BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I used to be able to log in to my account on XXXX and see the current transactions, download statements, etc. But starting a few weeks ago, I can no longer log in. When I enter my login ID and password, it says " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' I called their 1-888 number on XX/XX/2022. The lady on the phone told me she reset my account and that I should be able to use " Forgot password '' to reset my password, or create a new online account after 1 hour. I tried both methods after an hour, but they still gave me the same error message. I called their 1-888 number again on XX/XX/2022. The person told me he created a ticket ( Case ID : XXXX. Operator ID : XXXX ) and that I should be able to reset my password in 5 days. It has been 5 days, yet I still receive the same error message ( " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at 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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2021-09-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I've emailed and called LexisNexis several times about the accuracy of the bankruptcy on my credit profile and it still has not been corrected. I contacted them on XX/XX/2016, XXXX, XXXX, and XX/XX/XXXX, XXXX, and numerous other times. I have provided them with all my ID and other personal information numerous times through email and mail and nothing has changed. This is the company below. LexisNexis Risk Solutions Consumer  Center XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX, my Experian XXXX score dropped XXXX points. Nothing had changed except that I had filed a dispute against a lender for reporting over 90 days of missed payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My chapter XXXX bankruptcy was filed on XX/XX/XXXX, so this company should not have reported missed payments during bankruptcy. Experian did not take the time to compare its own data. After the dispute, the lender removed the missed payments, but reported that my bankruptcy occurred in XXXX of XXXX instead of XXXX of XXXX. This recent delinquency dropped my XXXX score by XXXX points. I am in the middle of negotiations for obtaining a mortgage, and this incorrect reporting could ruin my chances. Experian did not compare its own data before dropping my credit score. Additionally, Experian uses potentially missed payments as an excuse to drop scores. A couple of my previous lenders reported the XX/XX/XXXX Chapter XXXX bankruptcy, and Experian is counting each of those as a potentially missed payments. This is lowering my score. The report already includes the public record of my bankruptcy, why should each creditor get to lower my score even more?

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 2023-01-24
Company: CBC Companies, Inc.
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: Reporting company used your report improperly

Complaint:
I noticed multiple problems with the following accounts that are included with my dispute. 
I'm attaching my letters with my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I keep getting unwanted credit card offers in the mail for my deceased husband. My husband died in XXXX XXXX XXXX, I have contacted Capital One numerous times and they will not stop sending mail to me in my late husbands name. I have moved twice since my husband died, one of those moves was out of state and they keep sending me offers to my new address. Repeatedly. I moved again four months ago and they found me. I have received three separate offers in my deceased husband name in the last three weeks alone. I have asked them more times than I can count to please stop sending mail addressed to my late husband at my address. I have called, returned the offers with the verbiage ( deceased - return to sender on it ) and written letters asking them to cease. They will not stop. I believe I filed a complaint with either you or the FCC back in XXXX requesting help to compel them to stop. It worked for a year, now they are back at it. Please help stop this harassment. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one Authorize some one to get a credit card under there name on my account. With out me knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
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 have been trying since XXXX of XXXX  to get a title on our vehicle after moving from XXXX  to XXXX. XXXX  requires a physical title to get the car registered and we filed all the correct paperwork with the MVA who sent a letter to Kia Financial Services in XX/XX/2021 to request a physical title after Kia Financial Services sent an electronic title. Kia Financial Services refused to send a physical title and did nothing for two months. After blaming XXXX  MVA for doing paperwork wrong, we were eventually told that Kia did not send the correct paperwork. At this point, we have paid off the vehicle and should be able to request a title. The vehicle has been paid off since XX/XX/XXXXand yet Kia Financial Services still will not send a title to XXXX  or even us. It has been two weeks with Kia refusing to send us any paperwork, documentation or record and they can only claim that they are working on it and to call back in seven days. This is unacceptable to hold our title hostage for nearly six months without any record or documentation that we can show XXXX  so we can register or use our vehicle properly. The supervisor at Kia is rude and changes his name and refuses to give us a last name. They continue to dodge questions or give us any meaningful solution.

