BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX  Balance : {$24000.00} XXXX XXXX  Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} 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 explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: GA
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have resided in the State of Texas since XX/XX/XXXX and maintain cellphone service in Texas. 

On XX/XX/XXXX, I received a collections letter by mail from a debt collector called XXXX XXXX XXXX ( XXXX ), who was working on behalf of XXXX XXXX, a XXXX company. 

The collections was for unpaid cellular services in the state of Georgia and opened to someone at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, Georgia XXXX. 
XXXX said the balance was {$2900.00}. XXXX said it was XXXX. Either way, I didn't open the account. I spent several months trying to get assistance from XXXX and XXXX to remove this collection account from my credit report, but neither was being helpful or quick. On XX/XX/XXXX XXXX at XXXX advised me to get a police report and send it to XXXX, which I did. XXXX insisted this wasn't enough proof of fraud. I then worked with the 3 major credit bureaus XXXX, XXXX and XXXX XXXX to remove the collections account. Unfortunately, XXXX is being persistent in trying to force me to pay for a fraudulently opened account and this item is back on my credit report now for {$250.00} with a new collection company called Eastern Account SYS. 

XXXX won't remove the debt and each time there is a new excuse. I have provided tons of personal information that as a fraud victim I am unhappy to have to share including FULL social security number, bank statements, mortgage statements, deed, car insurance and each time they've come back wanting something else because I don't have any utility bills in my name. 

Xfinity/Comcast is at fault because they admitted to opening this account without any proper identity and address verification. The customer service agent who gave me the account number and address advised that XXXX has a practice of sending sales reps to apartment complexes and opening accounts on the spot without any verification. I am a victim of their poor business practices and now they are insisting on holding me accountable for their mistake. I have submitted all requested documents 4 times to no avail. This last time they said the docs I sent timed out. 

This business needs to be held accountable for poor due diligence at account opening and even worse fraud handling processes. I am tired of being pushed around. My near XXXX XXXX XXXX is damaged and I have been denied access to start up business credit twice due to their greed and poor business practices. They should be fined and have to pay restitution to me and all other impacted consumers for the inconvenience and damage to our finances and personal lives. Please help 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 2021-09-26
Company: REGIONS FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX I asked for Regions Bank in XXXX to deduct and pay a bill to my landlord until XXXX. 

I was robbed in XXXX of XXXX of my wallet which had my credit cards and debit cards. 

I notified the police and Regions Bank in XXXX and I submitted a police report except one report was not completed. The bank refunded the charge on my card by the crook. 

I need the statements for court but Regions has not responded to my XXXX  letter sent to the headquarters for 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 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
There are a lot of addresses on my credit report that don't belong to 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 explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 I, XXXX XXXX, consumer, and natural person, I am aware of all my rights that I have, and are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have also filed a complaint over 30 days ago to have accuracy issues as the accounts are STILL not reporting my information correct after there update and have given them 30 days per 15 USC 1681. I am not requesting that these accounts be removed immediately from my account unless you want to be held {$1000.00} per violation. THESE ACCOUNTS ARE SHOWING INCORRECT INFORMATON Accounts still committing violations per 15 USC 1681 after investigation : Account Name : XXXX XXXX XXXX Account number : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX Account number : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX  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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : US DEPT OF EDUCATIONXXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I had an Amazon Prime card, which I used infrequently. As with all my reward point cards, I used the card to garner points, and then pay the balance immediately after so I dont accrue debt.

I noticed with my Amazon Prime card, I was getting charged exorbitant late fees. If a card is paid late then thats on the consumerbut I noticed that my payments were late because when I went in to pay my balance, Amazon wouldnt show the full amount due, only the statement balance. So unbeknownst to me, Amazon set up a system to cause consumers whod thought they paid their bills to have interest and late fees billed.

When I called Synchrony Bank ( who owns the card ) to inquire why, they confirmed my suspicion. Outrageous. Even though I knew my credit would take a hit, I chose to cancel the card. 

Credit card companies should be required to divulge to consumers the full amount due to satisfy their debts, not just the amount that will garner interest ( and resulting late fee penalties ). I am reporting this practice to the FTC to inform others and prevent businesses from being able to do this to others. Especially for people who may use their cards quite a bit, its unethical for a company to not divulge the full balance due on the card on the payment screen.

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 monetary relief
Consumer complaint received 2020-09-30
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had multiple miscommunications with the phone staff at Comenity Bank. After being directed to XXXX XXXX site from Comenity I was finally able to set up payment and was told it was set up on automatic payment after calling in on the next statement to find out why a payment wasnt being processed. At that time, I was buying a house and the lender made paying off the line of credit a condition of the loan file closing so we ordered pay off information and the amount given was a just under {$5.00} short of the actual balance. Without knowing it, I began incurring late fees and I had multiple calls where I asked for more information ( the payment collectors had none and the customer service reps couldnt explain what happened- at one point getting two different amounts from two different people in the same call. ) All of these calls left with unresolved problems until my time ( usually over an hour ) ran out and I had move on and start over the next time I had a signficant amount of time to call. At this point, my promotional period expired. This incorrect pay off amount had left a final bill of {$560.00} by the time I was able to sit down and insist on answers and an explanation of what happened. Multiple miscommunications are clearly documented in the call logs and the financials clearly indicate an attempt to pay this off and settle it multiple times. At no point, did I not have the money to pay for this but I wanted to know what I was being charged and why. The company also said on multiple calls " Technically our phone staff doesn't have to provide all the correct information because we mail you your statement which outlines it all '' They need to provide better payment systems, clearer information, and better trained staff. These payment collectors and call center reps know exactly how to listen, brush off, pass off, and confuse a person looking for answers until the person is so exhausted they just pay. 

It is my firm belief that my records illustrate a clear intent by this company to have complicated payment systems and poor communication in order to delay their no interest promotions outside their payment period so that they can recoup the 29.99 % interest. 

This issue has effected my finances greatly as I leverage my credit heavily for my business and my personal investments. I have reached out to Comenity Bank and XXXX XXXX  on every survey available and every customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting 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:
All the credit inquiries on my credit reports from all 3 credit bureau from XXXX on up to XXXX I am not responsible, for I have tried to dispute these inquiries I even file XXXX XXXX XXXX to try to clear this problem up.Plus I was notified that my personal information has been compromised in the XXXX XXXX XXXX so i need these inquires deleted from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: MD
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: STERLING JEWELERS, 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:
I've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: DISCOVER BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received a letter from Discover Financial dates XX/XX/XXXX that stated they received an application to open a Bank Account but were unable to verify the information and rejected the application. I NEVER APPLIED FOR A DISCOVER BANK ACCOUNT. IT WAS AN ATTEMPT TO USE MY IDENITY BY SOMEONE ELSE. I called Discover and they did nothing to help me identify the source of the application. I asked for a copy of the application in order to see if there was a piece of information on it that would help identify the person who submitted it. They claimed they did not have the application and referred me to XXXX to put a stop on requests for my credit information. This is the second time someone has attempted to use my identity with a financial institution. You are the agency designed to protect consumers from financial fraud. I want Discover to provide a copy of the application that was rejected so I can see if anything on the application can identify who submitted the application. DON'T GIVE ME A BUNCH OF DOUBLE TALK. Help me to get to the bottom of who has attempted to steal my identity. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: PR
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 Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A company by the name of Cavalry purchased an account from XXXX XXXX. They sent a past billing statement they stated came from XXXX, but the amount listed as owed was much more then I had ever purchased as I didnt even have a car at that time. The amount listed as owed is listed on the statement as {$410.00}, but they didnt even have any individual purchases listed so that I could see what they were trying to bill me for. 

I was sent a card by XXXX over 4 years ago in 2016 and closed this account with XXXX a few months later in the same year. I closed it because I didnt have a car and not much use for it and because of a dispute with XXXX over billing as I had only used the card at one XXXX store buying chips and a soda a couple of times and putting gas in a friends car about 2 times, so the amount owed from my calculations should have been around {$100.00}. 

I am asking for your assistance regarding this matter as I feel as if I am trying to be taken advantage of. I do not know if it is being done on purpose or the result of Cavalry not looking into the details of this statement but it is clear the amount on the statement is 3 times as much as I charged on this account and 3 times as much as XXXX told me what was owed when I asked them to close this account over 4 years ago in 2016. 

This is especially disturbing to see because of the obvious discrepancies in what was actually charged and what they are stating is owed and the lack of a list of itemized transactions in the billing statement. but it is especially and even more so disturbing because this country is in the midst of a pandemic with deaths totaling over XXXX and the economy and jobs not being this bad since the Great Depression and people suffering from not having jobs and putting food on the table and this company is asking for me to send them 3 times as much as what was charged on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Someone open an Bank of America account in my name and they said I owe {$1000.00} and its on my Credt my identity was stole

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