BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: AR
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-06-23
Company: Clarkson Law Firm, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This information was deleted off of my credit I was mailed a copy and XXXX XXXX who was the original debt collector and now I have another debit collector trying to get payment to pay off the debit. I spoke with Clarkson Law firm advising I am unable to pay the full amount {$1800.00}. They sent a summons before I knew Clarkson and XXXX had the debit. The original lender did not contact me for payment and it was obviously sold to another debit collector. Now that I had it disputed here I am with a summons that I believe should not have been sent. I reached out but they could not help me settle this payment. I advised them due to covid-19 and unemployment I could settle for {$200.00} they declined the offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

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 2018-03-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
XXXX XXXX has decreased my credit limits and closed an account. These accounts that I have had for at least 5 years and have never been late on a payment and have recently paid off all my balances. My credit score was XXXX when they started dropping my limits and closed an account causing my credit score to drop and also being embarrassed when I went to use these cards. I feel the bank did this because I was not using my cards at the time due to buying a house and therefore they were not making any money on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 at XXXX, I received a phone call from XXXX XXXX XXXX XXXX XXXX that was supposedly a Cash App representative that was trying to verify that I sent my mother {$100.00} on Cash App website. My mother was having trouble accessing the money sent to her via the Cash App. My mother got Cash app phone number from XXXX, and gave this so- called Cash app representative my phone number. The representative already had information about my mother and was trying to get my pin. Unfortunately I couldnt remember my pin, so he text links for me to access to reset my pin. I received a fraud alert from my my credit union that someone was trying to debit {$2000.00}, {$1000.00}, and {$500.00} dollars from my account. I try to contact Cash App but it was difficult. There is no way to get help from Cash App about these situations. I deleted my account with Cash App. My concern is the same number XXXX XXXX XXXX XXXX XXXX called me again and this person keep sending me texts from a phone number XXXX XXXX XXXX XXXX XXXX about a person sending {$1100.00} to me via my cash app with a link. The same person took {$200.00} from my mothers cash app account also today. I would like to submit a complaint and a alert of possible scam and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX 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 2020-08-21
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient has been reporting my student loan as a charge-off status since XXXX but the account has been delinquent since some time in XX/XX/XXXX-XX/XX/XXXX. The delinquency is greater than 7.5 years old and would have been removed from my credit report had they not reported my last date of payment was on XX/XX/XXXX. This payment was made by the co-borrower, my father, when he settled his portion of the loan. Unfortunately he was misled by Navient and thought he was settling the loan in its entirety. Navient then put the account in to charge-off status in XXXX and has been asking for the full amount ( including the co-borrower portion that was settled ) to be paid by myself. I believe this is a deceptive tactic. I also believe they can not continue to report inaccurate information to the credit bureaus. I have tried to reach out to them several times since XX/XX/XXXX. Their only response has been to forward me to a third party collection agency for settlement or to get me to settle the loan for its entirety including paying the amount my co-borrower already paid when he settled his portion. I have also disputed the incorrect date of last payment with the credit bureaus multiple times over the past year. Navient continues to say the information being reported is correct despite having letters from them and the payment to Navient from my co-borrower bank account reflecting the XX/XX/XXXX payment was made by the co-borrower not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, authorize nor benefit from any of the following Inquiry. BLOCK AND REMOVE.

I recently reviewed my credit report and found unauthorized inquiries. These inquiries are Fraudulently.

I personally reached out to the below creditors and asked them did they have a verbal or signature on file of me as the original creditor and consumer giving any authorize of my credit card ( my Social Security card ) to be used or ran for any of these unauthorize inquiries, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose, which is in violation of 15 U.S. C. 1681b.

According to Section 604 of the FCRA, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following Inquiry are unauthorized : Block and Remove

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 2020-07-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today, XXXX XXXX, 2020 at XXXX PST I initiated a call to Best Buy / Citi Bank Credit Card XXXX XXXX XXXX to discuss my Best Buy charge card. I am in the middle of my first home purchase ever. Back in XXXX 2020 when COVID-19 lockdowns began I requested the COVID-19 Payment Deferral Request offered by Citi as a precaution. I ended up never needing the deferral plan and have made several payments since requesting it. When I called today, the first associate I spoke to told me there is no process in place to request removal of the deferral program. I requested escalation to a supervisor, who then escalated me to XXXX from the Executive Department. XXXX 's department has a separate phone line XXXX. XXXX confirmed Citi does not have the process in place to remove the deferral. I explained that the deferral plan is preventing me from being able to be approved for this first home purchase and reminded her that there was no verbal or written disclosure given in advance that the COVID-19 Payment Deferral Plan could prevent approval on other credit products. The absence of fair disclosure and the fact that a massive company does not have a simple procedure in place to protect consumers from negative credit reporting is why I am submitting this complaint. I am requesting direct follow up contact from the CFPB. I am reporting this in good faith. Not only should my request to remove the payment deferral plan be honored and confirmed in writing sent to me by email ( this need is extremely time sensitive ), Citi needs to establish this necessary procedure it is lacking to avoid further consumer escalations to the CFPB. I am asking Citi to remove the deferral so I can pay them interest sooner. Why they are disagreeing to this is up in the air to me. Due to the urgency of my request please contact me ASAP. I am in dire need of help getting this resolved. 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 2018-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My two business accounts were closed at Bank of America, with no warning and no explanation : o XXXX XXXX XXXX. # -XXXX approximately {$6000.00} balance o XXXX XXXX XXXX  # -XXXX approximately {$6000.00} balance I was told that they were legally allowed to do this according to the deposit agreement I signed when I opened my account 18 years ago, however they can not provide me with my signed copy.

For the past few weeks, I have spent various hours on the phone speaking with supervisors and have gone to my local branch and no one will give me any information.

I received a document for each account dated XXXX XXXX  2018 which states, Weve closed your account listed and any remaining balance wont be returned to you.

I have no access to my account, my money, or my bill pay information, and the various Supervisors Ive spoken with in the account closure department ( the number listed on the letter ) continue to say my account is under review, with no speculation as to when I will receive further information.

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 2021-06-01
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: SC
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 contacted Experian for three months about the SC Bankruptcy docket number XXXX which is in a dispute now and has not been removed I have prove that they contacted the source, XXXX XXXX that was reporting this public information that was not mine and XXXX deleted this information since 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 2021-06-01
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

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 2020-07-29
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: Information belongs to someone else

Complaint:
SOMEONE USED MY INFORMATION THESE ACCOUNTS ARE NOT MY ACCOUNTS THEY NEED TO BE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
USAA closed a brokerage account and mailed me a refund check. The check they sent to me was deposited in my bank account. The check was subsequently returned as 'Refer to Maker '.

XXXX  states the check was indeed returned.

USAA states the check was paid and will not do anything to help me recover these funds.

USAA mailed me a check for {$26.00} and the check was returned unpaid by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Ocwen Financial Corporation
State: CO
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 had a foreclosure that was closed on XX/XX/12 and the account shows a date of last action and closed as of XX/XX/12 but they are reporting new late pays every month.I have tried correcting this issue by contacting them and going to the credit bureaus but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-06-01
Company: JPMORGAN CHASE & CO.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
My Chase Visa Card number was taken by an ex employee who was fired 15 months ago. She charged {$250.00} of stuff for her and three weeks later donor charged {$3900.00}. They used my Visa Chase card on their Amazon accounts. The only reason I know it was an ex employee is because Amazon thought she was my wife when I called to ask about the charges. She charged {$250.00} and I believe my ex employee gave the card to someone else. I cant prove that because Amazon wont tell who used my card. Visa/Chase was told but the phone by Amazon that two other accounts used my credit cards. Amazon wont supply the names to them for fraud research. Chase requested a report from Amazon that showed my normal purchases from Amazon. Amazon send me an email with a link to pull those reports. Its an XXXX document but the document doesnt have my name on it and Chase wont except it. I cant even give the police the name of the person or the address who stole from me. Chase is making me pay {$5000.00} for products that I didnt purchase. Im asking for your help. My family cant afford this with Covid.

Company response to consumer: Closed with explanation