BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Bread Financial Holdings, Inc.
State: IL
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:
2 accounts Victoria secret/ComentityBank, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so Victoria no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and these accounts are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE
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:
I, XXXX, a federally protected consumer has been abused during this unfortunate time of the pandemic by Chex Systems Credit Reporting Agency. Chex System has repeatedly tarnished my name and destroyed my reputation over and over again. I have attached exhibit A green return receipt showing that I have tried to resolve this matter with them. According to 15 USC 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) a consumer credit report shall not include transactions or experiences between consumers and furnishers. Chex System has quite a few transactions between myself and different furnishers clearly violating this federal law and destroying my family. The Federal Credit Reporting Act was put in place because the banking system is depending on fair and accurate credit reporting. Chex System has breached my privacy by sharing unfair and inequitable information about me to different companies without my written consent pursuant to 15 USC 1681b. I am seeking justice and my remedy to be answered and acted upon accordingly with my direction. This is a warning.

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 2023-06-12
Company: Early Warning Services, LLC
State: NY
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:
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXX included in the file Early Warning Services maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Its been four years and I dont get receive any tangible reason. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 


Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Mr. Cooper Group Inc.
State: AZ
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:
With my credit card from Mr. Cooper ' XXXX XXXX Card, I purchase three vitamin supplements from XXXX, MD totaling {$1500.00}. When I took these vitamins, they made me sick so I sent them all back by means of XXXX. Everything was delivered to XXXX, MD and I received a refund to my credit card account of {$270.00} and {$170.00}. However, I never received a refund from the third purchase and the XXXX receipt showed it was delivered and the receipt was signed by a representative of XXXX, MD. 
I disputed this charge to my credit card company and they just told me there was no charging error and they left the charge on my credit card account. I disputed this again to the credit card and I got the same answer. To this day I keep getting charged interest on this disputed charge and every time I complain, I get their same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: FC HoldCo LLC
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: Old information reappears or never goes away

Complaint:
The debt is with flagship acceptance I had a auto loan with them few years ago which ended on XX/XX/2015 the debt was sold to XXXX XXXX XXXX, XXXX XXXX then sold the loan back to flagship this needs to be deleted from my credit report XXXX XXXX has been deleted but flagship is still showing i filed a complaint with XXXX they wrote me stating i need to contact them for the removal of this on my credit report its showing as negative when it should say deleted like it says for 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 2023-06-12
Company: AXOS FINANCIAL, INC.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I attempted to make two transfers from my Axos high-interest savings account to my external XXXX XXXX XXXX XXXX XXXX ) account. My beginning balance in my savings account was {$800.00}, and I made two transfers each for {$400.00}. I made the first {$400.00} transfer on XX/XX/2023, and the second {$400.00} transfer on XX/XX/XXXX. The money was deducted from my account, leaving me with {$4.00}. 

On XX/XX/XXXX, I did not receive the {$400.00} transfer. I reached out to Axos and XXXX. XXXX confirmed that they did not receive the transfer and did not see any pending transactions. Axos informed me that the research team would address my inquiry in 1-2 business days. When I called on XX/XX/XXXX, I found out that the Axos rep did not make the request for a follow-up, and as a result, the second Axos rep escalated the issue. I received a {$400.00} credit to my Axos account on XX/XX/XXXX ; this return matches the transaction made on XX/XX/XXXX. I withdrew the {$400.00} that I received on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to Axos to inquire about the remaining {$400.00} that was not credited back to my account, and the Axos rep told me that my inquiry was resolved because of the {$400.00} credit posted to my account on XX/XX/XXXX. I responded that my account had {$800.00}, and only {$400.00} was returned. I read off each transaction from my account to the Axos rep. The Axos rep informed me that it would take another 1-2 business days for the research team to locate the missing {$400.00} because he could not locate the {$400.00} transfer made on XX/XX/XXXX. On XX/XX/XXXX, I called Axos to confirm that the Axos rep submitted my request for a manager callback, and he assured me that I would hear something in 1-2 business days. Each time I've called to find out where the missing {$400.00} is and when I can expect it to be returned, the Axos rep either says I will need to wait 1-2 business days to hear something or I find out that Axos rep did not submit my request for follow-up. 

Today, XX/XX/XXXX, I was informed that it would take the Axos research team 7-10 business days to locate the missing {$400.00}. This delay in response means I have to wait until the end of XXXX to get a status update on a transfer I made on XX/XX/XXXX. Each person I communicate with gives me a different answer by delaying the timeline for me to know about my money, or the management team does not return my calls to get my side of the story. The last point of contact I communicated with was XXXX, a Supervisor. XXXX wrote a message in a resolute tone. Axos has not resolved my issue ; I am still missing {$400.00} and can not get a clear answer from Axos or any indication of when I will receive my money. 

Any assistance you can provide is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: IL
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally complain about my persistent and unsuccessful attempts to correct inaccurate reporting regarding a late closed account on my credit report. Despite numerous efforts, this error has not been resolved, and it continues to negatively impact my credit profile. 

The issue at hand pertains to the reporting of a late closed account on my credit report, which is inaccurate. I have taken the following actions to address this matter : I initially became aware of the inaccurate late closed account on my credit report when I reviewed my credit report. 

I contacted your bureau to dispute the accuracy of this account and requested its removal or correction. I provided all the necessary supporting documents and explanations to support my dispute. 

Subsequently, I followed up to inquire about the status of my dispute and request updates on the investigation. 

Despite my repeated efforts, the inaccurate late closed account remains on my credit report, adversely affecting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer credit information. It is essential that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve this issue immediately by removing the inaccurate late closed account from my credit report. The prompt resolution of this matter is crucial for my financial well-being. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccurate information highlighted and proof of previous dispute attempts and communications. This late closed account should be removed by the credit bureaus : XXXX XXXX XXXX XXXX : {$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 2023-05-04
Company: Firstsource Business Process Services, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was first contacted on XX/XX/ via email by FirstSource Advantage. They claimed I owed a debt to XXXX for {$71.00}. In this same email they included this, " Call or write to us by XXXX XXXX XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' XX/XX/ I emailed their support with a Debt Validation Letter and on XXXX XXXX XXXX I mailed them the same Debt Validation Letter to the address provided by them. I stopped receiving emails from FirstSource Advantage for XXXX days and then I started receiving multiple emails a day from them and have not received a response to my debt validation letter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX XXXX which i never purchased

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 2023-04-28
Company: Key 2 Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX I was paying a company called XXXX XXXX XXXX who stated they are a collection agency. I submitted a complaint on here and was helped by someone in your office who notified me to stop paying them as they are not a legit Colorado collection agency. I have just received another threatening collection notice which states to pay now in full. They are trying to cover it as a private loan school debit from my college XXXX of XXXX XXXX which I graduated from XXXX  years ago. I received what looks like a letter from the college noting what they state is an XXXX XXXX with the same acct # XXXX. Then the other paper is for collection payment saying to go to XXXX to make payment. When you go into the site and make an acct to see the supposed loan. It states in red to contact Key 2 Recovery- XXXX placement. It shows the same loan as an owed amt and then in a negative amount. 

I strongly believe this company is trying to scam me again and I need some help. 

Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a vehicle loan with Santander consumer USA. In the last 2 year during pandemic I had hard time to pay my loan but I used inherited Money I received and paid them off. They still reported to credit score companies after I told them I am out of my job for the pandemic and I was on unemployment benefit. I also was in hospital and had some operation XXXX XXXX XXXX XXXX which kept me farther out of job. I was also infected with XXXX XXXX  which had to isolate with severe symptoms which made me unable to work also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In felony retaliation for me filing a previous complaint with the Bureau for mishandling a violent fraud incident, Chase is now maliciously withholding a government deposit - as if they think that the federal government will now default on its checks. Clearly, the only customers that JPMorgan honors money from is if youre a XXXX - as long as you have a last name ending in XXXX. JPMorgan needs to quit stealing money from the working poor to fund covering up their part in XXXX XXXX by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
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:
Hello I have made several attempts with Experian to obtain their method of verification to my original disputes of an inaccurate bankruptcy being report in my credit file that they maintain. And every time, they reply back with vague or dishonest responses and a failure to comply! 
I am including my latest dispute letter dated XX/XX/2021, along with their latest response, a copy of a letter from the United States Bankruptcy Court and a copy of a letter from XXXX. 
I am seeking assistance from the Consumer Financial protection Bureau to compel Experian to either produce the appropriate verification information or to permanently delete the bankruptcy from credit file! 
Thank you in advance! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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/XXXX, I checked my checking account balance via ATM in XXXX XXXX Louisiana as I was planning to make a purchase and noticed that my account balance was off by {$8600.00}. I immediately called USAA to report fraud on my account and come to find out I was actually negative {$17000.00}. I was under the impression that this account would be closed due to the recent fraud activities and I assumed no other transactions would be allowed. On XX/XX/XXXX my military paycheck was accepted into this same " closed '' account in which I argued with a CSR via phone but it was never refunded as USAA claimed that I was responsible for the fraud. At this point, I let it go and open another account with a different bank thinking this will eventually be resolved and I'll be refunded at least my last paycheck and they will check camera 's etc and see I was in another state and it was not me. Time goes on, I let it go until XX/XX/XXXX when I received a letter from the IRS stating I failed to claim the discharged debt of $ XXXX as income and therefore I now owe the IRS XXXX XXXX. What? I call the IRS to dispute and this is when I was told that USAA discharged $ XXXX and I was responsible for the taxes. A second letter was sent from the IRS demanding payment immediately and this prompted me to call USAA and ask specific questions regarding the fraud investigation. I spoke to a banking CSR named XXXX on XX/XX/XXXX. She was very helpful and answered a lot of questions as to the dates and amounts of the checks, the name of the account holder of the checks and she stated that she was looking at a copy of the checks as we were speaking. XXXX also mentioned that someone had called prior to XX/XX/XXXX and requested a withdrawal limit increase. I requested that a copy of the fraud investigation be sent out ASAP so I could forward this along to the IRS but I never received it ( XXXX stated it would be 2-5 business days ). 

USAA told me they sent a card to XXXX where the fraud was located. It so also happens to be the location of a USAA bank. USAA also concludes this investigation in less than 2 weeks. There are numerous complaints by numerous people claiming the same things happening to them. USAA sends me a letter stating that they failed to investigate fraud. But then simultaneously claim they actually investigated this claim. But somehow I was simultaneously in XXXX where the fraud took place and the fraud division is located.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation