BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: TN
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:
My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: LEXISNEXIS
State: IL
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Monarch Recovery Holdings, Inc.
State: PR
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 am writing to formally dispute the validity of a debt that your agency has been attempting to collect from me. I recently received correspondence from your agency regarding an alleged debt in the amount of {$1300.00} owed to XXXX XXXX XXXX. However, I would like to bring to your attention that this debt is not mine and I believe it has been erroneously assigned to me. 

Upon careful examination of the United States Code, specifically the Fair Debt Collection Practices Act ( FDCPA ), I have identified several sections that empower me to dispute this debt and seek its verification : Section 809 ( b ) of the FDCPA states that, within five days of initial contact, the debt collector must provide written validation of the debt, including the amount owed and the name of the original creditor. I have not received any such validation from your agency, and I request that you provide me with the necessary documentation to prove the existence and accuracy of this debt. 
Section 809 ( a ) ( 4 ) of the FDCPA mandates that, upon the consumer 's written request, the debt collector must provide the consumer with the name and address of the original creditor. Therefore, I kindly request that you disclose the complete contact information of the original creditor associated with this debt. 
Section 809 ( b ) ( 5 ) of the FDCPA requires the debt collector to cease collection activities until it has provided the consumer with the requested verification of the debt. Therefore, I demand that you immediately cease all collection efforts regarding this disputed debt until you have satisfactorily provided the necessary validation and supporting documentation. 

I would like to emphasize that I have been diligent in maintaining my financial records, and I have no knowledge or recollection of any outstanding debt owed to XXXX XXXX XXXX. It is crucial that you investigate the matter thoroughly and correct this mistake promptly. 

Failure to comply with the FDCPA 's provisions outlined above may result in legal action, including a formal complaint lodged with the Federal Trade Commission and a civil lawsuit seeking damages for violations of the FDCPA. I trust that your agency will handle this matter with the utmost professionalism and adhere to the legal requirements governing debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Capital One Money Market account on XX/XX/XXXX. My account number is XXXX. Under the terms of the bonus offer at the time, the offer stated the following : " Deposit at least {$50000.00} no later than XXXX XXXX ET on XX/XX/XXXX If you have or have had a savings product with Capital One after XX/XX/XXXX, you wont be eligible for the bonus. 
Bonus offer is not valid for multiple accounts. 
If you qualify for a bonus, Capital One will deposit the bonus money into your account within 60 days after completing the above conditions. 
Once its deposited, the funds will be available immediately. Account must be in good standing ( not in default, closed, or suspended, or otherwise not in good standing ). 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them. '' Upon depositing $ XXXX in $ XXXX installments over the period between XX/XX/XXXX and XX/XX/XXXX, I then proceeded to withdraw the funds from this account. I have since tried contacting Capital One on chat and then on phone, and proceeded to speak with a customer service representative and a supervisor who advised that the terms of the offer have since then changed and keep directing me to the renewed terms of the offer which state that the funds need to be in the account for a period of 60 days after the time passes. The terms at the time of the account opening do not have the requirements for the funds to stay in the account for 60 days. The terms of the offer were not honored for me even after fulfilling the requirements. 

I request that the {$500.00} bonus offer be honored by Capital One since I deposited the required amount during the period between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Account information incorrect

Complaint:
Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is inaccurate because the CARES Act provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian Credit Bureau decreased my score by 37 points after I made a payment ON-TIME to a creditor, XXXX XXXX, for an automobile lease. Knowing that my payment was on-time, I reached out to Experian, but was able to talk only with a front-line Customer Service Representative, whose name I could not acquire,. She informed me that, because my payment was the final payment of the automobile lease, I no longer have an ongoing installment loan, which lowers my credit score per their algorithm. I can't account for their algorithms in computing credit scores, but I don't believe that I should be punished simply for fulfilling my obligation to pay an installment loan - such as an automobile lease - in its entirety. This is as counterintuitive as anything that I've seen. If anything, I now have less debt than I had one month ago, so my creditworthiness should have improved or, at worst, remained the same.

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 2021-03-26
Company: Colony Brands, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started getting bills from XXXX XXXX. I have no idea who XXXX XXXX is. I wrote and spoke to them advising them I have not ordered anything from them. They have made a derogatory entry on my credit report however they do state I am disputing this charge, that it was identity theft and I have not received any product from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX XXXX Balance : {$3800.00}

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Improper, Unlawful use.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent in letters to XXXX to have 8 accounts and removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. On XX/XX/2022 I sent in letters to Transunion to have 6 accounts removed. I also sent letters to XXXX XX/XX/2022 to have 5 accounts removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.

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 2023-09-08
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account with no warning almost 6 months ago. A XXXX  later I asked for my funds. They asked for proof of my new address. I supplied it within a day. They never sent the check. I again requested a check. They asked for the same information, I provided it immediately. Check still didnt arrive. A month later I asked again. They asked for the same information for the third time. This has been XXXX  months and XXXX emails. It is only {$200.00}. I am really getting frustrated and I am getting nowhere. CHIME

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXXXXXX. Please correct and update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: LA
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 was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I closed my checking account and I am still receiving online notifications that it's open and the account was never closed just stay at a XXXX balance

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 2023-09-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received 2 Amex gift cards for {$100.00} each from my employer, tried using them at NUMEROUS online stores, including XXXX, XXXX, XXXX , tried putting the gift card into a XXXX account , and ALL transactions were declined. Called Amex Customer Support and was told NOTHING helpful, said " measures '' were put in place for MY safety (? ) and to prevent fraud (? ) and to try back in 24 hours. Same thing happened after 24 hours. IT IS BEING DECLINED EVERYWHERE INCLUDING PHYSICAL STORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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

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 2023-09-08
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I sent EdFinancial six emails on XX/XX/. The six emails were similar to each other. I have instead received an email today ( XX/XX/XXXX  ) designed to waste my time. The insulting letter states your life may have changed since the last time you made a student loan payment, wherein EdFinancial is blaming me by making an anti-science reference to destiny or chaos theory, for what is their own fault in misappropriating the money I have sent them. This is harassment from EdFinancial. 

EdFinancial, in my online payment platform, alleges the following loan and these four details : 1-04 Direct Loan - Unsubsidized Loan Status Repayment Estimated Payoff Date XXXXXXXX  {$94.00}. 

However, I have paid {$70.00} towards this loan. EdFinancial acknowledges receipt of the {$70.00}, but refuses to apply it to this loan. I specified this exact loan group when making a payment. EdFinancial also confirmed that I have the ability to specify a specific loan for payment. I have selected this group for payment as it has the highest interest rate, and paying this group would send the ( alleged ) loan balance for this group down to between {$10.00} ~ {$25.00}, contingent on some other problems. 

I have selected Keep getting calls about your loan as I had no way to indicate email harassment in the CFPBs list of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for a BJs Credit Card through Comenity Bank. They approved it for a {$10000.00} limit. In less then a month, they closed it because they said they didnt like some information found on my credit report. Now I have an account that was opened and closed within a month on my credit report. This leaves a negative mark on my credit stating that the creditor closed my account less then a month after opening the account. I requested the bank to reopen the account but they will not. I rank a VERY GOOD credit score. If they dont want to extend the line of credit then so be it. However, I should not be penalized on my credit statement showing an account that was opened and immediately closed. If they they didnt like me credit report then they should not have approved it just 3 weeks prior. I showed no sign of excessively utilizing the given credit line, so there determination should have taken place before opening this account. So I would like to request the removal of this account off my credit report entirely. This is not fair for them to leave their mark on my credit report for 10 years based off something they could have denied from the beginning. Please let me know if you can be an assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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:
On XX/XX/2018 I reported to Experian, XXXX  and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX and all 3 credit reporting agencies. XXXX  immediately removed the account, but Experain and XXXX have not. 

Know Experian is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.

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