BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: A.R.M. Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX KY XXXX has mailed me numerous invoices for services that I have not agreed to. The total is {$340.00} for a tank pick up fee that I did not agree to. I have contacted XXXX  over the phone to dispute this invoice and was told that they would send me a copy of the original signed contract that I never received. I haven't ordered gas from them in 4 years. I had called their office and requested to remove their tank 3 years ago. It occupied my property until they removed it last year. Since then XXXX has turned the invoice to the collections company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have requested 3 times proof of billing from XXXX. XXXX did send fraudulent invoices that were vague and not detailed itemized invoices. XXXX has not provided any services to me or my property in over 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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:
Sometime between XX/XX/2023 and XX/XX/2023, an unknown person applied for a credit card with CAPITAL ONE BANK USA in my name. I did not authorize this application. 

CAPITAL ONE BANK USA made a hard inquiry from credit reporting agencies which lowered my credit scores and I received an alert through a third party app, XXXX XXXX. 

I called CAPITAL ONE BANK USA to report unauthorized inquiry and/or fraud and to ask them to cancel the card and remove the inquiry. CAPITAL ONE 's customer service would not have a conversation about the issue unless I gave them my CAPITAL ONE account number. I explained repeatedly that I do not have a CAPITAL ONE account number and that the transaction was not authorized. They told me to contact the credit reporting agencies. 

I did contact the credit reporting agencies and they all told me that I need to contact CAPITAL ONE to make sure they remove the inquiry and cancel the credit card. When I told the reporting agencies that CAPITAL ONE would not talk to me unless I had a CAPITAL ONE account number, the reporting agencies told me to file a complaint with FTC. FTC forwarded me to CFPB, so I am filing the complaint here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
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:
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. The consumer reporting bureau XXXX, Experian, XXXX and the Domestic relations secretary of XXXX pa XXXX at XXXX XXXX XXXX are boldly violating my writes to privacy and are reporting inaccurate information on my consumer report. I never gave any of these companies written instructions. In 15 U.S.C 1681 section 602 A. States 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 2023-03-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sent money out through my Chase checking account to a XXXX XXXX account for an invoice of {$1900.00} on XX/XX/2023 XXXX  XXXX Account unexpectantly canceled the money transfer, and the money has not yet been received to the original checking account for over 7 business days, well after I was told directly by Chase that it would take no longer than 2 business days.

Chase has yet to do anything to resolve this issue and have hung up on me multiple times after speaking with their fraud department and wire research center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: The CMI Group, 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:
This has been reporting in my credit for almost three years now I have been filing disputes with XXXX XXXX and XXXX with no success. I filed a dispute directly with the company in XXXX of 2022 showing them where I have lived in ga for over 5 years before during and after the date in question of when the account was opened. I reside in ga this account was opened in Virginia somewhere. They still would not take the account down and I have exhausted every option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I requested an external transfer from Citibank. The request was scheduled for XX/XX/XXXX. The transfer " failed '' according to Citibank despite there being no problem when I submitted the request. Then, the yardstick moved to say no external transfers until XX/XX/XXXX. I have tried multiple times. No transaction is allowed to go through. I have only been allowed to make 2 withdrawals a month since XXXX as I try to remove all of my money and close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am writing regarding a concern about an action taken by WSFS on all of their customers, including myself. On XX/XX/2023 at the end of the day, just before a holiday weekend, WSFS blocked all of their customers from access to their personal online banking. The only way to access one 's account was to read, analyze, and agree to 14 pages of legal documents ( small print ). As a successful businessman I can tell you that it was more than I could even understand in a short time. 

Further, when I contacted the regional manager for WSFS, he lied to me, telling me that I was merely acknowledging the receipt of the terms, not necessarily accepting them. This is not true. 

I contacted 5 members of the executive team and wrote a certified letter to the legal team asking for the terms to be explained to me, but they have not responded. 

I don't understand the rules of banking, but I feel that holding people 's money hostage like this could, or should, be illegal.

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 2023-03-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID
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:
On XX/XX/2023 I sent NMAC ( Nissan Motor Acceptance Corp ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the XXXX on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by Nissan motors acceptance corporation that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: OK
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:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX  XXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account : XXXX XXXX Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2023-03-15
Company: Experian Information Solutions 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 status incorrect

Complaint:
I am disputing derogatory information that Experian is reporting for an account on my credit report. The account is with XXXX XXXX XXXX XXXX which they are reporting 120 days late. I was never late 120 days. In XXXX, my payments were deferred due to covid. There should be no late payments reporting due to the CARES ACT. Also, how is that XXXX isn't reporting the supposed late payments? All data furnished should be accurate and cohesive so there should be no inconsistencies between the bureaus unless there is inaccurate reporting. Also, how are you reporting that I am 120 days late, when there is only 1 late payment reporting? I am demanding that the late payment for XX/XX/2020 is removed from my credit profile immediately. There was never an investigation done because my account was never updated stating that it was in dispute, and if an investigation was done, they would have realized that the payments were deferred hence why XXXX is not reporting lates.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX XXXX  XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior Huntington Bank checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. Huntington has confirmed that they recycled my Huntington Bank checking account ( account no. XXXX ) and that this account is now with another consumer. However, Huntington will not return my funds. I have been trying to coordinate with Huntington for almost a week, but they refused to transfer back my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Cascade CISS Holdings, LLC
State: MA
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:
Hello! i hope you doing well, I noticed unauthorized inquiries on my credit report that I like to be removed, and according to FCRA these unverified and unauthorized items must be removed, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Citi Bank Simplicity card and received it in the mail about 4 weeks ago. They had an advertised special of being able to make balance transfers with 21 months 0 % interest and a 3 % balance transfer fee good for 3 months that is good on my card until XX/XX/2023. When I received the card, I set my account up online. I had to go to Citibank.com to set it up and I did it successfully. I decided to do a balance transfer today. I could not log on. It said my password was incorrect but it wouldn't let me change my password, even with trying to put in the 16 digit account number. There were two phone numbers listed to call for help. Neither number was an operating number. The numbers are XXXX and XXXX. I called the number on the back of the card. I was on the phone with them for over an hour. They could not verify my account, not even my phone number. They tried to text me a verification code to m phone, but it would not come through on my phone. Even with the 16 digit card number and the security CVV code on the back, they couldn't verify my account. They kept saying I had set up a security code when I registered on-line and wanted that code, but I was not asked to set up a security code in the first place. Also, when I tried to sign in on-line, it says they are in XXXX. I talked to two women I could not understand. At the end of the almost one hour conversation, she wanted to send me a verification letter in the mail. I told her no, that I'm not waiting on a letter and that I think they are a scam company. I told her I want to close the account but she totally ignored me and kept saying they would send me a verification letter. I finally hung up. Now I'm really afraid this is a scam and I'm afraid charges are going to be put on this card that are not mine. The last woman I talked to was supposed to be in he technical support dept. That number is 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 2023-03-15
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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