BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: Concentric Receivables Management, Ltd.
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 have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( XXXX XXXX/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( Concentric receivables Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXX XXXX sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX XXXX claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on Concentric Receivables for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX Concentric Receivables responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
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: Information belongs to someone else

Complaint:
I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I attached my social security number, drivers license and FTC report below.

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 2023-06-13
Company: CCS Financial Services, Inc.
State: AL
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:
The following accounts were reported to my credit file without my consent : Date Account Name & Number Action XX/XX/23 CCS CollectionsXXXX Added false information to file XX/XX/23 CCS CollectionsXXXX Added false information to file XX/XX/23 XXXX XXXX Added false information to file Under 15 U.S Code 1681b-Permissable purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: AR
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 checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance {$21000.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions 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:
Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called XXXX XXXX XXXX, the collection agents for my two defaulted federal student loans. ( XXXX XXXX XXXX ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program. 

I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. Experian says the baddie will stay until XXXX. XXXX!!! 

Called and wrote to Experian ( other two c.r.a. 's are not reporting the debt ). 
Experian reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''

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 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my credit report, I noticed that this late payment account is inaccurately reported, which is adversely affecting my creditworthiness. The account is : CAPITAL ONE/XXXXXXXX Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions. The evidence must include color copies of my ID and Social Security Card used to open this account.

Moreover, in alignment with 15 USC 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 unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case. 

If you can not produce the necessary documents validating this account and these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately. 

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 

Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I had received some money but then on XX/XX/XXXX I realized the money was no longer there. I then realized my bank card was also missing. Then I called my bank customer service and they told me that I could report any fraud until XX/XX/2023 which I found this very strange. After that I called XX/XX/XXXX and they said the money was in my account which it wasnt then a claim was made. Right after the claim was made they sent me a letter on XX/XX/2023 saying they were going to close my account. The bank institution is called citizens bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Had a secured credit card at Navy Federal. Went over secured credit limit. Remaining balance was decreased with the secured funds but the remainder sat for 9 months before I could handle the situation. The checking account was closed but the savings was still in use for the 9 months. Had transactions during this time. Two weeks ago I started back working wanted to take care of my debts. First check was basically absorbed by this process. Then I made another payment to the balance. With less than 400 left to pay it off the bank takes the remainder of my balance in my account and puts it in the negative. The bank says they have to put a hold on the account for the secured amount because the account still has a balance and if I want it lifted I have to pay off the remaining balance. During the last 9 months my account was open and being used. No hold. Now that I put a direct deposit in the account they put a hold on my funds without notice. They said they just took that secured payment in XXXX of 2022 but it was before that and like I said I have had random deposits go into that account. I want the hold lifted and any payments that was disrupted because of them set right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-08-09
Company: Seattle Service Bureau, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was injured in XXXX i filled long trem XXXX per the XXXX XXXX  I filed for XXXX. in XXXX of XXXX  I was contacted about overpayment and settled this account for XXXX Now Im being contacted again for the same account for overpayment again for XXXX  money I recieved. they are claiming more overpayment in the ammount of XXXX and want to settle for XXXX I told the collector XXXX XXXX ( senior account manager ) at national service bureau to send me corespondence documenting the debt. I told him I wanted to have my attorney review for validity. He became angery and informed me that if I didn't respond today him and his client would take legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was able to go into my experian and XXXX credit report when I first signed up less than 30 days ago. Now when I attempt to log in i keep getting an error message that my info is incorrect, which I know could not be correct because I saved my log in to my pc. After calling several numbers ( because Im locked out now ) I finally got someone on the phone that said they dont know what the problem is and could not help me. They told me to call me and hung up on 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 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a inquiry on my transunion credit report from XXXX. I have call transunion and XXXX and no help getting this inquiry off my credit report. I use XXXX XXXX for credit info. The inquiry took place on XX/XX/XX/XX/2018

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 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card from Bank of America which I had closed about a year ago. However, the past three months, I received invoices form Bank of America charging me fees as follows : XX/XX/2020 {$79.00} XX/XX/2020 {$75.00} XX/XX/2020 {$79.00} But as I said I c losed my account about a year ago. 

the credi card account number is XXXX XXXX XXXX XXXX Cash RewardsWorld Master I think the Bank of America branch is XXXX XXXX XXXX XXXX, XXXX Fl XXXX. 
I filed a complaint with XXXX XXXX XXXX ( XXXX ) ref : XXXX This month I received a notice from Credit agency XXXX saying that Bank of America has rported me as delinquent.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Some one hacked in to my Experian on line account with his/her recovery email and telephone number. I am not able to recover my www.experian.com on line account. 

I need to recover my www.experian.com on line account with my own email address : XXXX and cell phone number - XXXX. I need Experian to update this information from their web site. 

I want to manage my Experian account by myself. I called Experian with this phone number - XXXX many times since XXXX. I tried to log in to my Experian account, however, my Experian account was hacked in and recovery email was sent to the email that hacker created. I have not been able to recover my Experian account yet. I mailed letter to Experian this XXXX with letter and my copy of drive license and utility bill ( this is the address I mailed to Experian - XXXX XXXX XXXX, XXXX, TX XXXX XXXX I asked Experian to recover my on line log in account, However, no any reply from Experian at all. 

Experian is putting my credit on high risk by not responding consumer 's request to recover account. I want Experian to response for any Finanancial loss due to not able to recover my on line log in account. 

I submitted this compliant to request Consumer Financial protection Bureau to help to contact Experian to help me solving these issues.

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 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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 XXXX, 2021 two fraudulent transactions were processed on my BOA account. On XX/XX/2021 I called Bank of America to report the fraudulent transactions. The fraudulent transactions are in the form of a " requested refund '' - which I did not request nor authorize. When I called on XX/XX/2021, I was informed that a " claim '' would be filed & the issue would be resolved in 5-7 business days. I did not see any resolution or status update. I called BOA again on XX/XX/2021 ; XX/XX/2021 ; and again on XX/XX/2021 - each time being told a " claim '' was being filed & it would now take another 10 business days. I have never received a follow up from BOA or any kind of a claim number. The amount I am disputing totals {$5500.00}. I've also recently noticed a charge for " interest charged on purchases ''. I have NEVER seen this type of charge on any of my billing statement. I am curious if this new " interest '' charge is retaliation for my complaints. The disputed amount is an enormous amount of money for me & my family. I have been a BOA customer for 17 years, never missed a payment, have never had a dispute before, and have excellent credit. Feeling helpless regarding personal finances is unacceptable. Bank of America has been negligent regarding suspicious activity on my account, and in their flippant resolution practices.

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 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One card says that primary card holder is eligible for {$300.00} travel credit when booking through the portal, but does not specify that it has to be booked through the primary and holder portal. Authorized user booked flight for primary card holder through the portal and did not get the {$300.00} travel credit, even though in the fine print there was nothing indicating that this transaction was not eligible. Moreover, when the authorized user logs into the travel portal, one of the first travel benefits that pop up is the {$300.00} travel credit ( without disclosure that only primary card holder is eligible ). This feels highly deceptive as bank refuses to apply travel credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a 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