BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: IL
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 A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX # XXXXXXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe 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 2023-09-14
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:
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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A stranger made fraudulent purchases of approximately {$2500.00} on one of my XXXX XXXX credit cards issued by Citibank. 

The perpetrator has been found, and charged with felony credit card fraud : However, Citibank has refused to reimburse the card. This has been extremely stressful over the past couple of months. 

The credit card issuer credited my account after filing the dispute : However, the {$2500.00} in charges just appeared again on my credit card statement, and I subsequently received an e-letter stating that the investigation is complete, and I am now responsible for all of the charges -- No explanation. 

Moreover, they further stated in the letter that if I failed to make payments on the fraudulent chargers, they would report it to the credit bureaus. This is particularly disturbing as I currently have a credit score of XXXX ( Exceptional ) -- Based on a perfect payment history. Consequently, I have no choice but to continue to pay on the fraudulent charges. 

The investigative department of the credit card issuer has been very deceitful. Currently, I am weighing my legal options.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: MO
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:
I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with two accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information. 

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of Federal Student Loans as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.

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 2023-10-18
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An new account tagged student loan from an entity address XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX was added to my XXXX XX/XX/2023. Three letters, sent to my address from this company were returned, with barcode crossed out, and phrasewrong person, which it took a picture and have record of. I had record of this account on my XXXX, XXXX, and XXXX prior to XX/XX/2023 and received no notification of this account being added until it randomly showed up on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made two payments and my available balance is on hold. They took the money from my bank account but the balance wont be available until XX/XX/24 so Im left without money for an entire week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I HAVE BEEN COMPLAING ABOUT COMPANY SINCE 2021. THEY HAVE STOLEN MY INDENTITY, USED ABUSIVE LANGUAGE TOWARDS ME AND HAVE DEFAMED MY CHARACTER BY REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS. PORTFOLIO RECOVERY COMPANY HAS CAUSE ME TO HAVE XXXX XXXX XXXX  XXXX  DUE TO THEIR ATTEMPT TO COLLECT A DEBT THEY CLAIM I OWE. I HAVE BEEN BACK AND FORTH WITH THIS DEBT COLLECTOR AND HAVE YET TO GET ARE RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been attempting to use my Express store credit card issued by Comenity Bank for several months now, both in-store and online. Each time the card is declined. I have called Comenity Bank many times. The first time, I was told that the card needed to be replaced because it used 9 digits as the card number and they were replacing the card and account with a 12 digit number and a new card would be sent to me. After several weeks and not receiving a card, a called again and was told that there was a glitch in the system and the card was not sent but they would be sending it out that day. After several more weeks without receiving a new card, I called again. This time I was told that the account was restricted. I was transferred several times. Finally, I was told that the only note on my account was to contact the credit bureaus with no other details. I contacted all three major bureaus via phone. Two of them had no idea what I was talking about. The third one said it looked like a different Comenity Bank card had an error as it said my balance was {$10000.00} more than the limit which shouldn't be possible. I filed a dispute. Several weeks later the company verified that it was an error ( there was no balance ). Again, this was a completely different account. Once I verified that it was corrected on the credit report, I called Comenity Bank again, again having to re-explain everything. I was told that no manger was available but that the account was still restricted with no notes as to why in their system. I have called 2 more time since then and each time I am told that there is no manager available or that the correct department is at lunch, and to call back after another 3 business days. I have now called more than a dozen times and am still no closer to getting a working card or account, or getting an explanation as to why my card/account number will not work. I have verified that the account is in good standing and that there is no balance both on the Express Comenity Bank website and on my credit reports. I have been told that I can not close the account because it is frozen due to the restriction and that I can not open a new account because I already have one open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is a follow-up to Complaint Number XXXX, which I submitted on XX/XX/XXXX with XXXX XXXX as the company against which I was filing a complaint. 

I am submitted a new complaint today because it has become evident that Bank of America is the institution at fault. 

