BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have TRIED numerous times to get the Credit Card Account { XXXX XXXX XXXX XXXX XXXX XXXX } REMOVED/DELETED from my Experian Credit Report -- SEE ATTACHED. Additionally, this INACCURATE Credit Card Account information is also being reported on my XXXX and XXXX Reports. I have disputed it numerous times with ALL THREE Credit Reporting Bureaus/Agencies , and with XXXXXXXX XXXX XXXX XXXX  XXXX but CAN NOT get any RESOLUTION. This Credit Card Account contains INACCURATE conflicting information. By Law, Information on Consumer Credit Reports is suppose to be ACCURATE.

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 2021-06-26
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until JXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXXXXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX  XXXX, TX XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$760.00} Status Account charged off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$34000.00} Status Open. 

XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I filed a dispute in regards to incorrect items listed on my credit report. It has been well over 30 days and I have not received any investigation results. I demand that these items be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/ with a balance of {$10000.00} -This is not my account.

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: BTH Management
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I writing because I pull my credit on XX/XX/XXXX found out about this collection from Plaza Services Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter Plaza Services they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 
1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 
2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 
3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b XXXX FTC opinion letter XXXX from XXXX. 
Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a frost bank debit card and apparently someone had opened an account in that name with that financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've wrote several times about the accounts that are listed on my credit report but I am not getting any where. I am a identity theft victim my personal and financial information was stolen years ago which I've had a fraud alert placed on my report but its removed after a couple years. I did not authorized the accounts listed.

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 2018-03-05
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I sent a letter requesting debt validation to Meade and Associates, a debt collection company. The original creditor is XXXX XXXX in XXXX, Ohio. I received a response back from Meade and Associates on XX/XX/XXXX with a statement attached to their letter demanding {$3100.00}. I noticed on the statement alleging that there were two columns - one for 'Debits ' and one for 'Credits '. There are items in the debit columns that show money owed to the school. However, on the last page of the statement, it shows on XX/XX/XXXX as the date that the last account activity occurred. Then on XX/XX/XXXX there is an 'account adjustment ' that appears out of the blue in the credits column in the amount of {$3100.00}. This would appear that I am owed the {$3100.00} or that the account was credited in that amount. I have serious reservations as to what this charge is for as it appears on the account, out of the thin air almost 16 months later. This seems like it was more of an 'account adjustment ' to put a little more coin in their pocket. Meade and Associates did not provide adequate validation of a debt and are reporting this debt on my credit files through the major credit bureaus. There is no financially sensible person who is going to pay that amount of money without validation. That is why financial laws, FCRA, and FDCPA exists. That is no different than a bank loaning someone {$20000.00} for a car and 16 months after the customer pays it off, creating some exuberant balance and telling the customer to pay it or it goes on your credit. XXXX XXXX has a history of this and if any research is done via XXXX and keywords ; XXXX XXXX, Payments, and Reviews, one would find a multitude of past and present students who claim to be scammed by this school. 

Furthermore if a debt can not be validated or is erroneous in nature than it is to be removed from the consumers credit files with XXXX, XXXX, and XXXX under [ 15 U.S.C. 1681s-2 ] FCRA Sect. 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) which is stated as such : FCRA Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
COMPLAINT TO BANK OF AMERICA : I am writing to let you know that because XXXX XXXX XXXX XXXX Department refused to take my case as a fraud transaction I lost {$63000.00} on my XX/XX/2017 transaction. 
I just show evidence below which is the letter from XXXX XXXX Bank to response my request. The letter is attached for your review. 
In the letter, XXXX XXXX Bank said :. Upon receipt of your letter, XXXX made several attempts to speak with XXXX XXXX XXXX XXXX Department in an effort to obtain additional information about the transaction ; however, we have not been successful as of the date of this letter. 


You can get the detail info about this fraud transaction from my other two complaints.

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 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern : I bought my home on XX/XX/XXXX. The seller had a payoff with First Franklin Financial Corp which was collected on the XXXX at the closing. Fast forward to today. I am now selling my home and it is under contract and our closing date was XX/XX/XXXX, however has been prevented due to this issue. The current title company has been trying to get a lien release from the previous mortgage company and or a cancelled check from the previous closing title company XXXX XXXX XXXX law firm ( XXXX XXXX ) in XXXX Ky. The law firm refuses to give the cancelled check that is proof the loan was paid off and the mortgage company refuses to send a lien release. Here is the problem : First Franklin Financial CorpXXXX no longer exists which was the previous sellers mortgage company, Bank of America now owns First Franklin. I need to get this resolved in order to close on the sale of my home. 

