BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The full problems is below. I tried to comment on my original complaint XXXX, but was unable to. 
I spoke to XXXX at Commenity on XX/XX/XXXX and he assured me that within 2 weeks my balance of {$500.00} from another account would be transferred to my current account. As of today, XX/XX/XXXX it has not. This has gotten out of hand. It is my money and they will not transfer it to my open account. They told you they were working on the issue. How long does it take to move my money? My next step is to take legal action. 
Please try and resolve this. 
Thank you, XXXX XXXX -- -- - Original Complaint. 
I had a credit card with XXXX XXXX XXXXXXXX. I made a payment of {$500.00} on XX/XX/XXXX. What I did not know until after I made the payment to XXXX XXXX XXXXXXXX was they were selling or transferring my account to Comenity Bank. I received a statement from Comenity saying my XXXX payment was late and they charged me a {$28.00} late fee. I contacted Comenity and they told me it was because I did not make my payment in XXXX. I contact my bank and they said the money was removed from my account by XXXX XXXX XXXXXXXX. I contacted XXXX XXXX XXXXXXXX and they told there was nothing they could do because the account was closed. My bank, XXXX, tried to contact Comenity but they would not talk to XXXX as a third party. I contacted Comenity by phone as was told that they had the closed XXXX XXXX XXXXXXXX account with a {$500.00} credit balance and they would issue me a refund check of {$500.00}. That was on XX/XX/XXXX. I have not received that refund, so I contacted Comenity again and they told me, " Also be informed that your card ending with XXXX has credit balance of {$500.00}. We are unable to issue the refund due to account is closed as duplicate account. Upon checking in to your account I can see that as your correspondence accounts ending with XXXX, XXXX and XXXX is already closed as duplicate account. However, your account I see that your card ending with XXXX with XXXX XXXX XXXX is active and current. The available credit on your account is {$24000.00}. Therefore, your account can be used for further purchase. '' I do not understand why they can't issue me a refund for the {$500.00}. I want to close this account, but I am not closing it until I received my {$500.00}. I know my account is good and open, but where is my {$500.00}. I have written them 3 times and can not get an answer as to why they can't issue me a refund. I would like any help you can give me. I have reached the end of my rope. When you call them you get a different person who has limited XXXX and i can't understand them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AR
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX, XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/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 2023-09-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Anything you say can and will be used against you in a court of law. To whom it may concern, it has come to my attention that " Experian '' is in fact a consumer reporting agency in accordance with the Fair Credit Reporting Act 15 USC 1681a ( f ). Pursuant to 15 USC 1681 ( 3 ) Experian has assumed a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers privacy. This CRA has not respected my rights, they were unfair, partial, and furnished these accounts without my consent violating my privacy. Identity Theft is defined in the FCRA 15 USC 1681a ( q ) ( 3 ) as a fraud committed using the identifying information of another person, also see 18 USC 1028A ( a ) ( 1 ). I am XXXX XXXX, Consumer/Natural person. Also a CRA may only furnish in accordance with the written instructions, needs permissible purpose 15 USC 1681b ( 2 ) from the consumer to whom it relates, Experian never received my authorization, nor consent. I am demanding a block of this information 15 USC 1681c-2 ( a ), my FTC report is attached, all information will be included below, none of this information is in relation to any transaction committed by me, XXXX XXXX XXXX Consumer/Natural Person ). 
Experian Report # XXXX ( XXXX ) Address Record XXXX, XXXX, XXXX, XXXX, & XXXX .... 
( XXXX ) Accounts - XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX All the information listed shall be blocked in accordance to 15 USC 1681c-2 ( a ), within 4 business days of receipt as it results from identity theft as well as violations of privacy ( GLBA ) and the FCRA guidelines.

