BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX  % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Was not notified of investigation status or results

Complaint:
ON XX/XX/23 I SENT A CERTIFIED DISPUTE LETTER TO EXPERIAN REGARDING INACCURATE ACCOUNTS ON MY CREDIT REPORT. AS OF TODAY XX/XX/23 THEY HAVE YET TO INVESTIGATE OR RESPOND TO THE DISPUTE LETTER. ACCORDING TO THE FAIR CREDIT REPORTING ACT, THEY HAVE 30 DAYS FROM THE TIME THEY RECEIVE THE LETTER TO INVESTIGATE AND RESPOND.

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 2019-07-08
Company: Experian Information Solutions Inc.
State: MO
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 letter to the credit bureau stating that there is incorrect information on my XXXX   XXXX XXXX account on my credit report. 

The issues are there is no DATE OF LAST ACTIVITY The account is reporting Charged off 3x on my credit report. 

I told the credit bureau to delete the account because of the incorrect information instead they credit bureau reported that the company " verified '' the account and updated the payment history with a CO " charge off '' for XX/XX/2018 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/18. I went to town for shopping. When we got to town ( 2 hours commute ). I realized I forgot my bank ATM/ debit card. I did have my capital one credit card. And had about 900 available balance. 
So i decided, I will use this card. Everything was ok until we went to XXXX. My total amount was XXXX. And my card was declined and the machine stayed to call the credit card company. I did call them. They stated my card was flagged for suspicion of fraudulent use. I told them and they cleared me, stating it was me. It might have been flagged because I had not used the card in so long. They " unlocked '' my card. That's was 20 minutes of being on hold and trying to clear my account. And we had to stand outside the store because there was poor cell signal. My daughter had to stand with me in the heat. We went to our next place- XXXX XXXX XXXX. And my card declined for 80 some amount. My XXXX XXXX XXXX started getting frustrated of her mom talking on the fone for another 25 minutes. She crawled under the cart and got frustrated. They " unlocked '' my fone again. I stayed on the fone with them as we went to XXXX. I wanted to talk to a supervisor. The guy started being a bit to sarcaisc because I demanded to talk to a supervisor because I already answered all the questions needed to unlock my card twice and did not want to go thru this again. He sed " I explained this already and it was recorded, '' i told.him, well, the recording will.show how long i was placed on hold and how long this is taking. Not to mention, the recording will also show you, not transferring me to a supervisor. I was so was embarrassed and, by now, I got so frustrated, my daughter and I didn't enjoy our trip to town. I even forgot items because I was on the fone for a long time. Then he finally started to transfer my fone call, he transferred me to another customer service persons who spoke to me in some other language. He finally spoke back to me in English. He stated he was a customer service representative for Spanish speakers. He finally transferred me to a supervisor. He assured me he over wrote the system and I should not be worried my card would not decline. I told him, if I cleared all the questions that it was me, then why did I have to call again and to be embarrassed and afraid to use my card. I have been a loyal customer. And a month ago, I went to XXXX XXXX and used one of my other credit cards with no problem. 
We got home. We did not enjoy our trip to town. I spend so much talking and waiting on hold. I even had to make another trip to XXXX because I forgot items. And we got home, I still forgot several other items we needed. 
I needed to make 3 more stops but i was so afraid my card to decline, we didn't go.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I, Mr. XXXX XXXX, in XX/XX/XXXX was a victim of Hurricane Florence, SPS XXXX # XXXX XX/XX/XXXX I was offered a forbearance plan because I live in an area that is located in a natural disaster area declared under FEMA. 
The letter went on to state there were no payments due for the months of XXXX, XXXX, XXXX, of XXXX then a balloon payment due in XX/XX/XXXX. I have continued to make my mortgage payments they are current and on time. 
The letters from SPS and XXXX state during the plan term, they will not proceed to foreclosure sale or commence foreclosure proceedings on the property during the forbearance term. 
Credit reporting - They will continue to report to the credit reporting agencies. The report will reflect that the consumer has been affected by a natural or declared disaster. - ( i was not worried that my credit would be affected negatively ) XX/XX/XXXX, I have been denied for a loan. Due to the payment history being reported by SPS. They show {$0.00} monthly amount due on the letter. 
I have been disputing the information as they report to the credit agencies past due 30,60,90 day on my loan. ( I have completed the temporary forbearance ) I have spoke with the SPS and the credit reporting agencies about the late payments that are being reported and to no avail, they point fingers at the other. The SPS says they report we are affected by a natural disaster no payment due and the agencies state the SPS sends the information that a payment was not made, the agency only reports the information sent by the credit I have been trying to refinance my home to make necessary repairs and also to help prevent damage from the next storm. 
XX/XX/XXXX, I have been denied for a loan. Due to the payment history being reported by SPS. 

