BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I received a promotional email from capital one stating if I upgraded from my venture card to venture x card I would receive 75,000 bonus miles if I spent {$4000.00} with the first 3 months of having the card. On either XX/XX/XXXX or XXXX I upgraded to the XXXX XXXX card using the the link provided in the email. I have since spent well over {$4000.00} on the XXXX XXXX card. On XX/XX/XXXX I received a call from a representative of capital one regarding a claim I put in for the above mentioned bonus miles. Because of time restraints I could not speak with the representative at the moment and asked if I could call him back within 10 minutes. Upon returning call and speaking with another representative, I received an email saying my claim would not be honored. I have the email. Nobody from capital wants to see said email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX  and after investigating them the accounts were deleted. I wrote Experian several times regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 


Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Balance {$7500.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Reason : Inaccurate. Out of Date. Incorrect Balance. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Reason : Inaccurate. Out of Date. Incorrect Balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I leased a XXXX  XXXX XXXX for 36 months with American Honda Finance. I made every monthly payment on time, never missed. When turning in the vehicle at the end of the lease I was unknowingly charged a vehicle lease return fee of {$240.00}. 
The vehicle lease return fee was never brought up to me while getting the vehicle with the agent at the dealership. The fee is mentioned in the very very small fine print on the lease agreement. It is barely readable. 
After returning the car we moved from XXXX FL to XXXX FL due to being affected by hurricane Irma. I did not receive any mail from Honda Finance regarding the charge, nor was I aware of any fee assessed. 
Couple of months later I notice my credit report has a charge off from American Honda Finance. They are still marking my account 30 days late. 
I called American Honda Finance to ask them to waive the lease return fee, due to the fact that we made every single monthly payment on time for the amount of the lease payments, and the fee was never brought up at the dealership, it was only mentioned in the very small fine print of the lease agreement. They declined. 
I am writing this dispute to ask that the {$240.00} lease return fee be waived, all late payment marks be removed, the charge off be removed, and the status updated to paid as agreed. 
The return fee is very unnecessary, and misleading which is why they practically have to hide it in the small fine print of the agreement. It has blemished my otherwise perfect credit report, and it is not an accurate indication of how I pay my bills. I am asking the bureau to assist us and monitor the resolution in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
When l checked my XXXX credit report, l noticed that a hard inquiry was reported by CHASE CARD on XX/XX/2018 which l have no idea about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have requested a one main financial loan about 2 years ago, which Monthly installments have been paid on time since the loan was received. One main financial loan has been calling often to request information, even though the loan is being paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Following account listed is not my account. I did not obtain this account nor did I authorize for it to be opened. 

1. Identity Theft CBNA Account Number : XXXX This is not mine.

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 2017-09-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I WAS A VICTIM OF FRAUD I BELIEVE SOMEONE GOT ON TO MY ACCOUNT AND ADDED A XXXX XXXX XXXXXXXX CHECKING ACCOUNT ON MY ACCOUNT WITH XXXX CARD PAYMENTS WERE MADE IN THE AMOUNTS OF {$1700.00} & {$1900.00} THEN THE CREDIT CARD COMPANY CREDITED MY ACCOUNT, BUT WHEN THE BANK TOLD THEM THERE WERE NO FUNDS IN THE ACCOUNT THE CREDIT CARD COMPANY CHARGED MY BACK WITH THE AMOUNTS OF {$1700.00} & {$1900.00} I DID CALL THEM TO EXPLAIN THE PROBLEM BUT THEY REFUSED TO HELP. 
PLEASE HELP ME RESOLVE THIS ISSUE ASAP THANK YOU

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 2021-06-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following accounts was never authorized to report on my credit :. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a copy of my credit report and there is an account with Southwest Credit Systems for a XXXX bill that I haven't had that service in over 7 years and this company is reporting it as though I just had an account therefore Re-ageing an old and I do mean OLD account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Omega RMS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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, Capital One Acc XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I filed a dispute because a merchant continued to debit my Bank of America prepaid debit card. Soon, after filing these disputes, Bank of America pre paid card services froze/closed my account. That created a hardship because that is where the unemployment development department disburses my unemployment income. Now, those funds are inaccessible to me and critical because that is my lifeline for survival.

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 2021-01-30
Company: Experian Information Solutions Inc.
State: OH
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 I am not to be on the paperwork for this loan at all, XXXX XXXX  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with Experian and XXXX. This is against FCRA to alter the charge off date from the original charge off date over a year later.

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 2018-05-07
Company: Ability Recovery Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ability Recovery Associate for {$930.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ability Recovery Associate did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$930.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: EQUIFAX, INC.
State: MI
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:
on XXXX XXXX, My identity was used to purchase a cell phone at a XXXX in XXXX XXXX.I contacted XXXX XXXX XXXX fraud department and they confirmed it was fraud.I did file a police report with my local police department.I have tried many times to dipute this fraud hard inquiry on my equifax credit report and I get the same thing from them.Equifax says in there dispute results '' Inquiries are a factual record of file  access.If you believe this was unauthorized, please contact the creditor '' .I have demanded equifax to do a full dispute investigation and remove the XXXX XXXX XXXX hard inquiry but only to get the same dispute results.Because of this, my fico score is down and have a unauthorized/fraud inquiry on my Equifax report.If this CFPB complaint/dispute does not fix this, My next step is to sue equifax in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name, my credit files, and my integrity all has been compromised by either theft, the dark web, XXXX breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX  {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Dept of EDXXXX XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-18
Company: EQUIFAX, INC.
State: FL
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:
According to your office, effective XX/XX/2023, XXXX XXXX under {$500.00} will no longer be reported to the credit bureaus. I have disputed this item, which is false, and they refuse to remove and simply restart the reported date, extending the XXXX year time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
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:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: PA
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:
Fruad Accounts appearing on credit report XXXX XXXX {$4000.00} XXXX XXXX {$250.00}

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 explanation
Consumer complaint received 2020-05-31
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have ordered checks twice from my bank Ally. Once in XX/XX/XXXX, and once recently in XXXX of XXXX. Both times the checks were sent to a former address, XXXX houses ago. After the first time I raised lots of alarms furious with my financial institution for sending literally blank checked with my routing and account number to a house in which I no longer live. I got " We're sorry, it won't happen again. '' Fast forward 7 months and sure enough it happens again. How can I trust a financial institution with tens of thousands for my money when you can't even send financial paperwork to the correct address? 

I have given this company a second chance and they have failed me. It's time someone with regulatory authority investigate Ally for this flippant disregard for customers ' financial 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 2018-05-07
Company: EQUIFAX, INC.
State: LA
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 looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Collection Information Bureau, 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:
A debt collection agency has incorrectly reported that I owe a debt that I don't owe. I visited XXXX XXXX XXXX in XXXX XXXX, XXXX  in XXXX of XXXX. I have out of state XXXX  XXXX which i informed them of. My insurance should have been billed for my visit there and it wasn't. They sent the account to collections and they subsequently reported the derogatory as doctor 's business bureau on my XXXX  credit report. I would like them to stop reporting this on my credit report and I want it deleted from all XXXX credit bureau files.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with XXXX and Trans Union and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by 60 points. This is a report that I also disputed right away because the debt was originally discharged in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So i have cash app which is owned by square inc now i have had multiple direct deposits from my XXXX XXXX   unemploymemt i was supposed to recieve my retroactive unemployment the direct deposits are now 6 days late from when they were realeased by the XXXX ive tried to contact square and they just give me the run around i need help in recovering my funds

Company response to consumer: Closed with explanation