BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: AR
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.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX # XXXX has violated my right. 
Bank XXXX XXXX XXXX # 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 than seven years.15 U.S.C 1681s-29 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know 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 explanation
Consumer complaint received 2022-08-01
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Three months ago a overdraft was deducted from my payroll account in the early XXXX  hours. The very same day @ XXXX  I walked into key bank in XXXX XXXX, PA XXXX with a credit Union check to deposit it into my account. Afterwards I was told it will be froze due to the negative account previously. The negative was taken care of 8 hours before submitting the check. The hold lasted over 10 days counting the weekends and not just the 5 days explained. I was not awarded the 4 hours after XXXX XXXX  the day of which made it ( 2 ) weekends. All this started late fees on other bills creating additional charges I was forced to pay, causing more overdrafts later. 
Fast forward going from paycheck to paycheck I paid {$300.00} to fix account again only to find it worse. I have been a victim of this from XXXX XXXX, XXXX  XXXX, and now KEY BANK. I was not even part of the settlement now have no income to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Barclays just took over my account which was previously held by XXXX Bank. Upon taking them over I was in a dispute over charges. When I called XXXX at that time they said they no longer had the account and I needed to call Barclays ( that was XX/XX/2022 ). Upon calling Barclays that day, I spoke with an XXXX who told me that I needed to call back in 30 days since the information had not fully transferred over. When I called back on XX/XX/XXXX, I spent XXXX hours on the phone. I first spoke with XXXX who told me to put in the fraud charges on my end on the computer ( there were XXXX separate charges on the same day made at the same place totaling {$530.00} ). When I put in the first claim it closed out my account, and I could no longer get to it to put in the second. She then tried to transfer me to the fraud department to which she was saying they were having problems on their end she gave me a number and I had to wait 30 minutes and call that number. Well it brought me back to square one, and I had to go through everything all over again. I then spoke to XXXX he told me he spoke to the fraud department, and that because these charges happened before they took over the account that I needed to contact XXXX. I told him that they told me to contact them! I asked to speak with a XXXX to which I spoke to XXXX for a total of XXXX minutes and he then transferred me to the fraud department. I then spoke with XXXX, I was talking with her explaining everything and she kept putting me on hold. The last hold she put me on was extremely long. I was on the phone with her for 40 minutes, and then I was disconnected! She obviously had all my information, and she never called or emailed either to say we were disconnected. Basically hung up on as I had the message from the phone company. I want these charges reversed as these were not made by me! I spent 3 hours of my day getting nothing accomplished and I do not have 3 hours to do this again.

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 2022-08-01
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022. I checked my credit report on XXXX XXXX and saw an account that I've never seen before. the way if shows on XXXX XXXX is : FEB-RETAIL Credit Limit {$4000.00} Opened XXXX XXXX FEB-RETAIL XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX This is not my account I never opened it. This is Identity theft. I lost XXXX points on my credit report because of it. It needs to get restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the usual amount of {$35.00} from my only checking account at Chase Bank and the card associate says that I never made a payment. I paid the XX/XX/2020 bill on XX/XX/XXXX. They changed the billing cycle date from XX/XX/XXXX to the XXXX. I made a payment of {$35.00} on XX/XX/2020. They are lying stating that I never made a payment in XXXX and they are charging me {$85.00} in XXXX. I believe that he is XXXX. I only have {$35.00} to give Chase Bank this XXXX. I only have {$15.00} to spend every month on this card. Why would I owe so much? A XXXX female representative also called me a XXXX over the phone. They said they helped me however I am not certain. The minimum payment also increased to an amount {$50.00} for an unknown reason. I am XXXX. I dont like really talking or arguing at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Disputed debt via USPS certified mail with tracking number # XXXX to dispute debt. I do not owe this debt. despite me disputing it, they still reported it to credit bureas on XXXX XXXX ( got Two letters back to back from XXXX XXXX XXXX XXXX Received notification from credit bureaus this week that i have a negative account on there. Called and spoke to XXXX on XX/XX/XXXX around XXXX AM EST but she insists that she is allowed to report it. Per the FDCPA, They can not dispute a disputed debt until they satisfy all components of my dispute. My dispute included for them to Verify debt, verify company, send last billing statement, original contract and all payments made regarding that contract, and to verify that they are a licensed debt collector in michigan. Despite me saying all this, she still said that wont stop them from reporting it ( I.E threatening to report to credit an unverified debt ) Didnt care to take tracking number, sent me to supervisor who did not answer. This company is acting illegally when it comes to collecting/reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: HYUNDAI CAPITAL AMERICA
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
At the end of XX/XX/XXXX I got a loan from XXXX XXXX XXXX XXXX to buy out my lease of a XXXX XXXX XXXX XXXX. The loan agent at XXXX XXXX wrote the loan for the wrong amount- it was short about {$300.00}. XXXX claimed that they sent the loan check back to XXXX XXXX multiple times but XXXX XXXX never received it. So in XXXX of XXXX, I made an additional payment for {$300.00} and XXXX XXXX asked XXXX to cancel the check and reapply the funds to the account. They agreed and said that it would be taken care of and the title would be sent to XXXX XXXX. As of today, XX/XX/XXXX, the title still has not been sent to XXXX XXXX despite the fact that they have had all of the money and information for six months. I have been calling bi-weekly since XX/XX/XXXX and have talked to hundreds of people there, but still have not had any resolutions. They continue to tell me that the special agent is the highest person I can speak with and they can only email the next person, as payment and processing " does not take phone calls ''.

