BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
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: Account status incorrect

Complaint:
I have XXXX XXXX XXXX with XXXX. I completed my XXXX  in XX/XX/XXXX, and they reported me as late then and when I contacted them, they said they had the wrong date for last enrollment. They corrected some of the late payments reported. I was enrolled in XXXX  for XXXX and XXXX XXXX. According to their website, you have XXXX  months deferment before loans are delinquent. As of today, they have reported my loans as delinquent and that is incorrect. They have bad practices internally ... how does this happen to XXXX person XXXX? 

I have attached a snip it from their website showing the XXXX deferment and I have attached my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Company: Chime Financial Inc
State: NC
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:
This is involving my Federal income tax check that was Deposited on XX/XX/2023 With Chime who I bank with I have 3 accounts Credit card Builder, Checking, savings account and what I remember on XX/XX/2023 I transfer {$1900.00} to my checking account and also I transfer {$440.00} from my savings account and combine everything in to my checking account when I noticed suspicious activity 1st thing I did was go into my settings and Cut my card off then later on I noticed that Unauthorized was still taking place so I called chime member they say they started the investigation then they tell me they see no errors. Now I need some understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 started receiving calls from Profit Services Group. stating I owed a debt on a recorded line. I informed them, I do not want to be record. That request was ignored and the call continued without consent and I said nothing. The person on the phone threatened me with credit harm. 
On the very next day received the same phone call. I informed them I do not discuss my personal business via phone, please submit in writing to my address you have on file. No more communication via by phone. And the company refused to adhered. 

The next day received another call with threat of ruining my credit. Again I stated I do not want to be record. They still recorded the conversation. They faxed over some information and it stated I had 90 days to dispute the debit. 

I immediately disputed the date. Now the debit is on my credit and my score has dropped XXXX points because of them. I have denied credit because of their neglect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: ProCollect, Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent " On XXXX XXXX. Pro Collect added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this is mine. According to FCRA, Pro Collect has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.On XX/XX/XXXX Pro Collect response : '' Procollect received the consumer 's account from our client XXXX XXXX XXXX on XX/XX/XXXX. The consumer owes a balance of {$3100.00}. The consumer 's dispute has been noted and the account has been updated. 
Procollect will mail proof of the debt to the consumer 's address XXXX XXXX XXXX XXXX, XXXX, MS XXXX. I apologize for any inconvenience this may have caused. The consumer may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX XXXX. The consumer may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, Mrs. XXXX, directly @ XXXX ext XXXX. 
Thank You '' I still have yet to receive validation and proof of debt. It has been past 30 days.

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 2020-10-16
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Dealing with usbankreliacard. There was money uploaded to my card on XXXX/XXXX/2020. I can not access that money. Have called to find out what the problem is approximately 7 times. At least three of those times I was told to upload documentation as to who I am. Each of those times I was directed to different places. On XXXX/XXXX/2020 I last loaded drivers license information. I checked to make sure it got to the place it was supposed to and was in my account file. I was told by one person I would have everything verified within a week. Another told me 48 hours. I just went to talk with someone and they hung up on me. Very frustrated 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX, has 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

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 2020-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 been trying to resolved a late payment being reported by Capital One. I been a card holder since XX/XX/2019. Each month I have had issues trying to pay my balance via capital one website. I still do not have proper access to my account via their website. Therefore I can't used my card and can't review my statement or balance.Sometime everything went through, but most time I was left to call them to process my payment. They begin to add late payment to my credit report unless I setup auto draft. 
This is the only thing effecting my credit and denied my access to purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE SEE THE ATTACHED REPORT FROM XXXX   WHICH CORRECTLY DOES NOT LIST THE XXXX XXXX XXXX ACCOUNT THAT IS NOT MINE. I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE NOTE THAT *ALL* NECESSARY ID VERIFICATION DOCUMENTS ARE ATTACHED HERE, AS THEY WERE THE FIRST TIME THIS COMPLAINT WAS FILED. MY SOCIAL SECURITY NUMBER IS XXXX. THIS WILL BE MY LAST ATTEMPT AT RESOLVING THIS MATTER VIA THE CFPB, AFTER WHICH I PLAN TO LITIGATE AGGRESSIVELY.

