BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: CL Holdings LLC
State: AR
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 recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX   HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, JEFFERSON CAPITAL, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: BBVA FINANCIAL CORPORATION
State: TX
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've attempted to call and email BBVA Compass ( call, ~XX/XX/XXXX, XX/XX/XXXX ; email XX/XX/XXXX, XX/XX/XXXX ) after my account was frozen on my request to dispute a transaction ( which I was unable to do online ). Once my account was frozen, I was unable to access my balance and transaction history. I received my new credit card in the mail XX/XX/XXXX, activated it XX/XX/XXXX, and still see no account history for this credit card. The individuals who I spoke to over the phone with BBVA were either unhelpful or outright rude. I was told ~XX/XX/XXXX that a dispute document was going to be sent to my home address, which I have yet to receive ( although I've received my credit card ). I've never dealt with a financial institution so inept and unable to answer what should be a simple problem/question. I've started to consult attorneys in the area to ensure I'm not taken advantage of. This is unprecedented behavior and I don't yet understand what is driving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CITIBANK, N.A.
State: NJ
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:
I have been a Citi Prestige Cardmember for several years and have always paid my bill on-time and paid my annual fee dues ( currently the annual fee for this card is {$550.00} XXXX. As part of this hefty annual fee, I expect to receive the full value of benefits and rewards associated with the card. 

After speaking with a friend who also has a Citi Prestige Card, I found out he received a XXXX XXXX XXXX gift offer from Citi ( with a value of about {$400.00} based on the items he was able to choose from the gift ). After hearing about this, I wanted to see if I was also eligible to receive this gift. I proceeded to reach out to Citi Customer Service via its chat functionality on the Citi website on XX/XX/2019 ( screenshot provided ). I explained that my friend had received this gift and I was curious if I would also be receiving this same gift. The chat representative said " Yes, you will be receiving a mail as well '' and proceeded to provide a XXXX XXXX XXXX email to follow up with them directly. 

After waiting weeks and weeks, I did not receive anything and followed up once again. I lodged a formal complaint with Citi that was routed to the Citi Executive Response Unit ( XXXX - Attn : XXXX, XXXX ). XXXX did not assist in resolving this matter and claimed the chat representative had simply provided inaccurate information. I said that Citi should stand by what the chat representative said and XXXX claimed they would be retraining the rep so I should rest assured. This is extremely frustrating to me because I was effectively lied to and presented inaccurate information. Citi does not want to take accountability for the actions of their own representatives who act on behalf of the company when they provide this inaccurate information. Citi should provide me with the stated XXXX XXXX XXXX gift that I was told I would be receiving.

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 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, XXXX XXXX paid his Capital One Venture card ending in XXXX. The payment is ordinary for his account, generally at the beginning of the month he pays his balance. The balance of {$1000.00} was paid in full and withdrawn from my associated bank account. 
On XX/XX/2023 XXXX XXXX attempted to use his card and was told that it is declined. To much chagrin, XXXX contacted Capital One where they aggressively indicated they can hold my account for 10 days to verify payment. I dont see how this is legally acceptable if my payment has cleared from my associated bank. Managers at capital one were aggressive and rude essentially questioning whether I had the money to make a payment. I have never been late on a payment for them and all of my payments come directly from the same associated bank account ( XXXX ). I have bills that rely on this account and I would not have made my payment 10 days early had I known i would not have access to any money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a vehicle from XXXX XXXX of XXXX XXXX on XX/XX/2018 under XXXX XXXX XXXX XXXX. The vehicle was a used XXXX XXXX truck for sale at {$16000.00}. Shortly after purchase ( within 1 week ), the car began to experience serious malfunctioning issues. After several attempts to fix the vehicle by the dealer, and having the vehicle damaged by the dealership while it was in their care for 2, almost 3 weeks right after purchase, I requested a refund of the down payment of {$4500.00} and asked to return the car which was met with much difficulty and lies. I went through all state level procedures to file a complaint and an agreement was made by the dealership with the Office of the Attorney General Consumer Protection Division to refund me my money, take the car, and cancel the loan that was in conjunction with Credit Acceptance Corporation. XXXX XXXX, nor Credit Acceptance Corporation will corporate -- despite an agreement to cancel the loan and my purchasing of another vehicle from a reputable dealer. The car is not driveable and sits in the damaged lot of XXXX XXXX. XXXX XXXX stated that it is on Credit Acceptance to refund my money and cancel the contract. Credit Acceptance says they can not do anything until the dealership does it, and says the cancellation and refund resolves with the dealer. No party seems to be telling the truth, regardless of all the proof that the car should not have been sold. I am out of {$4500.00} for a car that does not work, that failed inspection, and I do not drive. Credit Acceptance has not been helpful at all and neither has XXXX XXXX. Credit Acceptance keeps billing me, and XXXX XXXX refuses to take their car -- they stated they won't corporate with the transaction and that they will allow it to get repossessed-something I can not afford. Neither party is recognizing that this car was sold that didn't function properly and is still holding me accountable. I have attached proof.

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 2019-01-15
Company: EQUIFAX, INC.
State: MS
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:
Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification. 
Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. Equifax, XXXX, & XXXX   should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: VA
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 disputed the following information below contained in the attached files with XXXX, EQUIFAX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. EQUIFAX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: DISCOVER BANK
State: NY
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 filed a dispute with discover for a timeshare charge I signed the contract on XX/XX/2019 and sent a letter to rescind on XX/XX/2019 due to financial hardship. I sent the two certified letter one on XX/XX/XXXX, and XXXX requesting to rescind. Discovery credit my account and reversed the charges to the company. I was informed that the company sent in documentation that I signed the contract. This was not my dispute. My disputes is that I tried to contact the timeshare company to rescind and they didn't responded to me until they received the dispute. Discover informed on the contract it stated that I can not cancel unless a breach from one party. However I received a email from the time share company stating the following '' We have received notification stating you have filed a dispute with your credit card company in regards to the charges made by the Club. Per our internal policies, once a dispute of the charges has been made, we are compelled to wait until the members financial institution completes its investigation and we receive the outcome of this process to further discuss the submitted cancelation request. 
The Club does comply with the decision made, whether it implies that the banking institution reinstates the funds to the member or not. In the event that the resolution is in favor of the member, the contract signed becomes null and void ; otherwise, we will resume communication with you to discuss a resolution according the outcome of the dispute process. I called Discovery to dispute this decision and was informed that I couldn't. I tried again to contact the timeshare company and again no response. I can not afford this and the high pressure sale tactic during this presentation was misrepresent. If they can not cancel why was it mention in the email if the credit cards refuses to pay they will cancel the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX MAIN XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
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 Wells Fargo my " account originated as a XXXX, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive Pick-A-Payment loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.

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 2019-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have an XXXX XXXX XXXX credit card through Bank of America. I am able to access card information through an online service through Bank of America. I have activated a " minimum payment option '' which indicated that my amount due was {$210.00} to be taken directly out of my bank account. I have confirmed with Bank of America that the minimum   pay option was marked on my online account. 

Bank of America took {$10000.00} in addition to the {$210.00} on XX/XX/2019. This was unauthorized, and represents an illegal action by Bank of America. Please prosecute them for theft, as they now have confirmed to me that they will not be returning these funds. This was especially vexing as the funds in my account were to pay Federal and State taxes.

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 2023-09-02
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The following collection companies continuously harass me on a daily and they do nothing but try to get me to say I'm XXXX XXXX, they will even make up stories or lies to get me to confirm its me, XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX XXXX {$520.00} Re : Complaint against Harassing Collections Practices Stemming from Identity Theft I am filing a complaint due to ongoing harassment from ABOVE collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018. 


I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: AR
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 file a complaint regarding inaccurate account on my credit report that was still reported and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe. I have been frauded by Santander Consumer USA on my credit report they have the account XXXX closed and then they have it paid off I have disputed this company on several occasions because the information on my credit report is incorrect also the dates are inaccurate. On one report they have date opened on XXXX and on another report they have date opened on XXXX XXXX and on one report they have this account as a collection account and on another report, they have the status closed for {$6200.00} as a written off charge. Please remove this off of my credit report because this company is using my information for their financial gains from my credit report. 
Thank You Much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CL Holdings LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Jefferson Capital System has illegally reported this unverifiable debt to the credit bureaus without properly validating the debt. I have requested a letter of validation and they have failed to send. They have also submitted to the bureaus an address I have never resided. Furthermore, I am not liable for this debt and I do not have a contract with this company and did not agree to do business with them, so please remove this erroneous information from my credit profile.

Company response to consumer: Closed with explanation