BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: HI
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 sent a dispute letter to Experian, on XX/XX/2021 asking for an independent investigation and asking to verify accounts with original contracts and original signature so that they please verify legal ownership of the following accounts : XXXX XXXX XXXX - Account # XXXX .... 
XXXXXXXX XXXX XXXX  - Account # XXXX ... 
XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account number # XXXX 

Unfortunately they replied today XX/XX/2021 with no Independent investigation results and they did not furnish any signed contracts or any original contract documents, it seems that sadly Experian merely was parroting Information received from other sources.

15 U.S.C. 1681 ( a ) ( 4 )

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 2023-09-11
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
Original Citi credit card hit with fraudulent charges. Citi reissues card, but before I even active it, Citi advises that the replacement card has been hit with fraudulent charges. They issued a second card, and then a third card, which has now been hit with a fraudulent charge as well. Feels like this is an internal Citi issue...? How else could we have been hit with fraudulent charges before the card was even activated? How could three replacement cards be hacked inside of one month? Citi makes it next to impossible to get answers. I spent a good XXXX hours on this, and now the 3rd placement has been compromised and needs replaced. A lot of time spent with no answers on how this keeps happening.

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 monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
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 # XXXX  XXXX ________________________ Account Name : XXXX XXXX Account number # XXXX  XXXX ________________________ Account Name : XXXX  XXXX Account number # 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 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 2022-07-25
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection on my credit report end of XXXX and then again XX/XX/XXXX. It was from XXXX and I have never had account with XXXX. I found that I was the victim of Identity Theft so I went through the process and filed FTC Claim and reported to other agencies, including putting Credit Freeze on all three Credit Agencies. 
I have excellent credit and always have, so these delinquent notices on my credit report is upsetting to me! The amount is {$1400.00}. 
Fast forward to today, XX/XX/XXXX, there is the same XXXX Debt on my Credit Report but it is from a Third Collections Agency! 
Today I was able to speak with a very cordial individual at Credence Resource Management Collections who said she was going to report this as Fraud to the back office of XXXX. 
However, this is the THIRD time I have been hit with the same debt that is not mine and was a result of Identity Theft. I also filed a dispute this morning with XXXX, Dispute Report # XXXX. 
And I am getting frustrated that XXXX keeps selling it to the collection agencies! Or at least, I think that is how it goes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a credit card with XXXX XXXX, which is commenity bank we had to get a replacement card. The card has never been sent to us, and they say they have some internal software problem with their computers for over two months now can not even use the line of credit. Finally, after dealing with them, I have spent three weeks trying to pay them off to close out account because we do not want their services any longer and they are telling me that they can not and they have no ETA on when its going to get fixed and 2 1/2 months later we are upset because our credit is tied up on this and they cant seem to get it fixed we cant use the credit we have nothing ultimately what I want at this point is to pay off my account and close my account which they say they can not do and even if I have a payment due they can not take payments. Either is what theyre saying. I only owe about {$120.00} and its hard for me to believe they wont let me pay it off and close out the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
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 disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Bread Financial Holdings, Inc.
State: FL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
OnXX/XX/XXXX - connecting flight through XXXX- purchased small magnet and wooden doll - asked sales clerk who spoke perfect XXXX about the price - $ XXXXUSD - gave credit card and handed sales slip written in XXXX with the amount of XXXX rubles - upon return home, discovered a charge of {$340.00}, not {$40.00}. Disputed charge onXX/XX/XXXXand XX/XX/XXXX to Bank of America ( Case # XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) and received reply that ... '' By giving account number to merchant and/or signing sales slip, ( I ) authorized them to bill account for the amount in question. '' Bank of America failed to investigate my claim, failed to hold back the charge while they investigated the matter and on XX/XX/XXXX ( XXXX PST ) spoke to Customer Rep. XXXX XXXX  in Tennessee who said there was nothing they could do, even though this unauthorized charge violates the Fair Credit Billing Act and Bank of America refuses to do their job.
<P/>
I provided BoA with a copy of the sales slip -- -and this obviously is not the first time it 's happened to unsuspecting tourists. Sadly, BoA refuses to abide by the Truth In Lending Act and should be sanctioned for failure to follow the law.

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 2022-11-15
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # XXXX XXXX, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is reporting bankruptcy info on my credit that isnt valid Ive called and ask to remove they refused, contacted the bankruptcy court they advised they do not report to the credit bureaus and is unaware of why its showing up.

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 2021-04-10
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I use Chime to take care of my money. Recently charges have been made to my account at a gas station ( XXXX ) in cities I do not reside in nor have I been in. The gas station is called XXXX and there are charges ranging from XXXX dollars to around forty. I have tried to explain this to Chime and have submitted disputes, which were denied the very hour of the very day that I submitted them. 

XX/XX/22 {$45.00} XX/XX/22 {$31.00} XX/XX/22 {$15.00} XX/XX/22 {$40.00} These charges are not valid. These charges also took place in XXXX, New Mexico whereas I live in XXXX XXXX, New Mexico. 

Furthermore, I DO NOT own a CAR or any other type of vehicle. Purchases at a gas station, for fuel, does not make any sense. 

I have tried to work with Chime, it seems as though their AI overrides their human interactions, which would have likely made the difference in these disputes. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX  XXXX Credit Card XXXX Comenity Bank I paid off my balance on XXXX of {$830.00} Two days later they charge me a late fee and then continued to do so up to XXXX with the " transaction '' being called an interest charge on purchases. I have not used the card at all since I paid off the balance. 
I also requested the card be canceled the day I paid the balance. They gave me a number that wasn't answered until today and instead of canceling the card they froze it even after repeatedly asking to cancel the card completely. I have a balance of {$120.00} now that I did not create myself because of " late fees '' and " transaction fees '', which again I have NOT used their card since the initial balance was paid. They have made it extremely difficult to communicate with them and I strongly believe they are doing it on purpose so that more fees can pile up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  account # XXXX, # XXXX and # 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 XXXX : It also states a consumer reporting agency can not furnish an account w/o 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 2022-09-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had to go to the emergency room at XXXX XXXX XXXX XXXX in XX/XX/2022 and after the physician told me that I did not suffer a XXXX related problem, I asked to be XXXX and allowed to go back to work. No one took notice of my request and thus several people came into the room to do all kinds of tests WITHOUT first explaining to me the reason ( s ) for said tests but also told me that ANY AND ALL fees would be covered by my insurance. I found out later that my insurance did not cover all fees. Consequently I asked for financial assistance and FULL CHARITY was granted to me by XXXX XXXX. Now I received 2 letters from Wakefield & Associates asking me to pay {$1100.00} and {$51.00} respectively for XXXX XXXX XXXXXXXX WITHOUT telling me Who was the XXXX XXXX and for WHAT? On top of that they charge me a fee of {$27.00} and {$1.00} respectively on top of the amounts charged ..... I had no job nor money to pay for these amounts. I recently got a part-time job for 16 hours per week at an hourly rate of {$13.00} before taxes and other deductions, leaving me barely enough to pay for gaz and food, not to mention that I have a XXXXyear old XXXX mother whom I have to take care of. I told whoever called me the first time to collect these amounts that they should contact XXXX at XXXX XXXX and not to bother me any longer. I need your help to resolve this. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: PMAB,LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 i disputed with the CFPB about PMAB , llc and they company responded that is was to be deleted from my credit reports. I disputed it with the credit bureaus and on XX/XX/2018 PMAB , LLC updates the credit bureaus as accurate. I was also sent a letter form the company that they deleted it from my reports and now they are still showing in there. I'm only writing this to let CFPB know that this company is shady and has been lying to you this whole time. I am taking legal matters as of Monday morning XX/XX/2018 i will be filing suit against PMAB , LLC and suing for damages and negligence from their company. I have the letter stating they were deleting it and copies of the complaint numbers they responded to on CFPB as well. I will have a judge from the courts have them comply with the letter and their responses here on CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It seems like when my student loan transferred from XXXX XXXX XXXX XXXX before transfer {$5500.00} on XX/XX/XXXX ) to Mohela ( Original Balance XXXX / Current Balance {$11000.00} XX/XX/XXXX ) the amount was increased significantly. I have documents supporting my claim. 
I called Mohela about this and was told it was a mistake on their part, this was around XX/XX/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 2020-06-18
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:
On XX/XX/2020. I sent a dispute letter along with a FTC report to Experian, explaining that I had fraud accounts on my report, and they needed to be removed. The certified letter ( tracking # XXXX ) via USPS. I followed up about 2 weeks later, to find out that the dispute was not even in the record with Experian. The customer service rep explained they had no record of any dispute. The fraudulent accounts still remain on my credit report. On XX/XX/2020, I went ahead and sent out the same letter & FTC Identity Theft report to Experian. The certified letter ( tracking # XXXX ) via USPS. I called Experian on XX/XX/2020, XXXX with Experian Dispute Department verified my information through identity verification questions. XXXX with customer service stated I needed to be transferred again to the special assistance center with Experian. I went through this twice, and when I am transferred, the IVR asks me to leave a voicemail, and just hangs up my call. I have been working to resolve this for months now, and I can not get anywhere with Experian. I have sent the letter & FTC identity theft report twice now, and still don't get any responses. 

I am attaching the dispute letter & FTC identity theft report that I have already sent twice. 

Additionally, I have a free basic online Experian membership, I do not have the ability to dispute my file online, I would like the ability to dispute online. No customer service member with Experian is able to assist me with that. 

I am attaching the error message I get when trying to dispute online. This is NOT a technical error on my side, as I have tried on every browser and 7 different types of computers/phones.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.

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