sent me new paperwork to my new address that was different and completely incorrect. I had to contact AFS and point out the err ; they agreed it was a mistake and sent me new paperwork. Once again, the new paperwork was wrong again. Finally, at the end of XXXX the proper paperwork was filed with the odometer reading. On XX/XX/XXXX, AFS told me it would be 2-3 weeks until I received my title in the mail. XXXX weeks passed and I did not receive the title. I contacted them again on XX/XX/XXXX to ask where my title was. They again told me that it would be ANOTHER 2-3 more weeks. I still don't have the title two weeks later. I paid for this car on XXXX XXXX, XXXX. I followed every instruction I was provided promptly and efficiently. As a consumer, this puts me in bad situation. I have spent tens of hours of my time trying to resolve mistakes made by AFS. I have waited months to receive a title I paid for three months ago. I will never do financing through AFS again. Terrible experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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:
I can not use my corporate credit card or my personal credit card and I can not pay my bill for either card because Chase has locked me out of my online accounts, since I got a new computer and new cell phone, They only provide the option on the website and app to call an XXXX number that goes in circles and goes nowhere. There is literally no other option for me to get access to my online accounts. I have emailed them more than 10 times. I have emailed their Executive Office more than 10 times. I have made several of these complaints. I got no response until yesterday I finally got a form email that says they are " investigating. '' I do not benefit from their self involved investigation, I benefit from GIVING ME ACCESS TO MY ACCOUNTS which they refused to respond to my email responses again stating it is illegal to lock me out. I have sent several. 

I am XXXX. Per ada I am again asking for my legal right which is reasonable accommodation which is simply GIVE ME ACCESS ONLINE TO MY ACCOUNTS, NOW. STOP LOCKING ME OUT ILLEGALLY BECAUSE I PURCHASED NEW DEVICES. 

I will be looking to stop using my chase credit cards and moving to another company to use as my main credit cards after this experience, it is not the first or 2nd time they have done something like this this year. A few months ago they refused to apply a {$7000.00} credit card payment I made, again for close to a month, which blocked me from using my credit card and it caused me huge problems and took so much of my time. 

I am asking to just get access to my accounts, this is illegal to refuse me access and I do not understand why Chase does not take this seriously when they seem to take other things seriously and do a great job in the other area I need assistance with, unrelated to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I first received a notice from Wells Fargo in late XX/XX/2021 thanking me for opening an account with them. I called them and they assured me that there was no account in my name and the letter was likely due to user error - I explained that made no sense since I have never banked with Wells Fargo. But since I was assured there was no account, I felt the matter was closed. Today ( XX/XX/2021 ) I received a statement at my home address for a checking account. When I called the customer service number, I got transferred around multiple times. I wanted to know where the account was opened, what associate opened the account, when it was opened, how they verified my information, and how they verified the information to conform with the Patriot Act requirements. All they could provide me was that the account was opened in California and that I could close the account by going to my nearest branchsoooI guess I need to drive 5+ hours to the nearest location a to get this fraudulent account closed - since there are no Wells Fargo banks in my state ( there is a Wells Fargo Mortgage location in my area, but they said they could not assist ). If I do drive to the nearest branch, I wouldnt be the least bit surprised if they tell me to fly to California to close it- but they cant even provide the city that the branch is- so I guess I would have to spend a week or so visiting every branch in California until I found the branch that the account was opened in.This is absolutely ridiculous and frustrating. This bank has scammed people for too long - their ability to participate in the FDIC program should be revoked - that would drive customers away in droves and likely make them take seriously legitimate complaints from people similarly situation as 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 2023-11-06
Company: OneMain Finance Corporation
State: NJ
Product: Credit reporting 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 was looking for a loan to pay off credit card debt. I was very careful about only selecting websites that didn't pull a hard credit inquiry. ( I checked with about XXXX ) I received a call immediately from One main Financial, while I was still on their web page. The guy named XXXX went over some information and stated that he could help me but I had to email him my pay stubs and a copy of my driver 's license to complete the application. I asked if there was a hard inquiry and he stated " no, there is not a hard inquiry until you verify your identity and income. " I said I would have to think it through before I made a decision. Later on that evening I was alerted to a hard inquiry. Upon calling the company, another employee answered my call and said that XXXX was unavailable, he would call me Monday. That guy was nasty to me on the phone. Today, XX/XX/23 I received a call from XXXX. He was also nasty to me on the phone and said that " you should have read the fine print before filling out any information. " Of XXXX companies, they are the only XXXX who advertise no hard credit inquiry but went and did so anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX 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 non-monetary relief
Consumer complaint received 2021-11-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have repeatedly asked American Express to stop marketing credit cards to me. I have also stated that i am not interested in getting advertisements for cards i will not be approved for. I have also stated that i have spent {$1000.00} 's upon {$1000.00} 's repairing my credit. American Express repeatedly violates my rights in regards to this request. I am continuing to receive marketing from them. This time i opened my XXXX profile and i see a credit card solicitation in my inbox. I am seriously only trying to protect my own personal financial well being. I am asking to stop receiving marketing attemtps for cards that i am not going to be approved for. I have made this request through XXXX, I have made this request through XXXX as Opt-Out, I have made my motives and requests very obvious to Amex. I continue to beg American Express to STOP marketing credit cards to me that i will not be approved for and that will bring down my credit score. This continued marketing is violation of my rights and should be noted as part of any further legal action i am advise i could take to stop these misleading advertisements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: OH
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 accordance with the fair credit reporting act this creditor has violated my rights. Under the federal guidelines 15 usc 1681 section 602 state I have a right to privacy. Under 15usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written consent. Under 15 usc Section 166b a creditor may not treat a payment on a credit card account, car payment account under a open end consumer credit plan for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Victim of Identity theft and leaked data. 

Unknown inquiries posted to credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Cash app is misrepresenting their services and are not making the proper changes in a timely manner, I spoke with 4 representatives due to an issue that is solely based on a discrepancy with cash app system I had funds transferred in order to handle my bills and personal matters and they are illegally holding my funds and not allowing me to make the proper transfers to my bank. A representative told me there was no issue on my end and proceeded to lock my account forcing me to a account hold which in these times which in many ways is deceptive and inconsiderate of the. Consumer then seek to bind me to a investigative period when I am told the issue is not on my end and I have matters personally that must be attended to. Cash app should diligently release my funds to me. The funds are rightfully and legally mine.

The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including peer-to-peer payment apps like Cash App. Examples of UDAAP include : Misrepresenting the terms or costs of a financial product or service. 
Charging fees without disclosing them properly or in advance. 
Making unauthorized charges or withdrawals from a user 's account. 
Failing to investigate and correct errors in a timely manner. 
Using harassing or threatening collection tactics. 


Under the Electronic Fund Transfer Act ( EFTA ), financial institutions, including peer-to-peer payment apps like Cash App, are required to process electronic funds transfers promptly and to investigate and correct any errors that are reported by users. The law also sets out specific rules regarding the rights and responsibilities of consumers and financial institutions with regard to electronic funds transfers.

Specifically, the EFTA prohibits financial institutions from : Requiring users to establish an account with a particular institution as a condition of using an electronic funds transfer service. 
Discriminating against users on the basis of their age, race, gender, or other protected characteristics. 
Disclosing information about a user 's electronic funds transfer to anyone other than the user, the user 's financial institution, or other parties authorized by law. 
Illegally withholding funds from a user 's account.

Company response to consumer: Closed with explanation