BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: CITIBANK, N.A.
State: AL
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 received a credit card from Home Depot and called Home Depot and informed them that I didnt not apply for a card from them. The representative said that they would closed the acct. When I received my free annual credit account, I noticed that an hard inquiry that I did not authorize on my credit account from XXXX  XXXX. I called XXXX XXXX and informed them of the unauthorized inquiry. They informed me that they did not approve the card. I will be completing a police report today. I called each of the credit bureaus and requested an alert and freeze be placed on my accounts. The hard copies were placed on XX/XX/2019 and I received the Home Depot card on XX/XX/2019.

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 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was frauded I am a Bank of America customer since XXXX and the one time its needed most BOA is not helping. I got a text on XX/XX/XXXX about a suspicious charge that was going to my account and I had to respond yes or no. As this was not me I responded No and I then went to call the bank. Of course it was a long hold and I opted for a call back and not but 2 minutes later I get a phone call from 1-800 BOA number. I was told the name of the person and they were a BOA representative and someone was trying to use my card at multiple places and I needed to move my money to a separate account. Which I believed and did as instructed and I found out later that this was an ongoing scam that BOA is aware of. I called that day to file claim talked to the most rude person I ever talked to with no sympathy as I am in tears freaking out. Well it was XXXX XXXX weekend so I have to wait till Tuesday to call Bank because of XXXX XXXX holiday and when I call they have the claims and they tell me I have to wait the 10 business days for temporary credit or resolution. Well today XX/XX/XXXX is the 10th business day and I wake up and no credit. I call BOA and they tell me basically sorry you sent the money and we did as instructed and we can not do anything but ask them to give money back. REALLY this is what I get when I am told don't worry we have your back and we will take care of you and that is what we are insured for and now I am without my money and because they decided that its my fault when their number is not secure and is calling their customers and able to fraud us! How is BOA such a huge bank able to be breached and leaving us with no help.

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 2019-10-07
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
sent to equifax, XXXX  and XXXX  they all taken more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXX 's XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX  balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on XXXX different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )

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 2017-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX I paid off my balance in full, and to date have not made any additional charges to the account. In XXXX I received a bill for {$9.00}, which I again paid in full after calling and confirming the amount. In XX/XX/XXXX I received another bill for {$1.00}. On XX/XX/XXXX I called an asked why there was an amount due they said it was additional interest on the average daily balance on the interest I had already paid. I asked to have the {$1.00} waived and they said they could not waive it. I asked to speak to a manager and the manager said that not only did I need to pay the {$1.00}, but their would be additional interest that was due on the {$1.00}, that I would also need to pay. At this rate I will never completely pay off this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: PA
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:
There was a previous company which reported XXXX XXXX on my credit report.. It was proven that the account was not mine, and was removed off of my credit report. Another company is now reporting the same account that was previously proven to not be mine, and Experian refuses to do their job properly and remove it. This account was removed the first time, and now that another company is reporting it how can it be verified as accurate.. I have nothing but problems with Experian doing their job

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 2019-10-07
Company: LEXISNEXIS
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Contacted lexus nexus about a reoprt that was given to XXXX XXXX and then contacted about the wrong the wrong info submitted. They also went against the federal DOT laws put down by the FSCSMA for commercal drivers to correct the problem along with with noot providing the consumer with the reports given out that individual provided to an insurance company along with not providing the consuner after verifying that person as so anlong with by there there own procedures and the rights of the individual for a copy of said reports. Formal request ade to lexus nexus of all reports given to be sent to individual ( recodered and company was notified in orcdance to statues and laws followedas heard in recordings of phone calls and non willingness to follow consumer rights to provide such info ) has lead me to this course of action. Lexus nexus that reports DMV records has not reported the corect info and also has not only caused significant increase in insurance costs due to improper reporting even by there own admission they continue to dereguard federal FMCSA and individual rights. This company needs to be investigated in false reporting and activtivley violating FMSCA rules and regulations for commercial trucking industries. The abuse of power and the fact they can violate federal laws put down by the FMCSA needs to be investigated and set right. They should not nor be tolerated to interfere with federal law and cost of higher pricers to the comercial driver and the inteterferiance of commence as put forth by the FMCSA and the laws put down by the federal goverment. This problem needs to be addressed and our rights as individuals need to be protected even if we drive the big rigs. We are not cash cows. We work long hours and do not deserve higher rates due to improper reports and disregard to federal regulations put forth by the FMCSA. Recordings avalible of conversation upon request. Yes company was notified about recordings about conversation being recrded to agent and that we were being recroded adout the call being recorded for training purposes. This means both parties have recrdings. My question is can a reporting company get away with false reports just to rip off the customers and when they are confronted they are still allowed to get away with it? Lexus nexus makes us jump through hoops however they seem ( and get away with reporting true motor vehicle reports ) and nothing is done even with there own rules and guide lines. Time for you all to step up to the plate. What lexus nexus is reporting to the insurance company 's needs to better regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
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: Account information incorrect

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Transunion Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX- XXXX XXXX- Inquiry from XX/XX/XXXX Merchants XXXX Inquiry from XX/XX/XXXX Merchants XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Usa Inquiry from XX/XX/XXXX XXXX , XXXX Inquiry from 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 2019-02-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2019 in the amount of {$170.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$170.00}. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization.