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 2018-10-14
Company: EQUIFAX, INC.
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:
These Inquiries are on authorized and I would like them removed. They are preventing me from applying for credit and are currently damaging my credit. 

XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX  XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RESOURCE MANAGE # XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ) and ( FDCPA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute needs to be validated by a proof of claim or contract.I am requesting the verification to follow reasonable procedures to Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XXXX XXXX XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I submitted all the required information and proper legal identification regarding my personal name and my current and existing address to XXXX and XXXX as well as Equifax, and all 3 bureaus refuse to update my personal information, since certain collections are either linked to aliases or phony addresses. 

All the bureaus refuse to acknowledge my request disregarding the proof submitted and none have the same reporting information or credit score to match with one another.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, around XXXX XXXX, I received 3 phone calls from the Chase Bank Southwest Premier Customer Service number : XXXX. I did not pick up the first two times they called, as I did not recognize the number. After the third call, I thought it may be an emergency, so finally I picked up. The person on the other side was a male voice, who said he was from Chase Fraud services calling me to verify if I had made two recent transactions. The first he mentioned was from XXXX XXXX for an amount I cant remember exactly but somewhere in the {$200.00} range. I said I did not authorize that transaction. Then he asked me if I made another transaction for around {$200.00} at a place I didnt recognize the name ( I also dont remember exactly what place that was ), the name had the words XXXX  or XXXX  in the name. I told him I did not authorize that transaction either. He then said he would cancel the transactions for me and cancel my credit card ending in XXXX. Then asked me to confirm my identity using a 6 digit code he was going to send to my phone. I received the text message 5 minutes after I received the incoming call from XXXX ( at XXXX XXXX  ) and I didnt read the what the text message said, I just read off the number to him. He then said to confirm my address so he could mail the replacement card to me, so I gave him my address. He said I would receive the replacement card in 3-4 business days. When I didnt receive the card by the 5th day, I thought it was strange. I had not received an email confirmation that my card had been canceled nor did I receive an email stating a new card was being shipped out. Thats when I checked my Chase account online and noticed the charge to the XXXX XXXX for {$2400.00}. I immediately called the Chase number on the back on my card to report the fraudulent charge and told them this same story. Apparently the person who called me was spoofing the Chase Fraud Services phone number and used the 6 digit code to authorize my credit card to be used on an XXXX XXXX  XXXX. 

After sending Chase Fraud services evidence of the text message with the 6 digit code they had sent me as well as a phone record that I received an INCOMING call from their Customer Service line on XX/XX/XXXX at XXXX XXXX, they still denied that the {$2400.00} was a fraudulent charge and said I was responsible for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Applied Data Finance, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX XXXX XXXX resident of XXXX, MN and here is my complaint : Personify Financial has been sending me numerous advertisements and pre-approval notices by postal mail for at least 6 to 8 months now. I have thrown them away each and every time. However, in XX/XX/2019 I thought to myself to give it a chance since I wanted to pay off some credit cards since the holidays are forthcoming. I submitted the application to personify financial under the impression that personify was the actual lender. After accepting the loan, I discovered through NMLS consumer access that Personify Financial is not the lender, but it is a debt buyer which means they are not regulated at the federal level. The lender was Applied Data Finance LLC who is not registered to do business in the state of Minnesota. Apparently this is how these so-called debt buyers get away with illegal interest rates. I have attached the documents below regarding the loan, and please give me a call directly at XXXX for more details, or you can also reach me by email at XXXX Please help me take action against these under-the-table-wrongdoers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Texas is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to 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 explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The  latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Yesterday I went to the XXXX dealership end test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed of couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to Bank of America since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX XXXX XXXX : Bank of America Home Loans This complaint is against Bank of America Home Loans a subsidiary of Bank of America Corporation for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against Bank of America. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from Bank of America Homes and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against Bank of America Corporation involving minorities and Latinos. XX/XX/XXXX, Bank of America settled the complaint by the US Department of Justice for {$16.00} billion dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by 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 non-monetary relief