BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have SELF LLC. Secure credit card which is reported negativity on my credit report as past due. I only am able to assess funds that I deposit a making it a secured credit card .no Credit was giving to me this is a credit builder account which states one can canceal at anytime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company closed my account because they saw fraudulent activity in my account. They said a check was deposited in my account with fraudulent funds. I explained this wasnt me and to do an investigation but they just closed my account and said I owe them money. This is fraudulent because this was not me and this is defamation of character because this is negatively affecting my credit report as Im trying to get a house.

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 2023-07-24
Company: EQUIFAX, INC.
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 


6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for an auto loan, Td Auto Fina -- Inquiry from XX/XX/XXXX and the dealership shopped it to various lenders. I was told it would be only two different ones. I would like the rest of these removed XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX I Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX I applied for the The XXXX card I never heard from them in any way, shape, or form. It appeared on my credit report. XXXX Inquiry from XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Overton, Russell, Doerr and Donovan, LLP
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency held an unpaid account in my name from a medical bill in NY that did not belong to me, in the amount of {$740.00}. After multiple unsuccessful attempts to remove the listing from my report I made arrangements with this agency to pay the entire amount of the collection account in return for removal. They told me that it might take up to 90 days for removal, which I agreed to. After 90 days the listing remained on my XXXX report so I called XXXX  and asked them to submit a dispute to Overton Russell Doerr and Donovan in regard to the agreement to remove. Within a week I was notified by XXXX that Overton Russell Doerr and Donovan is  refusing to remove the listing. I would not have paid the account if not for the guarantee of removal. This listing is causing undue harm to my consumer credit report. Further, the original debt dates back to XX/XX/XXXX and is outside of the time staute of reporting. I need for this collection agency to remove the listing as agreed to over the phone in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I'm a victim of identity theft, pursuant to section 605b. I have been suffering from punintive damages. Please remove the fraudulent inquiries from reporting to 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 2023-03-27
Company: Affirm Holdings, Inc
State: NC
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 had a " loan '' with Affirm processed on XX/XX/XXXX. 

I paid my first payment XX/XX/XXXX I paid late on my 2nd payment XX/XX/XXXX I paid my last payment on time XX/XX/XXXX. 

My credit report shows I never made a payment and still owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear CFPB Representative,I would like to submit a complaint about the very bad experience I had setting up a business checking account with US Bank.  I was sent a promotion flyer that stated that if I deposited XXXX into a new checking account, I would be credited a XXXX signup bonus within 45 days.  I opened this account on XXXX/19 with the full amount required and was not credited within the 45 day time period which was to end on XXXX/19.From XXXX/19, I spent many hours on the phone and in person with bank representatives trying to receive the XXXX signup bonus from this promotion.  On every occasion, the standard response from the staff was to ask me to wait a few more days to see if the bonus posted.  This went on repeatedly and after a full two months of these correspondences, I informed a customer service representative that my patience was exhausted and that I was going to be filing a CFPB complaint regarding their deceptive business practices.It was only after this threat that they finally credited my account the XXXX bonus.  This was 115 days after the account was opened.  To add insult to injury, I was also charged XXXX worth of account maintenance charges while waiting for the bonus which I have successfully had waived.  I believe that US Bank deliberately withheld the signup bonus to which I was rightfully entitled and also purposely strung me along to charge successive account maintenance fees.  I feel that the only reason they finally credited the XXXX bonus to my account - a full 70 days after the deadline - is due to the threat of a CFPB complaint.  If I was not aware of the CFPB and/or less inclined to pursue this matter, I strongly believe that US Bank would've been happy to have reneged on their responsibilities.  Therefore, I feel compelled to submit this complaint to bring to light the deceptive treatment that US Bank accorded to me and potentially many other new business banking clients.

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 2023-07-24
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX, Equifax, and 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2019-12-05
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:
The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.

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 2019-12-05
Company: Experian Information Solutions 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:
It's not my accounts, i never applied for it, i didn't sing any documents, i think, that somebody used my personal information and applied for this accounts.

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 2021-09-13
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ABSOLUTE RESOLUTIONS would verify the debt. So I took it upon myself to ask ABSOLUTE RESOLUTIONS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a notice to my Aidvantage account stating that my interest rate reduction for using AutoPay will be suspended during forbearance or deferment and the next line states my loans were approved for deferment. I never made a request to have my loans deferred so I'm not sure why they were. I tried to call their Customer Service line and each of the 12 times that I called, I kept being told to wait on the line then after about 10 minutes I would get a prompt to leave a message for a mailbox ( # XXXX ) however that mailbox was full. I tried to send an email via the Help Center while logged into my account and received a follow up email to my personal email stating that they were unable to respond to my request via the Help Center because it wasn't secure, even though it was sent through my logged in account. So now I'm accruing more interest than normal because my AutoPay enrollment has been removed because they placed my loans in deferment without me requesting this and I'm unable to get a hold of anyone to resolve the issue. How can a company responsible for millions of federal student loans be so difficult to get in contact with. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Recently I had requested and received a refund for payments made during the payment pause. I also had an income driven repayment plan on the remaining loan and my account was in forbearance pending my borrowers defense application. The refunded loans were cast back into repayment mode and show a past due balance. Confirmed by Federal Student Aid customer service they should have been put into forbearance pending me borrowers defense application. I tried working it out with AidVantage. Instead they put it in Covid forbearance and because of the second representative doing so the third one said she was unable to correct the mistake and I still have a past due balance. Meanwhile the Federal Student Aid office said all of my loans through XXXX  were covered by the Borrowers Defense application not just the remaining loan my Borrowers Defense application was approved and all payments made will be returned to me. Im concerned with negative credit reporting which AidVantage said would happen bc they failed to put my account in Forbearance as they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a checking account at hsbc bank in XXXX on XXXX XXXX in XXXX XXXX and they would not open a account for me I do not no why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: GOLDMAN SACHS BANK USA
State: MA
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 called Goldman Sachs apple card customer service a day before i made a payment via check to ask which address i could send an overnight XXXX payment and they assured me that it was the one they have on their website. At no point they said that they would not accept a XXXX delivery. They payment went out and sent back by XXXX because they could not deliver it to a po box . I called them and said that they were sorry that i was misinformed and taht i should send it via XXXX. I asked for them to refund me the charge and they said that they could not. I sent the payment via usps and they received it on XX/XX/23 at XXXX and the payment was not posted as a manual transaction until Tuesday XX/XX/23 at XXXX. I called today XX/XX/23 at around XXXX and asked why the payment has not been applied to my available balance and they claim that the payment i mailed was placed on hold until XX/XX/23 and that they had no explanation. I asked for a better clarification and they said they had none. I filled a claim with them. They are holding payments that are mailed in for more than 10 business days and that should not be the case when they have delayed the receipt and application of such payment. This will reflect longer on my credit report as a line with an outstanding balance when it is not accurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 had a XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and Portfolio Recovery picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. PRA continues to report that the DoFD is anywhere from 2015 to 2016 depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the seven year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from XXXX with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even one payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was called by Cemenity Bank. They new my name and phone number. The debit was for a relative. I would have been OK with it however the collector was rude and belittling. He asked him so stop calling my number I said I was on the government do not call list. He said I was XXXX. I asked him repeatedly to stop calling my number. Finally I had to repeatedly telling to stop calling my number I ordered to get him of the phone. 
Here is the number they gave me to call back and the extension # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation