BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
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:
This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$300.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Saturday, XX/XX/XXXX at approximately XXXX I received a telephone call from a debt collector who identified themselves as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, alleging that I owed {$420.00} from XX/XX/XXXX for a XXXX XXXX. 

I telephoned XXXX, with the agent from XXXX XXXX XXXX ( hereafter referred to as XXXX ) conferenced on the line. The XXXX agent went over the order number in question ( Order # XXXX ) and explained to the agent that the item ordered had been cancelled. At which point the agent informed me that she would pass the information over to her 'account team ' for 'verification. ' I then received a letter from the agent, XXXX, at XXXX telling me that because it was coded as a 'bad debt writeoff ' ( it is obvious that my cancelled order was incorrectly coded by Bread Financial, the loan provider ) I therefore owed the amount in question. Despite the order having been canceled and no item received. 

It is seems rather obvious that Bread Financial must have incorrectly coded the return and the sold off my account, along with other 'bad debt ' to this collection agency. Now they are attempting to collect a non-existent debt even after having been told that the item/order in question was cancelled. 

Pursuant to FDCPA 807, 2 ( a ) they are in violation by attempting to collect a debt which they have been informed, from the originator, was not correct. 

Your help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
writing to request that I not place any additional information on my credit report. My intention in writing this letter is to preserve the privacy and integrity of my credit history. Understanding that in certain circumstances, financial institutions and other entities may require access to my credit report to evaluate my creditworthiness. However, at this time, I do not want any additional information to be placed 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 explanation
Consumer complaint received 2023-10-24
Company: CL Holdings LLC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with Jefferson Capital. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax at XXXX on XX/XX/XXXX at XXXX Pacific time to dispute an inquiry that I did not recognize ; it looked like someone applied for an account in my name without my authorization. The representative at Equifax stated in order to identify me I needed to provide to her a copy of my driver license front and back and that I needed to send her a copy of my police report to start the investigation. I questioned her and stated the FCRA did not require all this to investigate. She paused and said that she was following FCRA. She seemed very agitated and said there was another way to identify me, that I had to read information on my credit report. I read many, many accounts, over 20 accounts that are currently open, along with the dollar amounts, dates open, etc. That was not enough, she then asked for me to tell her the names of whatever installment loans, student loans or auto loans that were no longer open. She asked for the dates open, amounts information regarding the accounts. Finally it seemed like she might take my dispute. She asked which account inquiry I wanted investigated and removed. I told her it was XXXX XXXX dated XX/XX/XXXX. She asked is this the ONLY item? I said yes. Then she said that she wanted to help but that she needs a copy of the police report to get the account investigated. She seemed annoyed and asked did you ever write to Equifax to get this removed? I said no and explained this is why I was contacting her now and that I would like for her to help me. I reminded her that FCRA does not require a police report and I asked to speak to her supervisor so I could get the help I needed. She left me on hold. I held on the line for over 15 minutes in silence, then I heard music, then silence again for over 15 minutes. No one ever picked up the phone after waiting on the phone for nearly an hour ( see attached screenshot ). As I waited, I decided to reach out to you, the CFPB for assistance, because it was clear I would not get any help from anyone at Equifax. They are clearly violating the law if this is how they treat consumers. Please help me to get this unauthorized inquiry verified and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was mortgaged at the wrong rate through and complained about the problem. They refused any attempt to correct the collection error and never repaid me my money. Instead they passed me on to another company to stop my complaints. My rates were incorrect!!

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 which 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 2022-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX and Equifax .and explained I was a victim of identity theft and fraud and that the balance of {$4400.00} XXXX XXXX XXXX XXXX ME OF OWING! is not mine someone got a apt in my name its not mine Im legally not responsible I sent police reports and theft affidavits over XXXX times literally this company is fraudulently reporting this account to the credit agency ( EQUIFAX ) monthly is calling my place of work seeking money calling my immediate family etc now i have a open lawsuit against this company for violating my consumer rights. I explained to Equifax XXXX XXXX XXXX a victim of identity theft sent all proper documentation And they too have NOT removed this fraudulent account from their system i now have a attorney seeking justice for emotional distress and mental abuse these companies need to remove this fraudulent a ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 605 any consumer that identifies fraud and notify the credit agencies shall have the information blocked and removed Equifax failed my consumer rights Im now filing a FEDERAL LAWSUIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a $ XXXX check into my account XX/XX/XXXX and Bank of America has put a hold on the funds until XX/XX/XXXX. I have written checks based on the funds being available. I've validated the check issued has cleared the Federal Reserve System and that the funds are good. The check cleared the Fed system on XXXX XXXX. I visited my local bank ( Bank of America ) and they said they couldn't help me because the system automatically controls when the funds are good.

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 2022-04-29
Company: SYNCHRONY FINANCIAL
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 have never opened a JCPENNY Credit card with synchrony bank ending in XXXX. I am in the process of disputing this account from my credit reports opened in my name in XXXX and XXXX. The XXXX account shows it was closed and the XXXX account shows it is still active and open. I have been out of the country for over 6 years and never shop at JCpennys. Their fraud dept sent me a letter and I am very concerned because this is ruining my credit & the balance is very high. Please help me remove this from my credit history. The credit bureaus advised me to file a fraud complaint with the FTC regarding any fraudulent accounts opened in my name. The second account is XXXXXXXX XXXX  and XXXX which I never opened with high balances that were put into collections.

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 2021-04-12
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: Investigation took more than 30 days

Complaint:
Account 1. Validate Account 09 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information on my credit report was disputed and a validation requested as of XX/XX/21 there has been no response from Transunion and no supporting documents sent the erroneous account is still on my report and should be removed

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 2023-09-19
Company: EQUIFAX, INC.
State: FL
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:
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 2023-06-06
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 items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The supervisor Mrs.Bille seen two transactions that were held a date late and didn't reconcile the issue with my deposit XX/XX/XXXX and Today the XXXX I asked reasonable questions and she hung up in my face as if I haven't been an trustworthy and honest customer for more than 6 years. I will contact the BBB Because u just treat people like that in such I disgrace manner ... now I'm homeless due to this matter ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, in the afternoon, I received several text messages stating that my phone number was updated on my Chime account. Immediately following the text messages, I went to my Chime app, only to find that I was completely logged out and could NOT log back in. Then, I started getting notifications saying that money was being taken out of my accountI immediately called Chime and while I was on the phone with them, money was STILL being taken from my account.It was XXXX different transactions that occurred in less than XXXX minutes. It was my XXXX check that was deposited that same day right before it happened. Ive filed XXXX disputes with Chime and the in result is that ruled NO ERROR OCCURRED in my account. I call almost everyday and they keep telling me that it takes XXXX for them to make a decision on refunding me my money. They amount was {$880.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX. Balance : {$5600.00} XXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Bread Financial Holdings, Inc.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread Savings in order to benefit from their high APY of about 1 %. My account has been restricted since XXXX of 2022. Making it over a year since my account has been restricted. I have been calling for over a year now and all i am been told is my account is under review and they dont know how long the review is going to take. Give me my money please it is over a year and this is daylight robbery! I am a XXXX year old woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past year from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a bank account online with Bank of America. I sent the initial money to open it. I received an email verification that it was approved and open. I then had a wire transfer sent to the bank. I went online to check the next day to see the status of the wire transfer and found out that my account had been closed. I received no notice, or chance to correct the issue they had with verification of my information. I was then told that the account would not be completely closed for 41 days. 
So I will have to go 41 days until the account is closed and then wait for my money to be delivered. I was basically robbed. Why would a large financial institution need 41 days to completely close my account and return my money?

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 2023-02-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A account was open using my SSN at Citizens BankN.A used for buying house survalance equipment which who ever it is has my SSN # and I need a block on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 never had a contract with this debt collector for any debt. Please provide proof from original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit profile XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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:
I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX : {$760.00}

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