BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$2300.00} ; USDOE/XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-11-10
Company: Ocwen Financial Corporation
State: MN
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in XX/XX/XXXX these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.

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 2023-07-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I sent out a debt validation letter on XX/XX/2023 Genesis Credit Management received it on XX/XX/2023 they stated to have sent out the validation request on XX/XX/2023 to the incorrect address this is a violation under the FDCPA 30 day no response.This debt collection agency has committed the following FDCPA Violations 806 : Harassment and abuse 807 : False or misleading representations 808 : Unfair Practices 809 : Validation of Debts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
They have a hard inquire on my credit report and I never applied for an account with their company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLUMBIA DEBT RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A complaint was filed on XX/XX/2020, regarding information being reported incorrectly on my credit report. On XX/XX/2020 Ally Financial responded that the charge off would be removed in which it was. However on XX/XX/2020 Ally Financial updated the account again as a charge off and increased the balance by {$640.00}. I reached out today to Ally Financial and spoke with XXXX and was told I dont know why and she would not have an answer until next week. This is unacceptable as Ally Financial is severely impacting my credit and possibly my employment due to their negligence and continued errors. This has been an ongoing issue since XX/XX/2020 and we are now in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Santander Consumer USA 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:
Santander Consumer USA is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account to " verified '' status per Santander Consumer USA. No evidence to back the claim. I contacted the bureaus again requesting a copy of the signed agreement between myself and Santander pursuant to the Fair Debt Collection Practices Act. The bureaus all responded by updating the account status again to " verified '' per Santander Consumer USA. Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Santander reports my first date of delinquency to XXXX  as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment to back this claim. Santander is reporting no payment history on my XXXX  and XXXX  report, so how are the credit bureaus to calculate the first date of delinquency? How do they know when this item should be removed? The bureaus do not know, which is why this account has been sitting on my credit report since XX/XX/XXXX. Most accounts are several months past due before being placed into collection. So, if XXXX & XXXX  were to " estimate '' a date of delinquency on Santander 's behalf, it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Bread Financial Holdings, Inc.
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: Information belongs to someone else

Complaint:
The following companies have been contacted in reference to inaccurate information, inaccurate furnishing of information and or FRAUD under my name. XXXX and XXXX are reporting accounts from Comenity Bank/Victorias Secret XXXX XXXX XXXX XXXX Bread XXXX  and XXXX XXXX XXXX XXXX Any accounts from XXXX XXXX XXXX  and Comenity Bank need to be deleted from my credit profile as soon as possible. The unfair and inaccurate reporting is causing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
A discrepancy between the promised and actual reward for a credit card application. I applied for and received a Prime Visa credit card from Chase. According to the advertisement at the time of my application, I was supposed to receive a {$200.00} gift card, not the {$50.00} one I eventually received. 

Here are the detailed events : On XX/XX/XXXX, I saw an advertisement on Chase 's website regarding the application for an Amazon co-branded card. For the standard Amazon Visa, the gift card reward was {$50.00}. However, Amazon Prime members could apply for the Prime Visa with a gift card reward of {$200.00}. ( Unfortunately, I did not take a screenshot at that time, but even now, the Chase website shows a {$100.00} gift card for Prime Visa, higher than the standard Amazon Visa 's {$50.00}, as seen in XXXX ' ). Consequently, I subscribed and paid for Amazon Prime membership ( proof in XXXX ' ) .After this, I proceeded to apply for the Prime Visa XXXX XXXX XXXX XXXX, the sole application channel for this card. Even if one clicks on the application link on Chase 's site, it redirects to Amazon. I ensured during the application that I was indeed applying for the Prime Visa with a {$200.00} gift card reward. 

Shortly after, I received an email stating that I was approved for the standard Amazon Visa card with a {$50.00} gift card. I immediately found this unacceptable and called Chase. I informed them I had applied for the Prime Visa, hence should get the {$200.00} gift card. The representative mentioned they only received data for the standard Amazon Visa from Amazon. I explained that as a Prime member, I should be entitled to the Prime Visa, and expressed my intention to cancel the card and reapply. The card was subsequently canceled. However, when I attempted to reapply the next day, the website indicated I already held such a card. I contacted Chase, and they confirmed the card was canceled. They weren't sure why I couldn't reapply, but offered to issue a Prime Visa card directly over the phone, which I accepted. I believed that this should come with the Prime Visa 's welcome reward. Yet, to this day, I haven't received the reward I'm entitled to. I raised this issue with Chase, but they have refused to provide me with the {$150.00} difference in the gift card reward ( refer to XXXX ' ). From both the standpoint that I should have initially received the Chase Prime card and the perspective of being directly issued the Prime card after my phone complaint, I should get the matching reward for the Prime card : a {$200.00} gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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 this creditors has violated my rights under XXXX us code 1681section 602 A state i have the right to privacy. 

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 


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 explanation
Consumer complaint received 2021-02-04
Company: CMRE Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CMRE Financial Services is not reporting accurate information to the Credit Reporting Agencies. I have paid the debt owed to this company, and they continue to falsify information and report that the debt has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2021-11-10
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with the Dime Savings Bank of XXXX. I am missing more than {$60000.00} in direct deposit funds. I work with the XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: World Acceptance Corporation
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on WORLD FIN XXXX Balance Owed : {$550.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is XXXX XXXX. The original creditor was XXXX XXXX XXXX. 

This account was removed and re-inserted ... I was not notified ... and this is violation of F.C.R.A. law, litigation will follow, because original creditor ( XXXX ) stated that they did not verify, and a debt can not be collected twice ...

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 2023-07-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Friday XX/XX/XXXX a consulting client requested if she could pay me with her credit card via PayPal a total amount of {$6000.00}. I own a consulting company and we're managing a project for her team. This was a payment for independent contractors on the contract. She requested I send a request being that she could not easily find my account because I do not use PayPal in general for business. 

I received the payments split in two installments. After being charged 3 % in fees I was charged another {$25.00} to direct deposit transfer. I attempted to transfer the remaining {$1300.00} but the system said I was over my weekly limit. 

I left this alone and waited until the next day. Only to find out my account was blocked due to violation of the user agreement. In return I : 1. Reviewed the entire user agreement and found no violations on my part 2. Called the PayPal customer service requesting to file an appeal and find out why this happened. 
3. I was assured by the agent I would hear back from them in 3 days. 

I called today XX/XX/XXXX, close to XXXX and was able to connect with an agent. He explained the following : 1. My account was reviewed on the 2nd and finalized. 
2. They would hold my funds for 6 months 3. I could not refund the funds back to my client 4. They could not and would not tell me what the violation on the agreement was 5. I had no recourse to defend myself or provide any additional information that may clarify the issue itself 6. I was informed that it was a risk issue I explained on that call that : 1. I was not selling on PayPal, a client requested that I receive her payment through Paypal because she was going out of town and could not get to her bank branch in time. 
2. These funds are meant to pay contractors working on a contract for my company. 

The agent apologized profusely and was transparent enough to share that there is intentionally no disclosure of the issue by the company and there is no recourse to me as a client to defend myself or overturn their decision and treatment. Not too mention I was permanently banned from using the service. 

They are currently holding {$1300.00} in the account which is needed to pay independent contractors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX XXXX  XXXX sent me a letter stating resurgent now owns an account ending in XXXX an alleged debt in the amount of {$9200.00} On XX/XX/XXXX I received a letter from resurgent stating LVNV funding llc has required this alleged account. None of whom I have ever contracted with, it also stated Resurgent capital services L.P is the master servicer for LVNV funding LLC, also never contracted with. 
None of this alleged debt has been validated and yet it shows up on my credit report which violates the fair credit reporting act, the fair debt collection practices act, and defamation of character. Today XX/XX/2023 I sent a debt validation letter to XXXX funding who claims to have purchased this alleged debt from XXXX XXXX bank Nevada NA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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:
Hello There is a lot of incorrect information showing on my credit report and after investigating I was able to confirm that I had the right to send my complaints via letter to the Credit Bureaus, well I must say im not happy with the way this has been handle since I always try to get in touch and I either get ignore or adviced that there will be an investigation open and no result its provided, its been months since i've been waiting for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Recently checked my credit report and noticed some unauthorized hard inquiries on my account. My information was used without my consent.

Company response to consumer: Closed with explanation