BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: SLM CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I asked the XXXX XXXX  company to correct the problem but they don't do it, they have awarded me a double invoice, they have created two debts with different amounts and I have only bought a washing machine with a vacuum cleaner and on top of that they are in poor condition and they do not solve the problem yet. 

In my XXXX XXXX record there is double debt, two bills, one for {$1800.00} and another for {$1600.00}, the total being {$3400.00}, when the sum of my purchase was much lower. 

Since this purchase at XXXX XXXX, several entities have used my information without permission and have deteriorated my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$490.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/XXXX I submitted a dispute and requested a reinvestigation of " every piece of information '' listed on the accounts below. 

I spoke with an agent named XXXX from TransUnion on XXXX who stated that the information came back verified based on verification of the social and DOB, this is not the correct procedure to verify a debt according to FCRA which is a clear violation of my rights. Also my credit file is still showing inaccuracies ( File attached ) regarding addresses, phone numbers, and name variations which is a violation of my rights as TransUnion is obligated by FCRA to report accurate accounting. 

I am requesting that the accounts listed below are also verified by showing written proof that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are " in house '' collectors for the original creditors and a contract showing my " wet signature '' with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am also requesting the exact method and procedure used during the reinvestigation and the specific information obtained in the reinvestigation to include business names and addresses, person 's spoken to, furnisher 's of all information that influenced the decision not to delete the inaccurate information. 

15 USC 1681b iii a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Investigate definition ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/24 I went for a routine Dental checkup. I was told I have soft teeth and the only thing to prevent them from chipping apart would be to crown most of them. This was over XXXX total. My insurance doesnt cover anything. I told them I would call back the next day and book my procedure. As I stated looking online I noticed the rates were higher than other places. So I decided not to proceed. Then on XX/XX/XXXX I received a bill from Alphaeon credit for over {$300.00} in interest and late fees on something I never even got done! No service was rendered. They did not call to follow up or anything, I had decided to just go to XXXX for my dental work after I get my passport.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XX/XX/XXXX, there should only be hard two inquiries on my credit ( there's 6 hard inquiries showing right now ) : The following two are valid hard inquires : XXXX ) XXXX XXXX for car purchase XXXX ) XXXX for car purchase Please remove the following hard inquiries from my credit : XXXX hard inquiries on XX/XX/XXXX ( XXXX XXXX XXXX, Capital One, XXXX XXXX XXXX ) were not authorized And, another hard inquiry on XX/XX/XXXX ( XXXX XXXX XXXX ) was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license

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 2021-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have owed a debt of around {$2700.00} on what used to be a XXXX XXXX credit card for about a year now. Due to being in the XXXX XXXX, COVID has severely limited my options for paying off debts as what once would have been disposable income is now my rainy day fund. 

Despite this, Portfolio Recovery Services LLC continues to call me upwards of ten times per day always using spoofed phone numbers. The only number they've called me on that I actually get a response for is the 1-800 number. Every other number they've ever called me on was a fake line that wasn't even being recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my XXXX can not be linked to the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: ACI Worldwide, Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In the letter attached It is implied that they will deduct monies from a bank account associated with account numbers of of mine. I have never spoken or received any communication regarding this alleged debt. I have not agreed or provided any financial information to cure this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Phoenix Asset Group LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX, phone # XXXX collecting for https : XXXX called repeatedly, called my family members about me and was verbally abusive when I asked him to stop calling me and my family. He is an unprofessional, abusive bully that has no idea how to help someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Security National Automotive Acceptance
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I provided this company with a copy of court order advising them that this debt does not belong to me as the owner of the vehicle XXXX XXXX was ordered to refinance the vehicle and take my name off of it. The owner of this loan/vehicle did not comply with the order and instead of refinancing the vehicle he just failed to make the payments and then wrecked the vehicle and then the insurance company paid the vehicle off. I have made several attempts with the company to advise them on the situation and to get them to correct it. As they are reporting this account negative on my report however the information they are reporting is not an indication of my payment history or habits. The court order was made for XXXX XXXX to refinance the vehicle and I provided the company with information indicating this as well as copy of him indicating this had been done. It was not until this company reported negatively on credit report that I was made aware of this not taking place. I did not receive any notification from the company advising me that the account was delinquent prior to their reporting negatively on my report. I have made several attempts and requests to have the information removed as well as sent in proof of my not being responsible at the time of delinquency in the form of a court order and this company still is reporting incorrect/negative information on my report. I have never received a bill or any notice of this account in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: CA
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime Bank has had five separate incidents of customers not being able to use their own cards- neither their debit cards, nor their credit cards, within the past twelve months. 

Most recently, I reached out to Chime because my debit card had been declined with more than enough funds. First, they tried to deny the issue. When I continued to send evidence via screenshots, they told me there was an issue with the merchant. When I pressed and said the issue had replicated with *multiple* merchants, they told me that both of my cards, credit and debit, were defective. I asked about the credit card because Chime, as a bank, had a deal with their clients that if more than 100 purchases were made using their Credit card, a metal card would be issued. However, they made it very clear that the metal card was single issue and would not be replaced under any circumstance. I inquired about this, as it took months for me to make it to the 100 purchases, and following my inquiry, Chime has cut off all communication. 

I have sent three emails in the past three days. I have been unable to use my credit or debit cards at all, and ALL of my money is in my accounts ( my direct deposit goes here ). I was unable to purchase the money order for my rent ; I have been unable to purchase groceries ; their phone line just states they have too high a call volume to answer, try looking online for answers. Their online bot is off ( has been for at least the past two weeks, 100 % of the time ), and the multiple emails to customer service have gone unanswered. 

I need help. I have more than {$1000.00} stuck in those bank accounts frozen, and that's all I have. This has been an incredibly frustrating issue, and it is the fifth time in the past twelve months that all funds for some or all Chime members have been frozen/inaccessible with little to no accountability for the financial institution. Once I get my money, I will be closing my accounts and choosing a new financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts 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 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: NM
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:
Filed a dispute with Equifax in XX/XX/XXXX about a XXXX account on my credit file that does not belong there. Received no notification on the status of my dispute. When I checked my free annual reports I still see it listed on Equifax in XX/XX/XXXX! I open another dispute with Equifax ( which they call a re-investigation now ) on XX/XX/XXXX and according to my report number they concluded their reinvestigation on XX/XX/XXXX ( no notification again ) and the item was not removed! Equifax states : The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX This item DOES NOT belong to me as I have NEVER had any account with XXXX. I want to know what verification Equifax received to verify the account and validity to make such a hasty decision. Additionally, the comments look like this is an old zombie debt from the DISCHARGED bankruptcy filed in XX/XX/XXXX! If this is the case, adding a discharged debt is HIGHLY ILLEGAL! Equifax needs to remove this item from my credit report promptly. 

This is my SECOND time opening a complaint with the CFPB and I will continue to open complaints UNTIL Equifax REMOVES the XXXX paid collection from my report. Equifax has failed to provide PHYSICAL proof of what information it " verified '' to me and LIED that I was sent confirmation on XX/XX/XXXX- In fact, how is a reinvestigation PROPERLY conducted in 6 days!!! 
Equifax needs to REMOVE XXXX from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit 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/20 two unauthorized transactions occurred on my Bank of America EDD Debit card. The first transaction shows as {$0.00} and the next transaction, the thief stole {$220.00} from my account at a Bank of America ATM. I contacted and filed a claim with BoA and received a letter that my claim was closed and was issued a new card. However, they froze my account and the card that was issued to me does not work as well. I have called BoA consistently for over a month now and have received different answers/been transferred to different departments from each BoA representative. BoA told me that EDD froze my account and that they have done everything on their end and are waiting on a reply from EDD. However, when I contacted EDD, they said my account is fine and is open and that i need to contact BoA. I have asked the BoA representatives for a literal script of what I should say to help resolve this problem and was told to say " Can you please send confirmation to BoA that my account is in good standing? '' and the EDD representative responded, " we don't do that. You need to contact BoA. '' So I have been going back and forth with EDD and BoA because they are both saying it is the other company 's issue and tell me that they can not help me with my situation. 
All I want is someone to help refund my {$220.00} and unfreeze my BoA account so that I may receive my EDD funds again.

Due to the pandemic, I have not been able to work and am financially dependent on the money provided by EDD so this issue has really strained my resources and my mental health.

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