BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX and XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.

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 2023-03-17
Company: EQUIFAX, 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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They dont stop calling, they call multiple times a day. They are even calling my parents now. I have a payment plan set with them but they are still harassing me and my dads phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items remove

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 2021-06-23
Company: EQUIFAX, INC.
State: TX
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm a government employee and I get paid monthly yesterday after I made a deposit to Bank of America located on XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX time. I received a print out receipt that shows that my money would be available until XX/XX/XXXX. I contacted the bank on XX/XX/XXXX after my deposit was made, I spoke to supervisor XXXX  who informed me that she was not able to assist me and that I had to wait until XX/XX/XXXX. I called the following day XX/XX/XXXX at XXXX XXXX  I spoke to XXXX I asked her about the Bank of America Policy in regards processing length for government checks at the begining of our conversation she said agree that It was withing one business day then she stated that it was about 7-10 business days. I email tried to contact Bank of America Branch where I made the deposit, I spoke to XXXX and she connected me to Customer service department where I was connected to a representative who's name is XXXX and she informed me that I can't have access to my funds until the XX/XX/XXXX, my mortgage and most payments are due on XX/XX/XXXX. My bank account shows as overdrawn. After contacting the bank multiple times no one is able to help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX  for {$980.00}, I do not have a contract with the collection agency, they did not provide me with original contract as I requested. Ive recently in the month of XXXX ask for debt validation from the debt collector and they refused to provide it. According to Law violation 15 U.S.C 1681G, I asked if they could validate this information and they refused. I ask to validate the information below : Please provide me with the original purchase agreement here.

A breakdown showing proof that Im liable for this debt with my name/signature showing Im going to pay {$980.00}.

A contract between you and the original creditor.

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 2023-03-17
Company: EQUIFAX, 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:
I am interested in processing disputes for all inaccurate information on my credit report with Equifax. please review the listed items that needs to be removed an update it on my file asap to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 company reported my balance to my account incorrectly which drastically increased my utilization on my credit report. If you look you will see that prior to this reporting my account balance has always reported low balance and utilization.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items remove

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 2023-05-22
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2023 I opened an American Express credit card with my business along with my XXXX number. On XX/XX/2023 I received Notification that my American Express business credit card was reported on my personal credit report, which is affecting my score. Its to my understanding that a business credit report is not supposed to be placed on a personal credit report upon asking American Express to provide me with a copy of their policy of their credit reporting I was declined to receive any copy of any policy that states American Express has the right to report a business credit on a personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: DC
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:
This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you

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 2022-11-01
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I closed my account with INDIGO - XXXX XXXX  Genesis FS Card Services with a balance of XXXX, they then sent me notification via usps mail that my account was closed with a balance of XXXX. On XX/XX/22 I received an email that a XXXX $ payment was due on the account, I then called they informed me the payment was XXXX I have called 3 times and they state there was a returned payment in XXXX that I wasnt aware of. I then asked how did my last payment go through and they inform the account was closed with a balance remaining. They would not transfer me to their fraud department, they state they dont have a record of the letter I was sent either I just need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that has caused denials. looking over my report these errors an items are not accurate on all 3 credit file. please review an remove the requested items listed in the files asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Chime Financial Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I received an email about unusual activity on my chime account, since then I have been emailing back and forth to Chime Support to regarding my balance that have been left in my account after the closure of my account. Chime requested several documents that I sent over for verification. Were now 2 years in and Chime has not sent me my money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TX
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 have sent letters on XX/XX/2022 disputing these unknown information in my report, but I did not get any response from the bureaus. If they have investigated or even took action they should have sent me results but they did not.

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 2023-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent certified letters to Equifax, XXXX, XXXX XXXX and other companies to conduct an investigation to verify inaccurate information on my credit report. It has come to my attention that a proper investigation was not initiated on my consumer report. I am a victim of unfair and abusive tactics to properly collect debt from different individuals, partnerships, corporations, trust, agencies or other entities. I have a right for protection as a consumer. To my knowledge I have been violated under certain laws listed below.

According to the law 15USC1681a ( d ), ( i ) ; 15 USC 1681a ( c ) Exclusions-Paragraph ( 3 ), ( i ) Does not include consumer report containing information solely as to transactions or experiences between the consumer and person making the report. 15USC1681 ( i ) Subject to subsection ( f ) and except as provided in subsection ( g ). has been violated. I have not given any written or signed consent to furnish information to disclose on my consumer report. I have enclosed copies of my letters and certified receipts along with the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Security Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company named Security Credit Services which also seems to do business as XXXX XXXX has reported a fraudulent collection of {$960.00} to my credit report. I have tried to resolve this issue with them but they seem to outsource all of their work to a company named XXXX XXXX XXXX and there does not seem to be anything that company can do to resolve my issue. The original debt was created with a company named XXXX XXXX, XXXX on XX/XX/2021 by someone who impersonated my identity and committed fraud. I do not know who this person is and was only made aware of the issue when I found the collection on my credit report. I have since filed a police report with the XXXX XXXX Police Department in XXXX XXXX, Virginia. I have called XXXX XXXX in hopes to clear this up. I have called Security Credit Services to clear this up. I have shared the police report information and besides the fact that I have little idea how to navigate these companies, they are not able to help me clear this up and get the information off my credit report. Specifically, the people at Security Credit Services are rude and not interested in helping to resolve this issue. I have disputed this with each Credit Reporting Company including XXXX, XXXX and XXXX with mixed processes and mixed results. XXXX has deleted the collection account from my report. XXXX still doesn't believe they have enough information. I have not heard back from XXXX yet. These companies are really hard to work with in a modern world. They have archaic systems, their phones are set up to push you to postal mail or their website and they seem very interested in selling their protection services more than they do resolving issues related to fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This is about one of Capital One 's Extension - Capital One Shopping. I have purchased things using the Capital One 's Extension ( Well over XXXX USD ) during XXXX XXXX. I had a total of XXXX USD in rewards. I have used XXXX USD to redeem giftcards however they held the gift cards and said that they will release them after 90 days. 

The following email was sent below. " Unfortunately, it is taking a little longer than expected to process your e-gift card redemption. Due to a high number of XXXX purchases, your Shopping Rewards are currently on hold. Although your current rewards balance covers the cost of those e-gift cards, your rewards will remain pending until the merchant 's return or cancellation window ends. If there are any returns or modifications made to the order, your Shopping Rewards will be reversed. Typically, rewards can be on hold for up to 90 days. This verification period varies by retailer ( the merchant associated with the Shopping Reward issuance, not that of the e-gift card ). As soon as your current Shopping Rewards balance is confirmed, your e-gift card order will be processed. We apologize for any inconvenience and appreciate your understanding. '' After waiting the full 90 DAYS. 

I expected the gift cards to be released however 95 days have been elapsed and I sent them another email asking for support and they have sent me the same exact message above. I sent another email after that explaining that it has been 90 days and I yet again, received the same EXACT email above. 

10 Days later they just suddenly blocked my account and said my account was closed for suspicious activity after I tried to contact them. I still had around XXXX in rewards sitting on my account and they suddenly closed it. I have reviewed the TOS and I breached no legalities.

It is basically fraud to promise something and then close an account for no apparent reason. I have tried emailing and contacting the company to no avail. Every response was just automated copy and paste. 

My account email was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an notification from my credit report company that I have a debt collection. After checking the credit report, there is a company called credit control service wants to collect a debt that I dont even know. I called the credit control service company and they told me they received the collection request from a company called XXXX XXXX XXXX. However Im not XXXX XXXX  XXXX  customer nor purchased any product from this company. I called XXXX XXXX  and they confirmed there is no policy number/information under my identification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: DC
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 letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, MD 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