BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-12-02
Company: EQUIFAX, INC.
State: NC
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 have disputed the XXXXXXXX XXXX XXXXXXXX XXXX accounts and they still remain on my credit report. No documentation has been provided to me with my signature on it to verify these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the month of XX/XX/2020 I CONTACTED XXXX XXXX XXXX To dispute a validation about purchased debt from the original creditor Comenity Bank, in the amount of {$370.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at XXXX XXXX XXXX XXXX removed the False inaccurate account from my consumer report. As a result we were not able to come to agreement to removed this false and inaccurate information from my consumer report I feel my rights have been violated as a consumer and have been taken advantage By Comenity Bank and XXXX XXXX XXXX. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: LA
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 disputed this account on many occasions this account is in Litigation with XXXX states on agreement of the lawsuit this account should be deleted from all bureaus its deleted from XXXX. But XXXX   and Equifax wont delete it ... I have documents from my Attorney General and screenshot pictures of this account removed from XXXX  ... XXXX filling a complaint on both Bureaus XXXX  and Equifax the account is XXXX XXXX this company is known for subprime loans they give large interest rates loans to customers that cant make payments with low credit scores. Inaccurate reporting to bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello! 

I am reaching out to open a new complaint based on my previous complaint that was unfairly closed. Bank of America claimed that it could not confirm I was the individual who submitted the complaint. A representative named XXXX XXXX emailed me and I responded to that message AND left a voicemail within 7 days of receiving communication ( see XXXX Attachment ). XXXX emailed me on XX/XX/2020 and asked me to reply before XX/XX/2020 to confim my identity. I completed all these steps but was ignored. My complaint was subsequently closed. Once again, I am requesting information as to why Bank Of America 's {$0.00} Liability policy is being disregarded. I have also attached information regarding the failure of Bank of America to provisionally credit my account during the investigation of a {$5000.00} transaction with XXXX XXXX XXXX, XXXX. As part of this transaction, the merchant was contractually obligated to provide me with several products and failed to do so. I completed an Unauthorized ACH Return Form and submitted it via fax on XX/XX/2020. I called Bank of America and spoke with a representative on XX/XX/2020. The representative shared that Bank of America was in the process of recovering the funds and that I would receive a temporary credit within 10 business days. As of today, XX/XX/2020, I have still not received this credit. Thanks for your support and please advise regarding next steps. 

Best, 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 2023-09-15
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it concern I am filing a complaint on Sequium Asset Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX in to Reference # XXXX XX/XX/XXXX This company called me to collect a debt that was already resolved by XXXX XXXX which is XXXX XXXX. I as this company do not call or send me a letter because it has been resolved by the XXXX XXXX Resolutions Manager, XXXX XXXX XXXX number ( XXXX ) XXXX XXXX EXT XXXX I was wrongfully sold this product and billed for it. I returned the phone and the bill was erased by XXXX XXXX XXXX. I am not sure how this company got this but this was taken off my credit once the issue was resolved with XXXX XXXX XXXX If needed I have the emails from XXXX XXXX this has been resolved. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : Cavalry partial account # XXXX Cavalry Portfolio SVCS has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}.

The above mentioned account is an old XXXX XXXX credit card which was closed due to fraud back in XX/XX/XXXXwith the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old.

I have written Cavarly Portfolio twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX.

Cavarly Portfolio has refused to provide those records and alternately become more aggressive trying to collect.

I will prove that Cavalry Portfolio has been engaged in fraud against consumers for years.

I will prove Cavalry Portfolios intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit.

Cavalry Portfolio has also provided untruthful statements to XXXX, XXXX & XXXX  in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports.

These and other willful schemes of Cavalry Portfolio has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX   XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord.

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court.

Through my research, it seems Cavarly Portfolio has a history of manipulating records and attempting to collect on debts they have no legal right to collect.

