BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: OK
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:
This is getting old. I have disputed XXXX XXXX more times than i can count. Experian is the only company that does not review disputes. The information being reported to them is unverifiable and erroneous. It keeps coming back as verified. Can i please get the proof that an actual investigation took place. How can incorrect information be verified. Its not possible but yet again shows verified. Its unverifiable. False information is being reported. This was investigated and removed from XXXX and XXXX  a long time ago. How come two out of three credit bureaus investigation led to immediate removal upon completion of their investigation. Experian is maliciously keeping this unverifiable data on my report causing me to get denied credit and or be charged a higher intrest rate. I feel like i might need an attorney at this point.

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 2017-08-17
Company: Activehours
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Active hours app is showing that I withdrew {$100.00} on XXXX XXXX, 2017 to be transferred to my checking account, however no money was ever withdrawn and no fund we received in my checking account. I have contacted there support group multiple times, and have not been able to resolve. the last contact was last night. I did advise them that they better not try to take this money out of my account when I get paid on XXXX XXXX, 2017 since it is not something I ever received. I have not received any kind of response from them.
I am beginning to believe the Activehours app is a scam. They have no phone number to call and speak to someone. Everything is done through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COMPANY : KOHL 'S ( Capital One ). 
Date account was opened : XX/XX/XXXX Date account was closed : XX/XX/XXXX Account # : XXXX Original Debt : {$140.00} From XX/XX/XXXX to XX/XX/XXXX the debt increased to {$430.00}. The company did not waive late fees/ and during the whole pandemic i received multiple calls during the day. 
On XX/XX/XXXX i did contact the XXXX number located in the back of my Kohl 's card to speak with a representative and change the payment dates because at the time my dad was in the hospital and we had a major setback financially and emotionally. The agent told me " that the late fees can be paused for 2 months and i can pay the next month without additional fees ''. At the beginning of the pandemic XX/XX/XXXX i called Kohl 's again to let them know that at my workplace our schedules have been reduced to 2 days because the company didn't know the magnitude of the COVID-19 VIRUS/ CRISIS.

Again the representative told me that i shouldn't worry about as long as i make the payments, the excessive fees added to the account are not ONLY ridiculous but are violating my consumer rights. During XX/XX/XXXX the Governor XXXX XXXX paused late penalties to credit cards/ paused payments/ Kohl 's kept harassing me over the phone/and mail. Predators that did not give me any option to pay the original amount XXXX dollars. They persisted to collect three times more. This debt is in violation of 15 U.S CODE s 1681 N.

Not only my emotional health has been jeaopardized by this abusive company but my credit score as well. It has been reported as 'updated account on XX/XX/XXXX '. 
which falls in violation of the Consumer Credit Fairness Act XXXX. The debt is time-barred. 
i do request to remove this account from my credit report and/or be paid for damages occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NV
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 sent a letter last XX/XX/XXXX to remove these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: MT
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-01
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I moved for XXXX to stop reporting negative accounts on my consumer report. I did not give written permission to have these accounts furnished on my credit report ( 15 USC 1681a2 ). These accounts must immediately be stopped from reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed a few days ago after reviewing my statement that there was a charge on my XXXX XXXX XXXX XXXX issued by Synchrony Bank. 

My personal laptop was stolen from my apartment and not sure who took it because I live with roommates and family. 

I immediately filed a dispute but no action was taken

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 2022-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: MS
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:
I have contacted XXXX on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have contacted XXXX on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.

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 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
To whom it may concern, I have tried to send the credit reporting complaint after complaint about dislitiqucy reports on my record. I had XXXX XXXX that are all paid off but they seem to refuse to take them off after i have asked the last 3 months. That is not reporting my credit report the right way by doing this please help. It is bringing my fico score down big time.. Thank u 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 2018-06-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Wells Fargo after seeing an advertisement for a {$200.00} bonus after making 10 transactions with the account each month for 3 months after opening the account. I opened the account, made all the transactions, and still have not received my bonus. I completed the transactions on XX/XX/18, and the terms of the offer were that after completing the terms, the bonus would be deposited within 45 days. It has been 54 days, and I still have not seen the bonus. I know Wells Fargo has a history of not treating customers fairly and misusing information, but this just seems unfair when a company refuses to honor the bonus.

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 2023-09-01
Company: Collection Management Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of id. theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL ject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried on many occasions over the last few months to access my old cashapp accounts ( I have rotated through several different phone models lately and all have required a re-installation of the cash app ). Every time I reach out to the company to get access to my prior wallet, they tell me they can not provide access and that I should open another account and they will automatically identify any prior accounts I have and migrate any balances. That has NEVER happened. All I want is for these scammers to provide me with a list of ALL transaction TO and FROM my accounts. I've provided them all the necessary information they require to validate me as the owner of the ( NOW ) XXXX accounts. All the customer service reps refuse to provide me the information- under the pretense of " security ''. I gave them personal information to create the wallets, all they should need is the same personal information to provide me access to my funds, they are refusing to do so and keep making me open more accounts- which actually does not resolve the problem and only adds to the confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: NAVY FEDERAL CREDIT UNION
State: AL
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:
On XX/XX/XXXX, Navy Federal Credit Union received a credit report from XXXX. 

I was denied credit ( a new home mortgage ) based on 'Excessive obligations in relation to income ' and AMOUNT OWED ON ACCOUNTS IS TOO HIGH. 
This is not supported by the information on my credit report since all accounts have been paid in full since XXXX. 
My FICO score varies between 837 and 850 with all bureaus. 
I use only two credit cards and pay off the balances every month.

The only outstanding loan is my mortgage with Navy Federal with a balance of $ XXXX and monthly payments of apx {$1200.00}. 
XXXX will not allow me to dispute the incorrect Key Factors listed above that resulted in the denial of credit even though my account information does not support their denial reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$850.00} 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 2023-08-11
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. 

XXXX # 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. 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Truist card fraud monitoring services and within the letter they state they closed my account. I have never opened a Truist 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 2018-10-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
this account has been disputed and removed once for errors and it keeps showing up on my reports.

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