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 2017-09-20
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently filed a complaint with CFPB on XXXX/XXXX/17 regarding two accounts with Midland Funding. First account amount resulting in {$630.00} and second amount {$580.00}. Midland responding with " Cease and Desist '' but stated I still owe for these accounts even though per Midland Funding policy " we stop credit reporting on accounts that are more than two years past date of delinquency. The response also stated to refer to an law office which would mean that I was sued by them and have no such knowledge of and was n't properly notified. I have yet to be presented with proof of ownership for these accounts I also have yet to receive any supporting documentation for these accounts. Nothing has been done to verify the legitimacy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-09-12
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint with Diversified Consultants. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I NEVER REQUESTED MY ACCOUNT TO BE CANCELLED!!! 

I contacted AppleCard on XX/XX/2023 because my card was declining, I spoke with an agent who helped verify the transaction and continued to use my card. 

However I went to use it today and it declined. 

I called and AppleCard is saying I closed it?! 

Thats not true!! Please listen to our calls!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
OnXX/XX/2018, I responded to an online offer ( Q2 XX/XX/2018XX/XX/XXXX Small Business Checking Offer ) from SunTrust Bank to open a Simple Business Checking Account. The terms of the offer were that if I made one or more deposits totaling {$1500.00} into the account within 30 days of opening the account, I would receive a reward of {$200.00} within 8 weeks of meeting the requirements. I deposited {$1000.00} on opening the account and an additional {$640.00} on XX/XX/XXXX. Therefore, my account should have been credited with the reward byXX/XX/XXXX. I have not received any reward. I made several inquiries at a branch and on the phone. On XX/XX/XXXX, for example, I was told on the phone that I met all the requirements of the offer and should receive the bonus in XX/XX/XXXX. On XX/XX/XXXX, I spoke to XXXX   on the phone. She also told me that I met all the requirements. However, she then discovered that there was a note that someone from SunTrust tried to call me on XX/XX/XXXX to discuss a missing promo code on my online application. She said that the note said that they left a voice mail, but I could not find any voice mails from SunTrust. I explained that I definitely remember seeing the promo code on the application. She took some information from me and told me she would try to resolve the problem. Today, I called SunTrust again and spoke to Mr. XXXX, who repeated that someone called me on XX/XX/XXXX but said the person didnt leave a message ( contradicting XXXX ). He told me I was unqualified for the reward because of the missing promo code, and that SunTrust would not pay 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 2018-03-01
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2007 {$1000.00} I was making payments and I went through some financial hardship and wasn't able to make payments. debt collectors called my employee when I told them not to.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My air conditioner went out and I was told that I didn't have coverage. When I went to take the truck back.

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 2020-11-25
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

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 2020-10-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have requested help on this issue several times. XX/XX/XXXX is especially negligent in verifying this account. Comenity Bank has consistently reported an account I had with them and opened and closed it depending on the month. I have a letter dated XXXX/XXXX/2019 informing me by Comenity Bank that my account was closed and sold to XXXX XXXX XXXX at that time. Yet Comenity continued to report my account, usually with a XXXX  balance, for over a year and some months showing 120 days late. This intentional false information supplied to credit bureaus has prevented me from obtaining credit, refinancing my home and increased my insurance premiums. I am outraged that for over a year I have been reported as delinquent by a company that doesn't even own my account with made up late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I was approved for a forbearance on my home equity line in XXXX. Since I paid my XXXX payment I asked them to start in XXXX. According to the papers sent they said it would not be reported to the credit bureaus as late, it will be reported as current. Upon checking my credit they did report as late and my score went down 100 points. I have written to TD many times and i get no response. This is very disturbing for I am XXXX year old and always had excellent credit. Now with this report I will not be able to buy a car in the future ( I am driving a 6 year old car now ) nor get another mortgage and many other things. I was so upset about this I brought the account up to date in XXXX but I need TD to correct the credit report. I am including the approval letter which indicates that it will be reported as current also including a letter I sent to XXXX   where I was able to get a free copy of my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 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 or 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 of 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 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been a victim of Identity Theft. I Did not Authorize These Accounts.

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 2023-06-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief