BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: EQUIFAX, 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 XXXX Account # XXXX, # XXXX, # XXXX, # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-02-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I made a deposit of {$2400.00} cash at the TD bank ATM at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
The ATM didn't proces the money and didn't return them, but asked me for the amount and printed me a receipt that says " forced deposit " Next day I checked my account and noticed that was a deposit correction of {$1100.00}, I've been calling them letting them know that im late on my mortgage because of this has been a week and besides apologies haven't got any help from anyone that I spoke face to face at the bank site nor over the phone, if this isn't a robbery  I don't know what is

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16
Company: One Technologies, LP
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 received a Phishing email stating that my credit scores have changed from XXXX XXXX phony email If you are unable to see the message below, use this link view. 

XXXX XXXX XXXX What's your XXXX  Credit Score? 

Get Your 3 Credit Scores in 3 Easy Steps!

Get Started Today!

1 Click Click on Your Scores Now.

2 Complete Fill out the simple form.

3 View See your 3 Credit Scores Instantly. 


YOUR SCORES - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, Texas XXXX I looked up the address on the internet and this is what I found from someone. 
One Technologies XXXX XXXX XXXX XXXX XXXX, TX Computers ... 
XXXX XXXX XXXX-XXXX Get directions, reviews and information for One Technologies in XXXX, TX. ... XXXX XXXX XXXX XXXX, XXXX, TX XXXX ... This company owns XXXX and took over XXXX from my account over a 2 year period WITHOUT my permission and ... 
Here are some more notaions from other people being abused by this company One Technologies in XXXX. 
XXXXPrevious review This company owns XXXX and took over XXXX from my account over a 2 year period WITHOUT my permission and now are refusing to give it back!!! There reasoning for the denial of refund is : Refund was requested after billing date.!!!!!! 
You reallllly want to see me in court??? A single mother, XXXX XXXX XXXX with XXXX XXXX XXXX and XXXX! I never solicited your services and only wanted a refund but now I'm feeling harassed and my XXXX XXXX is through the roof. Guess I have no choice but to take legal action against this multi million dollar company that has recently lost a class action law suit for the exact same thing! 
This was so senseless XXXX  XXXX XXXX Read more Photo of XXXX XXXX. 
XXXX XXXX. 
XXXX, FL XXXX XXXX XXXX XX/XX/XXXX This company owns XXXX and they are a total rip off. Was charging my account {$40.00} a month and finally tried to dispute it. Had to go to visa

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank has sent repeated checking account invitations to a person who has never lived at my home, XXXX XXXX, whose address is XXXX XXXX XXXX XXXX XXXX, NOT XXXX  XXXX, which is MY address. All previous correction attempts have been ignored, & I have no knowledge of this person. The enclosed uploaded documents show incorrect address AND a XXXX search proving his voter registration with XXXX XXXX Immediately correct the issue as I am considering legal action for this harassment.

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 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. CREDIT CARD COMPANY HAS ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS ON MY CONSUMER REPORT AS A CHARGE OFF. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a false credit report by CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2022, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2022, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Account information incorrect

Complaint:
I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with.I HAVE NEVER EXPRESSLY AUTHORIZE, CONSENT TO AUTHORIZE OR DIRECTED EXPERIAN TO SHARE MY INFORMATION.

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: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My complaint is regarding bogus charges/fees to my account. The information they are stating to me is not accurate. 
In XX/XX/2021, i received a statement saying i owede XXXX balance which should have been my final payment. I paid the XXXX. I got another statement at the end of XXXX saying i owed XXXX. I paid that. In XXXX i get a bill saying i owed XXXX in late fees. As i was never late, i couldn't understand. I called to find out the charges. They told me they would wave XXXX late fee but i had to pay the remaining. I asked several times what was the charges for. No explaination. I then decided to spare my credit, i would pay the XXXX even though i knew i didn't owe it. I just wanted my credit clear. Bur they keep billing me and im at my witts end. They sent me a bogus statement saying in XXXX, i owed XXXX but i really only owed XXXX for XXXX. So i was able to find my statement for XX/XX/2021. It had a balance of XXXX. XXXX. Next payment due XX/XX/XXXX in amount of XXXX. I paid XXXX on XX/XX/XXXX. I made a purchase of XXXX. XXXX on XX/XX/XXXX. My next payment was XX/XX/XXXX in amount of XXXX. I made a XXXX payment all the way up to XX/XX/2021 when i made the XXXX. Payment. I can find no logic for me owing XXXX as they claimed i owed in XXXX. I did electronic payments through my bank. I never missed any payments and didn't make any other charges. I have begged for them to look at this error that has obviously been made. 
to the correspondence that was sent to me, the have my XXXX balance as XXXX there is no way possible my balance could have been XXXX when I made no charges, was never late on payment, never missed a payment. My balance was only XXXX. The statements I asked them to provide a copy of the statements, not these typed up letters they are submitting but actual statements to prove to me where these extra charges come from. I have made one purchase this year. XXXX. I'm begging for a resolution because I don't owe this money. I promise I paid what they billed me!

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 2023-01-10
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: Reporting company used your report improperly

Complaint:
( This is a continuation of complaint # XXXX ) This is a follow up on the detailed complaint, since your companies response I have continued to request the nature of the accounts validation to be provided. During this process I was notified that a series of letters I had submitted were " thrown away '' ( Recorded call early XXXX ). These inaccuracies and your companies unwillingness to thoroughly vet these accounts has put unbearable strain on my financial health and is now in violation of my fair credit reporting rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a 1099 misc from capital one, I contacted capital one to clarify what the reported income was on XX/XX/2023 and was told they would look into it called back 10 days later and was told they needed more time. I have called again and the department which handles this still has not responded. I am unable to file my taxes because I didn't receive this income capital one is reporting I have received and I need the correct information before I can file my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Account information incorrect

Complaint:
My credit rating was at XXXX for years. 
On XXXX I traveled from XXXX  to XXXX  to look fpr a new home. Suddenly, my credit rating dropped to XXXX. I was ineligible to buy many co-ops and condos due to my credit rating being under XXXX. 
I looked at my credit report and XXXX charges from years ago appeared on there. In addition. XXXX claimed I paid only XXXX of my accounts on time. 
I have been devastated by this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2023 - a {$420.00} repo fee accessed to my account. I had no knowledge of the repo fee and it was never stated on my statement. Kia took my {$540.00} car payment and instead of applying my car payment to my principal balance and interest, they applied the money to an expense. I had no knowledge that any of this happened until I got online and looked deeper into my account because Kia was stating I was behind on my payment. 

XXXX Kia charged me {$52.00} in late fees. I was late due to the fact that Kia took my {$540.00} dollar car payment that I made in XXXX and applied it to a fee that I was unaware of. So because no money of the {$540.00} went to my car payment, I accessed late fees. 

I have gone to small claims court with Kia as the defendant. Kia could not explain the repo fee to the judge. Kia agreed that the repo fee was not stated on my statement I was awarded nothing by the judge.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: MS
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:
m accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : US DEPT OF EDXXXX - XXXX, has violated my rights. 

Experian : US DEPT OF EDXXXX - 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 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 explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: CA
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:
I sent a letter on XX/XX/XXXX, to remove these items 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  The items are UNKNOWN to me, please remove & block any items or information which is found to be opened due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The years I had wells fargo they would always authorize any transactions while my card was locked. their excuse was that It was allowed at the banks discretion. But when I had money but was short even a couple of cents for s transaction with an unlocked card they would not authorize the charge.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: OH
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:
I have an account that is not accurate from XXXX XXXX XXXX # XXXX Date of Last Payment Debtor Payment XXXX XXXX is missing and this is not a company that I ever remember doing business with in any fashion. 
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. I have inquiries that I do not recognize from the following companies, 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

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