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 2019-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear XXXX XXXX Managing Vice President I disagree with the results of the Fraud investigation assessment that was sent XX/XX/XXXX. I previously notified you that Im a victim of identity theft and requested that you remove all fraudulent charges from my account and close the account. I am a victim of identity theft, due to your XX/XX/XXXX website Security breach. I am writing to dispute the following fraudulent charges on my account. I first notified Cap One XX/XX/XXXX of suspicious activity to your fraud agents, who stated the System issued a new duplicate card automatically ( card valid till XX/XX/XXXX ). I objected to replacement card being sent, but told it was already sent USPS, no signature needed. I complied to report Fraud on XX/XX/XXXX. Then XX/XX/XXXX I received email ( attached ) that fraudulent activity was declined for {$3400.00} against account, I immediately called Cap One was told a second charge was being was paid on Card # XXXX for {$2000.00} ( XXXX XXXX ) while I was waiting speaking to agent. I did not make these charges and I have. I request that you remove all fraudulent charges and any related fees from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information to credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and your own emails and phone records supporting my position. I spoke to Frauds manager ( Refused to state her name requested ) who claimed to be final decision maker. Please investigate this attached data and send me a written explanation and judgment of your findings. 

Sincerely, XXXX XXXX XXXX Enclosures : Fraud determination FTC Identity Theft Report Email chains from Capital One XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-12
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: Problem with personal statement of dispute

Complaint:
I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over XXXX XXXX XXXX. XXXX closed they business in XX/XX/2010 and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Experian Unauthorized Inquiries : 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

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 2018-08-12
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My husband and I had located a Certified Pre-Owned vehicle of interest through internet searches at XXXX XXXX. Since we live 5 hours away from this dealership, we were communicating with XXXX XXXX and XXXX through email and phone calls to further qualify our interest and the condition of the vehicle. We had numerous phone calls, emails, texts with XXXX over a 2 week period. On Monday, XX/XX/XXXX, we told XXXX that we would make the trip to look at the car that Saturday, XX/XX/XXXX. We asked if we could place a deposit on the vehicle so that they would hold it until we got there. She said no, that the manager would not allow it since it was the end of the month. XXXX called us on Wednesday, XX/XX/XXXX to inform us the vehicle was still there. She sent us some additional pictures, paperwork for credit applications and a credit card authorization form to obtain a deposit. She said it was to minimize our time in the dealership since we'd be traveling such a distance to get there. We submitted the completed paperwork on XX/XX/XXXX. That day, my husband 's credit score was pulled twice. Then on Saturday, XX/XX/XXXX, both of our credit scores were pulled two additional times each, for a total of 6 inquiries in two days. This was especially surprising since XXXX was aware we had an established, perfect payment history with XXXX XXXX from a different vehicle purchase earlier this year. During our multiple conversations with XXXX over the two weeks prior, we had expressed our interest in financing through XXXX XXXX with this purchase as well. Therefore, negating the need for any credit pulls whatsoever, as XXXX XXXX can approve a credit application without a credit inquiry. 

When we arrived at the dealership, not only were we upset at the unnecessary credit inquiries, we also found the car to be in unsatisfactory condition. This was advertised as a Certified Pre-Owned vehicle, yet 3 of the 4 tires needed to be replaced. One had a plug in it, and two more were at the wear bar. We were told by XXXX that there was nothing to be done since the service department had already closed. There were also very deep scratches inside the vehicle in the backseat. None of these significant details were provided to us in any of the prior conversations we had with XXXX, nor did any of her pictures portray this damage. Given our extensive research on this specific vehicle, time spent with XXXX during the two weeks prior AND the fact that we had made the appointment 5 days in advance, we were disgusted. No one from XXXX XXXX has contacted us since this incident occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: PARSON BISHOP SERVICES, INC
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: Information belongs to someone else

Complaint:
Recieved an alert for a collection I have no knowledge of or what it is in regards to by PARSON BISHOP SERVICES has flagged your account as Collections on XX/XX/2021Was never informed on what or with who this is concerning.

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 2019-10-07
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | Consumer Portfolio S | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Coastal Credit, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 | Coastal Credit LLC | XX/XX/18 |

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion is reporting data on my credit report that is simply not true, I have been a victim of id theft thanks to a data breach by another major credit bureau, XXXX is also reporting data that is false

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