BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed my credit report and noticed a collection made by southwest credit company.on XX/XX/23 I sent my first letter to the collection agency to validate the debt and to prove that I am indeed the party who is by contract obligated to pay off this debt. I also requested the following : 1. Agreement with your client that authorizes you to collect on this alleged debt.

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
I did not receive what I requested by southwest to ensure the validity of the debt. 
On XX/XX/23 I sent a second letter requesting for validation and not verification. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. I was mailed back a bill. Which is not competent evidence that I have any legal obligation to pay them the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: NY
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:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/XXXX Annual Credit Report number XXXX - Experian XXXX dispute and subsequent communications Experian reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday ( obstructions totaling 123 minutes ) and speaking with XXXX, XXXX and many others and XX/XX/XXXX Experian Customer Experience Survey Case # XXXX Experian again confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. Experian has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please immediately provide all documents/records by return email to 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 2023-07-26
Company: Experian Information Solutions Inc.
State: TX
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'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 XX/XX/2023

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 2022-09-14
Company: Experian Information Solutions Inc.
State: TX
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:
Submitted additional dispute documentation on multiple occasions over the last few months as Experian Credit bureau continues to leaves false inaccuracies on my credit report. This lack of initiative to correct fraudulent line items makes it impossible to have my report accurately reflect my credit worthiness. Despite countless attempts to submit the exact same documentation used with other bureaus to correct these inaccuracies Experian continues to falsely report these inaccuracies with no regard to the US Code for consumer credit protection. I am requesting the immediate proper investigation that I am entitled to per FCRA. I find it hard to believe that other bureaus are investigating the same items and removing the inaccuracies as required by law and Experian continues to let any and all information continue to be fraudulently reported regardless of truth or accuracy. Creditor continues to violate US codes ; collection to consumer report is in violation of 15 USC 1692d ( 4 ) engaging in unlawful extortionate activities and collection of extensions of credit by extortionate means is a violation of 18 USC 894. The inaccuracies in question are XXXX XXXX whom has been involved in litigation since XXXX where there were court ordered to removed delinquent accounts and to waive deficiency balances which the Coalition statement has been provided as with the other two bureaus ( XXXX and XXXX ) and immediate correction was made resulting in the deletion of this account from credit reports. The second inaccuracy is XXXX XXXX in the amount of {$1000.00}, which should be immediately removed due to the creditor violating the US Code for consumer credit protection by attempting to use extortionate means to collect debt which is against the law ( account has been removed from credit reports ( XXXX, XXXX ). The final and most important inaccuracy comes from XXXX XXXX XXXX  whom has added a collection only to my Experian report in the amount of {$3000.00}, this school added this debt to my credit report after receiving cleared funds from the department of education and they are now involved in litigation due to school misrepresentation and misconduct in violation of certain state laws. Sweet v. Cardona ( formerly Sweet v DeVos ). This creditor is attempting to falsely collect funds though they are not legally entitled to them. Experian does not investigate disputes as they properly should to protect consumers.

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 2023-07-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian stopped updating information to my credit card credit account since XXXXXXXX XXXX ; they listed the account as active but having " no status '', even though they've been receiving account information from my credit union. The account has been very active and there is plenty of current information available, as my credit union sends it every month ; but because Experian has stopped using the information that is reported to them every month, my FICO score has been eliminated : Experian suggests that they reason for no FICO score is that there is not enough information. 

Experian has been thoroughly notified repeatedly by my credit union that the credit report is inaccurate. I have explained it to them very thoroughly, on three occassions. Experian told my they credit union that they would update their credit report, but they have not done anything. They're phony response to the Consumer Financial Protection Bureau completely ignored my thoroughly detailed explanation. 

They have made no serious effort to repair their error and they continue to prevent me from acquiring a mortgage by eliminating my FICO score.

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/20 Investigation Notice XXXX and subsequent communications TransUnion reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday, XXXX employee # XXXX confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX # XXXX, XXXX XXXX XXXX,, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please provide all documents/records by return email to 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 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have received a letter from CapitalOne saying I am pre-approved for the quicksilver credit card. My credit score is stellar, I have never had a missed payment, credit card utilization is 3 percent, 3 car loans are paid, all is sweet. the score is about XXXX. 

I applied and got denied. I called them and they sent me a letter saying " two many revolving accounts '' and this is not true. I had many accounts before covid, but when Covid started I closed several credit cards, paid all in full. I was scared that we might get into a bigger trouble with the pandemic. 

I decided to stay just with 2 credit cards instead of 10 I used to have, but Capital-one red-flags me on this basis. So, they received my credit score via soft pull, included me into the targeted list, sent me an offer, I accepted, they got the same credit score via hard pull, and they denied me. 

this is a rip off. Had I had any troubles on my file I would be able to understand the attitude, but since nothing has changed on my score for years, I can't tolerate it. 

last but not least - 2 years ago I filed a complaint about capital-one via this agency about the business credit card, they called me and apologized after the investigation. I think they included me to the list of " trouble-makers '' and do not want to have me as a customer. 

Why they sent me a " pre-approved '' letter in this case is they mystery for me. 

once again I want to accentuate - nothing has changed on my score. It has always been in the stellar range, they just do not want to give me a card. It is unfair. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my Chase debit card was fraudulently used to make a purchase from a company called XXXX XXXX I did not order or authorize this purchase. I called Chase Bank that same evening to report it. They canceled my debit card to send me a new one. Then they gave me a temporary credit while they review the claim the following day another charge from the same company for the same amount. I did not have sufficient funds in my account for this purchase because it was not me making the purchase, but Chase Bank authorized both transactions and paid it even though I had no money in there my checking account was overdrawn twice Chase bank gave me a temporary credit for that as well. on XX/XX/XXXX XXXX  XXXX  put a credit in my account of {$59.00} on XX/XX/XXXX chase bank reversed that credit and took it out of my account. They also reversed it and took it out on XXXX XXXX which left me with {$11.00} for food to last for a week I have been calling and working with Chase Bank for over 60 days to get this resolved. They will not give me my {$59.00} back. They said their review client of the claim showed that I had provided information to authorize this purchases I did not. I have had a meeting on the phone regarding this. I have called the claims department several times. They are not going to give me my money back was their final decision. Ive got mixed messages some that were not true from Chase employees. Chase bank said I would need to contact XXXX XXXX and deal with it myself they did give me a phone number which I called several times the number did not the call did not go through as the number was not a good number. This company does not exist. It was a scam. I need help getting my {$59.00} back. I know its not a lot of money but I live on XXXX XXXX XXXX XXXX and its important part of my budget. Thank you very much from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
For about 2 years my Equifax report does not include all information. Sometimes it shows accounts for XXXX XXXX and then it changes and only includes accounts that also show my middle name. This creates a massive shift in my score and overall view of my credit history. I've tried to dispute things on their website but they wont open any disputes. 
I've tried twice t resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, INC.
State: NJ
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:
XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.The accounts below need to be corrected : 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 non-monetary relief
Consumer complaint received 2021-01-15
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The advertised interest rate was not honored. I opened an XXXX XXXX XXXX account because of promised interest rate of 4.5 APY ( 4.4 APR ). However, the bank credited less interest for the month of XXXX. It was because of an issue on their system. It took few days to rectify the issue. During this period, I was given a very low interest rate. When I tried to contact the bank multiple times regarding this issue, they didn't respond as promised. Please find in the attached document that the APY ( 4.24 % ) is less than the APR ( 4.4 % ). This is because of the issue I mentioned above.

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 2023-07-04
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX, I made the final payments on a vacation package for XXXX XXXX. XXXX XXXX canceled the vacation the day before I was scheduled to leave. I filed claims against all of the forms of payment is used to pay the vacation package in full. XXXX XXXX promised a refund for the vacation to customers. I did not receive the refund as expected by XX/XX/XXXX, so I filed the claims with my banks and credit cards. ALL funds were refunded EXCEPT Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Bass & Associates, P.C., Attorneys at Law
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I called and spoke to a representative of Bass & Associates, PC in order to validate the debt and any possible charge-offs against me. However, Bass & Associate, PC failed to validate any debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On the promotion they are not show it on the statement as a separation rate. They are showing everything under the higher rate. exp. the promo is 6.99 % and the standard is 22.00 % they are not showing what is what i did under the lower rate.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX 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