I sincerely appreciate your assistance with this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I A

M SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Based on my dispute with XXXX XXXX " XXXX XXXX XXXX  '', which has been negotiated with CFPB months ago, and concluded with XXXX XXXX admission that was done in error in charging for unearned services- XXXX still reporting " Serious Delinquency '' and Lack of Recent Installment Loan. The issue of delinquency has been discussed with the three Credit Monitoring Vendors, but with no avail. With regard to " Lack of Recent Installment Loan '' I have no idea what they are talking about, as I have nothing to do with any loans or payments issues.

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 2023-05-23
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-02
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was enticed to sign up for the XXXX XXXX because their website advertises that if approved, you can use the card same day either online or in store and get a 25 % discount on your purchase. 25 % off your first card purchase at XXXX today is at the top of list of benefits. So I applied and was approved instantly and given a {$4000.00} credit limit. A temporary digital card was added to my online wallet, and the website automatically set it as my default payment type. However, their system will not allow me to complete my purchase. It throws an error code that something is wrong with the card. After many multiple calls, online chat and even a store visit, a supervisor at the bank provider for XXXX credit card told me that the temporary card can not be used on the brand of product I am trying to buy. They told me to wait for the physical card. I went back and read the full disclaimer on the website ( https : //www.sephora.com/creditcard ) and there is nothing stating that the instant credit/temporary card would not be able to be used on certain brands, or otherwise. 

I feel that I have been misled by XXXX and baited to apply for their credit card under misleading pretenses. I could have purchased the product I want from multiple other stores, but I purposely close XXXX because of this credit card claim. Now I have to wait for the physical card to come in the mailthis was not stated on their website and had I known, I would have not applied for the card. I would have purchased the product elsewhere. 

I feel XXXX should be held accountable for misleading marketing about the ability to use the card immediately. It is not true in some scenarios, and they are baiting consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently created an account with XXXX XXXX in order to monitor my credit and improve my score. There were 2 derogatory marks, both from the Collection Bureau of Fort Walton Beach. At no time have I received any correspondence from them  about these charges. I have now filed a separate complaint for each of these. I tried to file a complaint through XXXX XXXX, but XXXX tells me my information does n't match theirs, so l get no where. This charge is for XXXX XXXX XXXX in the amount of XXXX and was opened X/XX/17. I h save no idea who they are or when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am an existing BoA customer ( through XXXX XXXX. I attempted to open a checking account with BoA through their website XXXX XXXX XXXX, and was directed to go in-branch ( not a good idea in the pandemic ). Called to open the account ( also on XXXX ), and go through security questions/verification, recorded disclosures ( no mention re CRA access ) and provide a bunch of info XXXX they already have all of this info XXXX XXXX XXXX. 

All is going along until about XXXX minutes into the call, the rep says the account can't be opened over the phone and that I should go in branch. She clarifies my CRA freezes are the issue, and that lifting them will take 30 minutes to reach her so alternatively I could try calling back. I lift the freezes and connect with a supervisor, who goes through the whole process all over again, only to say that I again need to go in branch or remove ( not the freeze ) but my security alert. The security alert is can't be removed online ( as far as I can tell ) and requires mailing in some form. 

1 ) why is BoA using CRA reports for bank accounts ( no credit ) /where is this use disclosed? 
2 ) why is BoA redundantly asking for all this info that they already have ( via XXXX ), and why were the XXXX accounts open-able online but not the checking account? 
3 ) why is BoA barring folks who have security alerts from opening accounts online/over the phone ( and requiring customers to go in branch )? If this is the case, why isn't this policy disclosed/question # 1 in any of their prompts. 

BoA 's apparent policy that an applicant removed their security alert altogether ( I don't believe the CRAs permit alerts to be temporarily lifted ) or in the alternative go in branch during the pandemic are unreasonable ways of addressing their security concerns.

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: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Visa statement shows a {$200.00} payment to PAYPAL *XXXX XXXX for {$200.00} on XXXX XXXX, 2020. 
This donation was for an organization I have supported, but the amount is usually for {$100.00}. 
I question the legitimacy of this charge for 3 reasons. 1. The amount is not the usual amount of my donation. 2. I have not received the usual acknowledgement of my donation. 3. On the XXXX ( the organization I intended to donate to ) web page, there was an area with a " donate '' icon and 4 credit card icons. When I clicked on the donate icon I was transferred to the PAYPAL XXXX XXXX site. I foolishly entered my information and made the donation. 
I have been in contact with PAYPAL and the XXXX XXXX and they give me no assurance that the donation went to the charity. 
I've since " XXXX  '' XXXX XXXX and see that it has a reputation for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX account number XXXX have no idea where this account come from please delete this account immediately. I all so have some inquiries on my credit report that was unauthorized my me XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts 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 2019-05-30
Company: Experian Information Solutions Inc.
State: MA
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:
There is this account on my EXPERIAN credit report that I do not recognize, the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with Experian and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked EXPERIAN for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.

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 2023-06-02
Company: Experian Information Solutions 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 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, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}

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