BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Financial Corporation of America
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We received a notice dated  XXXX   XXXX  from Financial Corporation of America alleging a medical debt. We responded  XXXX   XXXX  citing subsecti on 809 b of the F air Debt Collection Practices Act with a request that FCOA cease activities to collect this debt until they provide documentary verification of the debt. Thus far, we have received no documentation. However, we received a second notice from  FCOA reg arding this debt, dated  XXXX   XXXX ,  2017 . We understand this second communication to constitute a viola tion of the Act.   The account number in question is  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
See attached lette r Capital One took it upon themselves to become a reporting agency which they are not and instructed the credit reporting agencies to remove a closed account that was paid/good standing which has damaged  my credit report and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
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:
XXXX and HSBC Bank are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: LoanCare, LLC
State: AZ
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:
I have multiple mortgages with Loancare and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years. 

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks

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 2022-04-01
Company: Chime Financial Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Yesterday XX/XX/2022 I had problems with living into my online mobile bank because my Cell phone was off I couldnt complete the XXXX step versification to get into my account and I couldnt reset my password either I been calling my bank all day trying to get them to help me log in but they said its noting they can do because they cant go past that XXXX step verification process so I wasnt able to log into my account all day until later in the afternoon I had someone pay my phone bill so I can reset my account long story short I had my pension money deposit into my account today it loaded in my account around XXXX sometimes I still was having troubles logging into my account by the time I was able to get into my account almost XXXX all my money was gone someone had logged into my account in moved my money from my checkings account into a credit builder account I never ever use and made a transaction XXXX  XXXX XXXX for {$810.00} which was all of my money i immediately called my bank addressing the situation I have no money that was my pension money from my job I have no money yesterday was my mom XXXX XXXX anniversary that she been XXXX I couldnt go to the grave yard in visits because some one hacked into my account in stole all my money how this happen I dont know but its funny how they prevented me from accessing my account all day then when I finally do some one else gets access and was able to make out with my money I never use This credit card my bank is chime they have the online virtual card the same as the physical card which you never ever do the person who hacked my account would have been unsuccessful had the virtual been different for every debit card they never give the same card info the virtual card be like something you can use temporary until you receive the physical card them once you activate the real card you can no longer use the virtual now thats how the hacker did it they transferred my money from my savings to the credit building card and made the virtual card to they XXXX XXXX cause its the same information as the real card this person doesnt have the real credit card nor do they have any of my passwords I dont know how they logged into my account but people know how to do these things I received emails from chime saying someone logged in my account XXXX times yesterday from a XXXX and in different locations XXXX was in XXXX XXXX I live in XXXX this is crazy they took everything I had in one XXXX to XXXX XXXX or XXXX XXXX I need my money back to survive that was my pension money I cant wait months while they think about it I need my money immediately I have XXXX children in my house hold that depend on me I please help me I feel so violated chime security system seems like its only XXXX at stoping me from doing something because how they keep me out but let someone else get in and steal all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: LEXISNEXIS
State: FL
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX XXXX Code XXXX ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi, on XX/XX/2019 i had received email from XXXX and XXXX that there dedicated change on my credit report and found that Capital One left Hard Inquiry on XX/XX/2019 XXXX Report XXXX Report so this is unauthorized Hard Inquiry, I didn't apply for anything and right away called XXXX to freeze my Credit and XXXX too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Discover Secured Card. I was denied based on " Status of existing or prior Discover Card Account ''. When I contacted Discover, I was advised that my previous card was not closed, as reported to the CRBs, but REVOKED. I asked why, and was told that the revoked card was due to a delinquency from another card ( XXXX ), which was an error on my credit report and has since been removed. Discover said that even though the previous account was closed due to the error, they will NOT remove that status, and with that Revoked status, I am denied credit. 

So essentially the error is still a factor in my application and I am being denied credit because Discover is using information from a 2015 credit report that contains an error instead of using the updated report which has no derogatory information. 

I believe this is in contravention of the Fair Credit Reporting Act. Discover is basing a decision to deny credit using outdated information and is refusing to use current data. 

I have requested that Discover reconsider using current information, and was told because of the derogatory notation, " at that point in time '' ( 2015 ), my application would NOT go forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent credit multiple letter to verify that this account was owed by me and they never responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Convergent Resources, 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:
I believe that Under Title 15 Chapter XXXX, Convergent Outsourcing Inc is responsible for individual actions Pursuant to FCRA, FDCPA, and TILA. Additionally, they are guilty of copyright infringement and my right to privacy is being violated. I have not ever contracted with or given my consent to contract with this third party company.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine XXXX  Date of Inquiry : XX/XX/XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.

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 2023-01-07
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Obviously this is a game to CashApp. I can care less how stupid these people are because they are just digging themselves deeper and deeper and CFPB allowing it to continue is proving the XXXX that they are useless also. Just ok at sending out mail for people. So the both of you continuing to do absolutely nothing except ignore my rights as a consumer, as veteran and as an XXXX is only building the case proving both of your detriments to the XXXX  people is fine by me. I will continue to allow you to bury yourselves. When I take this evidence to the highest court in the country for reasons that none of you are smart enough to understand, you will learn. Until then I'm going to just keep on allowing to ignorant. 

