BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
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: Account status incorrect

Complaint:
I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my response to my formal complaint, and ask you to investigate the business practices of Equifax. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
They have no verifiable proof ( an original consumer contract with my signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. My ID has been stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX , XXXX XXXX ( XXXX ). Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Equifax failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts and persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: LA
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 received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my Experian account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX ACCT # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: BARCLAYS BANK DELAWARE
State: CO
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:
My XXXX  XXXX Barclays XXXX Credit Card account ( Last Four Digits - XXXX / Expiration Date XX/XX/XXXX ) was closed for lack of use back in XXXX. The account was closed without Barclays providing notice to me that I needed to utilize the credit card or the account would be closed. 

I appealed the decision via a Consumer Financial Protection Bureau complaint in XXXX and XXXX XXXX XXXX from Barclays investigated my complaint and found that my XXXX XXXXe Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was continuously declined at a number of different merchants. I left several phone messages to XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised and therefore I was never able to utilize my XXXX XXXX Barclays XXXX Credit Card. 

I then submitted another complaint to the Consumer Financial Protection Bureau regarding the fact that my World Elite Barclays XXXX Credit Card was not usable as promised. XXXX XXXX XXXX from Barclays once again investigated my complaint and found that my XXXX XXXX Barclays XXXX Credit Card account should be reopened ( see submitted letter dated XX/XX/XXXX ). Unfortunately, once again, even though the XX/XX/XXXX letter from XXXX XXXX noted that my credit card account was reopened, when I attempted to utilize my card within the window provided the card was once again declined a number of times. I once again left a voice mail for XXXX XXXX regarding this issue ( as directed in her XX/XX/XXXX correspondence ) ; however, my credit card account was never reopened as promised, XXXX XXXX once again never returned my call and therefore I still unable to utilize my XXXX XXXX Barclays XXXX Credit Card. 

I would like to be able to utilize my XXXX XXXX Barclays FXXXX Credit Card once again as noted in both letters from XXXX XXXX at Barclays. 

Thank you, 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 explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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 act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: MO
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:
In XXXX of this year I noticed an old XXXX XXXX account which did not apply for. I filed an Identity Theft Report and submitted the documentation to XXXX XXXX as well as the credit bureaus. XXXX XXXX continues to report the fraudulent account after receiving the identity theft 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 2017-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm complaining against this company for many reasons : # 1 I continue to receive documentation stating that these accounts are verified and yet I have proven that they are not - Equifax reports many of these accounts with historical payment data that clearly shows that I have been paid as agreed and yet reports the accounts with balances, collection statuses and other inaccuracies. I point this out and send the PDF reports as well as screenshots and still receive the same information each month with no difference in reporting. 
# 3 There are accounts that have had no updates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sirs at Chase Bank only - XXXX ONLY - NO XXXX Allowed. I speak with XXXX ONLY in XXXX, TX, I am not allowed speak with XXXX, period. 

I do not happy with Chase Bank - checking account opening new account. with my Coupon Code : XXXX, it was declined account. I felt Chase Bank discriminated against me cause of declined account. 

I am not like both of XXXX XXXX XXXX and Chase Bank turned me down that called discriminated addresses notified to U.S. Senators in serious matters.

