BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.

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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am facing problem regarding credit Scores, most of the companies unable to pull my credit history. could you please resolve this issue. I have recently updated my SSN with my XXXX  XXXX XXXX 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 2021-10-19
Company: Chime Financial Inc
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone opened a fraudulent account in my name at Chime Bank. 
I tried to call their customer service line to inform them on XXXX XXXX. 
There is no human being who answers any of the options given for the " customer service '' line. 
There is no option to report fraud on the customer service line. 
The only option is to email the bank and inform them. 
I emailed them to cancel any and all accounts in my name on XXXX XXXX. 
They replied to the email and asked for personal information to be emailed back to them. I find this to be monumentally irresponsible to solicit personal information -- especially given that my information was stolen recently -- to be sent via email. 
I asked that they give me a phone number to call so I can provide that information. 
I have had no response from this bank so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CFAM Financial Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They company approach to me at XXXX and took my belong nings after that i request to take out my stuff of the car and they are trying to charge me a XXXX dlls fee, after that they contact me charging me a ver of XXXX dlls

Company response to consumer: Untimely response
Consumer complaint received 2021-05-15
Company: The Stark Collection Agency, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed XXXX to XXXX when covid hit. In spite of govt suspension of utlilities cut off, XXXX cut my cable off and said something about " regulated or unregulated '' Two months after, it cut off the phone which I never used and sent it to Stark collection agency of XXXX WI. Stark started demanding XXXX dols, then eventually split the acct into two, reporting one for XXXX dols and another for XXXX dols. I have told them several times they are violating govt mandates, but they don't care. This month, Stark Collection has created a third acct out of one acct, which caused me to lose over 40 points on my credit. It is reporting two XXXX dols. XXXX brought this to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I prepaid for a months at the extended stay to receive a discount. None of the hotels description matched the actual hotel including website and ratings. upon arrival I was told there were no rooms available and the one would be a XXXX upcharge. I was also asked to come back at XXXX for my room, the front desk closed at XXXX. I was not shown my room before hand I was just given a key. There were no amenities that were advertised included ( pots, pans, kitchen utensils ). The room had bugs, stove did not work and was unsanitary, I stayed two nights and left when I was very concerned for my safety. This included another guest informing me the place was a known XXXX, homeless and XXXX spot. I am a small women traveling alone. When I left I contacted both the hotel and discover several times asking for a full refund due to the money I spent having to wash all my clothes and buy sheets and a blanket. I was denimed. Discover admitted the rooms looked nothing like the website and the whole thing was false advertising and fraudulent but told me that if the extended had a room available, they were allowed to charge me even if I provided proof I had left the hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I took {$4000.00} cash advance on XXXX for one year promotion plan for 3 % interst rate from Capital one credit card. 
They started chaging me interst on XXXX itself. Now they change the plan and only telling me that this was original credit card opening promotion. I got letter for promotion on month of XXXX for next one year promotion. 
They changed me three month heavy interest charges around $ XXXX.During this COVID-19 duration credit card company is looting customer. Also customer service person does not know who these number shows up in statement. 
My info card ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ 2021, I received a notification that First Financial Asset had placed a derogatory account on my credit report. The reported amount was {$110.00}.

This is not my account. If this is indeed my account, First Financial Asset committed the following FDCPA violations : 1. 15 U.S.C. 1692g- Validation of Debt. I never received written or verbal communication about this debt. I was not provided with ( XXXX ) The amount of the debt. ( 2 ) The name of the creditor to whom the debt is owed. ( 3 ) Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid. ( 4 ) Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment. I never received a letter or phone call from this company and I can prove it.

2. 15 U.S.C. 1692d- A debt collector in collecting a debt may not harass, suppress, or abuse any person. The debt collector unlawfully reported the account to my credit report. This is causing me undue stress and agony. My credit score is needed to continue with my employment. 

I am willing to communicate with the debt collector. I can be reached via phone or mail. If they can provide me with proof of the debt and it is actually mine, I will immediately make the payment of {$110.00} in full. 

I fully expect First Financial Asset to IMMEDIATELY remove the negative credit reporting. They have already done significant damage to my credit report due to their illegal and fraudulent actions. Third-party consumer debt collectors are supposed to strictly adhere to the FDCPA and as outlined above, they failed to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! Im requesting that the following information thats appearing on my credit report be removed at this point. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not fu
rnish 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 2017-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
RE : Capital One Auto Loan From XX/XX/XXXX- XX/XX/XXXX.
This loan is paid in full. I have received my title to my XXXX XXXX XXXX.
Through the loan payment process 4 payments are marked LATE. These payments should not be marked late. This impacts my credit score and ability to borrow.
Three times I have contact Capital One Auto Finance regarding this situation. As previously stated to Capital One Auto. I moved 3 times through out a 2 year period ( From XX/XX/XXXX- though XX/XX/XXXX ). Change of addresses was from XXXX, XXXX to XXXX, XXXX to XXXX XXXX, XXXX. Missing mail statements. Also, payments bounced back repeatedly. This was an uncontrollable and unfortunate situation. I could not control the US Postal Service.
Capital One Auto Finance refuses to amend, adjust the multiple late payments that should not have been. Capital One Auto has been paid in full on this loan and also, on a previous auto loan. Capital One needs to give me a letter titles to me and the credit reporting agencies waiving and clearing the 4 late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a form answer from my last request. 

I was scammed in a puppy fraud scheme. I contacted my bank. My bank is a partial owner of the company they hide behind as they say 'XXXX  ' is not responsible. I was told when I signed up for XXXX by Wells Fargo service that the service was like XXXX. If there is an issue with XXXX, there is due diligence, fraud protection, and consumer safety from scams.

I was scammed by fraud in a puppy buying scheme.

Banks are supposed to protect consumers from fraud. It's the law. Yet Wells Fargo who is one of the owners of XXXX sends a form letter saying they are not responsible because the consumer was defrauded and hit the button believing fraud. 

I am more than unhappy. This is not protecting the consumers. It's creating a corporation to hide behind and shirk responsibility. I was a victim of a fraud.

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 2019-07-01
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 i noticed fraudulent accounts on my credit report and challenged them. The accounts were removed by XXXX & XXXX   because evidence supports my accusations. XXXX was the only company to not take my claim serious enough to remove it from my report that's what brings me to this report. I have accounts on my reports that do not belong to me and i'm having to suffer. These fraudulent accounts are hindering my growth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX Amount $ XXXX collections Account # XXXX amount {$430.00} The XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Amount {$220.00}. XXXX collections Account # XXXX Amount {$480.00} has violated my rights. 

15 U.S.C1681 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: National Credit Systems,Inc.
State: HI
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:
XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX claims I owe them {$5100.00} or my account was charged off {$5100.00} They have refused to respond and acknowledge my formal notice sent on XXXX disputing the claim. ( tracking # XXXX ). In that letter I was requesting validation of competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
NATIONAL CREDIT SYSTEMS Failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company, for defamation, negligent enablement of identity fraud, violation of the Fair Credit Collection Practices Act ( including but not limited to section 807-8, and violation of Fair Credit Reporting Act ( including but not limited to Section 623-b ). That letter was an attempt to correct their records. 

Any negative mark found on my credit reports from NATIONAL CREDIT SYSTEMS or and company that they represent, for a debt I DO NOT owe is a violation of FCRA & FDCPA, therefore since they can NOT validate the debt, NATIONAL CREDIT SYSTEMS must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to complain about items not being removed from my credit - I filed disputes with the companies directly and all 3 credit bureaus. I sent a 609 letter on XX/XX/2021 -- and a demand to comply letter on XXXX the items have yet to be removed from my credit due to FCRA this is a violation of my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This email pertains to the inquiry and explanation of case numbers XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/2022 we were informed by mail of an unauthorized transaction of 3 times {$1000.00} on a debit card that we have never asked nor did we receive. The hackers also managed had open an account under our names,. We called the bank immediately and told the agent that the new account was not initiated by neither of us and elucidated and stressed that we have not had a joint debit card for several years.. We requested the bank to close the hacked account account and pleaded to the agent to ask the bank to be more diligent and set up an automatic notification of any activities on our accounts in entirety and avoid further unauthorized transactions. She acknowledge and promised to do that immediately. 
The situation got more daunting 2 days later as we were monitoring our accounts and realized that 3 more fraudulent withdrawals were made from our different accounts to the same XXXX account for a total of {$22000.00} ( {$700000.00} + XXXX + XXXX ). 

. This continuous issues has been beyond stressful and we are so frustrated with the banks lack of due diligence and protection. To further complicate this situation we just received a letter today regarding claim # XXXX that our disputed unauthorized transactions on the debit card was declined. We find this decision insulting and beyond appalling and feel extremely disappointed with the management of our account and the manner it is being conducted. We are expecting for a professional resolution and thorough investigation of this dire issue from Wells Fargo. We clearly know our rights and if need be we would hire legal assistance to help recovering our lost funds which has happened simply due to the bank 's negligence and lack of security protection. 

We have been loyal customers of Wells Fargo bank for more than a decade with average daily deposit of several hundred thousand dollars. 

Please let us know about your due diligence about this matter as soon as your investigation is completed. 
Attached is the the letter of denied rights. ( a total insult ). Basically meaning that we are involved in fraudulent activities, we do not take this lightly. 
Disappointed that the bank has leaked our information. 

Sincerely

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 2017-10-25
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:
So, my complaint is that Equifax is not investigating any of my disputes of public record. I have challenged the accuracy, compliance and reportability of the listing in my credit report. Since XXXX, XXXX I have submitted disputes with Equifax 3 times referencing a public record of my credit report. Each time the results would say the public record was verified from information obtained from local, state and federal courts through a third-party vendor, XXXX. Well, I have had an active freeze with XXXX since XXXX, XXXX, and I have an active Suppression of public records in place. I have reached out to XXXX and they verified the freeze and the suppression. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws, and I provided a copy of this letter to Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating and then selling the information to credit reporting agencies. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Equifax Credit Bureau needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from my credit file. Equifax has not sent any validation documents. I 'm requesting assistance with this issue of them not properly investigating my dispute, per FCRA laws. I want the public record deleted from my credit report.

Company response to consumer: Closed with explanation