BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX, I was at a bar ( XXXX XXXX ) with friends. I ordered a bottle of XXXX  and was there for approximately two hours. While there, they held my card as most bars do. I paid my tab, left, and went back to my hotel. The next day, I saw two charges I did not authorize from another vendor ( XXXX XXXX XXXX XXXX ). The amounts were for {$2400.00} and {$1600.00}. I was appalled and outraged and attempted to dispute. At that time, I was unable to do so and was told I had to wait until it posted. After disputing, within hours, I was told it was not fraud and that it was a face to face transaction. I asked Capital One to please provide a receipt ( s ) from the vendor for these outrageous purchases and to return to this mystery vendor. They did absolutely no investigation nor did they protect me as a customer. They told me to obtain documentation for it. How could I produce documents for something I was not privy to? No one could answer that. Since then, I have been doing my own investigation by calling, emailing, texting this mystery vendor as well as the bar I was at. No one will respond to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2022-06-21
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
XXXX Please remove it from my credit report or Im seeking litigation please delete. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$39000.00} XXXX XXXX XXXXXXXX Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
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, Everything has to be 100 % accurate on my credit report. These actions 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 an account without my written instructions.

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-24
Company: U.S. BANCORP
State: SC
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:
US Bank is reported my credit report. I have never even heard of them. Obviously someone had connected to my email, somehow " cloned '' my phone. And really who knows what else. I've noticed numerous accounts that are NOT mine. I've tried to reach out to US BANK but I just received an attitude from someone who claimed to be the only person available. And then I disconnected the call. I want the account and all the other ones that DO NOT belong to me REMOVED immediately from my credit report. This is seriously the last thing I need in my life right now. Please REMOVE this account.

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 2022-06-21
Company: EQUIFAX, INC.
State: MI
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:
my information was misused and has caused harm to me and my report setting me back in a major way because Equifax agency has not been 100 % I sent along attachments on the violation they are breaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Duvera Billing Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was charged an outrageous amount of interest on a car repair loan. The original interest was not that high when I was rushed through signing the paperwork. I have paid them around {$1600.00} in 6 months for a {$1400.00} loan. They are charging ne XXXX  % in interest. I need help please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Westcreek Financial
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: Information belongs to someone else

Complaint:
Dear cfpb, on XX/XX/XXXX I check my credit report and notice that I have a late payment from west creek financial XXXX with the total balance of XXXX. I reached out to the company to receive more information about the account, because the account was open back in XXXX of XXXX. Using my personal Information, koalafi west creek financial XXXX couldn't find an account using my information. they then instructed me to make a report to the police XXXX XXXX  XXXX Illinois, and to reach out to XXXX Credit bureau to report fraud. I am unaware of the actions taken on this account and I would like to report fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Amsher Collection Services, 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:
AMSHER Collection Service Date Opened XX/XX/2022 Amount : {$340.00} Original Creditor : XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX This collection is false. I have never opened this account and used XXXX, Yet, this has been reported to XXXX and issue against my credit report. Also checked with the other credit score services companies, they dont have this collection listed. When I called, the operator at this company immediately requested my social security number. The account in the credit report only shows the first six digits and missing the last two.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Block, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I used AfterPay to pay for a product I purchased on XXXX XXXX website. The item was never delivered to me. AfterPay still required me to pay every single payment for an item I never received and was never refunded for. I contacted AfterPay on XX/XX/22 and continued to speak with them via email through XX/XX/22. In the end I was forced to pay the entire {$60.00} for a product I ordered on XX/XX/22 but never received. Both XXXX XXXX and After Pay recognized that my order never arrived and was never even delivered to my apartment, but refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: GU
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:
XXXX XXXX XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!

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 2022-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: NY
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:
Most of the hard inquiry and soft inquiry request on my credit report was never done by me by these companies that I never applied for no kind of credit or anything like that I called them and explained to them and they told me that they can not do nothing about it

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 2022-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Back Securities Fraud from XXXX XXXX TO ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  all are guiding of securities fraud, mortgage and deed and assignment of mortgage and pooling fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: AZ
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 is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 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 2023-02-22
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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 2022-08-19
Company: Experian Information Solutions Inc.
State: RI
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 XXXX Account # 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-21
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just recently started checking my consumer reports from XXXX, XXXX, and XXXX and I noticed a account I didn't recognize. So this prompt me to find out why and who I allegedly owed a debt to. I ended up finding out that Jefferson Capital Systems , LLC has been furnishing my information to the consumer reporting agencies knowing that they had never contacted me to make me aware of the alleged debt. Ironically on XX/XX/XXXX they finally contacted me with their initial disclosure ( six months after " Regulation F '' effective date XX/XX/XXXX ). It's clear that they've been using a deceptive tactic called " Debt Parking ''. To prove this I am listing the account and the last date this particular account was updated on my XXXX, XXXX, and XXXX reports. This will prove that they've been furnishing this account to CRA 's without following the procedures and rules of the FDCPA. 
According to 12 CFR 1006.30 a debt collector must not furnish to consumer reporting agency as defined in section 603 ( f ) of the FDCPA 15 USC 1681a ( f ) information about a debt before the debt collector either speaks to the consumer in person or by phone, or places a letter in the mail or sends a electronic message to the consumer about the debt and waits for a reasonable period of time to receive a notice of undeliverability.

Also according to 12 CFR 1006.18 ( d ) A debt collector must not use any false representations or deceptive means to collect or attempt to collect any debt. These two violations alone are more than enough to pursue legal action against Jefferson Capital Systems , LLC. Listed below is the account number and the last dates updated for further proof. 
XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Last Date Updated : XX/XX/XXXX I am also attaching photo proof of the initial disclosure and it's date, along with photos of XXXX, XXXX XXXX and XXXX reports showing last date this account was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I closed the XXXX XXXX XXXX account on XXXX XXXX due to they were billing me for a card that I no longer had use for and increased my limit without my consent. I have disputed this several times and they would remove the payment history but every month they would report I'm behind on my payments for a closed account. I have contacted them several times and nothing still hasn't been done on their behalf. My score has dropped over XXXX points due to them reporting and the account is closed. They have lied since XXXX stating they were sending a check for the amount refunded and then also stated they would add it too the prepaid account that I had with them none of that was true. Have been having issues with them since last year and they need to be shutdown for this type of issues

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 2022-04-23
Company: JPMORGAN CHASE & CO.
State: MD
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 applied for a Chase credit card on XX/XX/2022. I was denied and given an adverse action notice that states information from XXXX was used to make their decision. However, my XXXX credit report was also pulled and resulted in a hard inquiry there too without being listed on the adverse action notice. There is no permissible purpose for pulling my XXXX credit report because it wasn't even used in their decision, as my application was instantly denied upon determining I had five or more credit card accounts opened within the past two years based off of my XXXX credit report. If I had frozen my XXXX credit report, this hard inquiry would have never happened because only my XXXX credit report was used to make a decision and the application would have gone through just fine. Additionally, XXXX refuses to accept my dispute for a hard inquiry even after submitting a CFPB complaint to them, instead forcing me to dispute directly with the furnisher, which just leads to another CFPB complaint except this time for the furnisher.

Company response to consumer: Closed with explanation