BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, Experian was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the XXXX notices sent out, due to failure of this fiduciary obligation by these entities. 
Experian : XXXX XXXX : XXXXXXXX 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 2021-07-23
Company: CREDIT ACCEPTANCE CORPORATION
State: UT
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:
Credit Acceptance is reporting late notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Due to Covid, I got really slow at work. I work XXXX XXXX and work just came to a stand still for a little for me and it was hard to make my payments on time. I did not mean to be late and paid the account as soon as I could. I ask that Credit Acceptance please make a one time goodwill adjustment and remove the late payments. I was never late prior to this and have been in good standings since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: LTD Financial Services, L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LTD Acquisition, LLC is attempting to collect an old debt that was paid off. The debt owed to XXXX XXXX card issued by XXXX XXXX XXXX XXXX  was paid in full. 

I was issued a new credit card by XXXX XXXX after I paid the old credit card debt off. 

LTD Acquisition, LLC, recently added a {$660.00} collection debt to my credit portfolio. 

The original debt was a paid charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have used XXXX for a number of years. They offered me a personal line of credit of {$2800.00}. I agreed to their terms ( the fine print ), understanding that the personal credit line was actually offered by Synchrony Bank. Since I have a very short credit history, I am vigilant to always pay down to zero any credit use within the terms of the credit card or personal credit line so that my credit score is impacted as little as possible. 

As I understood how credit scoring worked, use of my credit while keeping percentage of use below 30 % was ideal for increasing score over time. 

On XX/XX/XXXX I made a payment of {$1500.00} as I had used XXXX to conveniently purchase two airline tickets at XXXX XXXX earlier in the month. This amount was immediately debited from one of my accounts at XXXX Bank. As of today, XX/XX/2022, Synchrony Bank is holding back almost {$1000.00} of my credit line as 'security ' which is what their representative told me earlier today when I called to inquire why credit reporting agencies were showing my credit use much higher than it should have been. 

My guess is Synchrony is using this hidden and deceitful 'security ' as a way to comply with Federal Banking regulations related to retained capital requirements. Synchrony would not tell me when the 'security ' hold would be taken off my account. 

This practice is opaque, not explained AT ALL when opening the personal line of credit, and very negative to my overall credit rating which dropped XXXX points in the latest cycle despite me having no real outstanding debt. I liken this to corporate check kiting. Where are the regulators?

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 2022-06-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and XXXX Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct 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 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due.

Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default and an opportunity to cure for XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).

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 2023-03-04
Company: EQUIFAX, INC.
State: FL
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 below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *XXXX XXXX XXXX account # XXXX *CXXXX XXXX XXXX account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING EQUAFAX, XXXX, AND XXXX have violated my rights as a consumer and disregard to the laws set forth in FCRA. 
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 ; any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: TX
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : 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 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 2023-02-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a XXXX  check into my Wells Fargo account on XX/XX/2023. Funds said they would be available on XXXX. The check was for {$4000.00}. On XXXX funds were not in bank and said they wouldn't be available until XXXX. Called and talked to numerous people. Was told that XXXX hadn't sent funds over. Had my mom who wrote the check go to XXXX and they said funds were transferred on XXXX. It showed check was cashed and cleared her account. Had all the sequence numbers. Even gave her a print out. Called Wells Fargo back and then they said the hold was because I had overdraft fees in the last 6 months. Wells Fargo recieved my funds but will not disperse until the XXXX. I told them I had numerous charges going through. I could have been XXXX the money or cashed at XXXX. Wells Fargo just wants to cash in on fees. Very shady business practice. Why would they hold money that has already cleared from the other bank. Makes absolutely no sense. Another way to XXXX the consumer. I hope the government comes down hard on these institutions!!

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 2021-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase bank froze my bank account on XX/XX/XXXX due to suspicious activity. When i called them to find out what the issue was, they advised me that they needed acceptable documents. I can understand if they would have helped me apply for the loan which is a service they offer their customers, but I myself applied for these grants, i submitted proof of my business, and the grants ( XXXX XXXX, XXXX XXXX  XXXX & XXXX XXXX XXXX ) were awarded to me and deposited into my bank account. XXXX has no right to hold these funds or my personal funds or even try to implement their own requirements 2 months after it was deposited into my account. Chase has yet to release my funds and they keep giving me the run around asking for one document, telling me its all they need and when i send what they request, they come back and throw a new document request! This is ridiculous! I have submitted more than 20 documents to prove my business is real and still nothing! I sent JP Morgan chase emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and nothing has happened! I have also submitted a complaint through the XXXX  and have reached out to several media companies to bring this issue to light since i have been finding out they are doing this to several people. out of all the emails i have sent with documents, they have not physically responded to a single one and only give me an answer over the phone and claim the conversation is being recorded if it ever turns into a legal issue. How do i know this is true? I have also contacted the SBA directly and advised them of the issue and they have also advised that Chase has no right to hold the money and it is not their concern whether or not the funds were deposited into a checking account instead of a business account which is how this all started! I just think Chase is upset that i do not want to open a business account with horrible bank like theirs! Unfortunately SBA can not intervene due to Chase already having the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent.

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Ct. XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. 



1. XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3.XXXX  Inquiry date XX/XX/XXXX 4.XXXX XXXX XXXX  Inquiry date XX/XX/XXXX 5 . XXXX XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX date XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 10. XXXX XXXX Inquiry date XX/XX/XXXX I am disputing these claims due to : I have no knowledge of these inquiries. These inquiries are Fraudulent and I am requesting that they be removed immediately. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, Ive tried to reach out to PayPal 5 times now and they havent helped me whatsoever. I have attempted to cancel a money transfer to a fraudulent account via PayPal. Then since they didnt help me I blocked the payment from my bank which was successful until PayPal just randomly chose a card on my account and charged it WITHOUT permission despite me telling 2 different service reps that I had withdrawn my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 I changed my wireless mobile provider from XXXX XXXX to XXXX XXXX XXXX. When I left XXXX wireless my account was in good standing with {$0.00} balance owed. Several months later I received a bill from XXXX XXXX in the amount of over {$1200.00}. When I called XXXX XXXX and attempted to find out what this bill was for, no one could figure it out and stated to me they arent sure. I advised them that I was not sending any payment to them unless they can clearly explain to me what the bill was for, because I confirmed via telephone with a XXXX XXXX representative when I made my last billing cycle payment that there was absolutely nothing left else I owed ( hidden cost, termination fees, etc. ). But he insured me that there was nothing else. For a few more months I attempted on multiple phone calls to them over and over again to find what this bill was I received for more than {$1200.00} but every time, not a single person understood it and was not able to explain anything at all to me. Eventually they sent it to collections where it still remains and continues to hold my overall credit score down. After a few months of it being in collections I went to a local XXXX XXXX corporate store and went over the bill with a manager there, who was the first intelligent person to figure out what they were looking at and explained to me it looks like XXXX XXXX continued to bill monthly cycles under my account, even though the account was terminated the day I switched to XXXX XXXX XXXX. How do you bill Someone for months that isnt even no longer a customer? This is a huge mistake on XXXX part and because of their negligence, my credit has been severely damaged! I cant even talk to someone with XXXX XXXX to have them straighten it out since its there fault, because they told me they no longer hold the account, and that the collection agency ( Jefferson Capital ) now holds the information. And when I called Jefferson capital to notify them that they were sold a bogus account from XXXX XXXX, they advised me there is nothing they can do for me and just kept asking me how I want to pay it? I told them I was not paying anything because there was no debt in the first place. I need this matter to be deleted from my credit history and wiped clean immediately. This has been so unfair and has really caused a lot of headaches financially for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: ID Analytics, Inc.
State: CA
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:
I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction

Company response to consumer: Closed with non-monetary relief