BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity bank recently bought the XXXX Visa from XXXX   XXXX. I closed my account before the purchase was down and XXXX XXXX still had control. 

I reactivated the account with a new card that was sent to me by Comenity because XXXX  XXXX was no longer going to accept payments despite what I was told. I recently tried to close my account with Comenity who tired to tell me twice that my account was closed on XX/XX/XXXX, 10 days before I reactivated the account so I could pay. I know that they can see the record or where my payments came from and still have full access to using the card but they refuse to look at it or tell me exactly what they see. Comenity is  XXXX awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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 AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: IL
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 don't recognize this accounts, i don't have any agreements for this companies with my signature. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

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 2019-10-30
Company: JH Portfolio Debt Equities, LLC
State: TN
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:
I am unaware of any dealings with the original creditor of XXXX XXXX XXXX XXXX  XXXX or the current creditor of XXXX XXXX XXXX ; nor do either of these creditors appear on my credit reports. 

It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that XXXX XXXX XXXX provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Never updated employment.

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 2019-10-30
Company: Experian Information Solutions Inc.
State: TN
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:
Experian and XXXX refuses to remove an account on my credit report and claims account was verified as accurate although the account was dismissed in local court as being unverified.

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 2019-02-13
Company: FC HoldCo LLC
State: MD
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:
Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for 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 2020-11-04
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: Information belongs to someone else

Complaint:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

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 2019-10-30
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In 2015, I received notice that I was significantly delinquent on specific loans that were serviced by Citibank. In order to prevent charge off status being applied to my credit report, full payment of the loan amounts were requested. I paid those payments through my XXXX XXXX  account through the below checks : Check # XXXX - XX/XX/2015 - {$4000.00} Check # XXXX - XX/XX/2015 - {$1600.00} Check # XXXX - XX/XX/2015 - {$500.00} Check # XXXX for - XX/XX/2015 - {$500.00} After that, my balances were transferred to XXXX XXXX and XXXX XXXX XXXX. Both service providers can not provide information on these payments. Balances continue to not reflect in my history of all three providers and 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 2022-10-04
Company: JPMORGAN CHASE & CO.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Chase Bank has refused to review a multitude of evidence, including receipts, XXXX information, XXXX information, and general lack of compliance from the company in questions. Responses have been minimal. The banking team does not reach out to inform of any decision or provide updates, only to acknowledge that they are " looking into the situation '' This was reported 6 months ago, and reported before the transaction occurred. The response I received was " Sorry, they had enough information to charge you '' then silence. I filled out a XXXX  and company responded to say they would look into it, only to receive incomplete data and zero correspondence. The chase bank team then said it was worthless to fight because the company was too large. The other company has admitted fault and issue. They have not been able to provide straight data the entire time of correspondence, issuing a wide variety of excuses as to why the information did not match or simply stated " They cant find it ''. There are also noted security issues as relayed to XXXX and proper authorities. Based on correspondence it seems they are trying lose or deter my interests by prolonging the bureaucratic system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency in question is Kimball, Tirey, & St. John , LLP.

My issue with them is as follows : They were awarded a judgment against me by the California Superior Court and subsequently awarded authorization to levy my bank accounts. I paid the Levying Officer ( XXXX XXXX County Sheriff ) the full amount due plus all interest accrued up to the day I paid them which was XX/XX/2019. The XXXX  clerk verified the total amount due the day of and issued me a receipt for the payment rendered.

Several days after this I received a telephone call from Kimball, Tirey, & St. John , LLP attempting to collect the debt. I advised them that I had indeed paid the Levying Officer and that our business was done. The called the XXXX   and verified that I made the payment and stated that it was the policy of XXXX  
Levy Officer to payout judgments towards the end of the month and it would be three weeks before they received the payment. Now two days
ago, I receive a Memorandum of C

ost After Judgment from Kimball, Tirey, & St. John , LLP seeking an additional {$21.00} in interest ( apparently accrued during the time period they were awaiting payment from the Levying Officer ). I feel that this is extremely unreasonable on several fronts : 1. I can not control when the Levying Officer pays Kimball, Tirey, & St. John, LLP ; I paid the Levying Officer as directed by the court. 2. I paid all interest that accrued up until the very minute my payment to the Levying officer was received and I have substantiating documentation. 3. This Memo is supposed to be responded to within 10 days yet it was 10 days old when I received it. I believe that the actions of Kimball, Tirey, & St. John , LLP are unreasonable and unfair. I have nor reason to believe that even if I paid the {$21.00} that they would not com e back and say that there was
additional interest accrued since their Memo issued on XX/XX/2019. This could conceivably go on in perpetuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: PlusFour, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account XXXX : XXXX XXXXeference Number : XXXX Right below is the latest response from PlusFour. 