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 2022-08-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXXXXXX XXXX  never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : 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, 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 XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXXXXXX 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 2022-08-01
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: Reporting company used your report improperly

Complaint:
I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number 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 DEPT OF EDXXXX. Posted XXXX on Experian Account number 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 XXXX Account number 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 2022-08-01
Company: Experian Information Solutions Inc.
State: WA
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 have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, Thank you

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 2022-06-09
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CBE GROUP is stating I owe them a debt of {$140.00} I wrote 3 letters to them with no response. They also reported this debt to the credit bureaus and will not remove. This is the 3rd letter I have written. 

This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE {$140.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2022, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action at the XXXX XXXX XXXX XXXX  against your company. 

I will be seeking a minimum of {$5000.00} in damages per violation for : XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX I am reporting this company to you CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - XXXX XXXX XXXX XX/XX/21 - XXXX XXXX XX/XX/21 - Capital One Auto Finance I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX, XXXX XXXX, and 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 explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MD
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 have an inquiry from Equifax Mortgage Services on my report. I informed Equifax I have not applied for a mortgage and it should be removed. 

I let Equifax know when I filed the dispute that I did not make this inquiry. 

The Equifax response to my inquiry was : The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

I did NOT authorize this inquiry because I am not seeking a mortgage, nor do I have a mortgage with any company. This must be some sort of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair credit report act XXXXXXXX XXXX  account number XXXX XXXX XXXX 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 2022-09-28
Company: EQUIFAX, INC.
State: AL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, 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 2022-09-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called federal loan servicing at XXXX on XX/XX/XXXX. I spoke with a woman ID # XXXX who told me the refund request was sent on XX/XX/XXXX for a total refund of {$9400.00}. She told me it would take 2 weeks to 2 months to process and that it would go to my checking account that I used to pay off my student loans during the forbearance/pandemic period. A few weeks later I spoke with ID # XXXX ( XXXX XXXX she had no idea what I was talking about and when I asked for a confirmation email and I git an email just stating a ticket was closed. Today I spoke with another woman, she was so rude! Unprofessional argumentative and unkind! She, like the last " specialist '', had no idea about my right to get the loans I paid during the pandemic refunded to me. She proceeded to tell me how wrong I am, that I'm explaining it wrong, that I don't know what I'm talking about, questioning why I don't want my loans to stay paid. I finally copped an attitude back and told her the call was being recorded and she said mine was too, I hope it gets replayed. I called today XX/XX/XXXX at XXXX. I still have no idea what the status of my loan payment refund is. I wrote an email to them explaining what I need. This is a lot of money, I'm trying to get the money I paid towards my loans refunded so I can apply for the loan forgiveness programs before its too late. My user name is XXXX dob XX/XX/XXXX email XXXX XXXX

Company response to consumer: Closed with explanation