Cash app responded the to my second complaint with the same response they had to my first complaint. Which didn't make sense or even relate to a young but proving that they are not paying attention or don't care that they just don't give a XXXX XXXX way they are ignoring one import fact. 

THERE IS NO ERROR TO LOOK FOR! SOMEONE USED STOLE MY DEBIT CARD FROM MY BAG. USED IT AND PUT IT BACK. 

YOU HAVE THE DATES WRONG FOR THE TRANSACTIONS. 

THIS HAPPENED AT A CASINO. A CASINO THAT HAS TOLD ME THEY HAVE FOOTAGE OF SOMEONE THST IS NOT ME PERFORMING THESE TRANSACTIONS! I CANT GET THAT FOOTAGE! CASHAPP HAS TO GET IT. 

THERE IS NO ERROR TO LOOK FOR! 

I NEVER CLAIMED THERE WAS AN ERROR! 

THERE WAS UNAUTHORIZED TRANSACTIONS PERFORMED ON MY ACCOUNT. 

WHAT ERROR COULD YOU POSSIBLY LOOKING FOR? 

CAN YOU PROVE THAT I PERFORMED THESE TRANSACTIONS? 

CAN YOU PROVE THAT I AM LYING AND COMMITING FRAUD IN DOING SO? 

IF YOU CAN NOT PROVE EITHER OF THE TWO THINGS ABOVE THEN YOU HAVE TO CREDIT MY ACCOUNT PER REGULATION E. 

I NEVER STATED THERE WAS AN ERROR ON MY ACCOUNT AND YOU EOULD NOT FIND AN ERROR. THE PERSON THAT USED MY CARD HAD MY PIN NUMBER. IT HAD TO HAVE BEEN SOMEONE THAT WAS ABLE TO SEE ME USE MY PIN. I AM AROUND A LOT OF PEOPLE ALL THE TIME. BESIDES OWNING A BUSINESS I AM A XXXX XXXX! I DEAL WITH PEOPLE ALL THE TIME! 

YOU HAVE TO PROVE THAT NOBODY STOLE MONEY FROM MY ACCOUNT! YOU CANT BECAUSE THEY DID! IN ORDER FOR YOU TO DENY ME YOU MUST PROVE THAT I AM COMMITING FRAUD BY LYING!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I authorized inquiry for my credit. However, I did not authorize an inquiry everyday for XX/XX/2021, XX/XX/2021, XX/XX/2021 for 3 additional inquires. There is no need to view my credit report 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: NV
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 says my credit score is XXXX When I go to Experian it say XXXX I want a paper copy sent to me in full detail. 
I paid off a car in 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 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
Inaccurate name : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date XXXX : XX/XX/XXXX INQUIRIES : XXXXXXXX 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 2017-08-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. XXXX XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, Equifax and XXXX but I never heard any of you. I want my credit report updated and this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
State: IN
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:
Credit Karma kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with XXXX XXXX to transfer my current XXXX balance and have XXXX XXXX for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called XXXX XXXX XXXX  I explained what I wanted and why and was told that because of my XXXX income, my mortgage, the XXXX account, my XXXX XXXX from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount XXXX XXXX XXXX XXXX on balance transfers. 
This occurred between XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My adjustable rate mortgage can not be raised more than 2 % per year. BSI financial sent me a notice attempting to raise it 2 5/8 % a year. I have called several times to talk to the people who do not return my call. 

BSI has already settled with the CFPB for failing to enter interest rate loan adjustment data correctly. A class action lawsuit needs to be filed against them on behalf of all people similarly situated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went to Toyota, XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I bought an new Toyota car. My credit score was XXXX. But the Financial Services XXXX XXXX XXXX, lied to me, He told me he would give me a good yearly rate and 7yearXXXX mileage vehicle service agreement free but went I sign the documentation my and my husband not good English to read the document so we just trust XXXX XXXX now yearly rate 6.15 % .vehicle service agreement purchase price {$4600.00} i with my friend go there 2 times to talk to XXXX and still no result

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had purchased a {$500.00} XXXX from an online music shop in XXXX. The item was delivered, but I never received it so I believe it was stolen. I filed a complaint with the merchant and they refused to help, and my bank denied my claim stating the merchant said it was delivered. It should be the banks responsibility to compensate me for my stolen goods, not make me pay for something I never received. I even showed a police report to them and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a false and misleading letter from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/2021 alleging I owed a debt. The alleged debt is disputed. The alleged debt is not validated. 


To LINEBARGER GOGGAN BLAIR & SAMPSON, LLP, and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Linebarger Goggan Blair & Sampson, LLP ( LINEBARGER GOGGAN BLAIR & SAMPSON, LLP ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX XXXX and Linebarger Goggan Blair & Sampson, LLP

Company response to consumer: Closed with explanation