BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Prosper Marketplace, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for this card. Services were never authorized or accepted. The card was fraudulently activated the company says. 

I have never used or activated this service. The company file a late payment to my credit bureau for an ever increasing amount. 
I have spent over three hours on several phone calls with the company. I have even been assured that the balance was settled and account was closed. Still, my credit score was damaged for false late fees. The company now wants {$90.00} for services never provided or accepted.

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 2020-02-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX  XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed.

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same information.

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 2018-04-24
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:
On XX/XX/XXXX I notified my local law enforcement about an identity theft where a long time ( former ) friend had used my information to fraudulently obtain a large student loan in my name, when she was supposed to be helping me through a medical crisis. During that time, a separate fraudulent account opened with XXXX was also discovered. The original account that resulted in the initial police report has since then resolved and cleared from my credit. However, during the past two years, XXXX has made it extremely difficult to have the fraud removed from my credit reports and there are still fraud based negative reports on two credit reports that they are still refusing to remove. XXXX has been provided copies of the original police report through US mail, which they claim they have not received, and email correspondence. I have made several phone calls to XXXX fraud, the most recent dated today, and additionally XX/XX/XXXX, and XX/XX/XXXX ( three phone calls ) to resolve the issue. This doesn't include the numerous previous phone calls. XXXX claims that they have not deemed the account as fraudulent because, based on their policy, their company is not listed on the original police report. However, my credit reports state otherwise, with XXXX collection accounts having been removed on all three credit reporting agencies, and the original XXXX account removed with XXXX. However, during my XXXX PST phone call with XXXX fraud this XXXX, their representative advised me that the remaining original accounts will not be removed from Equifax and XXXX until the police report is amended or a new one is made to reflect their name specifically on the report. I am in contact with my local law enforcement and waiting for a reply from a deputy, although their dispatch is absolutely in agreement that the level of care that has been taken in the matter is not only greatly lacking but, basically, XXXX. I have also been in contact with the credit agencies and was advised by Equifax representatives, on Thursday, XX/XX/XXXX, that I have to contact law enforcement to find out the outcome of the fraud investigation to have the credit company remove it from my report. I asked how that is possible when the report was forwarded to another state and becomes confidential information and was told, basically, that was their policy and my problem to figure out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint with XXXX XXXX XXXX XXXX on XXXX XXXX XXXX I am requesting a copy of the Original Purchase Agreement from Debt Collector. The account that I had with the credit was sold in the information reporting on my credit file is incorrect. 

Complaint ID : XXXX Please provide me with the Original Purchase Agreement for this Account.

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 2023-05-09
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: Their investigation did not fix an error on your report

Complaint:
By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my credit report. There's an account that is written as a CHARGE OFF ACCOUNT but failed to receive the XXXX cancelation of debt form, because of that this account is inaccurate and needs to be removed from my credit report immediately. As well as several violations made reporting incorrect name variations. incorrect address variations, and incorrect late payment variations. One or more of these violations violate my right to Privacy. These violations must be removed from my credit profile Immediately. I have reached out to all 3 credit bureaus XXXX, Equifax, and XXXX via certified letters and also provided proper identification to prove my identity yet have received no update or change to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX already disputed these items, but the bureaus did not remove them nor prove validation. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX BANK Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX SELFREPORTED Account Number : 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 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 2021-12-02
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We ( XXXX & XXXX XXXX ) have had service from XXXX for over six years. In XXXX, XXXX XXXX XXXX bought out XXXX, and we continued service with them. In XXXX, we decided to change service to XXXX, notifying XXXX XXXX XXXX  that we were doing so.The contract states that a termination fee is assessed if service is discontinued in less than one year. XXXX XXXX XXXX sent us a bill for XXXX noting termination fee. We responded with a note indicating this was not a valid invoice, because we had their service for more than six years, and it did not apply. XXXX XXXX  XXXX responded by turning the bill over to a collection agency, Credence Resource Management. To avoid any further harrassment or possible intimidation, we relented and paid the XXXX, and wanted to forget the whole thing. Credence responded to this by sending another bill for XXXX and an additional bill for XXXX, with no explanation. Since then we noted that the original check to XXXX has been processed by our bank, but we beleive that XXXX XXXX XXXX is fraudulently engaging in this similar activity with any of their customers who decide to discontinue service.We are also notifying our OHIO attorney general of this activity, and we are going to pay the additional XXXX to avoid any further harrassment.i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with 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 needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report, XXXX XXXX XXXX Balance : {$69.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: JPMORGAN CHASE & CO.
State: OH
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, 2 unauthorized XXXX payments for {$XXXX} were taken out of my husband and my Chase checking account. We called the fraud department that evening and after going through a verification process and explaining we did not make the XXXX payments and did not know the 2 people who were sent the XXXX payments, XXXX started a fraud investigation and transferred us to another department, where the associate froze our account. The next day at XXXX XXXX, I received an email verification for a {$XXXX} payment to another person we did not know. At XXXX XXXX  I received a notification that the payment was cancelled. At XXXX XXXX the next morning we called to find out why after our account was frozen someone was still able to submit a request for a XXXX payment. We were not given a satisfactory answer and went into the bank. XXXX at the bank made sure the account was frozen and opened a new account for us. On XX/XX/XXXX, we saw both {$XXXX} payments were put back into our account. Thinking the fraud investigation was complete and in our favor, we went into the bank to have the money transferred to our new account and close the old account. XXXX XXXX, a VP at the bank checked and let us know the fraud investigation was closed with no resolution and the money would be taken back. She called the Fraud department, spoke with a manager and had the fraud investigation reopened. She told us it would be 30 days before it would be completed. While she was on the phone with someone in the fraud department, she let us know it was fraud. The person on the other end of the line told her they could see where the account had been accessed from somewhere else. We went back into the bank on XX/XX/XXXX and spoke with XXXX. He transferred the {$XXXX} into our active account and told us he would close the account on XX/XX/XXXX. That did not happen. Today I received an update that the frozen account had been overdrawn. Both {$1000.00} payments were taken out. I went into the bank and met with XXXX again. She called the fraud department and they said the investigation was closed and they found against us so they took the money back. XXXX had them open a new fraud investigation and told me to come to you for assistance since the bank is finding against us. At no time after the first or second fraud charge was submitted did the fraud department attempt to contact us. As explained to everyone, my husband and I have spoken with in the fraud department and with 3 different managers at the bank branch. We did not make these payments and do not know the people who did. The bank seeing the 3rd attempt the next day was fraud and reversing that charge is further indication that they need to return our money to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had an inquiry for a Kohl 's Charge card, which I never did on XX/XX/2018. I have never even been into a Kohl 's store. I reached out to Kohl 's customer service when I noticed it on my credit, who told me that it would be removed from my credit inquires in a month. Three months later, it is still on my credit. Every time I call back, I'm given the " run around '' and transferred to multiple extensions who don't answer. At one time, a rep. gave me the number where I was being transfer if I got no answer or was disconnected. When I called the number back, it was for XXXX. It's very frustrating what I've gone through to have this removed, when it wasn't even something that I applied for in the first place. I would like this Kohl 's Charge Card Inquiry removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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:
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. 

Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a credit card with Bank of America. The card had an {$11000.00} limit with {$0.00} balance. Incidentally, my credit score is ( was ) XXXX, which is considered excellent. The credit usage of all of my credit cards was approximately 38 % at the time of this incident. In XX/XX/2019, Bank of America sent me an offer to transfer other credit card balances to their card with 0 % interest for 14 months. At the time I had about {$8800.00} on special financing on a XXXX XXXX card which was expiring. So I accepted BoA 's offer and transferred the {$8800.00} which was on the XXXX XXXX card to the BoA card. In essence, BoA was offering me an interest free loan for 14 months at 0 % interest. I would have been a fool not to have accepted what amounted to free money from them. The net effect was that I still had the same overall amount on a credit card. However, on XX/XX/2019, without warning, BoA closed this credit card. The immediate effect was that I lost {$11000.00} of available credit, therefore my credit utilization shot up to nearly 50 % and my credit score plummeted. I was in the process of refinancing 5 rental  properties. The refinancing would have saved me several hundred dollars per month for 30 years, or probably hundreds of thousands of dollars over the lives of the mortgages. All refi 's were placed on hold because of this move by BoA. I immediately called BoA for an explanation and a way to fix the issue. To be clear, I had cash on hand to pay the {$8800.00} in full, but was only taking advantage of the offer BoA sent me. Over the next week I called BoA 9 times and was on the phone for over 10 hours. They confirmed that my credit score was XXXX but would not tell me why my account was closed. I begged them to reopen the account and told them I would pay the amount in full. They said no. The only info I received from them was that they closed the account because " an account with us and/or our affiliates has been revoked. '' TO BE CLEAR, THE ONLY ACCOUNT THAT WAS REVOKED WAS THIS ACCOUNT. There were no other late payments on any credit report nor were there any other closed or revoked accounts or negative reporting OF ANY KIND. In short, BoA made an offer, I accepted, then they closed my account because I accepted their offer, then they crashed my credit score and cost me hundreds of thousands of dollars. THIS AMOUNTS TO DECEPTIVE LENDING ON THE PART OF BANK OF AMERICA.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-05-09
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:
I recently noticed the following collection accounts on my EQUIFAX consumers credit report : XXXX. XXXX XXXX XXXX- {$730.00} XXXX. XXXX XXXX XXXX. - {$1500.00} Prior to these accounts being listed on my consumer report and to date, I never received DOCUMENTARY EVIDENCE that the debt owed is accurate from the creditor nor credit reporting bureaus. Valid documentary evidence must be as listed under the 15 US Code 44 Documentary evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records. 

If this proof is not provided, the accounts can not be listed on my credit file as accurate and I can legally sue for incurred damages. Please note that copies of statements are not accurate proof of such.

Company response to consumer: Closed with explanation