BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Bread Financial Holdings, Inc.
State: AL
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:
Creditor Name : COMENITYBANK/NY & CO XXXX Account number : XXXX Date opened : XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )

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 2023-05-25
Company: EQUIFAX, INC.
State: IL
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 HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX my husband received XXXX  at XXXX XXXX XXXX XXXX. We never received a bill from the XXXX XXXX until XXXX of 2023 and it was a statement from Mountain Land Collections with interest and fees added to the original amount due. We had never received a statement from XXXX and had no idea what this could be for as all providers had billed us and were paid in full in a timely manner. Their statement to us only listed a balance due and the interest due and EPIC being the assigner of the account. We contacted Mountain Land immediately and requested a copy of the original bill so we could verify its legitimacy and that it had been processed by our insurance company and that the charges were correct. We made arrangements to pay them {$200.00} a month due the XXXX of the month and requested a copy of the original bill. They sent us a copy of the same summary and not the original and told us we needed to sign a contract with our agreeing to pay all fees and interest. This had every appearance of a scam and made another request for an original statement. They served us papers on XXXX XXXX, XX/XX/2023 after we had made two- {$200.00} payments as agreed, XXXX and XXXX. We contacted them the very next day and asked why they had done this and was told it was because we hadn't signed the contract. We have made requests of both XXXX and Mountain Land to remove all interest and fees as we have complied with the terms of the payment plan and that we have been cooperative. When we finally received a copy of the original bill on XXXX, verified it, we sent a check for the remaining balance or the original bill. We have filed a complaint with XXXX XXXX XXXX as XXXX has a one star rating on XXXX with 109 reviews which cite similar experiences as ours. We have felt very bullied and have not had our emails returned from Mountain Land requesting removal of these unnecessary charges and an itemized statement from them as they keep adding charges to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I deposited my amended tax refund check from the IRS. This was a check that I had spoken to the IRS several times about and was expecting..my amended taxes had been accepted by the IRS on XX/XX/XXXX XXXX The check was in the amount {$4600.00}. I used Chime Mobiles check deposit and followed all depositing information. The check was accepted and deposited into my account. I then laid down to take a nap and when I woke up I had an email from Chime stating that my account had been closed and I had no access to my funds. I reached out to Chime for XXXX days by both email and phone and did everything that was requested of me. I provided my DL on front and back, my social security card, a utility bill, my tax transcript, a copy showing where the IRS has accepted my return. I even provides the letter I received from the IRS stating I had a refund coming. Chime requested 7 times this documentation and 7 times I submitted and on XX/XX/XXXX I received an email from Chime that my documentation did not meet requirements and they were closing my account and I would not receive my funds back. I was told because of security that could not tell me why or discuss anything but that I needed to reach out to the issuer of the check to see who the check was Intended for and who the actual payer was. So, on XX/XX/XXXX I called the IRS, who verified the check was sent by the the US Treasury as a federal tax return and I infact was the correct payee as the check said. Since then, I have received nothing from Chime. Chime closed my checking, savings, and my credit builder card and will not allow me access to any of these. They also will not give me any account statements for records or Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. XXXX XXXX Bank allowed fraudulent charges and owes me over XXXX for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4600.00}

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 2019-02-26
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 XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   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 2023-09-22
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive tried disputing the debts because the debts are not mines. They are coming back as verified when I also have an identity theft on all 3 of my credit bureaus. I have tried explaining that it is not mines but they always tell me to contact the other people that reported the debts.

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 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible 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 2023-09-22
Company: AA Recovery Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX did not provide adequate information about debt owed. They also sent debt to a collection agency who has been threatening and harassing me with voicemails and calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I flew out to XXXX XXXX on XX/XX/30 and returned on XXXX. My account Was debited {$330.00}, {$340.00} on XXXX from floor and decor in XXXX va. Upon receipt Of the notification on my phone I called the bank on XXXX and let The bank know that I was in XXXX XXXX and they advised I had to wait until the transaction posted. On XXXX the transaction posted and I filled a dispute. 
My dispute was denied

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 2023-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account was opened in 2014 ( XX/XX/2014 ). XXXX which means this old credit card should not show on credit report, ,article 18, false reporting, this is fraud, this credit card reporting is past the statue of limitations, they keep putting in on my credit report and it shows up potentially negative. this is hurting my credit and should be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit to my personal checking account in the amount of {$6000.00} from XXXX XXXX XXXX XXXX, Bank of America placed my funds on hold and I was told by a Bank of America representative the funds will be available on XX/XX/. The funds were not available on the XXXX, I called them on the XXXX and was then told it will be available on the XXXX of XXXX, the funds are still not available as of today XX/XX/XXXX, I called them again and wad told by another representative that the funds will be available on the XXXX, I wad not happy to hear that. I was then transferred to a manager who told me that the funds are on hold and he doesn't know when it will be available. Now that's 3 different representative with 3 different answers. I have my mortgage to pay and if I don't pay it I will incur late fees

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 2022-01-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact XXXX I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach XXXX in America. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: T.S. Holdings
State: AL
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:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account ( IQ DATA INTERNATIONAL XXXX ). Because the balances being reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately Received verification of Debt owed to IQ International, INC on behalf of XXXX XXXX ( XXXX  ) on XX/XX/2023. 
The amount this is owed that they have verified is {$1600.00}. The amount that is reporting as of XX/XX/2023 to XXXX reads {$1600.00}. 

( Proof has been included below )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On my credit report a collection item shows from National Credit Adjusters out of XXXX, KS. I never received legal notice according to FDCPA laws and they need to remove this from my bureau. Additionally, by law I can sue this company for violating my rights for same. 

This collection agency also put on my credit file that the account was just opened XX/XX/2021 which is a lie and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX 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 2020-05-27
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:
Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back

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 2023-05-25
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. 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.

Company response to consumer: Closed with explanation