BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
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: Investigation took more than 30 days

Complaint:
I mailed Experian my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681. I am entitled to {$1000.00} per violation.

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 2021-07-16
Company: CL Holdings LLC
State: AZ
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 found several addressed several misspellings and several things on my credit that r not mine and they remain I called the company and told them to prove that I did it and call me back which they never did my phone number is different now its XXXX Also I had a fraud alert from XX/XX/2020 bcuz I knew someones been using my identity and their r many hard inquiries and things after the fraud alert was placed that shouldnt b there bcuz no one called me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: 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 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a Checking account with Bank of America, there was a fraud with the account with cash app, I reported to them and my account is closed since XXXX. I kept calling BOA to see when the check was going to be mailed out, they stated I had to wait until the claim is over, which they said it should be over at the end of XXXX, I called them again they push it back to XX/XX/XXXX, I called them on that same day, the representative told me that my check should be mail out that same day, she then told me to call back the next day. I called back the next day which is today, now they are saying I have to wait until XX/XX/XXXX & possibly XX/XX/XXXX. Thats crazy, I need my money please help me, Im broke and they playing with my money, they are going to keep pushing the date back, feel like this is all a scam, I believe its probably nothing left to do but to sue them or something, please help me p.s All the representatives i spoke to is stupid & need to get fired 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 monetary relief
Consumer complaint received 2018-05-19
Company: Aswad & Ingraham, LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Thursday, XX/XX/XXXX I was served at home with a subpoena titled from the XXXX County Court commanding me to appear at XXXX XXXX XXXX on XX/XX/XXXX and signed by XXXX XXXX XXXX XXXX, XXXX. of XXXX and XXXX regarding a XXXX judgment. I am too ill to travel and had explained this to XXXX XXXX XXXX XXXX and XXXX in writing in back in XX/XX/XXXX after he had me served with a subpoena on XX/XX/XXXX. I sent a motion to the XXXX County Courthouse on XX/XX/XXXX to quash. The XXXX County judge called me at home and in a three way conference call with XXXX XXXX XXXX XXXX and XXXX granted my motion to quash and stated that I did not have to appear regarding this matter. XXXX XXXX agreed. 

I called both the XXXX County Courthouse and the XXXX County Clerk on Friday, XX/XX/XXXX. Neither of them had any record of this XXXX subpoena and stated that the XXXX subpoena had been withdrawn on XX/XX/XXXX. I faxed the XXXX County Courthouse a letter and the XX/XX/XXXX subpoena on Friday, XX/XX/XXXX for their records. 

Because of being served the XXXX subpoena on Thursday after the XXXX subpoena had been quashed by the XXXX County Judge and withdrawn and previous asking multiple times for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to cease and desist all contact with me, I filed complaints with your Attorney Grievance Committee, the New York State Attorney General 's Office and now with CFPB.

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 2018-10-19
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a credit card with XXXX XXXX, provided by XXXX XXXX. I've had this card since XX/XX/2017 and received several increases and had those increases then taking away because the bank is stating I should have never received them because they were done manually. when the the bank constantly does this it takes a big hit on my credit score and it's very shameful to try and make a purchase and later find out during check out the funds have been taken away. one minute my limit is XXXX the next XXXX and now XXXX. I have always paid my credit card bill on time never late not once and the bank has even stated I have a excellent payment history with them. This bank is horrible not only with constantly decreasing credit limits but also stating you have other accounts with them that you never opened in your name. A couple months ago I contacted them about an account I noticed on my credit report called woman within and told them I never had an account with his company and the charges were not mine, they still have not removed this item from my credit report. I'm at all wits end ... ... .. I Don't understand how this is considered acceptable. Another thing that really bothers me is, when they decrease the limit I call to bring it to there attention, they then say if you agree to apply for an increase we can do an application to see if we can approve you. The sad thing is, when you choose to agree to that it lowers your credit score. When in fact if they would just leave your limit where it is, you wouldn't be calling in the first place!!!! I Have other credit cards and never have this problem with them going back and fourth on my limits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: ID
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 amount {$220.00}. This is not my account. I have disputed with XXXX, XXXX, and Experian and the company who says it's my debt and never heard back. The credit agency says it mine but I have no knowledge of this 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-09-27
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these companies to run credit, this is fraudulent.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: MA
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've already sent a letter to the creditors to remove the late payments and they have not abided by what i requested and they also violated my consumer law because they never gave me the option to Opt out from reporting this information to a third party via 15 us code 6802 XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-09-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They clain this is a debt that I owe from XXXX that was charged off in 2009 that would be 14 years ago which I know is past the statute of limitations I responded with an email that it is past and that I would not have any records that far back anyway so leave me alone but they keep sending emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
several credit card accounts opened in my name without my permission and charged up XXXX XXXX XXXXXXXX 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 2023-02-24
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:
Requested method of verification multiple times of Bankruptcy ( never received, also sent proof that this was not verified but still reporting on credit report inaccurate and damaging my credit as well as potential jobs. 
Late payments and collections reporting inaccurately however investigation of inaccuracies refused which is time consuming and damaging, reports filed one XXXX against companies already. 
However at this time I am requesting a complete and through investigation of these accuracies with information on the verification of the damaging 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 2021-05-17
Company: Phoenix Financial Services LLC
State: AL
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 didnt find out that my identity had been stolen until XXXX of XXXX, it was stolen in XXXX. The person was caught using my identity and is now in XXXX for numerous other crimes. 

I contacted Phoenix financial over a week ago and theyve yet to remove this fraudulent account. Please have them to remove this immediately. I also have the police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Bread Financial Holdings, Inc.
State: CA
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 was contacted by XXXX on XXXX/XXXX/XXXX concerning charges that they identified as potentially fraudulent in the amounts of {$59.00} and {$400.00} and I confirmed that these were, in fact, fraudulent. They closed the account and I thought that would be the end of it. A couple of weeks later I went in to find that the charges were in fact still there and I was told that I needed to contact the fraud department to get them removed. I did this twice -- only after the second time did they send me the necessary paperwork to remove these charges. I returned the paperwork and checked back a week later to find that not only have the charges not been credited but that they had erroneously CHARGED me for the amount that should have been credited. Additionally, the date of the charge had been backdated as this had n't been processed until at least the second week of XXXX but the charge was datedXX/XX/XXXX. This left me now with an outstanding balance of {$910.00} -- double the amount of the original fraud -- with the second charge having a fraudulent date of XX/XX/XXXX entered by XXXX XXXX. 

I discovered the error on Monday, XX/XX/XXXX and called and after speaking to three people on that call was told that the matter would be resolved immediately and I should see the charges gone by the next day. It is now Friday, four business days later and it is still not resolved. When I called, it appeared that it was n't resolved on Monday and that I needed to speak to the fraud department again. At this point, I have spent close to 4 hours not only attempting to resolve the original fraudulent charges but also the erroneous and fraudulently dated double charge from XXXX. At the time that I am writing this, the issue has not yet been resolved. 

There has been no good faith effort on their part to resolve the issue and if I were n't someone who frequently checks their accounts, this easily could have resulted in additional penalties. While I understand that errors do occur, their lack of effort regarding resolving the issue that they created is my primary complaint. I have had other cards fraudulently charged and the issue remedied in 24 hours. We have now gone over a month and not only has n't the original problem been solved but I was then fraudulently charged ( not just in error as it was also falsely backdated ). I was told today that this should now be resolved and I will check again next week but wanted to ensure in the meantime that a ) no one else would have to go through this, b ) be refunded the full amount of my annual fee of {$150.00}, and c ) receive payment from XXXX in the amount of {$380.00} ( my billable rate of $ XXXXhr x 4.5 hours the time spent resolving this ) at MINIMUM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX, XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, EQUIFAX 8 times in one day, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, STATE OF OHIO XXXX, IRS- INQURIES- XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX  sc XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sc XXXX, XXXX XXXX XXXX OPENED  XX/XX/XXXX using my name at XXXXXXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, DOB- XXXX XXXX XXXX XXXXXXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX HOUSING AUTHORITY REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX BILL FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXXXXXX XXXX FOR A MEDICAL BILL NOT MINE, SCDSS accused me of snap XXXX but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi paypal, Now without any reason another limitation has been place on my account. 
This situation is really embarasy. 

But let me remind to you about you said the last time about to enable the option for withdraw my money. 

XXXX READ THE ATTACH DOCUMENT. 

I DONT NEED TO WAIT XXXX  DAYS AGAIN!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: VT
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 violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 conviction of crimes which antidates the report by more than seven years.

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

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 2023-07-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 I received a letter from Bank of America for an application for XXXX  XXXX XXXX XXXX card. Claiming I applied for the card and that I contact them within 30 days or call. Claiming they carefully reviewed my application and credit report ( s ). 
I applied for a credit card a couple of months ago but not the XXXX  XXXX XXXX XXXX card. I will notify all three credit report agencies today to report this as well.

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