BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Kohl's/Capital One closed my account before my payments was 6 months/120 days past due. 
There was a payments made XX/XX/2023 in the amount of {$100.00}! 
XX/XX/2023 in the amount of {$100.00}. 
My credit limit was {$300.00}. 
My balance as of today is {$240.00}. 
I've contacted Kohls/ Capital One and the representative offered to remove the late fees, but wasn't willing to explain why my account was closed before the 6 months/120 days of not receiving a payment! I've never been offered a payment plan or the opportunity to reconcile my account. When I asked to speak to a supervisor, I was told the supervisor wasn't available. According to my credit report Kohls closed my account XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Bronstein & Weiss Arbitration
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
For the past few months, they have been calling my work, and personal phone # 's and leaving threatening messages, all of which I still have on my voicemail. They have said that they will serve me with papers if I do n't return their call within a certain amount of time. I have never spoke to them, as I know they are a fraudulent company. They call from a spoof # locally, however they leave several different numbers to call them back on. ( XXXX, etc area codes ). I just want them to stop contacting me completely, especially at work. I have sent them a cease and desist letter via the XXXX in New York. Within the letter, I demanded they stop contacting me and to send proof of this " so-called '' debt in writing to my home address via usps. They have not responded, as of this date.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi, The following complain disputing again New Century Financial Services , Inc. for NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, New Century Financial Services , Inc. Has damaged my name, and my credit. New Century Financial Services , Inc. has entered derogatory information into my credit file. 
After multiple attempts to contact New Century Financial Services , Inc., The Company is unresponsive to any of my inquiry. A request has been made for the company to provide validation of this debt. So far, the company has not comply with this and Fail to validate and removed items from credit report in total amount XXXX {$720.00} and XXXX {$430.00}. The current account is a false account which I 'm not responsible for.

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 2023-08-04
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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 received emails that someone open an online checking account in my name and changed my email call bank today and they closed the account out.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX 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 2017-07-05
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: Their investigation did not fix an error on your report

Complaint:
I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a bank statement that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax did not consider this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. Equifax continues to show an erroneous 30-day late payment for XXXX XXXX.
<P/>
I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had one credit product, a XXXX card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the XXXX account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my XXXX  by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided a bank statement to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, this PROVES that my payment was made and was not 30 days late.
<P/>
Furthermore, when I click on the " Historical Account Information '' link I see that XXXX  has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says "XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX thru XXXX XXXX. The account was closed XXXX XXXX XXXX, yet Equifax is reporting that it was closed in XXXX XXXX.
<P/>
The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
<P/>
Equifax is the ONLY credit reporting agency showing this account as 30 days late ( XXXX XXXX ), XXXX and XXXX report this account accurately as " Pays as Agreed/Never Late. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2022-12-14
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited an envelope into the mailbox at the corner of XXXX  and XXXX XXXX on XX/XX/2022 and it was addressed to attorney, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Enclosed was a check # XXXX for {$2000.00} for his services. I made sure the envelope was completely in the box and left. After a week, XXXX XXXX called to say the check had not arrived at his office. Since I valued his services, I offered to pay him via XXXX and did that on XX/XX/2022 for {$2000.00}. On XX/XX/2022, I saw in my Ally Bank account app that the check, XXXX, had cleared but for {$5600.00} in the name of XXXX XXXX. I immediately called Ally Bank to tell them that I had been defrauded. They told me they needed to initiate a fraud investigation and that I would need to close the current account. That day, they created a new checking account for me and told me it would take approximately 2 weeks to resolve the issue. A few days later, they froze both the defrauded account and the new account and will not give me any further details regarding whether they will pursue a criminal charge or if XXXX XXXX is a legitimate person or a pseudonym. Currently, I have not been reimbursed for the {$5600.00} and have over {$9000.00} in the checking account that is inaccessible - Ally will not give me further details about how long this will last, other than to say it may be 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: LHR Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Saw a debt on my XXXX Credit Report from XXXX LHR Inc stating that I owe {$760.00}. The number is a non-working number but according to the report it was apparently an account opened with XXXX in XXXX. I contacted XXXX and verified that I never opened an account with them in XXXX. It would also have been impossible to open an account with anyone at that time since I was in XXXX training without any access to any media/internet/phone etc. It also states that I am making payments on this account but I am making no such thing. I would like this taken off my credit report as it does not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXX You are direct violation of the fair credit reporting act ( XXXX XXXXXXXX ) has violated several of my rights 15 U.S.C 1681 section 602 clearly states that 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 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these/all late payments and update these accounts immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023, I received a letter from " XXXX XXXX XXXX '' accusing me of being " severely delinquent '' on an alleged loan from Cash Store and threatening to take me to federal court on check fraud charges and giving me until XX/XX/2023 to make payment otherwise I would be served with a summons to appear in court. The company also threatened to call in family members, who they cited by name in the letter to testify against me. I have never dealt with this company and the debt according them was taken out while I was working with a company that I had not worked for in more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is fraud. I logged on to the customer portal and printed a copy of the recent statement. I have I reported on numerous occasions that this is unfair collection activity. The credit company has never provided me with a bill. The Company has not provided me with a bill. I am prepared to upload a copy of the statement directly from the portal that shows these amounts are not correct. I have never been notified of any other bill owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$510.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received an email from BoA saying an SafeBalance account was opened under my name and email. This is the second time it has happened to me, it back in XXXX or XXXX of this year. The first time, I was able to call BoA fraud department and was able to resolve it. But this is the second it has happened to me with my name and email, it means that they did not update their " check '' or " verification '' process. 

For completion or done state, I would like this account closed and get their process updated. I have not banked with BoA nor I have any plans in the future.

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 2018-11-02
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
SINCE XXXX  OF XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX NAVIENT DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XXXX OF XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND NAVIENT AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO NAVIENT BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from 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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 don't recognize and I didn't authorize the following inquiries on my consumer reports. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Please remove this inaccurate information. 
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 2020-03-31
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:
This is not my acct. This is identity theft. Someone used my name to get a loan.

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 2023-06-23
Company: Chime Financial Inc
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was issued a Chime debit card that I never signed up for. It's as if someone used my email, name, and old street address to create this account. It looks as though a different bank account is linked to the card, but I would like to have this account removed from my name and email entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Money was overdrawn from my account which is incorrect. Wells Fargo Representative/ Supervisor XXXX XXXX informed me on a recorded line that they can put your account in the negatives with their desecration whenever they get ready and feel like it

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