BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TX
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've attempted to contact the reporting agency several times over the past year. XXXX XXXX XXXX has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Roquemore Holdings LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This morning ( XX/XX/XXXX ) at XXXX ( conveniently 30 minutes past the time debt collectors are allowed to call ). I did not answer the call as I thought it is probably just a spam call which I receive often. The number was ( XXXX ) XXXX After getting this call I was informed both of my grandparents ( only family members that live in the same state as me ) had both received a call from them on their mobile phone numbers. I was told they were asking about a car I used to own and she gave me their number. 

I called the number to be greeted by a woman named XXXX. XXXX claimed to be calling from " XXXX '' or " XXXX ''. It seems they used a name that is conveniently often misspelled. She told me that she was calling to locate the car I previously owned. I sold this car last XXXX. She told me the car is registered under my name, which is false. I sold the car over a year ago and the new owner got the car registered under his name and a bill of sale was filed. I bought this car cash without getting any loans through any banks so not sure why they'd call me. 

The call was all very confusing, she wouldn't tell me any details about why she was trying to locate the car or who hired her to locate the car. She told me to tell the person I sold the car to contact her. I reached out to the person I sold the car and he told me he had sold it again a few months ago. 

After looking up the number it came back to a website called " Roquemore | XXXXXXXX XXXX XXXX XXXX  ''. Who specializes in debt collection and skip tracing. They also had multiple complaints from people for harassment and shady business practices. Sources say the XXXX  has closed 13 complaints around Roquemore XXXX has listed 3 cases of civil litigation involving them as well as of XXXX. 

So I am very concerned as to how this lady was able to track down my close familys contact methods and contact them regarding me about a car I used to own. I did not even own the car for a full year.

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 2023-04-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Im an XXXX XXXX servicemember who has a Chase Sapphire Reserve Visa credit card. One of the benefits of that credit card is Auto Rental Collision Damage Waiver, which provides primary insurance coverage and reimbursement for up to {$75000.00} for collision damage for rental cars in the U.S. and abroad. That benefit is administered by Card Benefit Services. 

On or about XX/XX/2022, I initiated an Auto Rental Collision Damage Waiver Benefit claim ( # XXXX ) with Card Benefit Services in the amount of {$2400.00} to be reimbursed for rental car collision damage. To date, I have yet to receive reimbursement despite providing all required and requested documentation. 

Instead of processing and completing my claim, Card Benefit Services continues to request documentation that has already been provided. There has also been a clear, designed pattern of delay. Card Benefit Services state in emails that they will review supplied documentation within 5 business days and review correspondence within 2 days, however that does not occur. Additionally, " necessary '' documents were not initially supplied for completion of requested. It's as though there are different requirements for the claim each time I follow up on the status of the claim. 

My claim shouldve been paid out months ago. Card Benefit Services behavior is unacceptable, especially toward an XXXX XXXX servicemember.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above 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 non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Police and FTC Report for Identity theft filed for XXXX XXXX XXXX XXXX ( credit card {$16000.00} ) and XXXX loan attempt,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion and XXXX Credit Bureaus have reported a charge off from XXXX XXXX  with inaccurate dates of last reporting and last date active : TRANSUNION XXXX last reported date XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX This is only to re date my report so the negative information can stay on longer. Please have them delete this account as this is a violation of 15 US CODE 1681. This is my 3rd attempt and last before I will have to go to small claims court.

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 2023-03-29
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX at Frost Bank in XXXX, TX called me on XX/XX/XXXX to inform me that because I filed recent complaints with CFPB about fraudulent charges being made against my account bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and seeking a refund for rent paid to XXXX XXXX in XXXX and in XXXX, TX for negligence, that they decided they no longer want to maintain the relationship with me and would close my checking account in 30 days. The result of this would generate a report to XXXX that the closure was due to my failure to properly maintain my account, when in reality I am a fraud victim who filed consumer protection complaints with a federal agency. The fact that I filed these complaints with CFPB provides me with additional protection from retaliatory closure of my account by Frost and their intent to use a fraudulent reason for closure citing my failure to properly maintain the account, when it is in fact, their failure to properly monitor my account for suspicious activity or excessive charges. They have a duty of care and must exercise due diligence in monitoring all accounts for suspicious activity or excessive charges. They never once contacted me during the period of time when the excessive charges from XXXX XXXX began to appear in XX/XX/XXXX. It is clear that Frost Bank is attempting to close my account in retaliation for my exercise of a protected right or remedy in filing complaints with CFPB in regard to the fraudulent charges made by Homewood Suites and in regard to requesting a full refund for XXXX XXXXXXXX XXXX failure to provide a duty of care and negligence in maintaining the units which destroyed my personal property, Under federal law, specifically 42 U.S. Code 12203 - Prohibition against retaliation and coercion, I am protected against Frost Bank retaliating against me by wrongfully closing my account in retaliation for filing recent complaints against the bank through CFPB in regard to these matters. Filing a complaint with CFPB is a federally protected right or remedy and thereby Frost Bank is barred from closing my account in retaliation for filing complaints with CFPB or any other consumer protection agency for a minimum of 6 months after filing a complaint. Moreover, their intent to use a fraudulent reason for the closure by wrongfully citing that I failed to properly maintain my account, when in fact it is their failure to properly monitor the activity on my account, their failure to perform due diligence in monitoring my account and their subsequent failure to inform me that excessive charges began appearing on my account inconsistent with charges made in the preceding months by the same company, that enabled the fraud to continue until it bankrupted me. I had a right to be informed by Frost that excessive charges were appearing, and they failed to perform their due diligence by failing to contact me in regard to the validity of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid {$99.00} off my XXXX Victoria secret account according to the amount displayed on the website where Ive made payments while having this account. I called XX/XX/XXXX because I saw on my credit report I owed them {$14.00}. I called spoke with a supervisor who said I accrued interest after my account was paid off. So as of XX/XX/XXXX I accrued {$2.00} interest after card was paid off. XX/XX/XXXX {$6.00} XX/XX/XXXX {$14.00} I never recieved a bill or call from Victoria secrets bank in reference to no payments. After my call on XX/XX/XXXX I received a late fee after I tried to talk to them. I would like all fees credited to me via check since I have to pay it off again and any report of a late fee on my credit report removed immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Please help me this is concerning... 

