BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
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 fraud alerts or security freezes

Complaint:
On XXXX I applied for a retail store credit through a company called XXXX. My application was delayed as I have a Identity theft alert on my reports. That application was denied as they stated that I failed to provide the required information to process the application. i called the company and while I was on the phone they stated that the problem could be resolved after they verified my identity by calling me on the phone number noted by the alert. The phone number on the alert was XXXX, the credit was declined due to the failed verification. On XXXX I contacted Experian and asked why this error existed as in recent years and months, I had changed the phone number to XXXX. The Experian agent confirmed the new number and also stated that their system somehow possessed the old and the new phone number, but had disseminated the old number, and not the new. I was then instructed to speak with Experian 's fraud department as they would be able to change the inquires which were impacted by the incorrect reporting for four years. I was forwarded to a fraud specialist named " XXXX '' and she began to berate and insult me after she was presented with my issue. She stated " I know that you are lying because that no one really sent you to me. '' After a few minutes, I requested to speak to another fraud specialist, and she refused. I then terminated the phone called after i felt being insulted and " XXXX '' was refusing to send me to another specialist. Later, on XXXX I called back to Experian and was forwarded to another specialist. This time the fraud individual provided me information that the last time I contacted Experian was in XXXX. This information is false as each year since XXXX i check on my credit through the Experian credit monitor service where I pay to have access to my credit. Then, I altered the phone number as I moved from XXXX to XXXX in XXXX. I again informed the fraud specialist that the Experian agent confirmed and conceded that there system possessed both the current and the old verification phone number and published the wrong information. He then stated that Experian had no legal obligation to publish the correct information or change information that is incorrect. At that time, I again terminated the phone call from the fraud specialist as his comments were not only illegal but may have been a statutory violation of the Fair Credit Reporting Act.

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 2023-11-07
Company: EQUIFAX, INC.
State: OK
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.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 2023-09-15
Company: EQUIFAX, INC.
State: NY
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:
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 accounts ( A ). It is not permitted to report these accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 XXXX XXXX, XXXX XXXX /d/b/a MIDLAND LOAN SERVICES XXXX XXXX XXXX XXXX XXXX , Kansas XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX   XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX, XXXX XXXX /d/b/a MIDLAND LOAN SERVICES to validate the Debt , in connection of the Proof of Claim filed on regard XXXX XXXX XXXX Loans # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ).

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt.

2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt.

4. Release correct copy of all Allonge, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust.

5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired.

7. Complete payment history on this account along with an accounting of all additional charge being assessed.

8. Commission for debt collector if collection efforts are successful.

9. Any Judgments obtained by any creditor regarding this account.

10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent.

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was put on administrative forbearance against my will. As a result, I paid over {$600.00} in interest without that being a qualifying payment for PSLF. If the company is not able to do their job, the financial penalty should be their burden. It is impossible to get through to customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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 XXXX  Account ( 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX there was a hard credit inquiry made by Citi Bank NA, Best Buy. I did not apply for a new credit card. I called Best buy and it was confirmed that someone tried to open a credit card in my name for Best Buy, They cancelled the application and reported it to the credit bureau.

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 2021-02-16
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: Account status incorrect

Complaint:
XXXX XXXX has continued to be untruthful about the status of my account by reporting that there is a balance due of {$1600.00} and that the account is in a charge-off status. The account was settled in full last year in XX/XX/2020 and I was told it would take time for the status to update on my credit report. I called back to follow-up on the status of my account about every two weeks since then and was told to keep waiting as the account would be closed. After two months, i disputed the account as inaccurate status with the Experian credit bureau and had to wait 30 days for the investigation to take place. 30 days later the investigation was complete and they were able to confirm with XXXX that my account was still active and that I had a balance of {$1600.00} due immediately and the account was charged off. All of this was continuing to be updated monthly on my credit report even though we had an agreement in place and they already took my money. I continued to call every other day in XXXX to ask why this was being reported when we had an agreement in place and the account was already settled. I finally spoke with someone who acknowledged that the account should have been closed out in their system long ago, but they could not tell me why this was the case. It took them getting a manager involved ( mrs XXXX XXXX to comprehend their own information showing the account should have been closed already. I was then able to request a letterhead proof of my account status be emailed to me since they offered nothing and I had to ask for everything myself. The manager ( mrs XXXX XXXX called back a week later to thank me for my time. The damage has already been done to my credit as I have a job that requires I do not have unexplainable debt on my credit report and I am now without a vehicle since I am not able to obtain a new vehicle loan due to apparently still owing XXXX XXXX for a vehicle that was totaled over a year ago in a hit and run accident, which they for some reason were also not trying to collect and never reached out to me to pay this mysterious past due balance. I fail to understand why I had to invest any time at all into this situation and was not given any explanation as to why this occurred. As of today, XXXX is still reporting inaccurate information to my credit report simply because they are allowed to as that is how the system is designed to work. Whatever the creditor states must be accurate, so I unfortunately have to face the consequences of their lies and jump through hoops in an attempt to resolve their errors.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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.

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 non-monetary relief
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
When I asked for a supervisor I was told that none would be available and if they were the answer would be the same as the agent. That being said, I recently won a court settlement regarding XXXX XXXX. They were providing inaccurate information regarding my report. When I told the Agent I had a court order that states the information is to be removed, she said they do not investigate or dispute information. they are merely a data furnisher and they would submit my information to the creditor and if the creditor determines ( not the XXXX XXXX XXXX ) thst it is to be remooved then they will remove it, I explained that for 4 years they have been supplying bad information and that is why I got the court order, and she repeatedly said, If the creditor decides it will be removed. Not the judgement of the US Court. The creditor has been the problem with reporting bad info the entire time, but she said that regardless of what I submit, its what the creditor says, not our courts that matter. Does anyone see a problem with this besides me? If Experian is a data furnisher they should be accepting data from the US COURT system as well as the crooked creditor.This needs to be a lawsuit against EXPERIAN even more than the creditor. They should not be allowed to do this. If cfpb doesnt handle this asap i plan on taking them to court myself. this is insanity. We still live in the United States, and the law is the law, not what a creditor says is 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 2023-10-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraud Claim XX/XX/XXXX Claim numbers XXXX {$720.00} I need help resolving my fraud claim. I opened a fraud claim last summer. Your team denied my claim, even though I submitted a document from XXXX, stating that someone had illegally billed my account for their Invoices. XXXX immediately refunded several transactions and require that I reach out to chime bank and dispute the remaining transactions as XXXX could only go so far back. These transactions began in 2022. 

I have opened XXXX or XXXX rebuttals and they were all denied, and your team refuses to provide me with a reason for the denial. There is no one in that department that makes the decision to approve or deny a claim that a customer can speak to over the phone. We have to email Chime general customer service email for them to submit an auto-populated response. The response does no more than advise that you are denied and some one will get back to you with the documents utilized in the decision. When a response is emailed back with those documents it is only the documents that you submitted yourself as the customer when you opened your claim. I have been threatened that my account would be closed and hung up on by XXXX supervisors at the head of the claims team that you ARE able to reach via phone. Claim started out at over {$700.00} dollars. Claim was partially denied and emailed with a figure at $ XXXX and again with a figureat $ XXXX. All numbers are wrong. 

I have spent HOURS on the phone and email. Please research my entire claim and let me know who and what I need to do to get my XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus Equifax, XXXX and XXXX ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge. 
According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided. 
In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I applied for a business checking account at a branch location in XXXX, XXXX  on XXXX XXXX. The account was officially opened on XX/XX/XXXX. 

On XX/XX/XXXX, a deposit of {$15000.00} posted to my account. I have left the amount in the account, untouched, through the date of this complaint, XX/XX/XXXX. That is, I have not made any withdrawals on the account, nor been charged any fees that would reduce my balance. 

Per the terms of their new business checking account bonus, I should have received a {$500.00} bonus for XXXX ) opening an account on or before XX/XX/XXXX, XXXX ) depositing {$15000.00} within 30 days of account opening, XXXX ) and maintaining the balance for 60 consecutive calendar days as of the date of deposit. The bonus will then be credited to my account within 90 days from the end of the month in which the requirements were completed. 

Based on this timeframe, I met the 60-day balance maintenance requirement on or around XX/XX/XXXX and the bonus should have been credited to my account within 90 days as of XX/XX/XXXX. This would mean the bonus should have been credited no later than XX/XX/XXXX. 

I contacted the branch XXXX, XXXX, at the XXXX XXXX Citibank in XXXX, CA on XX/XX/XXXX via phone call. She confirmed I met the requirements and said the bonus will be paid within XXXX business day. On XX/XX/XXXX, I contacted customer service who said to contact the branch XXXX again. On XX/XX/XXXX, I spoke with XXXX again via a phone call, and she recalled that I qualified and said she would call me back but never did.

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 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a loyal capital one customer going on 6 years I have two credit cards with them I applied for an increase on XXXX rewards card in XXXX on 2022 and I got denied citing reasons of low credit utilization and that I had a recent returned payment on that card but it was due to mistake ordering online so I shouldnt be punished for that if I got approved for an increase I would spend more money at XXXX on a monthly bases Im asking that my XXXX rewards card ending in XXXX gets reconsidered for an increase to {$3000.00} also today I applied for a credit limit increase and got denied again for my capital one quick silver card because my credit utilization is too low the only reason its low is because once again my credit limit isnt high enough to spend what I would like to spend on a monthly basis if I got approved for more I would spend more thats why Im requesting an increase and I also dont know why Im being punished for paying card balances on time I thought capital one would reward me by increasing my limits so I can spend more I wish to have my quick silver ending in XXXX to be increased to {$5000.00}

Company response to consumer: Closed with explanation