BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: Experian Information Solutions 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:
Experian continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.

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 2017-07-31
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX, I received, from ANDREU, PALMA, LAVIN & SOLID, PLLC, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was ten years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only ten years old in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
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 Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. Complainant told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. XXXX and Experian show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged Complainant. XXXX and Experian also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.

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 2018-01-09
Company: EQUIFAX, INC.
State: NY
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 equifax dispute center on XX/XX/2017 and XX/XX/2017 in regards to XXXX inquiries they are reporting on my credit report. I advised the representative that the inquiries were not authorized by me and I had supporting documentation from the companies stating they made a request for the inquiries to be removed. I have sent correspondence via fax and mail and have called numerous times and the inquiries are all still reporting. The inquiries reported without my authorization are XXXX, XXXX XXXX XXXX and XXXX XXXX. Equifax has yet to acknowledge requests from both myself and the companies to remove these inquiries even though I have disputed these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited money on XX/XX/XXXX The money was withdrawn from my bank account by Coinbase on XX/XX/XXXX. My money is still not available to me on Coinbase as oXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid 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:
Bank of America offered {$100.00} as bonus to new customers who spends {$900.00} within 3 months after opening the credit card account. 
I opened my account on XX/XX/XXXX2016. I did not receive the promised bonus after spending over {$900.00} with in 3 months after opening the credit card account. 
I 've been to the BoA branch where I opened my credit card account numerous times regarding this issue, and BoA representative denied the existence of such offer.

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 2019-10-16
Company: Experian Information Solutions 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:
Experian has not blocked the fraudulent accounts that are listed on my Experian Credit File, All they could tell me when I called to have these items blocked that were opened due to Identity theft was that, the creditor has provided " sufficient '' Evidence that these are my accounts. Yet that isn't possible, because for one the XXXX Account shows 2 payments in the amount of {$0.00} then it shows 2 deliquencies One in XX/XX/XXXX and one in XX/XX/XXXX, Which doesn't make sense because wheres 's all the other dates? We are here in XX/XX/XXXX.  Experian skipped all those months, and yet also this account was opened at a fraudulent address that EXPERIAN Fraud Department verified that they blocked in XX/XX/XXXX. Yet they have listed both a XXXX card account which again is on my FTC Identity Theft Affidavit which has been sent to the police, and a XXXX Account. You have to be a member of the military of have family in the military to join XXXX which I do not have either, nor have I ever been associated with the military. Again this account was opened at a XXXX XXXX address I never lived at its listed on my affidavit and yet Experian still reports these accounts knowing they are fraud. 

Account # 1 - XXXX Creditor XXXX XXXX XXXX XXXX Balance {$4600.00} Opened on XX/XX/XXXX. 
Account # 2 - XXXX Creditor XXXX XXXX XXXX XXXX Balance {$15000.00} Again This is fraudulent and only shows 2 payments of XXXX $ Obviously it's fraudulent and These two accounts were opened after my identity was stolen. The documentation for these accounts were sent to fraudulent addresses both account applications were fraudulent and Experian does not have any sufficient evidence besides an invalid license that the company is trying to provide them that doesn't actually match my license. These are fraudulent accounts and per law 603 ( B ) I have not materially misrepresented anything.

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 2017-07-31
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX EOSCCA XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, XXXX which you claim I owe {$2400.00}. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity  of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Bread Financial Holdings, Inc.
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:
I currently have a 30 day delinquency reporting on XXXX  for XX/XX/2018 and on XXXX for XX/XX/2018. I have never been late on payments on this account. I attempted to rectify this with the bank numerous times but they fail to provide billing statements reflecting late payments. I also typically reach out to the bank to confirm payments to ensure no payments are due and each and every time I advised all payments are up to date. Specifically I called during the XXXX, XXXX and XXXX of 2018 due dates and I was told by the representative no payments were due as all payments were met. The 30 day delinquency reporting on my credit profile is incorrect as I have never missed multiple payments for consecutive months on any of my credit cards. Also the reporting against all 3 bureaus are incorrect as two bureaus state I was 30 delinquent in XX/XX/2018 and one states I was delinquent XX/XX/2018. 