Security ministration with my address name Social Security number. I also sent in a current drivers license now they requested a W9 form as I did not ask for any tax exemption or anything in that manner And when I sent it in, they said it was not accurate. I called the IRS state and federal in my name and EIN match. I completely feel I am being treated completely unfairly as I did not change my name XXXX XXXX XXXX around both of my credit cards in that time I received a new platinum Walmart rewards card that has my real name and it will not change my name back. It drives great concern. As in this time my credit scores being diminished as inquiries are being added. I have called at least 50 times that's not an understatement. I calling desperation that I believe I'm going through not only discrimination, but some kind of identity thief as they ask for all my information even my EIN as well as my Social Security number on a W9 form and told me the information did not match, I have evidence to support his not only letters with a letterhead from capital one with my correct name. ask them for a reasonable accommodation for my XXXX. I was mocked and laughed at about the situation at hand when I looked into it as well the state IRS and federal IRS has matching information. They informed me that the information was incorrect and I also have the W9 document. I also looked at how long it would take for my name to actually be changed and go into the computer and the odd thing was is that this my name was changed my correct name on the banking side and the accounts to a different name and that happened within a weeks time not even thank you for taking the time to read this. I hope I can come to some kind of resolution. This is really caused a lot of stress and inconvenience in my life. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My telephone number is XXXX. Thank you and have a wonderful day. 
The XXXX XXXXXXXX XXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: SD
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:
STATUS DETAILS : Submitted on XX/XX/2022 File number XXXX Estimated completion date XX/XX/2022 ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The " Account in Dispute '' remark is missing or incorrect. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In violation of FDCPA investigation time lines beyond 45 days. 

Needs to be removed from all credit reports as they failed to supply my disputed information within the time lines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.

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 2023-10-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
old navy, Barclays Mastercard is a very frustrating card. even though i paid by balance in full every month, i was still charged interest. this happened for several months and then i locked the account. 
even though the account is locked, i am still being charged and then they added late fees and interest. 
i tried talking to the company, but they wont fix this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Closed case XXXX by Capital One is wrong on there investigation.

- Capital One States : My s.s. and birth date match records. 
I sent in how my PC was corrupted and all my personal information was stolen - Capital One States : My name bought a ticket on XXXX XXXX under the credit card I was not on a flight and XXXX XXXX proved they see no purchase back to XXXX - Capital One States : States the card was sent to XXXX XXXX XXXX XXXX XXXX XXXX 
I sent in a copy of ownership of XXXX XXXX XXXX XXXX XXXX XXXX pulled from town hall I sent in my morgtage and tax statement from my address in XXXX located in FL I sent my w2 from XXXX and XXXX. I never lived or been to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NC
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 inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing all inaccuracies on my credit report with Experian.

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 2023-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have reached out to USAA on XX/XX/2022 regarding the violations on my report. I have few late payments reporting. I sent emails to the CEO of USAA, I made phone calls, and sent letters US Certified. I would like to get this matter resolved and get those late payments from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 removed from all 3 of my reports. USAA has failed me, they don't care about their customers and failed to contact me regarding my concerns. This issue has caused me to become XXXX 

These late payments are clear violations of y consumer rights 15 U.S. Code 1681 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b.

Please DELETE these late payments from my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CITIBANK, N.A.
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:
To whom it may concern it was brought to my attention that someone opened a Citibank credit card using my name they have removed it from the other credit bureaus, but from XXXX XXXX they removed it and put it back on. I dont understand that.

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