BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
XXXX XXXX  account was disputed and removed in XX/XX/XXXX from my Equifax credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by XXXX the lender as accurate and updated monthly. Yet, equifax still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX GOLDKEY CRED XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very se GOLDKEY CRED XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2018-04-18
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello good morning I called us bank yesterday and explained my situation and family emergency to a wonderful guy whos name I forgotten but he was very nice as I spoke to him I explained that my grandmother had a recently XXXX as she was detected a XXXX   and some problems with her XXXX as a lot of things got complicated with her health. And that is the reason why I cant pay the overdraft fee that they charge me and that now my account is negative the gentle man was really nice and he said that unfortunately he couldnt help me out or proceed with any wave payment because the overdraft fee was still pending and could not allowed him to move forward and ask me kindly to call back the next day or 2 days after so that once the overdraft had completed posting I could call back and ask anybody else to help me. He would have done it him self if the overdraft fee was not pending still he understood my concern and most likely he would have waved he fee for me as he understood my situation and hat I could not afford to pay the overdraft fee and that I also never thought that he charity I gave to Church was going to be process with the check as soon as onlybone day wen it usually takes 3 days for a check to clear out

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 2019-03-02
Company: Premier Student Loan Center
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was contacted via cell phone and told that I could have my {$46000.00} in student loan debt settled for over 80 % less than what I owed. I was to pay a fee of {$1000.00} first, then I would pay {$30.00} each month for the next 30 years, and then the rest of my balance would be forgiven. I took that to mean each month the {$30.00} that were being directly withdrawn from my checking account was going towards my loans. That was not the case. XXXX had not received any of the money I had paid, and I was near having my loans go into default. I paid Premier student loan for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few months I sent a letter to portfolio recovery stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from Portfolio informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from portfolio which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: JPMORGAN CHASE & CO.
State: KS
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:
A charge from XXXX XX/XX/XXXX was charged to a deceased person 's account. This individual has been deceased for over seven months. Her daughter ( me ) handling her affairs was unaware of the card 's existence until the statement was received in the mail. Upon calling XXXX I was unable to provide them with necessary information to locate the account nor reverse the charge. 

I called the credit card company and they refused to reverse the charge because the card was " closed after the charge occurred. '' Their estate department claimed they would proceed in trying to collect on this charge. While only {$120.00}, I find this ridiculous and appalling. How can you charge a dead person? 

I hope you can help, because the hour I spent trying to talk sense into them did not work. This all occurred today, XX/XX/2019 around XXXX. I spoke with XXXX initially who referred me to the estate team. XXXX in estate services. 

XXXX XXXX, supposedly a supervisor for XXXX, who gave me an id # XXXX who said that they would reverse the charge and transferred me to their dispute department. XXXX in XXXX, TX in the dispute department who said they would not reverse the charge, dispute the charge, and initially tried to say the account wasn't closed, and then said that the account was closed after the charge occurred therefore making the charge valid. XXXX refused to transfer me back to XXXX and stated that the id # given meant nothing. XXXX refused to transfer me to a supervisor. 

All names and information given about the people is all they would tell me. I did call back and speak to a random operator in the call center who verified that XXXX meant nothing to them and could not get me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Cascade CISS Holdings, LLC
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX my credit got pulled 5 different times without my consent. 





Credit Plus  XX/XX/XXXX XX/XX/XXXX Hard pull without consent or communication with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Earned XXXX in reward balance on this card. Got no advance notice of account closure due to inactivity, just after it was already closed. Please reinstate my account, or at least reinstate my rewards, so I can redeem them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
ftc violations 

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 2023-07-03
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2019-03-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a XXXX point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
SUMMARY : BANK OF AMERICA REFUSED TO TIMELY DEPOSIT MY BENEFIT FUNDS FROM THE CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT INTO MY ACCOUNT, AND IS ALSO REFUSING TO COMPENSATE ME FOR LOSSES DUE TO THAT FAILURE. 

DETAILED NARRATIVE : THE CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT ISSUES BENEFIT PAYMENTS VIA A BANK OF AMERICA PREPAID DEBIT CARD. THE PREPAID DEBIT CARD PERMITS FUNDS TO BE DEPOSITED INTO A SPECIFIED CHECKING ACCOUNT ON DEMAND VIA ACH. 

I INITIATED AN ACH FUNDS TRANSFER VIA THE WEBSITE ON FRIDAY, XX/XX/2019, BUT BANK OF AMERICA REFUSED TO COMPLETE THE TRANSACTION. I AGAIN TRIED ON XX/XX/2019. BANK OF AMERICA AGAIN REFUSED TO COMPLETE THE TRANSACTION. 

I CALLED THE PHONE NUMBER ON THE BACK OF THE CARD TO REQUEST THAT THE TRANSFER BE COMPLETED. THE REPRESENTATIVE ALSO REFUSED TO INITIATE THE TRANSFER, STATING THAT THERE IS A MAXIMUM DOLLAR AMOUNT THAT CAN BE TRANSFERRED IN A SEVEN CALENDAR DAY PERIOD. 


A DOCUMENT ENTITLED " CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT DEBIT CARD ACCOUNT AGREEMENT '' WAS PROVIDED WITH THE PREPAID BENEFIT CARD I RECEIVED. I CAREFULLY REVIEWED THIS AGREEMENT IN ITS ENTIRETY. NO SUCH MAXIMUM DOLLAR AMOUNT PER SEVEN CALENDAR DAY PERIOD LIMITATION IS SPECIFIED IN THE ACCOUNT AGREEMENT FOR ACH TRANSFERS. THE ONLY DOLLAR AMOUNT PER TIME PERIOD LIMITATION SPECIFIED IS A DAILY {$1000.00} ATM LIMIT. 