First Franklin Financial Corp., a subsidiary of XXXX XXXXXX/XX/XXXX Loan No. XXXX. ( There is a XXXX at the end, but I do not believe this is a part of the loan number. ) Bank of America phone number is XXXX, with reference number XXXX. 

Please note we do not have a Bank of America account number. 

This is added information to the prior complaint that I have filed on XX/XX/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 2020-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4400.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.

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 2019-07-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting incorrectly to Equifax ; XXXX and XXXX  a collection in the amount of {$4700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX XXXX card. The date of last activity on this account was XX/XX/2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: COOLEY ENTERPRISES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE TRIED TO RESLOVE THIS MATTER WITH XXXX XXXX FOR SEVERAL MONTHS. I HAVE SPOKEN WITH SEVERAL REPS THERE AS WELL AS A SUPERVISOR SO HE SAY. MY CAR WAS PAID OFF WHEN I TRADE IT IN. THE PAY OFF WAS COMPLETED XX/XX/2017 YET THEY STILL HAVE NOT MADE THE PROPER ADJUSTMENT TO MY ACCOUNT. MY CBR 'S STILL REFLECTS A BALANCE OF $ XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-26
Company: Bread Financial Holdings, Inc.
State: PA
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 funding is the collector the amount they say owe is XXXX it shows it was open XX/XX/XXXX and its a debt from XXXX XXXX that was open on XX/XX/XXXX for a balance of XXXX and also Im a man I dont shop at XXXX XXXX Ive never been there to open the account but it was also open fraudulently I did not open this account or any account associated with this account nor do I have any knowledge of this Ive disputed this contacted the collector to tell them it isnt me who open this account and did not authorize this account or any account associated with this collector they are violating the fair credit reporting act by leaving these fraudulent accounts on my credit report I didnt authorize and trying to get money out of me for a fraudulent account Ive reported and disputed as fraud i would like this removed from my credit report unless they can find the original copy of the agreement with my signature I know they dont have because this isnt my account I wasnt even using my credit in XXXX I just recently started to build credit in XXXX so there is no possibility that I open this account because Im just establishing credit so it could not have been me it wasnt me and I just want these account removed from my report unless these companies can prove without a doubt that I open these accounts and Im sure they can not provide those things there are no payments made to these accounts so whoever open these accounts had no intentions on paying because it wasnt link to them it only affected me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved into a new apartment in XX/XX/2020. I had XXXX cable TV and Internet service installed on XX/XX/2020. The internet never worked from the day it was installed. I called customer support and they had 5 different technicians over to the apartment to try to fix the internet service. The service techs indicated that this particular building is a " known problem '' to XXXX and many other residents also experienced the same problem, namely no internet service. As this was over the covid crisis and I was required to work from home and required to use the internet for my job function, I was financially harmed as my employer refused to pay me since I could not get my work done online and had to drop off work files instead which my employer could not eventually use. I was financially harmed and lost income of over {$15000.00} during the two months the internet did not work. XXXX kept promising to adjust the bill and credit my account for {$120.00} each full month that I was billed for internet. I called XXXX over twenty times to speak to a billing manager but was always advised that no one was available and was assured that a billing manager would call back to properly adjust the bill for the lack of internet service. I never received any response from a XXXX representative or billing manager. I request a credit of {$300.00} for the internet service that I never received, yet XXXX continued to bill me for. I terminated XXXX on XX/XX/2020. I called XXXX XXXX and they installed internet service for me that has worked perfectly since it was installed. See attached work orders for XXXX technicians that were never able to correct their failure to provide internet service. I am being harassed by Sunrise Credit services, a collection agency that XXXX is using to collect the fraudulent charges they have billed me for. I never received internet service, yet XXXX continued to bill me and refused to issue a credit. I believe this constitutes consumer fraud and respectfully exercise my legal rights under the Fair Credit Reporting Act. 

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 2023-03-26
Company: EQUIFAX, INC.
State: MD
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:
The following companies show inquries on my credit report without my knowledge or authorization:

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation