BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Bread Financial Holdings, Inc.
State: NY
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:
I purchases two items from Express with my Express credit card ( ending in XXXX ) via Comenity bank on XX/XX/XXXX in the amount of {$99.00}. The order # was XXXX. It was a sweater and a pair of pants. I received the order and promptly returned the items on by creating a return label on the websites online portal on XX/XX/XXXX. I then received an email on XX/XX/XXXX stating my return had been processed and I should see the amount of {$99.00} refunded back to me within 7 business days. I did not receive the credit. I reached out to the the company on XX/XX/XXXX and XX/XX/XXXX, they told me to give it up to 3 weeks. I also called and opened a dispute via phone. I now recently received a letter closing my dispute as they claim to have no record of receiving the return, even though I have an email from them acknowledging the receipt of the return. I have also now been charged interest on these items, which they also assured me would not happen while my claim was being investigated. I have also now written them a letter with the attachments I have included here, including their acknowledgement of receiving the return. 
I want my credit of {$99.00} and the interest I was charged returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NJ
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. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2020-01-10
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.

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 2023-01-27
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a former customer of XXXX XXXX XXXX XXXX formerly XXXX  XXXX  for 17 consecutive years. I used their services at my various homes over the years without incident until I moved to XXXX, Fl. I followed the routine process to return equipment and tally up my account before transitioning to my new home. When I moved to XXXX, FL from XXXX XXXX, FL I decided to change providers and not continue with the XXXX  service. My new XXXX XXXX XXXX  ( XXXX  ) - XXXX XXXX XXXX began service on the date I terminated my contract with XXXX. There was no additional month or additional fees or equipment missing when I transitioned these services. I am XXXX years old and have owned and lived around the country ; obviously a mundane change in accounts is routine. 

However, XXXX billed me for {$230.00} claiming I owed this debt. I disputed this debt through numerous phone calls and correspondence explaining this debt is not legitimate ; and was assured each time ( by XXXX  initially ) it would be resolved. Instead, I was sent to collections and have been harassed by various collection agencies requesting written notice in 30 days to dispute the claim ( standard language used ) and have disputed each claim for these past 4 years. I have evidence of these communications, where the incidents are temporarily resolved to my satisfaction after tremendous effort and oversight on my part only to begin again when the debt is sold. 

This tactic of changing collection agencies and resuscitating attempts to collect on a fraudulent debt is harassment ; there is no other explanation after trying to resolve this issue in a reasonable manner. I am requesting your assistance as I have exercised my due diligence in resolving this concern since 2017 ; and I am going into my fourth year experiencing this harassment. I will not pay fraudulent expenses attributed to me that are not legitimate. I have an outstanding credit history and have always paid my debts on time. XX/XX/XXXXhas not exercised good faith and has certainly lost my good will for the barrage of incessant harassment towards me, a long-standing customer that responsibly paid each and every bill over numerous years and attempted to resolve this concern. I thank you for working with me and look forward to hearing from you. Regards.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: PA
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 did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: DE
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  Account # XXXX & XXXX  Account # XXXX have 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions 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 did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p & 15 usc 1028 ( A ) 1. 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 non-monetary relief
Consumer complaint received 2018-10-03
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX , XXXX Is not my account. The credit reporting agency continues to report it. I have disputed it 3-5 times. They refuse to delete it. I have never heard of the company nor have any knowledge of the company they represent. As a consumer, I am helpless I have no way of proving its a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XXXX I returned my leased vehicle to XXXX XXXX XXXX. I had the car inspected using their inspection company. When I got the final bill, the inspection amount was not accurate so my wear and tear insurance could not pay the claim. They notified me of this and I immediately notified XXXX XXXX and they said they would fix it and send me a new bill right away. I called almost every day for 2 months asking for the updated bill and was given the run around. Until FINALLY one day a rep sent me the updated bill via email. That same day the bill was paid by the insurance company. They noted on my credit report that my account was late 30 days. But it was late because of them!!! The amount they quoted and what the inspection company reported were 2 different amounts and they have to match in order for the claim to be paid. Not sure why they would not fix the bill and I had to call them 1000 times before it was done. They need to remove that late payment from my Trans union and XXXX account. I already spoke to a manager back in XX/XX/XXXX and he told me it would be removed from all 3 bureaus. It was only removed from 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 2021-05-05
Company: WELLS FARGO & COMPANY
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had issues with XXXX  for the last 10 years. They have recommended forbearance options which then added high interest rate fees to XXXX account thereby increasing my total amount fairly substantially. They were NOT willing to do an income driven repayment plan. I have sent multiple requests over the years and have not received a response. This is highly affecting my credit score and thereby affecting my professional life. I need this fixed ASAP!

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 2020-12-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Leased home from XXXX XXXX with co-applicant. Lease term was from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, I email company my 30 day notice to vacate. I moved out of the home XX/XX/XXXX. Rent was paid with XXXX  balance for XXXX and XX/XX/XXXX. My spouse and I were divorcing so he remained in the home and I relocated. He stayed in home until XX/XX/XXXX. XXXX XXXX filed eviction and later received a judgement against me for unpaid rent and violating lease in the about of {$3400.00}. They mailed the eviction and judgement notice to the home where I had moved from 2 months prior.and I was not able to present my case along with documentation to say this eviction and judgement has been filed in error. The later sold the account to FCO- Fair Credit and outsourcing who have added an additional {$3600.00} for what they are considering contractual damages for a total of {$7100.00}.

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: VW Credit
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint because I as a consumer went on the FTC and CFPB website and use the sample letter to dispute a account with VW Credit , INC, the Original Account # XXXX : VW CREDIT , INC Account # XXXX. I am filing a non-compliance complaint violations against the FCRA and FDCPA that I have a right as consumer to dispute anything on my credit and not get a response back that it is FRIVOLOUS., FRIVOLOUS like I can not do research and investigating to find out. Why the credit bureaus are violating my consumer rights by letting this company report inaccuracies and errors with wrong amounts of what they say I owe and different dates of when I open this account, last activity, and last payment. So, here are the violations as follower. No VW CREDIT THIS IS ME : XXXX XXXX XXXX asking showing you all the violations and misrepresentation you are reporting : I know from studying different agencies website that the creditors and collections companies pay the bureaus to report these items. I wrote to VW CREDIT INC letter of validation about this account but they laugh said FRIVOLOUS WOW. I wrote on XX/XX/XXXX and they received it on XX/XX/XXXX. I have the letter attached that I sent to them. That was the 2nd one they respond to both as FRIVOLOUS. So, since you guys think everyone can pay a credit repair company will I can not. So, here are the violations as followed : 1 ) FDCPA Sec. 807 ( 11 ) they never disclosed that it was a attempt to collect a debt. That is fine.

2 ) Reporting credit inaccurately to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX vs XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. This defamation and causing financial injury. 
3 ) They fail to report to the credit bureaus this account is being disputed. Protection under the FCRA Section 623 that {$1000.00} and higher. 
4 ) Reporting " Re-Age '' by reporting the date of the last activity instead of the date of first delinquency this Fine starting at {$1000.00}. 
This month the FTC, State and Federal law Enforcement Partners Announce Nationwide Crackdown on abusive Debt Collection. 
I maintain a careful record of my communications with you, should you continue in your non-compliance by not deleting this account item from my account. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Please delete this item immediately my finally good gesture. It is cause me harm financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Advanced Collection Bureau, 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:
Upon reviewing my account Im noticed that this account is still reporting. Letter requesting validation was originally sent XX/XX/2020. It appears that on XX/XX/2020 Advanced collection Bureau add a derogatory mark on my credit report per XXXX XXXX Upon, further research this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not Validate this collection. Also, there is no written form of communication, contract or signature this this accused debt at all. A Bill without a written signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, ADVANCED COLLECTION BUREAU has violated my rights as a consumer and Im request legal action to remove this account immediately. IVE ATTACHED A COPY OF CERTIFIED RECEIPT ALONG WITH LETTER RECEIEVED BY DEBT COLLECTOR FOR RECORD PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXXXXXX XXXX has changed its general purpose credit card from XXXX to Capital One. I paid my last bill in full three weeks before the due date. Capital One has charged me ( and likely every other customer ) a {$29.00} late fee, although I paid my bill in full. I think this is likely to have happened across the board with former XXXX customers of XXXX. They will waive the fee, but if they are charging hundreds of thousands of other customers, most will not notice the extra late fee! This could be very costly for XXXX 's customers, lucrative for Capital One, and very unfortunate that Capital One did not take a proactive approach to letting all of us know that the fees were applied incorrectly and should be waived across the board! 

I let Capital One know that I would be filing a complaint. Each of us should not have to make a call to the credit card company to get this resolved!!

Company response to consumer: Closed with monetary relief