This bank has tarnished my credit tremendously with the reporting of this incorrect 30 day delinquency. I am looking to receive help with this or look to take legal action as this reporting is a form of unfair treatment due to the incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contact XXXX on XXXX XXXX, XXXX due to I have seen a recent charge on my credit report in the amount of {$980.00}. They also have two other accounts closed on my credit reporting the same amount of {$980.00}. I have called and ask to validate the debt. 
I have also fax them the letter to validate the debt and that im disputing the debt also. I also told them its on my credit report and the representative said yes and its not getting deleted as to to reference that, Yes she know and it staying their. 

I received a reply from XXXX on XXXX XXXX, XXXX they letter arrived to my place after that date. the letter they provided is not validating the debt, they only replied with papers showing the amount only. 

I was confused so I call XXXX .I ask Is there anyway they can remove the negative reports from my account because I received a letter Not proving that its my debt, the letter XXXX XXXX only showed 3 account with the same amount that 's not validating the debts and can you please remove the accounts from credit file it is damaging my report. She also said it is not getting removed from my credit report. 

I sent another letter on XXXX XXXX, XXXX stating that This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX has reported on my credit report that I have a 1 Month term to Pay the debt of {$980.00}. I was not informed Of the term nor was a payment plan discuss because i have not yet received information i have requested. How do i Know if the debt is mines when they are not sending in the requested info. 

XXXX keep FLAGGING MY CREDIT REPORT DAMAGING MY REPORT WITH INFORMATION THE HAVE NO PROOF OF NOR NOT PROVING THIS IS MY DEBT.

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 2017-07-31
Company: Experian Information Solutions Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, three months ago I was in the process of obtaining a mortgage and signed up with Experian to obtain my detailed credit report from all three credit reporting agencies. At the time of signing up for this product, I was very careful to make sure I was not going to be billed monthly, I just needed the details from my credit reports at that particular time. I just realized that Experian has been charging me {$24.00} for the past three months, most recently on X/XX/17, X/XX/17 before that, and X/XX/17 before that. I called Experian and they told me that I signed up for a monthly service, and I told them that I did not, and had read very carefully what I wassigning up for. They would not refund me for the past two months of fees, even though i was willing to  pay the original {$4.00} fee as well as the {$24.00} fee. In fact, Experian hung up the phone on me after speaking with a representative for 20-30 minutes, and waiting on hold for 10-15 minutes. They  can clearly see that I did n't even sign into my account and they know that they are scamming customers. I work for XXXX XXXX and I am accustomed to reading the fine print. The way Experian baits-and-switches their customers is fraudulent. I read everything online before purchasing the three credit reports and they were clearly hiding the fact that they were going to charge me monthly. I can not believe these credit reporting agencies get away with this scam. This happened to me once before over 5 years ago with XXXX, and I have been very cautious to never let this happen again. I was aware of the risk and was specifically looking for this when signing up for my credit reports, but Experian hid this very well and did not want to make it abundantly clear that they would be charging my card every month. My " Membership ID '' with Experian is apparently XXXX. Thank you for your help, 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 monetary relief
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: NV
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 violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against XXXX XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX XXXX, and XXXX XXXX XXXX., d/b/a XXXX  XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0.

To learn more, read Buying & Owning A Car.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended the XXXX XXXX XXXX XXXX, PA earning a XXXX Degree in XXXX XXXX and graduating in 2012. I have learned since then that the school is now closed and I am filing a separate complaint. When my loans became due in XXXX of that year, my parents and I tried to reduce the payments. I was facing a total of {$160000.00} plus in debt. On many occasions, they had us in tears and were not willing to work with us. We started paying the extremely unfair monthly payment but as life goes, our financial situation had changed. We tried to lower the payments again, but were unsuccessful. My parents got an attorney involved to see if he could work something out, but they refused to talk to him. My balance has since been turned over to collections. Navient has addressed the 2 loans that my mom co-signed, but I need Navient to work with me on trying to come up with a reasonable payment, reducing interest rates and waiving past due fees and interest. I dont own anything, my credit is shot and as it is now I barely make enough to live. I need Navient to work with me to hopefully come up with a fair payment. Depending on how this goes, it could mean my marriage which is already financially strained. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a victim of the government  shutdown and can not make any payments at this time. I wish to defer payments for at least six months so I can recover. 

All my credit card companies insist on some sort of minimum payment which I can not make and will not work with me. 

All companies were contacted in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and are constantly calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13
Company: CBC Companies, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation