BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Foris DAX, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I transferred about $ XXXX in crypto and I invested.

A female helped me learned about Crypto and investing in it. 
I met this person on the online dating app XXXX. 
All my profits along with my original investment disappeared from my account. 
All of it is just pure SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Empower Finance, Inc.
State: NJ
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/2023 I requested to have my Empower.Me account closed and was told that I will have to wait for the XXXX until the funds would settle. It's been over a month now. When will my funds be returned to me? 
Every time I call or send an email, I am constantly given the same lame response, " We promise that we've received your message and we'll get back to you as soon as we can. '' or " I will escalate your case. '' I haven't received any response in regards to my funds. This company is trying to rob me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Velocity Portfolio Group
State: PA
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:
To whom it may concern, Re : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CKS Prime Investments. 

They have failed to VALIDATE ANY 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 explanation
Consumer complaint received 2023-01-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged late fees on a Land 's End credit card account managed by Comenity Capital Bank because they had not received payment for a previous bill. So I called the company and told them my bank 's ( XXXX XXXX ) bill pay had sent the payment XXXX days before the bill was due ( XXXX XXXX ) and that I could send them a copy of the transaction. They agreed to waive the late fees and I paid the bill over the phone by giving them my checking account numbers ( XXXX XXXX ). I then cancelled the initial check which we all assumed had been somehow lost. I then got another bill with a returned check fee ( {$30.00} with interest ). When I called the company and talked to a supervisor he told be they had received the check XXXX XXXX, a full month after it had been sent by XXXX and that due to certain banking regulations the returned check fee couldn't be waived. 

From my perspective there seems to be XXXX dubious practices here by the company : ( 1 ) they said they didn't receive my check in the mail for over a MONTH after it was sent by my bank ( and then they tried to deposit it AFTER I had paid my account in full ) and ( 2 ) they couldn't waive the returned check fee due to certain banking regulations that apparently apply only to Comenity. The latter was their response when I told them XXXX was willing to credit my checking account for the returned check fee. 

I did file a complaint with the XXXX in XXXX, OH, which is where Comenity 's headquarters are located. That site indicates some XXXX complaints have been filed against the bank in the past XXXX years, resulting in the bank receiving the lowest possible accreditation rating ( F ) from the XXXX So I don't really think Comenity cares anymore and that someone, somewhere needs to protect consumers by either getting them out of the credit business or fining them, or both.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2022-11-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than XXXX days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for XXXX but nothing for the other XXXX bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( experian )

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 2023-12-18
Company: HYUNDAI CAPITAL AMERICA
State: IN
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:
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay- ment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-09-02
Company: MARINER FINANCE, LLC
State: PA
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 had home remodel. The Salesman visited me on XX/XX/23 and later that evening called to ask for income info. He applied for 2 loans in my name. I was denied and the other a finance company approved it. I never had any contact with either company. 
I did not ask or was told all he was doing. The finance company paid him {$25000.00} and I still do not know what he agreed to. I have a monthly bill of {$470.00} a month at 13.50 % interest. I see Realestate loan, I see Auto loan, I see secured loan. I don't know if it's fixed, variable or balloon. I have paid it twice and don't know what was on the application. I never saw and don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: Their investigation did not fix an error on your report

Complaint:
Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than XXXX days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for Equifax but nothing for the other XXXX bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( Equifax ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
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: Account information incorrect

Complaint:
NOTE : This is NOT a duplicate complaint. Previous complaint returned with " unauthorized third party '' which does not exist in this complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. On the credit report from EXPERIAN, there is a " collection '' record from XXXX XXXX XXXX. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XXXX, XXXX. 
2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3.  On XX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX with proof of check image attached. 
4. The credit report is incorrectly showing " Failed to Pay '' on XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX XXXX in XXXX 5. A complaint was already submitted to XXXX XXXX XXXX and the company responded that it has requested EXPERIAN to remove this collection record 6. An online dispute was submitted to EXPERIAN to correct this. However, EXPERIAN did not make the proper correction and still shows this incorrect collection record and " FAILED TO PAY '' in current 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 2022-04-02
Company: Experian Information Solutions Inc.
State: OH
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2023-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank put a fraud hold on my account and closed it out without ever explaining the reason why. I called in to the bank to find out and they were really not helpful. Two checks were trying to clear my account that I had the cash to deposit to cover them, but because of the hold I couldnt deposit in ATM over the weekend. I followed up on Monday in branch and hold was never removed so I opted not to make the cash deposit and pay the person in cash instead. The bank never followed up until two weeks later ( never removing the hold ) and cut a check and mailed it to me. They also reported this to XXXX XXXX  Unfortunately this is now inhibiting my ability to open an account elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX  Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely on 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 explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Im gettin really frustrated disputing with these credit bureaus, I send dispute letters off over a month ago on XX/XX/21 and still no response. Im very aware of the law and know according to the FCRA these disputes should be validated within 30 days and failure to do so gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I need this problem fixed ASAP I will not wait another 40 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. In Section 611 ( a ), of the FCRA it states that a failure to investigate these items within 30 days demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: NJ
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:
A wrong name is listed on my credit report which is XXXX XXXX. 
A wrong address is listed as XXXX XXXX XXXX XXXX XXXX, FL XXXX A wrong closed account is listed : XXXX XXXX - never have a XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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 requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Perminible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-02
Company: Andreu, Palma & Andreu, PL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received noticed for court as well as non negotiable totals when there was a settlement previously made for way less. During Covid I could not afford it but once I was then able to and willing to start making payments they decided to sell it off to someone else who now refuses to take anything less when the previous amount was about {$1500.00} less than what they are willing to take. I have requested numerous times to negotiate they refuse to, I have also sent a 609 letter because the original debt is not only from a different creditor but also very old. It was not proven it was owed to this new creditor which is why it was then removed from my report but now it shows up again and shows the original creditor and their collection agency but does not show the new attorney agency on their or their refusal to work with me. Again this is ridiculous and a rip off as I tried and tried during Covid but refused to work with me at all and now have made it worse. Started as XXXX XXXX, then XXXX XXXX, now Andreu Palma Lavin & Solis PLLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified XXXX that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : 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