BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an email stating " congratulations on your new card, we will be sending it to you shortly ''. I researched the company and saw that Comenity had a lot of complaints and that the card that they were trying to send me was for XXXX XXXX ( which turns out to be a camping/outdoors store ). I would never need this type of card and did not request an account. I then received the email stating that they were mailing it to me and reached out to The XXXX XXXX XXXX XXXX XXXX issued by Comenity Capital Bank. I refused to give my social security number or verify my mailing address and the representative stated they could not help me. The representative stated he could tell me that yes I did have a new account and a card being sent but that was all he could share. About a week later I received the card in the mail. As of today ( XX/XX/23 ) it has been reported as a new account with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: FISERV INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/22 XXXX XXXX ( XXXX XXXX XXXX ) took {$250.00} from my checking account. No idea how they got my routing number. I contacted my bank on XX/XX/22 and account was closed immediately. Now XXXX has reported the charge to a collection agency. They have since sent letters, made phone calls etc. I told the credit agency, TRS XXXX XXXX XXXX XXXX, that the debt was not mine. They insisted it was and would not give me or send to me documentation to support their allegations. I refused to provide any further information but these people have my name, address, phone number and I feel threatened by their actions. I XXXX years old live on a limited income and really don't know how to deal with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Revco Management, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I received XXXX XXXX from XXXX XXXX. It was sent to a collection agency XXXX XXXX XXXX. 

On XX/XX/XXXX I paid in full the amount I owed XXXX. There was a reduction in the debit if I paid in full and I did. 

On XX/XX/XXXX I received a letter from Revco Solutions Inc saying I owe XXXX for services from XXXX XXXX on XXXX. I told them it was paid in full on XXXX. 

On XX/XX/XXXX I called to inform Revco Solutions Inc. I want this collection to end

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: EQUIFAX, 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:
" " '' I have disputed this Charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Santander Consumer USA Holdings Inc.
State: MD
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:
From XXXX XXXX : I have dispute with Santandar Consumer USA. I bought a vehicle and the loan was from Santandar. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. 

They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. 

I concur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Army and Air Force Exchange Service
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2023-02-25
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: 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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent XXXX an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from XXXX  regarding the bankruptcies listed on my report. 

XXXX response : Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. Public record items from courts that XXXX may have obtained through a third party vendor, 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 2023-03-31
Company: JPMORGAN CHASE & CO.
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:
I HAVE BEEN TRYING TO REMOVE XXXX FRAUD ACCOUNTS : JP MORGAN CARD SERVICE AND XXXX XXXX XXXXXXXX WAS ABLE TO PROPERLY INVESTIGATE AND VERIFY THAT THE ACCOUNTS INDEED NEVER BELONGED TO ME SO XXXX HAS TO DO THE SAME BECAUSE THE ACCOUNTS ARE NOT MINE. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I have several accounts at Chase Bank. Chase has recently included Chase XXXX XXXX, as a Chase product. I contacted Chase to pay a vendor through Chase XXXX pay, Chase then deducted the amount from my Chase checking account, and made the payment. I quickly realized this was a fraudulent vendor, contacted Chase Bank to investigate, and refund my money. I was told, in bank double-speak, that Chase XXXX pay is considered a cash transaction, and therefore has zero protectins from Chase Bank. I quickly pointed out that I DID NOT withdraw cash and make a payment, I used Chase products and Chase Bank made the withdrawal and payment. I questioned how this payment is different from an online payment from my checking account, there were no answers. 
I feel deceived and victimized by the illusion that Chase Bank Product XXXX XXXX, " is not really a Chase product ''.

I chose Chase XXXX pay, under the deceptive assumption it was a protected transaction, especially since the entire transaction is done by Chase Bank. 
I have made several calls, emails and inquiries, without any reparation. This is a misleading representation by Chase Bank, and I am a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of 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 2021-09-27
Company: EQUIFAX, INC.
State: IL
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've been a victim of identity theft ... this has been a rough time during the covid attack. Someone broke into my car and stole all my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: SYNCHRONY FINANCIAL
State: AR
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:
I submitted complaint number XXXX. 
My complaint has been closed without providing a proper resolution. 

I have been following up with company for last 4 months to get the wrong reporting done on my account corrected. I am not getting a proper reply. Every time I am being told it will take 20 or 30 days. Same thing they did with complaint I submitted with CFPB. 

Also, they didn't provide any update on my demand to compensate me for all the troubles I am going thru since last 4 months due to this issue. 

I demand a compensation of XXXX USD.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: VA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-15
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:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 


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 2023-10-05
Company: EQUIFAX, INC.
State: AZ
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 the company to provide me with an original sign contract which stated I had a contract with them. The could not provide a contract stating that I had a contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: CITIBANK, N.A.
State: PR
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 have NEVER had XXXX XXXX card  nor home depot card. I have never used any name ending in XXXX. I have never lived in XXXX nor XXXX XXXX Florida. My only last social security 4 digits are and only XXXX. 
XXXX XXXX XXXX has been harrasing mr for over 20 years and I have never done sny business with XXXX XXXX XXXX. 
lastly. I have never defaulted a student loan. I was active student. later had forbance. due to hurricanes in Puerto Rico.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$9800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00}

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 2021-10-15
Company: Receivables Performance Management, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with company to pay off this collection. They agreed to delete the paid collection once I paid it off. I have paid them but the collection is not deleted.

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 2019-08-15
Company: JPMORGAN CHASE & CO.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
This account was originally opened by me. However, I lost my wallet right after opening the card. The person who found my wallet mailed it back to me because my drivers license was in there however when my wallet was returned to me 2 gift cards, cash, and my chase card were gone. By the time I noticed some person in New York had ran up a balance of almost {$3000.00}. I called Chase as soon as I found out and they said they would investigate my claim. they later said that they denied my claim. I spoke to them a few times after that but was unsuccessful. I do not have any debt in my name other that this card. The thief took more than my chase card but there is no way to track gift cards and of course the cash is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: AFNI INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX I discovered Afni Inc had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract with this company nor can they provide me with a contract. They are not allowed under the consumer laws to collect a debt from me. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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:
I have been trying to get the following accounts removed from my credit report. I sent a certified letter requesting specific information on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 XXXX XXXX company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified Bank of America about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.

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