BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: CAVALRY INVESTMENTS, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out about the debt through a credit report. I called and mailed a letter to the company in XXXX of 2023 but haven't gotten a 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:
To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as XXXX, XXXX and Equifax such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company.

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : 1 ) XXXX XXXX XXXX opened XX/XX/XXXX 2 ) DEPT OF EDXXXX opened XX/XX/XXXX 3 ) DEPT OF EDXXXX opened XX/XX/XXXX 4 ) DEPT OF EDXXXX opened XX/XX/XXXX 5 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX 6 ) XXXX XXXXXXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX # XXXX Bal {$4200.00} ( XXXX ) XXXX PO BOX XXXX XXXX , OH XXXX XXXX XXXX BAL {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There was inquires from Chase Card on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There was inquires from Onemain on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Master Finance Company
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This agency is puling my credit as a hard inquiry every 30 days causing a drop in my credit each time. When questioning he Manager, XXXX ( refused her last name ) she stated that she can do this once a month. Although I am delinquent on this debt I was told that this was legal. I work for a collection agency and know this is not legal. I am not applying for an additional loan, or requesting additional funds, so there is no a legal reason in my opinion to continue to make these inquiries. The account has been reported as delinquent on he credit bureau report which is fine, as that is a true statement. I disagree with having my credit pulled with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have three issues With Equifax that I believe in direct violation of my consumer rights. 
First, i will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address. I sent the required identification requested by Equifax. XX/XX/XXXX Equifax sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I receive a letter from another dispute. I notice that Equifax re-inserted the deleted address without informing me in writing that they were re-inserting the deleted address. 
Second. Equifax is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations had expired. Tennessee statute of limitations is 6 years. XXXX state that the account in question expired XX/XX/XXXX. XXXX informed me to contact Equifax. Equifax has been informed formally several times. Equifax has reported this account 2 years beyond & years. I have formally disputed this era to Equifax several times. 
Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. Equifax was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to Equifax XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX Equifax sent the bankruptcy dispute have been verified through XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: CT
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:
As a cosigner on student loan my credit report was affected. The borrower has been trying to make more payments due to COVID-19. It has negatively affected the cosigners credit score. The cosigner tried make modification on credit score so that it would not effect score. Discovery student loan is not taken in consideration covid-19 pandemic which has caused the borrower to become late with four payments. XXXX. The cosigner is trying to rectify by trying to help to borrower by making substantial amount of payments to become current. However, it still will affect the cosigner and borrowers credit. Due to covid-19 this is an unfair practice to ruin someone's credit score and potential cause misrepresentation of XXXX  XXXX payments. Negatively impacting my credit score without resolving payment status to reflect current credit score. Covid19 was not suppose to let banking instructions make false reporting due to lapse of payments. Government mandated protection against credit reporting institution from reporting late payments. Discover student loans are not following guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Conn's, Inc.
State: GA
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 the Creditor Conn Appliances Inc with address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX last week on or around XX/XX/2023. I advised a representative on a recorded line that the reason for my call was that I had noticed on my credit report from XXXX, XXXX and XXXX they had reported account # XXXX was reported as a charge off and also showing a balance for {$4500.00}. I requested the Creditor Conns to send me a 1099-C form since the had charged off them account. I kept getting transferred and the last representative. I spoke with said the debt was now being handled by a 3rd party. I advised Conn Appliances that I never signed any contract with this 3rd party, neither did I authorize the 3rd party to handle this account. I also never authorized my account to be reported to Credit Reporting Agencies verbally orally or in writing. I advised that IRS guidelines require a creditor/lender to provide a 1099-c form for any forgiven/written off/discharged over {$600.00}. I also contacted XXXX, XXXX and XXXX and disputed the accuracy of this charged off account and requested it be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a charge on my Citibank XXXX Mastercard on XX/XX/XXXX in the amount of {$370.00} to the XXXX XXXX XXXX, XXXX. I filed a dispute with Citibank and was notified on XXXX posted on XX/XX/XXXX and it was labeled as " Reverse by XXXX ''. It was not labeled as a conditional credit in the amount of {$370.00} and also on XX/XX/XXXX, I received a credit for the {$29.00} for an additional charge by XXXX. Neither of these credits was labeled conditional by Citibank. I did receive an email from Citibank on XX/XX/XXXX, indicating that I must sign a letter and fax it back to Citibank by XX/XX/XXXX indicating that still wanted to continue my dispute. I did sign and faxed the letter back to fax number XXXX from my company fax XXXX with my statement. I find this requirement to fax back HIGHLY unusual since the company XXXX filed bankruptcy in this time period and never had the dispute been reversed by Citibank on my statements. Why am I supposed to accept the settlement of {$87.00} posted this XXXX statement as of XX/XX/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 2020-07-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XX/XX/XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank 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 2023-10-09
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I enrolled in a XXXX fitness program in the spring of 2023, I believe it would have been XXXX or XXXX. Someone in my life passed away causing me to move and I was no longer able to attend the gym and wished to cancel my membership. I contacted them multiple times to cancel my membership and they refused and continued to try to charge me. After my last attempt at communication they never responded. I assumed they canceled my membership as I was no longer getting charges for it from my bank. I found out today that they sold my debt to Aldous & Associates, I was not aware of a debt as I believed my membership to be cancelled and was never told otherwise. The debt is in the amount of of {$260.00}, which I am sure seems like a small amount but I simply do not have this money in my budget, my bills increased exponentially after I had to move due to loss. But I also don't believe I should have to pay this and that this is a result of Crunch fitness 's horrible customer service lack of empathy for its patrons, as I requested several times to cancel this membership. When I called A & A to dispute the debt as it says I can do on the letter, the woman on the phone told me that I had to write my dispute and it's the only way they'd accept it. Which I think is wrong as it says I can dispute it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Citizen Financial Group , Inc has been providing misleading advertisements about scholarships through their other business XXXX XXXX XXXX XXXX, and their scholarship programs. The XXXX XXXX website states, You can stack your scholarships so the amount of aid you receive XXXX XXXX, unlike loans. The statement is misleading and has forced students into acquiring additional loans or dropping out of college. Citizen Financial Group and XXXX XXXX have known about scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Citizen Financial Group and XXXX XXXX have used these advertisements to mislead students into applying for scholarships so that once the students become victims of the practice, they will get Citizen Bank loans. XXXX XXXX and Citizen Financial Group must be investigated for their misleading and predatory advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Asset Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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: Public record information inaccurate

