BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2019-10-10
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: Public record information inaccurate

Complaint:
Florida department of revenue XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XX/XX/2014 I was ordered to pay child support, due to unemployment over the years I was unable to pay for months at a time, florida department of revenue is stating I owe XXXX, I never borrowed money from them to be an obligor, and financial and securities companies are constantly telling me I have to get the child support debt down before they can hire me. This is effecting my ability to advance my career and gain more income to provide for my family. 

Experian has this debt on file acct # XXXX as well

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 2018-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I had credit score of XXXX on XX/XX/XXXX and as of yesterday it drop to XXXX my statement came out on XX/XX/XXXX for capital one credit card. The payment is due on XX/XX/XXXX. I called them they say the report what is due on statement on XX/XX/XXXX the credit bureau change reports want to made by really now they said I need to wait 10 days To see if the credit bureau fix it Most card card company reports after the due date not on statement reporting day They did also to my husband his drop 87 point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has stolen my money. I had a domestic wire of XXXX wired in to my business account from a car dealership that I had done business with. I was able to access funds on first day. Next day the account was frozen and BOA claimed they needed to verify wire even though I already had access to funds. I went to the bank and provided documents proving it was a legit wire. BOA contacted XXXX XXXX and it was verified. It now has been 2 weeks and the account was still frozen for no reason. Called several times and kept getting sent to different departments. Placed a claim with OCC and BOA called me and said they would look into the matter. I never heard back from them. Calls and emails went unanswered. Today XX/XX/2022 I still have no funds and BOA closed my account for no reason. I still dont have my XXXX. BOA has stole my money and this matter needs to be addressed.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
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 Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Associated Credit Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am getting mail for my money matters under my married name and my money matters are under my legal name. 
XX/XX/21 for XXXX this is not mines thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: LEXISNEXIS
State: VA
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 became aware in XX/XX/XXXX when my homeowners insurance company said I received a higher rate because of my credit report, that Lexis Nexis was combining my credit information with another woman 's who had the same first name and a social security number with one digit difference. I have been through this correction with the 3 other bureaus. It has taken seven phone calls and all the information but a CLUE report has been removed. Lexis Nexis is telling me that can't remove the other woman 's accident report because it was put there by the insurance company. Apparently they have no process to correct their error in combining my report with hers. In addition there is a new CLUE report from my auto insurance company of XXXX claims for windshield replacement that XXXX has said they did not report. The new CLUE report was not on any of the previous 6 requests I made so I have to believe it is retaliatory and I would like it removed. I have not had any accidents and would like the CLUE reports not related to me removed. It is unconscionable to have no process to correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: MS
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 first noticed a company XXXX show up on my credit report on XX/XX/XXXX. I have never heard of XXXX. I filed a dispute with the credit bureau, XXXX, Experian, and XXXX after I had attempted to settle with the company. I have NEVER filled out an application or signed a contract with this company. I was under the impression that the dispute had been settled and removed from my credit report. I found out yesterday on XX/XX/XXXX that there was a debt of {$63000.00} showing on my credit report and drastically dropping my score making me unable to purchase a home. I had disputed XXXX on XX/XX/XXXX and thought that this information that had been corrected/removed from my credit report and has now, in fact, been reinserted. I am not sure if this was identity theft? With further investigation, I found out that this company no longer exists and that was closed on XXXX of XXXX ..... I have once again attempted to have this settled with the credit union. If you can offer any assistance in the resolution of this matter I would greatly appreciate 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
Consumer complaint received 2022-11-08
Company: CarMax, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/21 date my car was totalled. After speaking with my insurance company they told me that they sent over insurance information to car max. On XXXX ( dates after my insurance company sent CarMax insurance money ) CarMax sent me a letter stating that my account was paid. However, upon checking my credit report I noticed that there are late payments on my credit report after receiving a letter from CarMax stating that my account balance was taken care of. The attached documents with dates shows a timeline of events. I am asking that car max remove all late payments on my account due to the fact that this is an error in their part. I am unable to purchase a car to take myself to and from work because of the incorrect information they placed on my credit report. Again please see attached pictures and documents with dates which explains the timeline of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/18, I received an email stating I had reached the spending requirement to receive XXXX membership rewards points for my account ending in XXXX ( now XXXX ... due to American Express ' lack of customer service, in order to get a simple card replacement for a damaged card, I had to change the account number and didn't even receive the card when promised ). I contacted customer service via chat on XX/XX/18, who advised me that the offer was not on my account and no record of it or the email exists. To ensure there is no question as to the legitimacy of my concern, I have attached the email in both pdf and email format, and ask that American Express kindly fulfill the promise of the email without delay or hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I spoke with a representative about possibly opening an account. They advertised a promotional plan that would be interest free during the specified period. If there was still a balance after the period then you would start being charged interest. However, now that the promotional period is ended, theyre trying to charge an accrued interest amount from the time over the promotional period. Which was not how this deal was presented to consumers. This is a scam and false advertising to get consumers to open accounts under these pitched deals then charge them ridiculous amounts of interest after the deal has expired. I also tried to resolve the issue by calling the company and explaining this was not how the advertised promotion was presented to me. The response I basically got was, sorry if this was presented incorrectly but towards the end the terms were sent in the online statements. Completely unfair and shady to defraud consumers and blame them for believing the representatives who act/speak on behalf of the company. Representatives need to be held accountable for defrauding consumers wether it is intentional or unintentional. Consumers should not be held liable for the companys staff lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been receiving phone calls of harassment, profane and abuse language, threats of been arrested and sent to jail from LVNV Funding for a debt of {$220.00} from the original creditor, XXXX XXXX XXXX XXXX XXXX, XX/XX/2015. The debt is the result of identity theft. The debt is not my debt. Its a fraudulent account and debt from the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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:
We already had a previous case from the CFPB ( XXXX ) that says it was closed on XX/XX/XXXX but we had no idea it had been closed because as of now we are still trying to get our money back. 
Citizens Bank allowed several fraud transactions back in XXXX of XXXX on our account and we have tried in good faith to get our money back and have gotten most ( {$15000.00} ) but are still waiting on over {$1000.00} a year later. 
We heard from Citizens as recently as XX/XX/XXXX when the fourth person they put on our case called and left a message saying she would call when she knew something. The others would call and leave a message and when we returned the call it always went to voice mail except with XXXX person, who was quickly taken off the case. 
The last phone call I received was on XX/XX/XXXX from a woman named " XXXX ''. We called her back on XXXX, and XX/XX/XXXX and again on XXXX but she has not returned our calls. 

This new complaint stems from checks cashed on our business account with someone else 's name on the check and someone else 's signature that were wrongly cashed by the bank. For one of the checks they are saying we will not get reimbursed because we waited over 30 days to make the complaint. This was a check written by a nursing home, which is far from what our business is, in a different state, with different, non-authorized signatures. The bank cashed it and we reported it well within the 30 day window, in person, at the branch. We have the bank representative as our witness, and we are her witness that she reported it over the phone as is their policy while we were there on XX/XX/XXXX of XXXX. The person we spoke with at the branch has been very helpful and does not understand what the problem is either. They have yet to reimburse us for 3 of the many checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: AZ
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 an account currently listed on all three of my credit reports listed as WF/FMG with a current balance of {$1100.00}. This account was apart of an ongoing lawsuit with wells fargo company with creating fake accounts and credit lines. I have reached out to Wells Fargo on numerous occasions to let them know this account did not belong to me and asked them to remove this from my credit report. This account is listed as closed on my credit report but is reporting past due when this account does not 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 2023-02-10
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I found an seller selling items on XXXX who refuse to use the platform 's shipping and payment solution and insisted to ship himself. I refused to pay for the item but paid the shipping fee for a shipping receipt where the tracking information is partially covered through Zelle. After investigation with XXXX ( The XXXX XXXX # XXXX XXXX ) it turns out the shipping receipt is fake.

Company response to consumer: Closed with explanation