BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital car financing gave pre approval options so I went with the pre approval so my credit wouldnt be affected! A person from capital one reaches out and tells me I didnt qualify for pre approval but stated they could try other options and would give me a call back. I told the representative that I didnt want to go through the process if it wasnt a soft inquiry and they said okay. Two days later capital one submits 2 credit applications without my approval DAYS LATER to 2 different loan companies one being capital one and one being XXXX who I never even heard of until it hit my credit report! I tried contacting capital one about this issue since XXXX and they keep giving the run around not acknowledging that they rep kept my SSN on file after I denied they service and used my social to apply for car loan applications TWO days LATER without my consent! This is damaging behavior to the consumer to hit their credit with 2 hard inquiries when they did not consent of this and is bounds for identity theft. It is illegal to use some SSN days later without having their consent and also to store someones credit number is absolutely INSANE. That kind of information is sensitive and a representative should not still have access to my ssn days later after we talked!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Attempted to use an American Express gift card to make online purchases and add to digital wallet. I attempted to contact customer service but was only met with automated responses. The card continues to decline at several online retailers for purchases that an amount below the balance on the card. Online and in their information provided American Express says that you are able to use the gift card digitally and add to your digital wallet without issues but this has not been the case. The card had a balance of XXXX and I was only able to make 1 purchase after trying to use the card at several retailers for small purchase amounts. This was a purchase at XXXX for XXXX The balance as of Friday XX/XX/2023 at XXXX XXXX  PST is now {$480.00}. I was able to load my card on to XXXX and XXXX and XXXX XXXX, but they did not allow me to make retail purchases at all. They did place small holds of XXXX cents and XXXX cents on the card respectively. Additionally, it would not let me add my card to digital wallets on XXXX  or XXXX, in order to make one time purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was made aware and still get notices at hat over XXXX is being charged to my account for services I didnt sign up for. They say theyre through PayPal for home warranty services. I contacted the home warranty company and they said there is no such charg. Still Im getting the same notices!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was approved for a CARES Act COVID forbearance for XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I asked for an extension of this forbearance, which was approved. 
Later DMI recanted the forbearance extension ( XXXX  XXXX  ). At this time I was required to pay the payments paused during forbearance IN FULL. This violates the CARES Act. 

Im response to my previous complaint they specifically avoid addressing this major complaint as it violates the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I refuse to pay this BULL CITY FINANCIAL. BCF is reporting XXXX accounts onto my consumer report. My rights under the Fair Debt Collection Practices Act ( FDCPA ) and HIPPA allow me to contest credit report inaccuracies. According to FDCPA, I can challenge false information, and HIPPA deems accessing, obtaining, or transmitting Protected Health Information without authorization a criminal violation. BULL CITY FINANCIAL isn't the original creditor, and I never authorized them to report my private information. I've got proof of their questionable practices, from inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). Validation and verification are not my concerns ; it's the false data on my credit report. They must remove this incorrect account and other negatives swiftly. If not fixed within 10 days, I'll take it to the United States District Court for the Eastern District of North Carolina. I'd rather sort this out amicably, but time is running out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-16
Company: Genesis FS Card Services, Inc.
State: AZ
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 approved for the XXXX XXXX  I made my first payment on XX/XX/XXXX in the amount of {$100.00} and the payment was posted to my account the next day. I then made a payment on XX/XX/XXXX in the amount of {$100.00} from the same checking account as the first payment and it has yet to post to my account. I made another payment on XX/XX/XXXX in the amount of {$20.00} from the same checking account as the first XXXX payments and it was posted to my account on XX/XX/XXXX. I called XXXX  to inquire about why the first payment was posted the next day and the payment made on the XXXX was posted the next day but the payment made on XX/XX/XXXX has yet to post. I was told they put a hold on the second payment to verify funds even though they were all made from the same account. This is affecting my Available balance and it is hurting my XXXX XXXX. They are purposely keeping my account over the credit limit to hurt my credit score and have no valid reason for doing so. The account in which the payments come from has been verified because XXXX of the XXXX payments have been posted to my account. I have read reviews on this company and they are doing this to a lot of people and it is wrong and needs to stop. They are intentionally hurting people 's credit and it should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: IL
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Equifax, and XXXX are reporting inaccurate account information. ( XXXX XXXX XXXX XXXX XXXX # XXXX ). XXXX, Equifax, and XXXX are reporting incorrect opening dates, incorrect payment histories, and incorrect closing dates. This is a violation of 15 U.S Code 1681 ( Fair Credit Reporting Act ) I have called XXXX XXXX on multiple occasions, and I have visited two XXXX XXXX branches in an attempt to received proof of the account dates and payment history. XXXX XXXX has failed to provide me with any information regarding the inaccurate ( XXXX XXXX XXXX XXXX account # XXXX. ) XXXX XXXX, XXXX, Equifax, and XXXX have all violated the Fair Report Act that was established to protect consumers ( Me ) from inaccurate report information ( Them ). I am asking that the inaccurate XXXX XXXX account ( XXXX ) be delete immediately from XXXX, Equifax, and XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00}

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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is stating I owe {$120.00} times two on a membership that was previously canceled on the mail by letter as suggested from XXXX XXXX. There were two memberships under my account XXXX XXXX ( me ) and XXXX XXXX ( my father ). I received letters for both memberships that were canceled. The gym switched names and ownership but I canceled prior I have an email showing I reached out to the gym. This fee shows no break down of what I wouldve owed or when I stopped paying my membership. This facility has changed names so many times and been know for doing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-11-12
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting 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 Account XXXX XXXXXXXX has violated my rights.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called USAA American Express Credit Card Customer Service number at XXXX which was provided on the statement. 

Issue # 1 - they asked for my whole credit card number or my social security number to be provided to triage who i am before connecting me to a service representative.

Issue # 2 - when connected with a service representative, I was told I had to provide my account password as one of the personal varication steps.

Issue # 3 - i called for two reasons, but my complaint is on the second one. My credit card statement is showing charges from XX/XX/2023 through XX/XX/2023. And is showing Interest charge information tallied on XX/XX/2023. There is nothing on the statement that specifically states what date ranges the statement is covering so I must presume, based on the charge information, the statement is covering the period from XX/XX/XXXX through XX/XX/XXXX. My credit card limit is {$5000.00}. I had no previous balance. Between XX/XX/XXXX and XX/XX/XXXX, I had {$1000.00} in charges and no accrued interest. Yet, the statement is showing available credit is {$1500.00}. I was calling to get an explanation as to why the statement was not showing {$3900.00}. The service rep kept trying to say that it was because of charges accrued after the XXXX of XXXX- even though they are not reflected on the statement. This does not make sense as a statement is to reflect a point in time and should only consider that which is encompassed within the printed statement for the time frame that statement is covering. She was unable to provide an explanation as to why charges not represented on the statement were impacting my printed available balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/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 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account that I have with this credit card company was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Exeter Finance Corp.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Exeter finance Charge off account The amount is XXXX The company have reported it as a open account and I never had a account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Block, Inc.
State: OH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a refund to my Cash App card on XXXX XXXX XXXX  from XXXX to Cash App for {$29.00}. Cash App cancelled the refunrn with no explanation. 

I have requested answers to the issue with no response from Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
went to apply for a loan and they told me that i already had on when i know i never have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This account was opened without my consent. This account is by default and I didn't open or ask for an account. This account is incomplete and the information is illegal to report especially when i identify the reasons for the account to be removed and deleted. 15 usc 1681i ( a ) ( b ), 15 usc 1681s-2/ 15 usc 1681c-1 is violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I see many hard inquiries on my credit report that I did not authorize. I have not applied for or requested any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XXXX I inquired again to Movement Mortgage of what became of my end of the year escrow monies when they stated that I owed them over {$3000.00} for homeowners insurance after I sent {$2200.00} from a cancellation insurance policy that they paid this summer, last week. I was informed that I still owed them over {$3000.00} and they will increase my mortgage from {$720.00} to {$1300.00} starting XXXX. I'm currently in XXXX  XXXX and a XXXX  XXXX veteran on a fixed income in which they know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I spoke to my car loan company XXXX XXXX XXXX and it was confirmed on the phone i never had any late payments however on my credit report my car loan is reflecting as paid 60 days late for the months of XXXX and XX/XX/2021 which is incorrect. I'd like this account updated to 'paid as agreed ' or 'never late '.

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 2023-10-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.

Company response to consumer: Closed with explanation