I have requested records of this debt and Cavalry Portfolio has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 I made an online purchase from Pottery Barn using my Capital One Pottery Barn card. They placed a hold for the purchase amount in the card, and the same day submitted a duplicate transaction which caused my account to overdraft. I immediately called into Capital One, who brought Pottery Barn  on the line. They explained this was a known issue within their system. I requested the order be canceled and the card closed as this seemed a suspect process. Both Capital One and Pottery Barn assured me the transaction and order were canceled and my card was closed with a XXXX balance. Towards the later part of XXXX I checked my online Capital One account and noticed there was a {$2500.00} charge from Pottery Barn on the closed account with no transaction data. I called Capitol One twice. The second call on XXXX XXXX they got Pottery Barn on the line yet again. Pottery XXXX said they had tried to reverse the charge but the transaction got returned by Capital One. They agreed to work on this issue over the weekend and call me on XXXX XXXX to confirm resolution. They never called me. On XXXX in the evening I called back into Capital One to register an official dispute. Capital One was reluctant to register my dispute because I could not recall what I had ordered in XXXX from Pottery Barn. I then requested that they submit as fraud, which they said would not work. Ultimately they agreed to open the dispute. 

This was consumer fraud on the part of Pottery Barn and their card vendor Capital One. They admitted during multiple calls that the double charge was a known system issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: EQUIFAX, 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:
Equifax is reporting a duplication of an auto loan that I am the co-buyer on with my grandmother. The loan account was opened XX/XX/XXXX with XXXX XXXX XXXX with a current and remaining balance of {$12000.00}. This is the ONLY loan that we have with XXXX. I have disputed this error with Equifax on numerous occasions to include numerous online disputes as well as phone calls. I have been told by Equifax to contact the creditor ( XXXX ) and have them validate the correct account. XXXX has and continues to validate the correct account and report information monthly. Equifax updates the correct account while disregarding this duplicate entry for almost 2 years despite my numerous disputes. Its an obvious duplicate as both entries show the same account number. We never closed an account and opened another with XXXX and XXXX has confirmed there has been no reason or changes that would to justify an additional entry. 
The duplicate account has not been updated since XX/XX/XXXX which is when it was added, still shows a balance of {$17000.00} and an account open date of XX/XX/XXXX. All incorrect, proven incorrect yet Equifax has and continues to report incorrect information that has not only lowered my credit score, increased my debt to income ratio and directly impacted my credit worthiness and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2022-07-25
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: Personal information incorrect

Complaint:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, US DEPT ED, XXXX, XXXX, XXXX Company Inquiries : 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 2021-08-12
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchase a use XXXX XXXX XXXX  in XX/XX/XXXX, 4 months later the car was in a accident. I had insurance but it it issue a little late but was active and when the insurance company found out about the auto accident they didn't honor my payment, So i contacted my lender and told them my situation. I did have gap insurance. The lender sent their insurance appraiser to appraise the damage. The car was total with all air bags deploy and unrepairable damage. But their appraiser came back and said we miss the coverage of the gap coverage by {$100.00} dollar and they wont cover cause the damages was more then the car value by XXXX dollars.. So i stop making payments on a car that i could not drive. i ask them to pick the car up then to sell it and i owe the balance. They stated that they didn't want the car. So after the first few month of non payment they stop reporting it on my credit report .. Fast forward 3 & 1/2 yr later they stared reporting miss payments and adding charges.. I do not understand why this car was not charge off. I'm thinking they got paid for the car already with there gap insurance and still trying to collect them selves. this account is 5 & 1/2 years old and they still reporting late payments on my credit report and i never receive statements balance or nothing, how can they do this?

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 2021-05-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened XXXX and tried to send a friend the money back that he had sent to me. I had previously XXXX him XXXX $ but after that when I tried sending him XXXX $ with sufficient funds in account on XX/XX/2021, Chase automatically denied the transaction and froze my connected checkings account. They provided a number to call but when I called the first time on XX/XX/2021, the customer rep escalated it twice before the third telling me his higher up would contact me within 24 hours but I have gotten no response. I called them again, this time escalated once before the customer service rep made up bogus security questions ( asking me if I lived in apartment or house on an ave. I have never lived on, they had already asked my address before this ) ( what my job at XXXX and XXXX was despite me being XXXX XXXX XXXX college student ) then hung up on me after I told them these aren't my questions. 

I was also emailed a cancellation notice of the payment along with a secure message about my account, except I can't view the message due to account suspension ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX  XXXX XXXX Balance Owed : {$1900.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}.

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