BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I spoke with a manager who released the block and a customer service representative said I need to make the minimum payment I explained that not only was my account used Fraud previous but two payments were returned because my banker gave me the account number with one digit off and that is why the checks returned and I explained it to a manager who removed the block as a one time courtesy I what the fraud resolved and the account unblocked since a new card has been sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
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 I was never late on the closed account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not show proof please delete the late payments off of my credit report. The late payments are invalid reporting. 

The FCRA allows for 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Gemini currency exchange found at www.gemini.com is a scam. I have XXXX of assets in USD held in that exchange since XX/XX/2021 and neither support nor security team has contacted me with a resolution on how to reactivate my account or withdraw my funds to move to another platform. This kind of service for a financial platform is COMPLETELY unacceptable. I want a response NOW and to be given the option to withdraw my funds to my bank. I no longer trust this shady platform. Fair warning to anyone considering moving to this platform, STAY AWAY FROM GEMINI! They will allow you to deposit money with ease and freeze your account without warning, holding your money hostage!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX XXXX that should be counted once, Therefore one of the two of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. 

_ Experian DENIED me the right to dispute a Hard inquiry by XXXX XXXX from Online services ( Please see above )

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 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
i was completely shocked when i looked at my credit report and found the late payments on the dates below XX/XX/2019 XX/XX/2019 XX/XX/2019 I AM NOT SURE HOW THIS HAPPENED. I BELIEVE I MADE MY PAYMENTS TO YOU WHEN I RECEIVED MY STATEMENTS. MY ONLY THOUGHT TO THIS IS MAYBE MY MONTHLY STATEMENT HAD NOT GOTTEN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: MI
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
EXPERIAN is reporting accounts on my consumer report with incomplete account information : XXXX XXXX This account type reads auto loan I never received a cash loan or any cash for this account. Delete this account due to inaccurate account type XXXX XXXX XXXX XXXX XXXXXXXX This account type reads auto loan I never received a cash loan or any cash for this account. Delete this account due to inaccurate account type. Please be aware that reporting information you have reason to believe is false is a direct violation of the FCRA and punishable by fine.

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 2020-06-11
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I had got a title loan from title bucks. Because if the COVID 19 pandemic I was late on payments but I since have paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020. Which was what was agreed on by corporate and myself to get my where Im caught up. Now after I pay they said because I payed it on the app it didnt credit me for paying it the right way so they will set me up to call them next week and I dont think its fair that because there system didnt process my payment correctly that I should be subject to pay more when I cant afford it until 30 days. And they are telling me that I will need to sign a new contract and that way I will never get it paid off cause all I paid was XXXX towards interest which I didnt know that. I dont know what to do but I cant afford to pay on my car like this. Also they sent out a repo service and the man went in my vehicle and XXXX it and when I called the next morning to the title company and asked them who authorized someone to come repo my car and disable it. The manager is who I spoke to and she insisted for me to call the police because she didnt authorize any repo and I asked her did anyone in the office put my car out for repo and she said no that no one did and all of a sudden about 20 minutes later the repo guy shows up and tells me that title bucks did put a repo order out for my car but he was coming to fix my car cause I was unable to drive it and he tells me to pay my car note. So the manager lied to me and now I dont trust anything they tell me and Im worried Ill end up losing my car. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I withdrew XXXX & I only receive XXXX I called cash app several time they decline claim I called the police because I felt like I was being rob I already been rob before when my brother was killed in front of me so it brings me memories because somebody always taking from me Bank of America stole form and they didnt do anything to help me I didnt receive a receipt I will appreciate if cameras were check.

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 2018-10-29
Company: EQUIFAX, INC.
State: TN
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:
CHAPTER XXXX BANKRUPTCY : DISCHARGED I requested for an investigation because CHAPTER XXXX BANKRUPTCY : DISCHARGED have nothing to do with me. I am a victim of identity theft and its not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: AMERICAN EXPRESS COMPANY
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: Reporting company used your report improperly

Complaint:
I am showing that my credit score dropped by 72 points. 
I have no late payments and continue to pay the account payments due. 
I would like my score to be restored as I am in the middle of seeking better employment opportunities and also qualification of a new home. This came out of nowhere please provide assistance. 

Also American Express closed my account without any reason while I was on credit protection I am trying to have that account reinstated, and they forced me to run my credit to apply for a new account when the original account from XXXX should have never been closed as I made all payments on time and elected to use the American Express Credit Protection Benefit while I was XXXX. 

Why was my account closed. I need to have that account reinstated as that is one of the oldest accounts and would also help my credit report show my credit history. 

XXXX account was also closed and I did not not close that account that account was opened in XXXX and like the American Express account had a XXXX balance with no late payments. Can you please assist me with resolving these issues. 

Kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXT XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-05-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I visited ULTA XXXX XXXX in XXXX XXXX, XXXX 
My purchase was paid for with a credit card. 
On XX/XX/XXXX, I received information from XXXX and XXXX that there was a hard inquiry from ULTA on my credit report. 
The inquiry details show : COMENITYCAPITAL/ULTA At no point, I asked or was offered to apply for a credit card. 
I contacted the store and they know nothing and sent me to the guest services XXXX number. I called and they were reluctant to even listen to my complaint. They refused to allow me to talk to a supervisor. 
I was told someone would contact me in 48 hours and that was all the help I received. I explained to the agent that pulling my credit without permission was illegal, and he could not care less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2023-09-08
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-08-04
Company: JPMORGAN CHASE & CO.
State: VA
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:
In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency.

I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding.

Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous phone calls a day from them, all from different phone numbers. Sometimes upwards of 5-10 calls a day. Sometimes more. I have started blocking these numbers, but the calls have gotten so out of hand I can't keep up with them anymore. I have checked my credit reports and I don't see one collection acct on there from Portfolio Recovery. I then sent them a cease and desist letter requesting them to not contact me by phone, mail, email, etc. I am still getting numerous calls a day even after the letter was sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Good Morning, In late XX/XX/XXXX, I requested a XXXX forbearance/deferment from Nelnet. I have XXXX XXXX and need to defer the funds from paying for my FFEL student loans to pay for XXXX, appointments, transportation, hotels, recovery, and supplies etc. The catch : I hold a XXXX XXXX XXXX loan with my wife. We were initially told yes! Nelnet can complete a XXXX Deferment for us and sent us the paperwork. A supervisor called us back an hour later and stated No, that we can not qualify for a XXXX Deferment UNLESS YOU BOTH HAVE XXXX!!!! Seriously, I couldnt make this up. She was very nice and understanding, gave us a deferment until XXXX XXXXBUT all the while the interest is accruing exponentially. 

The PL117-200 law signed by the President as of XX/XX/XXXX allowing us to separate these loans, but have not been given a mechanism to do so via the Department of Education XXXX In the meantime, I was diagnosed with an aggressive XXXX. I am very aware of the Department of Education Appropriations Act, XXXX, Title III of Pub.L. 115-245 I feel that I should be afforded the benefit of my loans NOT accruing interest as outlined in the law. We should NOT BE PENALIZED yet AGAIN for having a Joint Spousal Consolidated loan!!!

On top of this, I have a Parent Plus Loan that I will have to resume payment on in XXXX. I imagine I will have to navigate this process yet again.

Company response to consumer: Closed with explanation