" The information provided by you to us is the same that we have on file for you. If this is not your debt then please provide information proving that this person is not you. If you are a victim of identity theft or fraud there are steps that you can take. Otherwise based on the information you have provided to us and what we have from the creditor this debt is yours. You account is marked as disputed and will remain so until you are able to resolve it. '' I don't have to provide information to prove the person is not me. It is PlusFour 's job to prove it belongs. They have yet to show a signature or proof that they are authorized to collect this alleged debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt has me as cosigner, no notification, or information to verify debt. Debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my account and when I called for a reason I was told it was confidential and they can't give me a reason why, even though I am the account holder. My account always had money, I would get direct deposits weekly. I overdraft only once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: ROBINHOOD MARKETS INC.
State: FL
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 an account with Robinhood LLC an online broker, which I've used sparingly over the years. I have no issues with depositing money through my attached bank account and I have two factor authentication for security. I have been trying since XX/XX/2021 to close this account then again XX/XX/XXXX I reached out to customer service then again XX/XX/XXXX I reached out again. Not until the XXXX of XXXX did they say they would escalate this matter. I simply wanted to close my account but they are sending me requests for copies of my social security card, my license, my bank statements. this has nothing to do with closing an account that is in good standing with NO report of fraud on it from me. I was never locked out of my account and there is zero reason for them to delay letting me transfer my cash out of their brokerage and back into my bank that is attached. If they are trying to keep XXXX I find that extremely concerning. My complaint is they won't let me close my account and for the reasons stated above I feel just in my cause to have this rectified without additional hoops and delay my transfer another month. 

I expressed to them quite vividly I do not trust them with the unnecessary information they are requesting because companies are selling consumer information to the marketing affiliates and ransomeware attacks these financial institutions seem to be victim to. It is my right to protect my identity and without fraud claims on my account and myself having full access, I should not have to provide additional details to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I missed 1 payment back in 2018 and have sense paid off the entire balance with interest. I had called and asked the company for a good will removal of the late payment and cited fcra guidelines that would enable me to remove the derogatory information being reported, and the representative closed my account without offering a solution which has sense hurt my credit score in a negative way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-30
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We had XXXX XXXX, back in XX/XX/XXXX we contacted them that we wanted to stop our service, We paid the final bill, we then switched to XXXX XXXX for our high speed internet, phone, and tv. We were surprised to get a bill from XXXX and contacted them after we canceled our service, XXXX then sold our account to DIVERSIFIED CONSULTANTS, We have been fighting with them and XXXX XXXX to get this removed from XXXX XXXX 'S account for almost 2 yrs  now. The total amount we do not feel we owe for two reasons first this account was not sold to the collection until XX/XX/XXXX, and two we canceled our service. And gave them plenty of notice about it as well. D.C is showing they have had this account since XX/XX/XXXX that is not true.I had submitted a complaint before but had the wrong name but this time I have the correct name. All we want is for this collection to be removed from his credit report. It is past the normal time frame of 2 years, it's time for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: DISCOVER BANK
State: IL
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:
After conducting my annual credit report review, I have notice several items on my credit report that does not belong to me. I have filed a police report, submitted a letter of concern, proof of identity, and address to the companies in question. It has been over 45 days and I believe, that should had been enough time to investigate that these accounts was fraudulently established without my permission. These accounts was established without verifying identification. Which that alert was already established on my credit report before these accounts was open, requesting verification. I guess that system is flawed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDUCATION # XXXX ( Same account # 4 times 4 different amounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All 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 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 non-monetary relief
Consumer complaint received 2020-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America are liars! ... ..I was told that my loan modification was approved. I have completed the trial payments. The last trial payment was in XXXX according to Bank of America 's paperwork. Since then I have been waiting for the permanent mortgage monthly payment. Every time I call Bank of America inquiring about changing my account to a regular account to pay my mortgage, they hang up on me. 

I need for Bank of America to change the classification of my loan so that I can pay my mortgage.

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