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 2023-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check with the amount of XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX using the mobile app. The next day I am told my account is restricted and will close in 10 days if I don't get the check verified. I go to the physical bank with the check and they verify it is real and call XXXX XXXX to verify the check but they say the number on the check isn't verifiable. It doesn't match the number they have in their system. So they tell me to go to a physical branch with a XXXX XXXX employee to verify the check. So I go to the physical branch again on XX/XX/XXXX with an employee of XXXX XXXX, XXXX XXXX, the lady who gave me the check, and she's bring the documentation to show the check belongs to me and proof she works for XXXX XXXX. They contacted fraud protection and they said the check can't be verified that way I need to provide a verifiable number. So I contact XXXX protection again multiple times for weeks and keep providing numbers to account payable of XXXX XXXX so they can verify they check. Chase tells me their number isn't verifiable. They tell me to get the owner of the XXXX account to contact chase to verify they check. So on XX/XX/XXXX, the CFO of XXXX XXXX, XXXX XXXX, and XXXX XXXX, Account Payable, and I contact chase fraud protection to verify the check. We talk to them for over XXXX hours to verify the check and then they want to say the CFO of XXXX XXXX can't verify the check. because XXXX XXXX number isn't verifiable. XXXX asked if there is the way we can recall the check or get it back and a representative says " No, the only way to get the funds for this check is to verify it with a verifiable number ''. We asked what is a verifiable number and they said the business number that match their system. The CFO told them that XXXX has been XXXX XXXX business number for 38 years there is no other phone number. It is now XX/XX/XXXX and Chase still refuses to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the 3 Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified by my employer that a debt was going to be collected from my pay check. I spoke to the debt agency and stated that the account that was being collected was not under my name. It was false identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM is in violation of FCRA and FDCPA laws! This company has not provided proof that I owe them any debt by way of contract. They also are in violation of the Gramm-leach-Bliley Act for sharing my information with anyone before getting my expressed prior permission or giving me the option to opt-out of third party sharing of any alleged debt/information. They are also furnishing this alleged debt XXXX XXXX XXXX XXXX XXXX XXXX  ) inconsistently on all 3 credit bureaus which is a violation that can be remedied with an immediate deletion of the account and no reinsertion! This account is causing severe damage to my finances!

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$23000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$24000.00}

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
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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 XXXX regarding account number XXXX XXXX in the amount {$260.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Bread Financial Holdings, 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:
The limited credit card closed the account due to Store closing,, they reported closed for months and then on XX/XX/19 they reported delinquent. 
Which I never was and why would you report closed for months then all of a sudden report delinquent? All my bills are paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. Thank you. 
XXXX XXXXXXXX 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 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXXXX/XX/2022

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 2023-09-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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:
I DO NOT RECOGNIZE THESE ACCOUNTS 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 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 2023-11-03
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX I received a summons that I was being sued by RMC of America for medical debt from XXXX. I never received any sort of bill in the mail and I'm being charged for bills from an agency I don't recognize. The original bill was with XXXX XXXX XXXX XXXX in XXXX XXXX, AR and they sold my debt to RMC of America. I also received no notification of that transaction. I had no medical insurance and asked the hospital for financial assistance options multiple times. There was XXXX communication with me, it was shocking and the bill is astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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 have a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX  XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: OH
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:
mailed my info and a copy of the unauthorized, incorrect and incomplete account ( s ) numbers and amount ( s ) stated on my credit report to all three major credit reporting agencies disputing the correctness, completeness and authorization of the account ( s ). I did get a response within thirty ( 30 ) days. They stated they could not find my account ( s ) and therefore could do nothing about the disputes. i rechecked my credit reports from all three credit reporting agencies and nothing has been changed. i have gone back again and started more disputes online again. The information on my credit reports are inaccurate, incomplete and as well as unauthorized. The companies reporting the information on my credit reports to the credit reporting agencies i have NEVER done business with and DO NOT have my authorization for anything! The information that is being reported is incorrect! I want the unauthorized, incomplete and inaccuracies removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I experienced identity fraud by a fraudster using my SSN and phone to create XXXX capital one accounts, which now is closed by Capital One. I am unable to be approved either way because of what the fraudster did to my identity and how the fraudster violated the terms and conditions of Capital One 's XXXX XXXX card and Capital One XXXX XXXX. I would like to start new with Capital One but they system automatically rejects my application because of past actions performed by the fraudster.

Company response to consumer: Closed with non-monetary relief