BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
credit acceptance incorrectly reporting late payments on my account. I was NEVER notified 30 or even 15 days before my payment date nor was I notified ON my payment date. Which is resulting in misinformation and low scores. Currently I had a joint account with my x wife & the information thats being report on my report and her report, about the same account appear to be reporting differently.. I called credit acceptance to get this matter resolved. But sadly could not. i was told it was my fault and the could not do anything about it. I file a complaint wit the XXXX  Credit acceptance called and said that they will investigate. But investigation was just questioning my on the phone before telling me they could not do anything about it. so NOTHING as be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Canceled my XXXX account and returned the equipment as required. Was contaced by XXXX and was told my account would automatically renew without my consent, and at any rate that they decide to charge. They claim that I has a contract with them, and if that was true ; that changed the terms without my consent. That doesn't sound like a contact to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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:
Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX 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 the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-04-25
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:
My name is XXXX XXXX. I reached out to Experian the credit bureau. Refusing to assist in removing fraudulent activity on Experian 's account. Several inquiries such as XXXXXXXX XXXX XXXXs, Auto loans, House loans, and many more that do not belong to me. I'm a victim of Fraud. Agents will slam their keyboards while talking to me, asked me to file a police report, and refuse to assist 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 non-monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

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 2023-11-10
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX, I received a collections notification from a company called Hunter Warfield stating I owed XXXX XXXX XXXX {$450.00}. I spoke with a representative on XXXX via phone at Hunter Warfield to ask what this was for and was told it's my final bill. 

I never received a final bill and have an email thread confirming that XXXX XXXX XXXX never sent the final bill to me. They sent it directly to a collection agency without giving me the opportunity to pay for it. 

I believe this was intentionally done to hurt/harm my credit and future housing opportunities. 

Only {$58.00} of the bill is for utilities such as sewage, water, and pest control. The other {$400.00} is for removal of items left in the apartment which my deposit should partially cover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

Equifax Mortgage Service - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


Equifax Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in north carolina has expired. 
Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Bright Capital Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/14 XXXX and online company that claims to provide you with an up to {$8000.00} credit loan misled me. Once I entered in my information on their app I received a message that I was signing up for a credit builder program as soon as I saw this I closed out of this app as this is not what I agreed to. A couple days later I had a {$10.00} charge and {$36.00} charge deducted from my bank account. This was not authorized. I reached out to the company via chat and was informed they could not help me via chat. I have continuously tried to reach them via their customer service number and you receive a message that no one is available and then hangs up. I have emailed them multiple times and receive an auto generated email that states they have received my email and no other response to my concern. This company needs to be investigated for fraudulent activity and I need the funds they have deducted from my account to be refunded immediately and to make sure they are not able to deduct anything else from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2022 I scheduled a payment of {$540.00} to JP Morgan Chase Bank for a payment to my auto loan. My Chase Loan number is XXXX. On XX/XX/2022, {$2300.00} was debited from my check account with XXXX XXXX XXXX XXXX. I called Chase and spoke to a representative. I explained to him ( XXXX ) that I did not authorize {$2300.00} to be debited from my account, but that I did authorize {$540.00} to be debited. 
He told me that in order for him to get this reversed, he would have to transfer me to a manager. He transferred me to a manager ( XXXX ) who reviewed my account and told me that my account is now in good standing and that most of the payment was applied to the principal and he would not reverse the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1700.00}

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 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I make a purchase at Beyond the Soap Beauty Ba at XXXX XXXX for the amount of {$64.00} and another for {$160.00} after the second purchase me and my wife was advise the because our purchase was over {$200.00} dollar we where allow to participate in a program the store offer call before and after in this program you get six ( 6 ) facial treatments with a facial machine at the store and they gift you {$350.00} in facial products by only authorize the store to take photos of your face fir advertising as we accept during my facial procedure with the machine I start feeling dizzy do to the effect of the machine that triggers XXXX in persons that suffer light sensitivity to lights as I suffer from XXXX diagnosis by a XXXX I was in a pre XXXX attack at that moment the sales person ask me for my credit card to make a refund in the purchase of the two product I buy because they will give me the gifts of the products for accept the before and after promotion as I give him the card for the refund I was almost out do to the XXXX at that time he came back with the bag of gifts and tell me the receipt for the refund was on the bags as I go out the store find my wife at the XXXX XXXX and she ask me how I look in the middle of the XXXX attack I find out that the machine they used on my trigger the XXXX, my wife find the receipt for a charge of {$1900.00} not the refund, we go back to the store to return the products but the employees can do the refund because the manager wasnt at the store to call the next day as we call and take us two days later to get in contact to talk me no return policy the credit card company denied my claim for no evidence but pay the merchant three ( 3 ) days later when ask me to wait five ( 5 ) days for the charges to show up I call the XXXX XX/XX/2023 and they pay on the XXXX XXXX XXXX never authorize the purchase of this products I have them on my possession waiting to be returned to the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A friend asked me if he could send me {$3800.00} on PayPal and I give him cash so I agreed and we completed the transaction on XX/XX/XXXX. We initially tried this on XX/XX/XXXX but we ran into a hiccup and agreed to pick it up the following Monday. After the transaction was complete, I attempted to transfer my PayPal balance to my bank and the transfer was flagged and placed on a XXXX hour hold for investigation. After the investigation was complete I received a notice and email from PayPal saying I was no longer allowed to do business with them and that my funds would be placed on hold for 180 days. Ive tried to resolve the issue with them and apparently theres nothing that can be done to overturn the decision. Im fine with not being able to do business with them because I no longer have the desire to, but I demand my money be returned to me immediately. PayPal is stealing from me during my time of need. If my money isnt returned to me in 30 days, I will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: FinCo Services Inc DBA Current
State: NE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Current online banking. My account has been locked for about a month now dating back to XX/XX/2020. I was told Id be contacted within 3-5 days by their account service team which I have not. Ive talked to over 8 people and theyve all said the same thing. They wont unlock my account, contact me, or let me pull the money that was put in there from direct deposit out at all. Ive emailed them 5 times already and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Social Finance, Inc.
State: WA
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:
Im writing this complaint since I have no other way to solve problem with SOFI. The problem is following:

OnXX/XX/XXXX, I made a transaction with XXXX XXXX XXXX for $XXXX (Transaction ID: XXXX). However, I never received the order. I tried to contact XXXX XXXX XXXX but can not solve the problem. I made a dispute with SOFI. Since its a credit card, I should not be liable for this type of charge. However, SOFI never get back to me. The dispute claim number is XXXX. The representative who handle it is XXXX  ext XXXX. 2 weeks after initiate the dispute and dont see any confirmation from SOFI, I called back in to customer service and they advised that the dispute is closed because they need more information from me. To be specific, they want to know how much for each pallet of flooring that I ordered. But in reality, I never receive a call, email or mail. They denied, and closed my claim without my acknowledgement and proper reason. I told the customer service agent that I can give them that info so they can keep disputing it for me. The agent gave me XXXX  contact and also ask XXXX  to get back to me. When I call XXXX, even during business hour, it always goes to voicemail. I left her 2 voicemails (10 days apart). She never answered to those voicemails. I tried to call back in and tried to leave more voicemails but the voicemails box of SOFI Dispute department is full so I cant do anything. I tried to call back to customer service and have been talking to many different operators. They all gave me the same information that they will contact the Dispute team and escalate it on my behalf and I should hear back with in 48 hours. It has been months and I dont hear anything back. The operators ID are: XXXX, XXXX, and XXXX. In the meanwhile, Im charged for interest on the purchase, and my credit score is going down because of the higher credit utilization. 

On XX/XX/XXXX, I filed a complaint with the XXXX (XXXX XXXX XXXX), and quickly after that, SOFI responded to me. They promised to work on the claim. 

On XX/XX/XXXX, they sent me a letter in the mail saying that the dispute is resolved in my favor and the credit is now permanent.

On XX/XX/XXXX, There is a charge from XXXX XXXX XXXX on my account (Transaction ID: XXXX) for $XXXX (exactly the same as the charge before).

Since that time, I tried to contact SOFI many time by email, and phone call, but there is no luck, they are not reachable.

Please help me solving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX  XXXX - XXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: LEXISNEXIS
State: LA
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 submitted a dispute in reference to an account that being reported on my business credit report that doesn't belong to me. It's been over 60 days now and they haven't finish the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
incorrect information on my credit report # XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX # XXXX XXXX  XXXX Bankruptcy on XXXX XX/XX/XXXX # XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX # XXXX inquiry XXXX XXXX XXXX Bank XX/XX/XXXX # XXXX XXXX  XXXX Bank 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 explanation
Consumer complaint received 2017-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I was trying to pay my credit card account from my savings account, which had sufficient funds in it. Chase was unable to connect to my savings account and refused the credit card payment. I attempted to pay again through the account, and was refused again. I switched to connect to my checking account, which was accepted, and made the payment and it was accepted, however i was charged {$25.00} for each of the refusal fees for a total of {$50.00} Date of first attempted payment : XX/XX/XXXX Date of first fee : XX/XX/XXXX Date of second attempted payment : XX/XX/XXXX Date of second fee : XX/XX/XXXX I was not notified of these fees, even after the payment failed, i only saw it when i checked my statement. I also had sufficient funds in my account and Chase failed to connect to my external savings account.

Company response to consumer: Closed with monetary relief