BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.

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 2015-04-01
Company: Byrider Franchising, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The COAF loan went into a charge-off situation. They mailed me a settlement offer on XXXX. I did not have the funds available to take advantage of it. On XXXX I sent a letter and check for {$1100.00} with a settlement letter. They cashed the check, yet left the {$8900.00} balance on our credit reports. We have gone back and forth for months until COAF, XXXX XXXX send us a letter saying they would accept the payment to settle this on XXXX. Except COAF is still posting the {$8900.00} balance? Will this nightmare ever end?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
When shopping with my daughter and friend for groceries, at check out my capitol one, gm card was refused to pay for groceries, Later when i called capitol one fraud center and spoke to XXXX ID # XXXX??? she said some groceries in XXXX were experiencing credit card fraud so they question all sales, My Complaint is if they are going to Arbitrarily discriminate XXXX groceries they need to inform card holders to stop the embarrisment at time of purchase.How can I cancell doing business with capitol one without effect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I have had an on going problem with Wells Fargo Bank Credit Card Division regarding Payments. My payments are due on the XXXX of each month. Most months I pay my payments weeks early, due to budget issues. My XXXX payment was made on the XXXX of XXXX. At the XXXX of XXXX I received some inheritance money and made some extra payments to the account. on XXXX I paid {$2000.00}. On XXXX my credit card bill posted online and I paid the {$290.00} plus an additional {$250.00} for a total of XXXX. They posted the XXXX payment to XXXX rather than XXXX and charged me a late fee. they removed the late fee but have refused to adjust the account. I went into the bank and had a banker talk to the credit card office twice and have a third appoint for XXXX. My last appointment only brought frustration for me and the banker. The bankers agree that I am right and that my account should be adjusted. The credit card division has been nothing but rude and condescending.They keep saying that they no long correct their accounting errors. I had this same problem in XXXX and XXXX. I turned it over to the Consumer Protection people for resolution and they had the credit card division audit my account. they ended up refunding me over {$300.00} in late fees. Since I have made this same complaint twice they will not help 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 monetary relief
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file

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 2022-01-06
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:
Earlier this year I had noticed accounts opened on my credit report without my consent, knowledge or permission. I contacted the creditors ( XXXX, XXXX XXXX, XXXX ) informed them it was fraud and closed the accounts. On XX/XX/XXXX I noticed the fraudulent information was still on my account. Where I then made a police report and wrote a dispute with supporting documents to have XXXX XXXX the fraudulent information from my account pursuant to FCRA 605B 15 U.S. Code 1681c-2. XXXX, Equifax, XXXX received my dispute with documentation on XX/XX/XXXX ( proof of receipt enclosed ). 

I also noticed XXXX, Equifax, XXXX was reporting my Covid-19 forbearance as late for six months. I sent them documentation showing I was under Covid-19 forbearance and covered by CARES ACT and that also my account with XXXX XXXX  was paid with a balance of 0. To date XXXX, Equifax, XXXX has not blocked all the fraudulent information on my account I pointed out only some and they have not updated my account with XXXXXXXX XXXX properly. I should state Paid/Never late/Closed. As the account was paid and closed with a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I took a 16 ' fall from my deck on or around 2015. I went to XXXX XXXX ER  ( NC ). I had a {$100.00} Deductible & paid that at ER. Remaining bill 's are XXXX 's responsibility. I called the Hospital & they were working with XXXX. I called XXXX many times. The $ 500+ is comprised of 3 different bills. Each call the XXXX rep said I owe nothing & they would pay. They paid 1 of 3. I called XXXX again, oversight sorry & they'll pay. They paid 2 of 3. I called again, oversight sorry, on XXXX 's part, they said they will pay & I thought it was resolved. It is crazy the # of times I had to call XXXX. Then I received notices from a collection Agency. I have since had to go on XXXX & I have no records from that period of time, I lost my home & have had to move 4 times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened my account with TD I HAVE A CHECKING AND SAVINGS ACCOUNT. 
THE BEGINNING OF MY PROBLEMS CAME WHEN I HAD FRAUD. I REPORTED THIS FRAUD AND WAS TOLD I WAS MOVING FUNDS BACK AND FORTH BETWEEN ACCOUNTS. IN ADDITION, FRAUD DECLARED WHEN I STATED THAT I DIDN'T EVER MAKE ANY TRANSACTIONS WITH XXXX. ALSO, THE AMOUNT OF FUNDS TRANSFERRED WERE EXCESSIVE. AT THE BANK, I ADVISED THEM THAT FUNDS WERE GONE OUT OF ACCOUNT. LAUGHING AT ME, SHE STATED, I WAS MOVING MONEY. I WAS NOT AND I ALSO STATED, THERE IS A POINT OF FUNDS EXITING AS OPPOSED TO MOVING BACK AN FORTH. 
' JUST YESTERDAY, I HAD SOME ELSE USE MY VOICE AS THEY CLAIM THEY HAVE VOICE PRINT TO IDENTIFY ME AND SOMEONE WAS ABLE TO MAKE A TRANSACTION. ON THE DAY OF THE XXXX, TRANSACTIONS NOW HAVE LEFT ME WITH OVER 3000 GONE. IT'S MY SSI MONEY AND THEY ARE NOT WORKING WTH ME NOR IS FRAUD. 


I SPOKE WITH XXXX, WHO IS IN 120 % AGREEMENT THAT SOMEONE INTERNALLY IS STEALING AND THAT THE BANK WAS NOT FOLLOWING THE FEDERAL GUIDELINES. THEY WOULD LIKE TO CREDIT MY ACCOUNT, DUE TO THE BANK REFUSING TO INVESTIGATE FRAUD. NOW, TODAY, THERE ARE NO RECORDS OF ANY TRANSACTIONS, ACCOUNTS, ETC. OPENED BACK IN XX/XX/XXXX-XX/XX/XXXX. THEY ARE SHOW ONLY 4 ACCOUNTS. 

JUST THIS WEEK, TRANSFERS, LINKING SAVINGS ACCT WITH CHECKING WERE DONE, 2 TIMES I HAVE HAD TO TELL THEM THEY WERE NEVER TOLD TO THAT THEY WEREN'T INSTRUCTED BY ME TO ALLOW MY ACCOUNT TO USE THE " GIFT OF GOING OVER MY ACTUAL BALANCE. SO, I WAS CHARGED WITH XXXX. THE BANK HAS REFUSED TO LISTEN, INVESTIGATE ANY FRAUD, STATING I WAS USING XXXX WHEN I HAVE NEVER HAD ANYONE WALK THROUGH MY DOOR. I DON'T AND WOULDN'T TRUST THEM. 

MY BANK, CLEARLY IS STEALING FROM ME AND IT'S NOT BEING ADDRESSED AT ANY LEVEL. 

ISSUED A XXXX CHECK WHICH ISN'T MY NAME, ACCOUNT AND FRAUD BUT THEY HAVE DENIED THIS AS FRAUD. 
2. WHEN I TOLD THEM THAT XXXX WAS FRAUD, I REC 'D A LETTER STATING THAT THE LAW UNDER FED E WAS MY PROBLEM. 

I HAVE OVER 15-20 ACCOUNT NUMBERS, NO STATEMENTS NOR ANY ABILITY TO GET THE 100 ATM CARDS WHICH ARE ISSUED. I HAD THE BANK ACTUALLY HAND ME A ATM CARD THAT I ENTERED A CODE/PIN AND THEY HANDED THE CARD WHICH DIDN'T BELONG TO ME AS WELL. 

I CAN'T BEGIN TO FIGURE OUT WHAT TO DO, AS THE POLICE REPORT THEY ARE ASKING OF ME IS NOT WHO SHOULD BE GETTING IT. 

THEY HAVE USED AND DENIED OVER 10-15K IN UNAUTHORIZED CHARGES, WHILE ANY OTHER FRAUD WITH MY CC OR CHECKING ACCOUNTS DON'T TDO THIS. 
THE BANK IS ASKING ME TO GIVE THEM ALL OF MY ACCOUNT NUMBERS THAT I HAVE BECAUSEE THERE IS NO TRACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following collection account and credit inquiry listed on my on my XXXX XXXX and Experian credit report is fraudulent, unauthorized and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/2018 and XXXX, XX/XX/2018.

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 2022-04-15
Company: EQUIFAX, 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 reporting act... 
The following Accounts .... 

Time payment XXXX XXXX XXXX XXXX services XXXX XXXX credit card XXXX XXXX card services XXXX XXXX Have all 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 consumer reporting agency can't furnish information on an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I DO NOT OWE DEBT. DEBT HAS BEEN REMOVED MANY TIMES FROM ALL OF MY FILES, BUT SUDDENLY REAPPEARED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
There was fraud committed against me in XXXX 2013 by sister in law that used to live with us. over $ 4XXXX in online charges were made by this person. shortly thereafter she moved out and left the state. I have called numerous times to Discover, filed fraud affidavit, and even a police report. They did credit most of the charges however, they left over {$800.00} for some reason. 
I am now learning about this as a result of being turned down for a car loan, because of the discover issue that is apparently reflecting negatively against my credit. 
This issue will now force me to pass up an opportunity to privately sell my current vehicle and most likely be forced to trade it in, in order to process the loan and obtain the new vehicle. This will cost me money I can not afford to lose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2015, a friend of mine in XXXX wired me USD {$500.00} from his bank, XXXX, in XXXX. Only {$470.00} was posted to my account at XXXX XXXX XXXX XXXX XXXX. He paid the wire transfer fee separately. On XXXX XXXX, 2015, he wired another USD {$500.00}, once again paying the wire transfer fee separately. Once again, only {$470.00} was posted to my account. I called XXXX XXXX, and they said that {$470.00} was all that they got. 
I contacted XXXX in XXXX via email, and they said that they sent USD {$500.00}, and that the Federal Reserve took out a fee of {$25.00} for transmitting the wire to my bank. I contacted the Federal Reserve, and they said that the XXXX XXXX XXXX 2015 fee schedule is {$0.00} for transfers up to {$14000.00}. 
Whenever I have received wires before from overseas, I have never had any fee charged. {$25.00} is not a large amount, but something may be going on that affects more than me. Somebody is taking out {$25.00}. I am getting no place in determining who this might be, and would appreciate your help in this matter. 
Thank you for all the great work that you do. Every American is proud of you and grateful for what you do. Keep it up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was a Discover customer for 8 years and used to love them. My account was always managed responsibly. I never had a late payment or went over the credit limit in 8 years. My last purchase on the card was XX/XX/XXXX. My last payment to the card was XX/XX/XXXX paying the full balance bringing the account to {$0.00}. Without notice, 11 months later, XX/XX/XXXX, Discover closed the account due to inactivity. I received notification from XXXX XXXX the account was closed and my credit score was  impacted. I called Discover XX/XX/XXXX and requested for the account to be reopened. Discover explained the account was already closed so my only option was to open a new account. I had always been a good customer and I thought we had a great relationship. 

While most of the country is being impacted by the COVID19 crisis and needs their financial institutions to be there for them, Discover wasn't there for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: KY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately

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 2016-09-01
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XX/XX/2016 I was informed by XXXX XXXX, the Director of Efficiency, Compliance and Privacy at XXXX XXXX XXXX, XXXX that a debt that was placed with the firm, Americollect, INC would be removed from my consumer credit reports. It has not been removed by Americollect, INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Credit determination

Complaint:
In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately, my XXXX report was frozen and not able to be accessed. However, my XXXX and XXXX reports were not, and now have a total of XXXX hard inquires from Capital One! This is ridiculous, and unnecessarily damages my otherwise excellent credit. I authorized only XXXX inquiry when I applied initially, not XXXX. As a result, while applying for another card I was denied. On the adverse action letter it stated the reason for denials was " too many recent inquiries '' ... unsurprising I suppose considering the damage Capital One recklessly incurred to my credit reports. This denial of my applications has had a tangible and negative effect on me ; I was counting on getting approved. I am hopeful the CFPB can assist me in getting this situation remedied ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: CO
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 was not done with the pics to upload. XXXX XXXX did send me the title and look at the date, it was 2nd week of XXXX that I paid it off and got my title. Experian did not bother to change based on info from XXXX XXXX. Experian has the date that still has old acct in Experian s system. But it is paid off.

And when I wanted to dispute with Experian, they again could not let me to dispute thru online but to call. 

Another, I use XXXX. Experian accused me for not making any payments. Uh?! I no longer use XXXX starting in XXXX! It is thru autopay.

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 2020-04-05
Company: EQUIFAX, 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:
XXXX, XXXX  AND EQUIFAX ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a fraudulent transaction on my Chase credit card from XXXX. They sent me a packet with the merchants response that I received in the mail on XXXX/XXXX/2017. I promptly mailed my response that evening to be picked up by the postal service on XXXX/XXXX/2017. Chase closed my dispute without ever reviewing the documents and when I contacted them via phone, this morning XXXX/XXXX/2017, they informed me they never received the documents and I told them to look harder and then they miraculously found them. They then informed me that they could n't reopen the dispute since it was closed and I 'd have to write a letter to reopen it. I asked them for the phone number of the dispute department to which the representative informed me that they have no phone. I feel like Chase did n't even attempt to resolve my dispute since they completely ignored my supporting documentation.

Company response to consumer: Closed with explanation