Company response to consumer: Closed
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A : States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not report/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 explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$360.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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
Consumer complaint received 2015-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015, XXXX fraudulent balance transfers were made to my Capital One credit card. Within a few days I noticed the fraudulent activity and called Capital One to dispute the transfers to my account in the amount of {$4300.00} and {$5200.00} for a total of {$9500.00}. Capital One was very helpful and resolved the issue with a matter of a few days by removing the fraudulent transfers, in the amount of {$4300.00} and {$5200.00} to my account. Billing cycle XXXX XXXX to XXXX XXXX, 2015, Capital One gave me an additional credit for {$4300.00}, referring to this as a balance transfer adjustment - this additional transfer was a mistake and I called immediately to explain the additional funds were not mine as the fraudulent activity for that amount had been resolved. XXXX months later and XXXX phone calls with Capital One the credit of {$4300.00} was still on my account. I was still using the credit card account and paying the balance at the end of the month. On XXXX XXXX, 2015, Capital One sent me a check for {$3400.00} - money that is not mine. The XXXX XXXX to XXXX XXXX, Capital One billing statement showed no balance due - this is incorrect. I owed at least {$830.00}. The difference from the {$4300.00} credit. I seem to fail in my attempts to convince Capital One that the additional adjustment ( credit ) made in XXXX to my account is in error. I became so frustrated with Capital One after XXXX phone calls that I closed the credit card account. I also told Capital One that I had no intention of cashing the check for {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I believe in the month of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with Capital One in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by Capital One stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, XXXX XXXX collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping XXXX XXXX from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this Capital One debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Starting on XX/XX/XXXX all the way through XX/XX/XXXX there was a series of XXXX unauthorized transactions on XXXX XXXX through my Wells Fargo bank account and debit card. If my math is correct I was robbed of almost XXXX XXXX dollars in total. {$7800.00} to be exact. All of the transactions made were NOT authorized by myself and I never received any notifications of these transactions. In other words they were unauthorized transactions and/or fraud. I contacted Wells Fargo and their claims department and was told that they would do everything to help me and make the situation better. A few days pass and they advise me that they denied my claim and will not reimburse me for the amount we had agreed upon and said would be reimbursed after investigation was completed. I just had a son ( he is literally not even XXXX month old ) and I was in the process of putting a down payment for a house and/or buying a dually truck for my hotshot business Im in the process of starting. On top of this issue I had another XXXX issues with my account. These involve XXXX and XXXX. Its clear that the people that gained access to my account were simply trying to drain my bank account and were well versed in their scam and manner of taking money from their victims. The XXXX transactions started XX/XX/XXXX and lasted up until XX/XX/XXXX. There was a total of XXXX transactions totaling {$2500.00} with all XXXX added up together. Then to finish this all off, there was another set of unauthorized transactions made through XXXX. These started on XX/XX/XXXX and went through XX/XX/XXXX. There was a total of XXXX transactions and they add up to {$3100.00}. All in all the total adds up to {$13000.00} all together and its absolutely ridiculous that this is even possible.

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 2022-04-22
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XXXX XXXX a XXXX provider charged my care credit card for services that were not recived. I filed a dispute two times. Care credit sided with the merchant even after having proof the provider was make false charges to my credit. Now I am being forced by the credit company to pay for illegal charges made by the XXXX  provider. Ruining my credit even with all the proof that no of the services were ever received.

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 2022-04-22
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX of 2016 I bought a car that was a lemon it was repossessed in XXXX of 2016 6 years ago i has showed up on my credit as an open account and it was paid on time they will not show it as repossessed 6 years ago this is inaccurate 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 2015-09-06
Company: Investigation & Recovery Assoc. LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Investigations & Recovery had apparently been collecting on a debt for XXXX XXXX. This Debt was discharged in my bankruptcy Case # XXXX, XXXX. XXXX was giving the Stay order but instead they hired this collection agency in XX/XX/XXXX I believe in XXXX or XXXX to collect for the outstanding Balance. As this has transpired they have put not only XXXX collection entries but XXXX collection entries on my XXXX report. They had as of XX/XX/XXXX put on the report Included in Bankruptcy but refuses to remove the collection entry as it was reported after the bankruptcy was filed and the the stay order was already in place. They should have never put the entry on my collection report and it should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan from capital one auto finance and when I applied for the loan they rated my credit which was XXXX a loan rate of 23 % and other people were getting much lower rates, I 've noticed that the company seems to charge really high rates even when a person has decent credit. I am XXXX and had a hard time paying for the car note so I called them and did a voluntary return to them, after they sold the vehicle at auction they are now saying that I 'm still responsible for the interest on the car which is XXXX the car was n't worth that much to begin with. it was a 2013 Nissan versa.

Company response to consumer: Closed with explanation