BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2021, I sent a dispute letter to Equifax Credit bureau about a bankruptcy on my credit report. It came back as verified. Equifax is in violation of the fair credit reporting act because this information was not verified, because I have a written letter from the courthouse stating the U.S. Bankruptcy Court does not provide information to any credit reporting agency. In addition my XX/XX/XXXX account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: InDebted Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
On XX/XX/XXXX, I received an email from XXXX. The email claims that their client, XXXX XXXX, has placed my account ( s ) with them to get {$25.00} from me. The account ref number they gave me is XXXX. I replied by email on the same date : " insufficient information provided. Please provide specific details. '' Note that I did NOT BUSINESS with a company called XXXX XXXX At XX/XX/XXXX EST, I received an email response from the same email address, a person calling herself XXXX XXXX XXXX XXXX only additional info she provided was : Product Vendor : XXXX XXXX ( NSF Fee ), Referral Date : XX/XX/XXXX, Balance : XXXX USD. In the email she says " If you require an invoice or a statement of account, I recommend reaching out to XXXX XXXX ( NSF Fee ) directly ''. I asked again what the {$25.00} is for, and for more specific information. I am hesitant to call this XXXX XXXX, even if I had their tel number because I do not know if this is a scam. I told her that I suspected that she is not a legitimate debt collector, but a scammer. I sent a follow-up email, telling her that I am not responsible for any NSF Fee and that she was still not providing me with the necessary details. I asked that if XXXX provides services for ANOTHER COMPANY with whom I may or may not have done business, then perhaps I can make a determination. I informed her of FRAUD committed in my Bank account requiring it to be credit only and then closed. I asked for the professional license number in the state of FL and the name, address and tel # of the " original creditor ''. Due to the fraud committed in my bank account, I am leery of any communications with parties I do not know. And I am not getting enough info from them. Please advise. I am unsure if I should cut off communication with them. But I also do not want any negative mark om my credit files. The info about the sender of the email is that it is purportedly from XX/XX/XXXXMO XXXX ( https : //indebted.co )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan for XXXX, but I made a XXXX dollar payment online. On XX/XX/XXXX, Cash Central tried to take XXXX out of my husbands and my account, but our bank thought it was a fraudulent transaction. Cash Central collection dept is contacting me and telling me to call them so they can charge me extra for my account being past due or where my payment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I do all my banking with XXXX XXXX. I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CBC Companies, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : Case # XXXX It has come to my attention, that Innovis has added a social security number to my consumer profile : XXXX, as mentioned by the attached letter. 

This is not my social security number and must be removed from my Innovis consumer report immediately! 

Innovis has never been authorized to add information to a consumer report in my name, without proper verification that it belongs to said consumer. 

Innovis, as a business is practicing fraudulent operations, by adding an unknown social security number to my consumer report. REMOVE IT AT ONCE! 

I have not placed requests for credit with any organizations under a SSN ending in XXXX and have no active trade lines with a SSN ending in XXXX. 

There is no factual record that indicates that I have requested applications for credit from creditors who are not employers, to be on my file or gain brute-force access to the CRA systems to place their name tag, with an inaccurate social security number on my file. That is considered theft of identity! There are group actions to be considered if this information is not removed immediately, without prejudice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: EQUIFAX, INC.
State: NJ
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:
THIS CREDIT REPORTING AGENCY ( XXXX ) IS ( ARE ) BIAS AGAINST CONSUMERS AND ONLY ACCEPT AS EVIDENCE WHAT THE CREDIT CARD OR REPORTING COMPANY ( XXXX  ) REPORT TO THEM. I WAS ISSUED A CREDIT CARD BY XXXX XXXX XXXX   WITH A CREDIT LINE OF {$1000.00}. I USED THE CARD AND MADE REGULAR PAYMENT, AND KEEP A RELATIVELY LOW BALANCE.

