BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am stated to owe my discover card over XXXX which was not my fault, when I called customer service on XX/XX/2021 i had stated that i have made an XXXX dollar payment towards my card. then i has notcied a day after my limit was reached. I had called and made sure that my payment was processed and was wondering I was at my limit. A week and a half goes by and Im at my limit again so I cant Im OK I get paid every two weeks and I just put {$1000.00} payment which was my check at that time into the card. then I was told that I didnt have enough money in my debit cards account and it was sent back. I have never received that money back. I stated to another customer service representative my issue they investigated it and said yeah that doesnt make sense since. then they have closed my account stating that Ive committed credit bureau fraud when I havent done anything wrong. when I called the board to say if I committed this XXXX is my money or why dont I have my money I get no reply except for I dont know the board directors have canceled your card and now I can not pick up my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: CT
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, State of Ct Department of social service Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX Bank acct XXXX XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Have 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 an account without my written instruction.

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 2020-08-18
Company: Experian Information Solutions Inc.
State: MS
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:
This is my third attempt to resolve this issue. My name is XXXX XXXX and this complaint is done by me. Experian did do an investigation and responded by saying they did not believe I was responsible for summiting the claim, which is an insult to my intelligence and ability find information given by the FCRA.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: NY
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:
In 2018, I walked into the store XXXX XXXX  to purchase glasses, when I got there I was told their company is fairly new and is offering fianancing as an option to retain glasses, the sales rep was very adamant in me taking the fianance option. I did, I paid the intial application fee and first payment the said day, I went back to collect my pair of glasses. When I got there, XXXX the company of whom I leased my glasses from were already on the phone speaking to the rep, I was advised by the employee to advise XXXX that I had received my merchandise ( I had not looked at my glasses, or saw what it was, but I was told to tell XXXX I got my merchandise ) I did, I went home and opened the glasses case and there were no lens in my glasses, I called back and went back to the store, they told me they will have my glasses back to me within 1 week, I called XXXX at the time to stop the automatic payments that were supposed to be deducted from my account because I HAD GIVEN THE STORE BACK THE MERCHANDISE. I waited and called for about 2 weeks, and did not ever recieve my glasses back. I recently went back to the store after reviewing my credit report, which is being reported as collection and open, and was advised by the current employees that XXXX XXXX who was the employee at the time ) was no longer there & this institution had no knowledge or records of who I was. I called XXXX and spoke to rep XXXX in resolutions department who told me there was nothing he can do, as the balance is from 2018, I had no choice but to pay it. He also advised this balance had since been paid from an insurance claim filed by XXXX. I have disputed this entity on my credit report for years, and was advised by an Experian employee agent to file a complaint with your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company is called XXXX XXXX XXXX IN. The original creditor is XXXX XXXX Apts XXXX. This agency continues to violate my fair credit reporting act.By continually reporting different amounts owed. Please help me on this matter. My next step after this resolution is to seek counsel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: National Credit Systems,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:
Company put a debt on my credit report that does not belong to me. It belongs to my ex wife. I have not resided with her since XXXX  and this debt is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. This ADDRESS is fraudulently on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please send me verification I authorized these : This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting 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 explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX XXXX Balance {$2000.00} and DEPTEDXXXX XXXX Balance {$4500.00} which XXXX, XXXX and TransUnion have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.

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 2022-08-23
Company: Experian Information Solutions Inc.
State: WI
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:
THE INVESTIGATION WAS TO BE CONCLUDED AS OF XX/XX/XXXX XXXX AS STIPULATED BY EXPERIAN, NOW THEY JAVE FRAUDULENTLY STARTED ANOTHER CLAIM IN ORDER TO CIRCUMVENT THE SYSTEM, THE INVESTIGATION WHICH WAS TO BE CONCLUDED AS OF XX/XX/XXXX WAS NEVER RELAYED TO ME AS THE CONSUMER, I HAVE NOT BEEN GIVEN THE RESULTS OF THE INVESTIGATION FROM XX/XX/XXXX TO XX/XX/XXXX, I HAVE NOT BEEN GIVEN ANY PROOF OF INDEBTEDNESS FROM EXPERIAN. THEY ARE ATTEMPTING TO USE MY COMPLAINT AS A MEANS TO OPEN ANOTHER DISPUTE, WITHOUT GIVING ME AN ANSWER AFTER I HAVE WAITED IN EXCESS OF THE 30 DAYS, THE ALLEGED CREDITORS FAILED TO PROVIDE PROOF. I WANT THE STATUS OF MY PREVIOUS DISPUTE. I CAN NOT INITIATE A NEW DISPUTE WITHOUT KNOWING THE STATUS OF MY PREVIOUS DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid my fianc had passed inXX/XX/XXXX XXXX and my bills sat because of my XXXX & XXXX. I made a call set up payments & paid on time as agreed. I was advised that once paid it will be removed from my credit report from all 3 bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: AXOS FINANCIAL, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After doing a bit of research online for best checking accounts my wife and I recently opened a joint Axos Bank account based on the recommendation of a number of reputable sources : XXXX, XXXX, etc. Less than a month later on XX/XX/2022 our account was compromised and a {$2500.00} XXXX transfer was initiated from our account. 