Complaint:
They are reporting XXXX ( reported in XXXX ) and XXXX XXXX ( charged off XX/XX/XXXX ) as included in a bankruptcy that was discharged in XXXX. I sent over proof to have XXXX removed and they listed things as being included in a bankruptcy that was impossible being that the bankruptcy was discharged in XXXX and I didn't acquire the debt until XXXX. I have attached the same documentation that I sent Equifax ... no where listed on the documentation are these companies listed or I have put a dispute in for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am disputing 2 negative medical collections from Online Information Systems ... {$120.00} and {$87.00}. I am unaware of any medical treatment being rendered resulting in the alleged amount being owed. I contacted the credit bureau via mail and advised I did not recognize the entry and requested proof of contract that would validate the alleged debt. I never received the initial 30 day letter required by law with the option to dispute otherwise this would not be an issue. I attempted to reach out to the company directly to resolve but was unsuccessful In each attempt during corona virus due to quarantine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited money into the ATM. The ATM stopped working after I put my money in. They did a report. They told me that I owe back {$700.00} after they issued me what I told them I put in now theyre telling me that is not correct, but it is absolutely correct so now they are demanding to take the money back. They are stealing my money. Basically I am a XXXX  I deposit large amount of cash all the time Im not sure whats happening but its not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-19
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: Information belongs to someone else

Complaint:
FTC Violations Wrong name - XXXX XXXX Please remove these address, do not live there : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX {$740.00} XXXX XXXX {$570.00} Inquiries - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: SYNCHRONY FINANCIAL
State: FL
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 am filing a complain for Care Credit/Sychrony Bank this account was paid in full to a debt collector and it is reporting as a charge off on the credit bureaus XXXX and XXXX it was removed from XXXX credit report. There is no consistency on the information I have documentation from the third party debt collector stating this account was finalized and paid in full. I have been 6 months already fighting with this issue with no response, Under what consumer federal law state that an account that was sold to a third party had to remain on the credit bureau as a charged off for 7 years

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