BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I had incident with American Express where I decided to terminate my dealings with them. I closed both credit card accounts ( one that has a credit balance, and they still have not refunded ), multiple savings accounts and requested 4 CD accounts to be closed. They sent me forms to close the accounts. I returned one for the account maturing XX/XX/XXXX, but never received the funds. When I called to inquire, they said they rejected the form because the account was in the wrong place. This rejection was never communicated to me. Although I have already submitted the required form, they state a new form must be submitted, and the account will now have closure penalties. I wish for american express to do as initially instructed and close the account as requested, and return my money, as well as to refund the credit balance on the credit card that has been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: GA
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 just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

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 2020-01-27
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I had a citibank checking account which I closed on XX/XX/2019. It is showing as account purged, I have no idea why it is showing as perged when i closed it voluntarily and I owed nothing to the bank. The bank needs to correct this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Social Finance, Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applied for a loan, got denied credit, which then resulted in an adverse action. I contacted SoFo Lending Corp. at their XXXX XXXX, UT location like instructed in the adverse action, never got a response. I have been discriminated and violated against, as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 hope that I am at the correct spot, for I have sent my complaint to all the places I was told to. 
For years I have been a victim of identity theft, I would file the paperwork and it would just get pushed to back and forgotten about. The last two years have gotten really bad with the identity theft. 
I was recently served with papers being sued by Capital One in the amount of {$3900.00}. I have talked to Capital One and XXXX XXXX Firm about the situation and advised them that this is not my account, it is fraud, and I reported it back in XXXX when I first saw it. Capital One stil says they can not find any actions of fraud as it is under my name and social security number. 
Back in XXXX Capital One did have a huge data breach, I am not saying that this is because of that, but I did let them know that even the external bank attached the account is not mine. I had never heard of XXXX XXXX I spoke yet once again with the sheriff 's department, got another case number for the XXXX time. I have filed all proper paperwork, and I am just tired of this all. Because I have filed so many times the officer just took a verbal statement and added it to the file so that I wouldn't have to fill out the paperwork again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Credit reporting 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 mailed letters to The Department Of Education Default Resolutions Center as well as Aidvantage demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX accounts disbursed in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.

Company response to consumer: In progress
Consumer complaint received 2023-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly PORTFOLIO RECOVERY ASSOCIATES  ACCOUNT NUMBER XXXX PORTFOLIO RECOVERY ASSOCIATES ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 a secured credit card with Capital One that was closed due to the account being restricted. They closed the account in XX/XX/2019 and requested that all 3 credit bureaus remove the 7 years of account history from my credit files. This is a violation of the Fair Credit Reporting Act. 

Although the account has been closed, the history should remain as reporting for up to 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: OH
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I reviewed a current copy of my credit report and show inaccruate information listed. Account name U S DEPT OF EDXXXX Account number XXXX is showing listed as a chargeoff and reporting an open balance in the amount of {$11000.00} which and open balance I understand due to chargeoff is a direct violation of FDCPA XXXX I have dispute this acocunt on a number times with no reply and it has been over 60 days which is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: STERLING JEWELERS, INC.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
NOT RESOLVED 1.0 Details When I financed my purchase for a bridal set they said my payment would be {$98.00} a month with the new credit promotion they were offering. When I went to pay my bill the following month the minimum payment due was upwards of {$200.00} a month. 

I went to the store to correct it and spent 3 hours trying to get the issue resolved. They said that the item was submitted incorrectly and they need to re-ring it under the right payment plan. However, because the payment was due I had to make it even though it was an incorrect amount otherwise I would be charged late payment fees. I refused to pay the higher amount. 

They also told me that I wouldn't qualify for lower monthly payments unless the amount charged to my credit card was at least {$3000.00}. They had to take off the sale price and certificates used on my original purchase so i could qualify for a payment I could actually afford. They also stated that the lowest minimum payment I would qualify for was {$110.00} a month, rather than the {$98.00} that was previously agreed upon. I reluctantly agreed. 

It's been 2 months now and the issue was never resolved. My payments have never been correct and I have been spent countless hours on the phone and in the store trying to fix this mess. Currently my payment shows {$220.00} a month and I've been charged a total of {$750.00} in monthly payment fees and late charges. I've now been reported to collections and this account is showing deliquent on my XXXX and XXXX XXXX credit report. 

The associates at the store say they can't help me and I need to talk to Kay Customer Service. 
Customer Service says they can't help me and I need to talk to the financial institution. 
XXXX XXXX says they can't help me and I need to have it corrected in the store.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Equifax and XXXX are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently discovered that my credit report with XXXX, Trans Union, and XXXX contain account transactions that I do not recognize. The information contained in the reports do not match any transactions made by me. I have also been receiving calls from creditors which I know nothing about. 

Because of this, I have filed an XXXX XXXX report. I never gave any written consent for any of the companies being reported to furnish any of my identifying information to credit reporting agencies. I also never gave XXXX, Trans Union, and XXXX any consent or authority to obtain and utilize my identifying information. The credit reporting agencies are supposed to take reasonable procedures to ensure that they have proper consent and authority to report a consumer 's identifying information. 

I am not happy that my identifying information has been compromised and that the credit reporting agencies have overlooked this. These actions are considered to be criminal and are completely unfair to me.

Company response to consumer: In progress
Consumer complaint received 2023-08-22
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone was taken and funds were sent from my Chime checking account to my XXXX account. Multiple transactions were made, 11 to be exact. Funds were then sent from XXXX to an unknown account, draining my account. All of these transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: BMW Financial Services NA, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In XXXX the lease on my BMW XXXX ended. I went to the dealership to lease a new vehicle however my credit score was low and I missed TWO payments on my previous lease so allegedly BMW Credit denied my lease application. I ended up buying out my lease and entering into a traditional car loan at 17 % interest. I was advised by the Dealership that the interest rate is determined by BMW credit, however when I contacted BMW credit I was advised that the dealer sets the interest rate. Additionally at the end of my lease I had {$3000.00} in charges left to pay however to this date I have seen absolutely nothing on paper itemizing those charges. Everything has either been verbal or just some numbers written on a piece of paper. 

I feel that BMW Finance and BMW of XXXX XXXX, MD took complete advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: IN
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief