BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my chapter 7 bankruptcy in my consumer report.

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- 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 2023-07-26
Company: Chime Financial Inc
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX th I was charged for a purchase that I did not make. On XX/XX/XXXX I noticed the charge and filed a dispute with my banking card. They told me they would get back to me within 48 hrs. They got back to me and stated that their was an error and the retailer credited my account and the credit was received on XXXX XXXX there was no credit received on the XXXX XXXX XXXX XXXXXXXX when I didn't file a dispute until XX/XX/2023. I tried several times to resolve this with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
CAPITAL ONE is not under any LAW required to report any of my private consumer transactional information. CAPITAL ONE HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed CAPITAL ONE on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that CAPITAL ONE CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/23 CAPITAL ONE has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. CAPITAL ONE appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. CAPITAL ONE is in willful noncompliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ Data International contacted me about this debt owed to XXXX XXXX Apartments in XXXX Oklahoma. The collector advised me to get a personal loan or a title loan against my car to pay the amount owed. I stated I was not aware of any balance owed as I moved out of this apartment on XX/XX/2020. IQ Data then called and told me I had until XXXX pm that day to call back and provide a solution. I was able to research this issue and have provided documents supporting the case that went to court and the dismissal. I have made several calls to XXXX XXXX XXXX and left messages for return calls. They have a new management company and may not be aware of this case. This issue had been resolved and I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: ACIMA CREDIT, LLC
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:
On XX/XX/2021 I received an email about a new inquiry on my credit report from a company called Acima. About a month prior to that, I also had inquiries from XXXX and XXXX. I had not open new accounts with any of these companies. XXXX and XXXX were able to cancel the fraudulent accounts immediately and correct my credit. Acima has been able to cancel my account and report this as fraud to fix my credit. I have filed a police report and am now filing this in hope of getting Acima to close the account. The balance on the account appears to be {$4400.00}. When I initially found out about the account, I spoke to an Acima employee on the phone and was told it was obvious it was fraud due to i fake email address and bad address. Acima has been able to cancel the fraudulent account as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Collection Company, ( ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt from me that I DO NOT OWE. I have never entered into any business arrangements nor have I signed any contracts to conduct any kind of business with this company. This company is a 3rd party collector and has absolutely no permission to furnish any information on my credit report. The law states that before you collect any information about me you have to get my authorization to access my credit report for any purpose and unfortunately this company did not follow the proper protocols and is in violation of the Law. I have recently requested VALIDATION OF DEBT from this company which includes providing me with : PROOF OF CONTRACT, a certified copy of an authenticated original contract with my signature, specifically naming XXXX XXXX XXXX XXXX XXXX ) as an entity entitled to enforce a commercial claim against me, and verification of all data for this account, every notation, dates, and balances. This company has yet to respond to my VALIDATION REQUEST AND IT'S CONDITIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted information to this credit bureau in XX/XX/2019. I have yet to receive valid information confirming these accounts that were open fraudently. I dont know what else to do I can not afford an attorney to get this information handled any other way. The following accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the XX/XX/XXXX, and XXXX XXXX XXXX are all listed incorrectly on my credit report. Some of these accounts are 4 yrs old and are not factoring my credit as much but they shouldnt be on there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received XXXX written collection notices from XXXX within a week of each other, XXXX on XX/XX/23 and the second on XX/XX/23. Both are regarding the same account but reflect " different collection account numbers '' duplicitously, that had been canceled for an internet domain service wirh XXXX and both notices have the same amount of {$130.00}. The collection notices are requesting payment for a contract that I canceled instead of renewing. I emailed this collection company twice per their instructions, once on XX/XX/23 and the second on XX/XX/23. I requested a dispute to be filed and an investigation into the charges as they are fraudulent. In addition, I notified the collection company that I canceled this service prior to renewal and that I am actually awaiting a {$17.00} refund from the company they are supposedly collecting for. I also sent them the confirmation from the original debtor showing the cancelation and the refund amount owed to me and still have not heard anything back. In addition, I still have not even received my refund from XXXX and have been waiting for several months to no avail.

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 2022-03-26
Company: EQUIFAX, 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:
In XXXX of XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX XXXXAccount number XXXX And also the charge off account of XXXX XXXXAccount number XXXX  That is reporting a balance when this account was sold to The collection agency XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act this is considered double jeopardy. How can 2 agencies try to collect on the same account? 
In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Trident Asset Management, L.L.C.
State: IN
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: Problem with personal statement of dispute

Complaint:
I disputed Trident Asset Management Acct # XXXX on XXXX by sending them a Debt Validation letter. They never responded. On XXXX I also sent XXXX an letter to Verify the Trident Asset Management account. Trident Management Asset verified with XXXX  but not with me. XXXX did not post on my credit report that I had disputed the account. XXXX should not have been able to verify an account that I was disputing with the creditor. I sent another letter to XXXX  on XXXX asking for verification of account and said XXXX  had removed the account. I sent a letter on XXXX to XXXX  stating that the Date of Last active with XXXX  and XXXX XXXX were not the same. Keep in mind I still have not heard from Trident Asset Management yet for verification of debt. On XXXX I sent XXXX  a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what XXXX XXXX and XXXX were posting. On XXXX I filed a complaint against XXXX  with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified Trident Asset Management a Debt Validation Letter. No response so far and they have not contacted XXXX  that I am disputing them. my Credit report does not reflect it either. Also XXXX contacted Trident Asset Management once again during this Dispute and Trident Verified the debt knowing I was disputing the debt. They reported the debt as valid to XXXX and XXXX  posted on XXXX that Trident Asset Management Certified that the information was accurate. I still have not heard from Trident Asset management about my dispute letters at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: IL
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:
Ive just recieved my credit reporting and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX, XXXX, XXXX, XXXX, XXXX, as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX, IL XXXX has violated my rights 15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at 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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
1. Got a email-only offer to apply BOA Alaska credit card, which is very fraudulent like a pre-approval offer 2. Applied this credit but got declined, which had a negative impact on my credit file.

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 2021-09-20
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:
I have repeated requested to have Experian update the payment history information for XXXX which is a closed account. I can no longer dispute this on their website. During XXXX through XX/XX/XXXX. Experian reported inaccurate payment history status ; the account history status showed inaccurate information I submitted a copy of the comparison between experian and neither were consistent during this time period plainly showing inaccurate reporting of account history and payment status. As a credit consumer if there are inaccuracies in the way information is reported the credit bureau must remove that information. I have repeatedly asked this to be removed. It is still showing up in my payment and account history status during the time period of XXXX to XX/XX/XXXX. This has not been addressed this has not been removed and is violating my rights as a consumer!

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 2023-09-03
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX I was just looking over my credit report and founf some adress in accounts that appear to be incorrect and not associated with me. I ENCLOSED DOCUMENTATION PROVIDING PROOF OF MY CURRENT ADDRESS, AS INSTRUCTED TO DO ON YOUR WEBSITE. TO MAKE YOUR PROCESS OF DELETION EASIER HERE IS A LIST OF OF INCORRECT ADDRESSES XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX I WOULD LIKE REMOVED ALL XXXX XXXX XXXX  ACCT NUMBER XXXX IS NOT ASSOCIATED WITH ME XXXX UNDER 15 U.S. CODE 1681E ( B ) (, B ) ACCURACY XXXX REPORT IT SHALL FOLLOW REASONABLE PROCCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUSL ABOUT WHOM THE REPORT RELATES. 
I KNOW THAT UNDER 15 US CODE 1681 I ( 5 ) TREAMENT OF INACCURATE OR UNVERIFIABLE INFIRMATION ( A ) IN GENERAL

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 2021-07-04
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on or about XX/XX/2021, {$280.00} was deducted from my checking account without authorization. I immediately contacted my bank at Direct Express Services with Comerica Bank where I receive my federal benefits. Since the initial contact with the provider they have not corrected this issue and refunded my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Bread Financial 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: Personal information incorrect

Complaint:
Several addresses are on my file that I NEVER Lived at. I have disputed all of them but this address : XXXX XXXX XXXX XXXX XXXX, GA XXXX is linked to fraudulent accounts that I never opened including Comenity Bank XXXX I need this removed immediately. I have only lived at 2 addresses in the last 25 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXX and my most recent address is XXXX XXXX XXXX XXXX ga XXXX since XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019 I disputed an account on my report with all three bureaus regarding. I was given notice that it would take 30 days for the investigation to be completed from each bureau. On XX/XX/2019 XXXX  responded to my investigation stating that the item was deleted from my XXXX Credit Report. I received results from TransUnion stating that the investigation was complete and that information was verified. The report did not include how the items were verified. On XX/XX/2019. Again, I disputed the same items with both TransUnion and XXXX. This time I sent a follow suite letter attaching the deleted account from the XXXX  record to both TransUnion and XXXX.I received a response on XX/XX/2019 from both TransUnion and XXXX  that the account was updated and verified. Again, no documentation on how this account was verified. XXXX  sent along a stall tactic during this dispute stating that I had not sent all required documents which I keep logs of what I sent to each bureau.

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 2018-02-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I explicitly declined a hard inquiry to my credit report when setting up XXXX satellite service ( via recorded line telephone on XX/XX/2017 ). XXXX stated they could pull a soft inquiry, and I agreed. Upon checking my report, I see they did in fact pull a hard inquiry, which is negatively affecting my Equifax credit score. Since I explicitly declined a hard inquiry because I knew it would impact my credit, I am asking the CFPB to be my advocate with the XXXX multimedia conglomerate,  who is not responsive, or set-up to handle these types of corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested for the following : Claims # XXXX Claims # XXXX Claims # XXXX I have not yet to receive any updates or provided any redress within regards to Consent Order XXXX. If this complaint will end up with every other complaints filed that Bank Of America NA ignores and repeatedly violates the law gets to walk away with it. What other means are there for consumer if CFPB fails. Bank Of America NA did not resolve anything. BOA responds with the same auto response refuse to give provisionary credit and mishandles claims and not compliant with the Law.

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 2023-07-13
Company: SYNCHRONY FINANCIAL
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/ Inquiry Hard Pull not authorized. 
Hard pull on credit report for credit by : SYNCB/SYNCHRONY XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX ) XXXX Location XXXX XXXX XXXX XXXX, FL 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