BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/22 a purchase of {$83.00} I did not make on my Citi Diamond Preferred years was notified, they cancel card and issue me new card and they will revue and credited the XXXX XXXX.On XXXX new cards XXXX  has another fraud chg, same company in amt of {$160.00}. I called, they cancel card and issue a new card. Rep says he will take of this and credit acct. New XXXX  has a credit and then its added back on and now fees and interest starts to accumulate.All the while I am calling and getting nowhere or am being cut off, transferred to different depts, all the while thinking they are taking care of this. They are not. I would get form letters saying they are working on it, months go by and fees and interest are pilling up. I call and state to them that I am not liable and do not have to pay, they agree. Then in XXXX I get a letter from XXXX XXXX XXXX that the account is in debt collection. I contact them and tell them what is going on and they will investigate and they did.One month later they sent me a letter stating it is FRAUD and to contact Citi. I did via a Credit Report Dispute and Investigation form that I and none at Citi told me about fouund online. Sent that off with a written letter along with 6 attachments. Finally in XXXX I get a form letter from Citi with the same old info that they are forwarding to proper dept. This debt is less than $ XXXXand would think that it was in the thousands. I am now noticing that they have knocked my very good credit ratng down over 70 points.THIS IS MY GREATEST CONCERN. I hope this watered down explanation will help for the moment. The XXXX XXXX sent me every statement that they got from Citi as there reference material on this matter I can send anythying you need on my end if needed. Thank You from a consumer in XXXX yrears has never had a collection agency contact me for a debt!

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 monetary relief
Consumer complaint received 2023-01-07
Company: Army and Air Force Exchange Service
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
In accordance with the fair credit reporting act the following creditors have violated my rights for account with AAFES/MILITARY STAR XXXX XXXX XXXX 15 USC 1681 Section 602 States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX  ; XXXX XXXX XXXX Balance 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 2022-12-21
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX as reported on my credit file with both XXXX and Experian has once again violated the fair Credit act. 

XXXX has lawyers send attorney letter that unlawfully violated the fair credit act. 

The attorney letter they sent to me demanding in that letter attached asking over {$1300.00} more than what is being reported that I owe originally and is trying to scam me. 

they are attempting to extort money for me unlawfully as you can see on the attachment and I demand the XXXX XXXX  accounts be removed from my credit files immediately and pay me {$1000.00} for this violation I have complained about this several times and XXXX XXXX  has ignored the complaint multiple times and I demand it be removed from my credit files for deceptive trade practices and pay me {$1000.00} for the violation.

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 2023-07-30
Company: Carvana Group, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX XXXX  XXXX, I purchased a XXXX XXXX XXXX from Carvana. At the time I had a credit rating of about XXXX according to all the information I could access from he reporting agencies. Part of the incentive to buy from Cavana was a 4 % interest rate with an excellent credit rating. As we were closing the deal I saw the interest rate was either XXXX or 12 % and I asked why my rate was so high. Even though my excellent credit score was posted in all XXXX websites, Carvana old me that they said that my credit rating was actually XXXX, so I get the higher interest rate. 

I asked them why do the reports I get say i have a XXXX credit rating, and yours says mine is XXXX? Are there XXXX different credit reports available to consumers and creditors? She said that is what they sent us, so that is what we are charging you an its not changeable. I called all XXXX credit reporter 's and they said no, you only have one credit score with us. They said it's possible that another one of the 3 agencies has a different score.

I checked and my score was even better at another one and about the same as the other. I was in the middle of a very chaotic relocating at the time, I ended up wrecking my truck and breaking my back during the move. All my payments are autopay so I I forgot about it.

Cavana refuse to recheck and lower my interest rate.I did not know that this agency existed and thought I was XXXXThey have my signature and the deal is done and there is nothing I can do. 

They scammed me and I have been paying over XXXX he interest I should have been paying. I worked had for that credit score and along with another incident, I have completely lost faith in the system.

Is there anything I can do? The note holder makes it difficult to see what my interest rate is and that has me worried as well.

Can you help me or steer me in the right direction? What they did to me is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX, Equifax, and XXXX asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX, Equifax, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
We have been banking for our business with Bank of America for over 8 years. Today, when I reached out to Bank of America, I found out that our account is forced closed on XXXX. I was advised by the bank associate to call the number on the back of the ATM/Debit card and get this corrected. Upon calling XXXX I was connected to XXXX in New Jersey ( location described by the representative ). After requesting for help, he spoke to his Supervisor and told us that since the account is closed we can not restore it. We tried to speak to the Supervisor but they hung up the phone. 

This is totally upsetting to us as we had this account for a very long time and due to recent lock-downs and travel limitations we are not able to get all the account holders in one place. Secondly, this is our main account for all our electronic deposits and payments as well. We have not received a single notice from Bank of America for such actions. We have been receiving all e-mails regarding our daily balances. At this point we are asking for your help to get this account restored. We can't afford to open a new account since we have to go through a lot of hassle to update our information with many vendors. It's only been 15 days, no notification of closing of our account. I don't see a reason for not being able to continue as it is.

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 monetary relief
Consumer complaint received 2023-01-07
Company: Frontline Asset Strategies, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX, XXXX, and XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a XXXX  loan in 2021 for XXXX and it was deposited into my personal business account at Capital One. I withdrew the funds via cashiers check & deposited in my business account with XXXX. Before I was able to withdraw, I had to provide the bank with proof of business Registered and active in the I did so and funds was released. I continued doing business through capital one & was receiving payments via XXXX  from my clients. In XXXX of 2021 capital decided to close my account and no longer do business with me because they suspected my loan was fraudulent. I submitted documentation to prove my business was legitimate, capital disregarded my emails and blocked me from accesss their services. They return my funds from my child 's minor account but still have XXXX frozen from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Affirm Holdings, Inc
State: GA
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:
In XX/XX/XXXX, I noticed several small charges to my debit card with XXXX XXXX from Affirm. I disputed the charges with XXXX XXXX and after their investigation found the charges to be fraudulent and refunded my account. During this same month, I spoke to XXXX different people with Affirm, repeating the identity theft of my information, unaware of what the charge was for, and that this account was not mine. I never received any further communication, invoices, or amount total from Affirm, or a request to provide documentation for my dispute of identity theft. I was not aware that there were XXXX accounts or the amounts with Affirm until XX/XX/XXXX when they appeared on my credit report. I contacted the XXXX XXXX XXXX XXXX department and filed a claim. I also filed an identity theft report with the FTC, and a copy was sent to the credit agency and Affirm. On XX/XX/XXXX, the XXXX XXXX XXXX, after investigating removed ( deleted ) all Affirm accounts from my credit report. 
I also contacted the debt XXXX using the generated form letter from the FTC and included the victims rights pdf and a copy of the identity theft report. This morning, XX/XX/XXXX, I noticed XXXX separate email communications from Affirm, informing me that the accounts that XXXX ( debt collector ) held were being sold and transferred to a different debt collector. I continue to receive auto-generated emails from XXXX XXXX another debt collector ), with no communication from Affirm or XXXX XXXX resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: NC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax states this account is accurate. How is that so when they failed to provide a XXXX release between me and XXXX XXXX for account # XXXX amount {$3600.00}. Also they never provided... 

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for or delete ; 2. Provide 1099c and credit insurance or delete ; 3. Provide original signed purchase agreement with me and XXXX XXXX or delete ; 4. Provide payoff disclosures, interest rate disclosures or delete ; 5. Provide collections ; license number and court documents that allow XXXX XXXX to continue to pursue this debt in Florida or delete ; XXXX. Provide documents that states this account was purchased or is XXXX XXXX collecting on the original account holders behalf or delete. 
7. Provide the name and phone number of the contact Equifax states verified all of the above. 

This account has been removed from XXXX and XXXX due to many violations and could not provide a written signed contract between me and XXXX XXXX. So what has Equifax received that the other credit bureaus did not?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached are screenshots of the accounts I stated that are not mines and also documents from my recent XXXX Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.

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 2022-12-21
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I notified companies that these inquiries was not authorized by me. The inquiry was applied without my consent.

Company response to consumer: Closed with non-monetary relief