Seeing no obvious way to cancel this online we both tried to contact the bank to stop the payment. She and I spent a collective 8 hours calling phone numbers, and chatting with online chat bots trying to speak with a person to cancel this transaction. 

I was never successful in speaking with a person. She finally got a person on the other end of the online chat who told her to initiate a Stop Payment which cost us {$10.00}. We were told wed get that money back, but how? Who do we contact about that? It is impossible to find someone to speak to at this bank to perform basic tasks and avoid getting charged large sums of money for transfers we didnt initiate. 

After doing additional research online it appears that a huge number of people has also had similar experiences. 

The rise of AI customer support has left consumers wasting time, energy, and money as we try to puzzle our way through menues, and voice recognition software. These services are expanding and helping the consumer less and less. This could have cost us {$2500.00} if we were not paying attention. Outsourcing customer service to robots is not the future, despite what big tech tells us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX Date of inquiry XX/XX/2021 ; XXXX  Date of inquiry XX/XX/2021 ; XXXX Date of Inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an 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 2022-09-30
Company: Self Financial 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, this creditor has violated my rights under 15 US C1681 section 602 states I have the right to privacy section 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 US C section 166B a creditor may not to treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: LA
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:
Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation and reinvestigation has expired and shall not be extended by law. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  and Equifax have 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 an account without my written instructions. DELETE these Five ( 5 ) Hard Inquiries immediately. 

XXXX. XXXX XXXX XXXX XXXX ran a credit inquiry on me on XXXX. 
XXXX. XXXX XXXX XXXX ran a credit inquiry on me on XXXX and XXXX. 
XXXX. XXXX XXXX ran a credit inquiry on me on XXXX and XXXX. 

A review of my Equifax Investigation Report # XXXX that the revealed XXXX ( XXXX ) Hard Inquires were not DELETED from my consumer report. I did not give my written permission for anyone to access my consumer report. Pursuant to the FCRA, no one may access my credit report without my written permission for the purpose of extending credit. 

On XX/XX/2022, the CFPB issued an Advisory Opinion concerning permissible purpose required to use and share a consumers credit report.

The FCRA and the CFPB Advisory Opinion states that Equifax must use reasonable procedures to ensure maximum accuracy of permissible purpose. Equifax must furnish documentation of a credit application with proof of signature showing that I indeed applied for credit with this company. These unverified Hard Inquiries are in violation of the FCRA and the XXXX XX/XX/2022, Advisory Opinion concerning permissible purpose required to use and share a consumers credit report. Equifax must DELETE the alleged inquires immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Personal information incorrect

Complaint:
In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. These ADDRESSES are fraudulently on my credit report, XXXX XXXX XXXX XXXX XXXX, TX XXXX. These EMPLOYERS are fraudulently on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX. Please send me verification I authorized these : This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.

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 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was notified by my mom that she had been getting emails about me opening a CapitalOne 360 checking account. It was under my maiden name, XXXX XXXX. I never opened an account, so I called them and they closed it immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
CapitalOne charged me back twice for a disputed charge that occurred in XX/XX/2019. Due to dissatisfaction with the merchant I contacted Capitalone to dispute the amount of XXXX $ they requested more information that was provided and then without giving mr the courtesy of a phone call or letter charged me back the amount twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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:
Good morning, I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without consent. I did not benefit from any goods or services of these fraudulent accounts opened in my name. I am requesting for Experian to block and remove these fraudulent accounts within XXXX days under FCRA 605B. I have attached a copy of my police report, FTC report and XXXX to support my claim. Please obey the law and block and remove these fraudulent accounts immediately. In the past, I would send your company letters as well as upload documents on your website portal and your company would always lie and tell me that the documents were illegible or you did not receive my mail even when I have sent certified letters with read receipts. I have spend a lot of time and money disputing with Experian. Please block and remove these fraudulent accounts IMMEDIATELY : XXXX. XXXX XXXX Account number # : XXXX XXXX. XXXX XXXX Account number # : XXXX XXXX. XXXXXXXX XXXX Account number # : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$5200.00} XXXX. XXXX Account XXXX # : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number # : XXXX XXXX XXXX XXXX BANK Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX Account Number # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number # XXXX Balance : {$1800.00}

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 non-monetary relief