IN THE FALL OF XX/XX/XXXX I NOTICED FRAUDULENT ACTIVITIES, I REPORTED TO XXXX XXXX XXXX AND THEY CANCELLED THE CARD, SENT ME A NEW CARD AND ELIMINATED THE BALANCE. THEY ISSUED A NEW CREDIT ACCOUNT AND A NEW CARD WITH XXXX  ( XXXX ) BALANCE, IT WAS A FRESH START. THE NEW CARD ARRIVED MID XX/XX/XXXX. ON XX/XX/XXXX I ACTIVATED THE CARD AND USED AROUND CHRISTMAS AND MADE 3 PURCHASES TOTALING {$430.00}, THERE AFTER NEVER USED THE CARD AGAIN. IN XX/XX/XXXX, I RECEIVED THE FIRST BILL WITH A BALANCE OVER {$3000.00}. I WAS SURPRISE, HOW IF I ONLY HAVE {$1000.00} CREDIT LIMIT THE BALANCE CAN REACH SO HIGHT. MANY TRANSACTIONS AND CASH ADVANCES FROM FLORIDA, NEVADA, NY AND OTHERS PLACES WERE MADE. PAYMENTS AND PURCHASES FROM MANY PLACES. AS SOON AS I REPORTED, CREDIT ONE SENT ME A NEW CARD, I DID NOT ACTIVATED, HOWEVER THEY STARTED TO REQUEST PAYMENT AT THE SAME TIME. I KEPT TELLING THEM THAT IS NOT MY BALANCE, I DID NOT CHARGE ANYTHING AFTER XX/XX/XXXX. THEY CONTINUE TO THIS DAY HOLDING ME RESPONSIBLE AND REPORTING LATE AND NEGATIVE INFORMATION ABOUT ME.

I HAVE CONTACTED THE THREE MAJOR CREDIT BUREAU TO INVESTIGATE, HOWEVER THEY ONLY ACCEPT AND BELIEVE THE CREDIT CARD COMPAY, XXXX XXXX XXXX. THE FRAUD CONTINUE AND CREDIT ONE KEPT PURSUIT ME TO PAY. I KEEP TELLING THEM, I DID NOT MADE ALL THOSE CHARGES.

I AM TIRED OF THIS AND THE DAMAGE THE NEGATIVE WRONG INFORMATION CREDIT ONE CONTINUE TO GIVE THE CREDIT BUREAUS. I HAVE CONTACTED THE 3BUREAUS AND THEY CONTINUE TO REPORT THE BAD INFORMATION.

THIS HAS AFFECT MY CAREER, MY JOB, MY LIFE AND HAVE MADE IT DIFFICULT TO CONDUCT BUSINESS BECAUSE THE THREE MAJOR BUREAUS CONTINUE TO REPORT DEROGATORY. I HAVE ENOGHT EVIDENCE AND WILL PROVIDE IT TO YOU, AND IN COURT. IF YOU AS CONSUMER PROTECTION AGENCY DON'T DO YOUR JOB, AND ASK THE THREE BUREAUS TO STOP ACCEPTING NEGATIVE INFORMATION FROM XXXX XXXX XXXX, I WILL SUE THE BUREAUS. I WILL SUE THIS AGENCY FOR FAILING TO PROTECT MY RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Byrider Franchising, LLC
State: PA
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:
CNAC of XXXX PA is reporting an old account passed 10 years old on my credit report that was paid off in 2014. I have tried to get this company to take this off my credit report for years now to no evail. The information provided on my credit report is inaccurate and passed 7 to 10 year mark and should no longer be on my credit report. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Second Round Limited Partnership, Austin, TX Branch
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A Letter was sent to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to request document 's showing that this is my account. I have not received documents proving the matter. They have reported to all 3 credit B and I have disputed. By law they have to send the necessary information to me and as of today XX/XX/XXXX I have not receive it.Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 
Name and Address of Alleged Creditor : ______________________________________________________________________ Name on File of Alleged Debtor : ______________________________________________________________________ Alleged Account # : ______________________________________________________________________ Address on File for Alleged Debtor : ______________________________________________________________________ Amount of Alleged Debt : ______________________________________________________________________ Date ( that this alleged debt became payable ) : ______________________________________________________________________ Date of Original Charge or Delinquency : ______________________________________________________________________ Was this

Debt assigned to a Debt Collector or Purchased? ______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission f
or debt collector if collection efforts are successful :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, XXXX, a subsidiary of Goldman Sachs, and the issuer of the XXXX Credit Card, allowed someone to submit an application and received approval for a Credit Card in my name, without my authorization. XXXX without my authorization obtained a copy of my personal credit file from, XXXX XXXX XXXX. After discovering the fraud, I contacted XXXX, who then contacted XXXX to confirm if an identity theft against me had been done. XXXX confirmed thru XXXX that the card was issued on a fraudulent basis subsequently removed any record on the account from my personal credit report, including the unauthorized inquiry XXXX made on my report. 

I then contacted XXXX and was told that the account had been restricted, not closed but restricted pending their investigation. I provided them with a police report i filed with my local police department in XXXX, IL. After XXXX weeks, I received an e-mail from XXXX with my XXXX XXXX, with an outstanding balance of {$1900.00}. I then called XXXX and their representative told me the e-mail was sent in error. I asked them how this could happen when I'd been told that the account was restricted, and they responded that they did not know. 

I'm writing to you because I'm concerned with how XXXX is handling this situation in a very cavalier way. I just read that the Federal Reserve Bank is investigation XXXX for lacks security in its consumer finance division and I believe their lack of follow thru when granting credit and or at a minimum verifying consumer financial information/credit applications allowed someone to obtain a credit card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: National Credit Systems,Inc.
State: AL
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:
After reviewing my credit report on XXXX I identified a discrepancy with my account listed under NATIONAL CREDIT SYSTEMS and a validation request was requested as this is an account I do not recognize. I reviewed my credit report again on XX/XX/2023 and the accounts continue to reflect on my credit report as ACCURATE and I have not received any correspondence from the creditor correctly validating nor has my credit report been updated to reflect the account is disputed therefore a 2nd attempt to validate was sent. After reviewing my account on XX/XX/2023 there were still no updates and the account is still reflecting negatively on my report. I do not believe this debt belongs to me and I do not believe this creditor has authorization to access this account nor has authorization to attempt to collect on the account and this account continues to negatively affect me. Please strike and remove the account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 or 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
Consumer complaint received 2021-01-11
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX someone transferred {$950.00} to a XXXX  XXXX. Unauthorized from my account. I addressed it with Chime on the XXXX when I woke up. They are dragging their feet and I have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To whom it may concern, Paypal closed my account of 8 years for no reason and refuse to assist me with resolving the issue and re-activating my account. 
I am uncertain if this an error on their behalf as I assume it has to be. I have not been able to get help from them and My lawyer recommended to file a report on this platform. 
It is clearly evident that there is an element of unprofessionalism and this is directly impacting me a great deal as I used paypal quite frequently for the past 8 years. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One issued an annual fee of {$59.00} to my account on a credit card that I rarely use for emergencies only. The account is usually setup to auto deduct for any balances since I've had it for almost 15 years. This year the deduction did not happen, nor did I get notification via phone or email that my payment was over 30 days late from XX/XX/2023 to XX/XX/2023. When I finally received notice on XX/XX/2023, I paid the annual fee plus a late fee that all totaled around {$120.00}. 

Today, I noticed that Capital One reported to all 3 credit bureaus which caused my credit score to drop by almost 50 points. I am in the middle of refinancing my families primary residence and this has caused a tremendous issue all on account of a miss in accounting and lack of proper notification from Capital One. I have had this card for 15 years and have never had an issue with payments or excessive balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When at XXXX, I got offered a credit card that would give me 25 % off a large purchase. I took it. Comenity was the bank offering the card. 

For the first payment, it took me FOREVER to find a phone # to make the payment as I never got a bill/statement. I finally found a phone # on the web, and make a full payment of my entire balance, on time on XX/XX/XXXX. I paid via my bank account with XXXX. 

I called Comenity on XX/XX/XXXX and XX/XX/XXXX as they never took out money from XXXX account. Comentiy told me their IT systems were being repaired, but my account was paid in full, I owed {$0.00}. 

In XXXX, I received a paper bill at my house. Comenity claimed to have a returned check from my XXXX bank on XX/XX/XXXX. Due to the " returned check '' ( which never was ), they charged me late fees and interest fees, and returned check fee. 

XXXX, my bank, has no record of a returned check, and I have enough money to pay the full bill. Comenity never tried to take out the money. I went to XXXX so I had tried evidence to submit to Comenity. I got a report from XXXX showing I had to returned check fees. When I tried to submit the report to Comenity per their advice, the and Comenity website kept saying " issue - cant accept attachments '', and the messages I wrote on the Comenity " secured message center '' kept disappearing due to " system issues '' at Comenity.

Comenity is a Fraudulent company. All these young people who shop at XXXX, many of who are minorities, are getting charged for things that are not accurate. 

The Feds need to investigate!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The account is passed 7 years old i have tired to settle a price with the debt but the company XXXX XXXX XXXX decline my offer, by law if amount is denied the debt is no longer valid. And should be taken off my credit

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