I SPOKE WITH THE REPRESENTATIVE 'S SUPERVISOR, XXXX XXXX IN XXXX TEXAS. XXXX CONFIRMED THAT BANK OF AMERICA WILL NOT COMPLETE THE ACH FUNDS TRANSFER I REQUESTED DUE TO A SEVEN DAY TRANSFER LIMIT, DESPITE NO SUCH LIMITATION APPEARING IN THE ACCOUNT AGREEMENT. 

I ALSO REVIEWED THE ACCOUNT AGREEMENT WITH XXXX. I EXPLAINED THAT SECTION 12 OF THE AGREEMENT STATES : " IF WE DO NOT COMPLETE A TRANSFER TO OR FROM YOUR ACCOUNT ON TIME OR IN THE CORRECT AMOUNT ACCORDING TO THIS AGREEMENT, WE WILL BE LIABLE FOR YOUR LOSSES OR DAMAGES. '' I ASKED WHETHER BANK OF AMERICA WOULD COMPENSATE ME FOR MY LOSSES, INCLUDING LOST INTEREST. 

XXXX DID NOT AGREE THAT BANK OF AMERICA WOULD COMPENSATE ME FOR LOST INTEREST FOR FAILURE TO COMPLETE THE REQUESTED ACH FUNDS TRANSFER ON TIME. HE FURTHER DID NOT PROVIDE ME ANY OTHER WAY TO REQUEST SUCH COMPENSATION. 

I INFORMED XXXX I WOULD BE FILING A COMPLAINT WITH THE CFPB, DUE TO BANK OF AMERICA 'S FAILURE TO COMPLY WITH THE ACCOUNT AGREEMENT. 

AT THE END OF THE CALL, XXXX OFFERED TO PUT ME IN TOUCH WITH A SEPARATE DEPARTMENT WHICH WOULD OPEN AT XXXX THE FOLLOWING DAY, WHO MIGHT BE ABLE TO ASSIST ME FURTHER. I GAVE HIM A CALLBACK NUMBER, AND WE MUTUALLY AGREED THAT I SHOULD EXPECT A CALL BACK BY THE MIDDLE OF THE NEXT DAY. 

I DID NOT RECEIVE THE RETURN CALL AS EXPECTED.

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 2018-04-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am repeatedly being telephoned by XXXX XXXX with threats of action to collect a vague debt. They often threaten legal action or other steps to resolve the matter. I have never had any type of business with XXXX and have stopped doing business with companies that use them. Despite repeated attempts to get them to stop, they continue to call me multiple times a day. I understand that this is common behavior for this company. This abusive behavior needs to be stopped. Their tactics likely scare people into paying debts that arent theirs. I hate to think of the damage they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions 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:
I HAVE DISPUTED THE INQUIRIES BELOW SEVERAL TIMES AND I KEEP GETTING REPLIES BACK THAT THESE ITEMS HAVE BEEN VERIFIED AS ACCURATE. THESE ITEMS ARE KEEPING MY CREDIT SCORES LOW WHICH IN TURN IS AFFECTING MY OPPORTUNITY TO GET DECENT RATES ON A PENDING HOME PURCHASE. 

1. XXXX XXXX XXXX XX/XX/XXXX UNATHORIZED INQUIRY 2. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 3.  XXXX XXXX - UNAUTHORIZED INQUIRY 4. XXXX  - XX/XX/XXXX - UNAUTHORIZED INQUIRY 5. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 6.  XXXX XXXX - XX/XX/XXXX -, UNAUTHORIZED INQUIRY 7. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 8. XXXX XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 9. EXPERIAN XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 10. XXXX XXXX - XX/XX/XXXX - UNAUTHORIZED INQUIRY 11. XXXX  XXXX XX/XX/XXXX UNAUTHORIZED INQUIRY

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 2019-08-20
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX, I mailed a letter to Equifax informing them I was a victim of identity theft. I provided copies of my FTC Identity Theft Report and notarized Identity Theft Affidavit ( including reference to police report filed on XX/XX/XXXX ). I notified Equifax that as a result of the identity theft, fraudulent items were appearing on my credit report : 2 charge-offs reported by XXXX XXXX XXXX. I stated that these derogatory items were not related to any transaction initiated by me. In accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested Equifax to permanently block these charge-offs and collections from my credit report immediately. 

I received a response from Equifax dated XX/XX/XXXX. It was a letter stating " the results of the dispute you recently filed with Equifax are now complete. '' Under the investigation results section, Equifax indicated they had researched both XXXX XXXX XXXX accounts and " verified that this item belongs to you. '' I was alarmed that Equifax had treated the identity theft as a standard dispute, and called them for clarification. Equifax told me that regardless of federal law, their process is to contact the information furnisher ( XXXX ) for " verification '' of the accounts. This is completely unacceptable, and Equifax is in willful noncompliance of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A debt collection agency is reporting a collections account for an account that was paid in full. There was a previous collection agency which tried to report the same account as collections. I submitted documentation proving the account was paid in full. The negative information was removed from my account. A new collection agency is now claiming the same debt as collection. I have disputed with Experian, and they are telling me the debt is valid, but I paid the debt over a year ago, and this collection agency 's claim is less than 6 months old.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 explanation