On XX/XX/XXXX I initiated an international wire transfer to a friend in the amount of {$5000.00} through my bank, XXXX. XXXX did not send the money to the recipient directly, but instead sent it to Bank of America as an intermediary. One month after the initiated transfer, on XX/XX/XXXX, the recipient still had not received the money. Apparently Bank of America was waiting on XXXX to provide additional information, which XXXX had not provided. Due to the extensive delay, I instructed XXXX to recall the transfer ( on XX/XX/XXXX ) so that I may have the money returned to my account and figure out another way to send it to my friend that did not involve an intermediary. 

The recall was sent 44 days ago, but I still have not received the money back in my account. As of XX/XX/XXXX, my client relations manager at XXXX XXXX ( XXXX XXXX ) reports that XXXX has attempted to reach Bank of America 3 times. The latest attempt to reach Bank of America was on XX/XX/XXXX, to which they still have not responded. 

Interestingly, my contact at Bank of America claims that Bank of America reached out to XXXX on XX/XX/XXXX and has not yet received a response. In summary, both banks report that they are reaching out to the other and have not heard from the other. XXXX has made 3 attempts, and Bank of America has made 1 attempt. 

It is unacceptable that Bank of America has been holding onto my {$5000.00} for over two months. A recall should not take this long and I have reason to believe they are not prioritizing this case to the extent that they should, given the magnitude of the transfer amount and the delay. 

I am requesting that CFPB intervene and urge Bank of America to respond to XXXX 's requests to communicate, so that they can finally return the money to my account.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2021-05-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is trying to collect a debt that is over 7 years old. This account just popped up on my credit report and should be removed. The account was from XXXX  in the amount of {$490.00}. It should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, 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 2024-01-11
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Requested break down of charges and was not provided with them - also reporting agency had inaccurate information

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: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been an excellent customer with a Capital One Venture Card for many years. 
After my card apparently was compromised ( probably during a trip a couple of weeks ago ), Capital One has insisted repeatedly that they need my mobile phone number for security purposes before sending me a new card. They never mentioned anything about using email as an alternative. 
This makes absolutely no sense. I have been living at my current address for over 8 years, and they would have been sending my new card here to this address. Also, I was telephoning them from my home phone number, and their recording even stated that I was calling from the number that they had on file. 
In my opinion, this was an attempt to obtain my mobile phone number ( which I try to protect -- and yes, I do realize that it is a losing battle ). This had absolutely nothing to do with security. 
So, I literally ended up closing my Capital One credit card account over this. 
I would also like to add that I received an email stating that Capital One was going to send me a new card ( even though they did not ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: MoneyLion Inc.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I was diagnosed with a XXXX XXXX and out of work for 3 months. I ran out of XXXX XXXX and did not have XXXX XXXX XXXX. I did not get a check for 3 months. I could not make any payments at all on anything. When I startted back working, I contacted them to see if they would allow me to make payments. I made two payments in XXXX. In XXXX I forgot to call them to report that my checking account information changed. My payments did not go through. I called today, XX/XX/XXXX and ask if I could make a payment on the balance of {$180.00} and they said No, and that they have given me a chance. I explained that because of my XXXX XXXX I have XXXX XXXX  and forgot to call them to make the changes. They also have two accounts for different amounts charged on on my credit report. I only have one account with them. They are reporting incorrect information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been victim of a scam. I had a item on XXXX XXXX place for {$700.00}, the scammer pretending to be a buyer send a offer to buy and used said to use a XXXX The scam was he said had to pay {$1100.00} and I had to return {$400.00} back. He used fake email XXXX account, I sent him XXXX on through my zelle and had a problem than I ask to send it through PayPal Friends and family. I sent him {$400.00} through PayPal. I have reported to PayPal that I have been scammed. PayPal is siding with the scammer/buyer that there is nothing wrong with this transaction. Date incident occurred XX/XX/2023. Lost {$400.00} on my credit card through PayPal friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed 5 complaints before XXXX and the problem is there all the same issue but to show you this fraudulent company has no idea what there doing they give different absurd explanations for 5 different complaints

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