BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting inaccurate, false, and unverified information to my consumer report which is defaming my character and causing me to be denied credit. I have disputed this information with the company before and this company is ignoring my requests.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In reviewed my credit profile I noticed several inaccurate, incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, section 611 ( 5 ) ( a ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or that can not be verified. 

The FOLLOWING derogatory accounts listed below are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete I demand that the accounts listed above be VERIFIED for accuracy, and if UN-VERIFIABLE ; be immediately REMOVED/DELETED from my credit file. 

Furthermore ; to ensure that a trusted process was used to VALIDATE this allegation, I demand that you provide me with the complete comprehensive copy of the ORIGINAL CONTRACT with my WET SIGNATURE and any other document obtained from the consumers/creditors/vendors listed above showing and/or confirming that these accounts are mine. 

INQUIRIES MADE DUE TO IDENTITY THEFT and/or THE INFRACTIONS MENTIONED ABOVE are as follows- TO BE REMOVED/DELETED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my consumer credit report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2023-03-01
Company: Block, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
There where 2 transactions that posted to my cashapp account on XX/XX/XXXX for a total of XXXX dollars I requested a refund for both transactions and the refunds where denied I tried to contact cash app support they have denied my disputes both times so I now want to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America Attention XXXX XXXX XXXX! 

XXXX XXXX XXXX I really appreciate you taking your time to investigate this ongoing issue that you and I have had but your office keep on saying that you are investigating there is nothing to investigate I have sent you all the necessary factual base dispute information showing that your company is reporting false information on a credit report in your office is acting very reckless and willful. I asked you to view the attached files with a side by side credit report with XXXX XXXX XXXX XXXX The account is only showing on XXXX as XXXX and XXXX has long since deleted the false and inaccurate reporting that you are doing. And this proves that you are acting willful and very reckless reporting! There are laws that your company must follow its the rule of law. 

You stated on XX/XX/XXXX the date of late active was obtain on the report. How is that so when the bankruptcy wasnt XXXX until XX/XX/XXXX. Right here shows that your information is false There was no payments made on XX/XX/XXXX so therefore your office is reporting false information about me. Also in your letter thats dated XX/XX/XXXX you indicated that the account was open on XXXX XXXX but however based on the credit report you are reporting that the account was open on XXXX please send me the credit application that was used on XX/XX/XXXX to open the account on XX/XX/XXXX! Based on what you been reporting since XXXX Also this account has been in dispute for 6 months or longer you are in violation of FCRA 623 you know that you have to enter these remarks are required if not it can not report on the credit report. Within 30 days of the first dispute. XXXX XXXX I need you to remove this account from experian immediately or consequences will take place Im warning you the summons attached to file has nothing to do with you but Im showing you Im coming after your company if the false information isnt removed in 10 business days Im not playing! 



Thank you 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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capitol One is reporting 2 accounts on my consumer reports as Charge Offs. 2 are prior credit cards ( Cards ending in # XXXX and # XXXX ) that were closed and charged off by the company without any written consent from me or written notice from the company. Per the IRS anytime a debt is charged off, the company is supposed to issue a 1099c form to the consumer so that the consumer can report this information on their taxes as income. By having to report it as income means this is now considered a debt turned income once the company decided to charge off the debt. Income is not allowed to be reported on any consumer report, therefore both accounts with Capitol One should not be reporting on any of my consumer reports as any type of charge off account. This is illegal to report. They are tarnishing my reputation and negatively affecting my life. My credit is also negatively affected due to their false and misleading reporting of the alleged accounts hindering me from obtaining any goods and services without being discriminated against due to having negative accounts being reported on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: VT
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 tried contacting the creditor directly by mail and they wont solve or provide any information by mail, and experian was contacted XXXX  times already to provide original contract or delete and that account still shows in my report.

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 2023-03-08
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is my 3rd attempt to remove this debt collection from my credit report. 
XXXX XXXX XXXX has sold my XXXX collection to re-collectors, again and again. 

As stated on my credit report, my vehicle was repossessed in XX/XX/XXXX, and do not own a vehicle to date. 
I did not have XXXX insurance in XXXX, XXXX. XXXX, XXXX. 
Please make them provide original or copies of this XXXX policy. ACCT # XXXX I had Progressive Insurance in XXXX. This is a re-collection, sold to a debt collector, that was deleted for {$400.00}. 
Please make them stop this re-collection practice. Thank you kindly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I initially placed an order with Women Within catalog back in XXXX of 2022. The item was too small and was returned via their return slip in the package and taken to the post office. I received a notification the item was received by the company and requested an exchange for a larger item. I was billed for the product that was returned after the fact and then also issue a credit for the item which I could not use because the company stated that they were not familiar with the gift card that was sent to me via their company. The second item came and I was totally dissatisfied with the way the company handled the first order and I decided to return the second order which I returned via happy returns which is a company that apparently Woman Within uses. I have receipts to show for both returns as well as other communications via email but I am continuing to get billed for these items and now have been put in all three collections agencies for a total that does not even add up to what the initial items cost. I am so disappointed with this agency which is XXXX Bank. Upon looking at credit ratings for an amount not compliant with their billing statements. It was after the fact I noticed that this company has very poor ratings which seem that all customers have the same issue that I am having they are being billed for items that have either been returned and or reported to a credit bureau I would like to expose this company for false practices and also the fact that they are unwilling to solve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: VA
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 and I am filing this complaint for falsely reporting misleading information.There is no XXXX  party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: WA
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 submitted a dispute with Experian on XX/XX/XXXX and requested a thorough investigation into a medical collection reported by XXXX XXXX XXXX  for {$370.00}. This collection does not belong to me. The dispute was submitted late on a XXXX  XX/XX/XXXX and the results were verified and updated by early XXXX  XX/XX/XXXX. Per the Experian site and the FCRA, credit bureaus are required to investigate thoroughly and it typically takes 30-45 days if Experian has to collect information from a third party. How was this collection thoroughly investigated from XXXX  XXXX  to XXXX  XXXX? It wasnt!! 

Furthermore, if Experian isnt willing to delete the false collection from my credit report, I demand to see all documents from their investigation process. Im certain they didnt investigate properly or they would have realized that collection is not mine They are having to delete any medical collections under {$500.00} this year anyway. Their failure to correctly investigate is only wasting everyones time *see below for the notifications from Experian which show the date submitted and the day results were available *also note their request for 30-45 days in other screenshot

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 2023-01-19
Company: Bread Financial Holdings, Inc.
State: TX
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:
Sequence of Events : On XX/XX/2023 I have received a notification that a new inquiry was made on my XXXX credit report and when checked I see a new hard credit enquiry was made by XXXX XXXX COMENITYXXXX XXXX  XXXX But I have never requested for any new card or loan and never gave access to anyone to place a hard inquiry. On checking XXXX found out that it was from XXXX beauty from Comenity bank and called them and raised a complaint and requested for cancellation of the new application which was done by a fraud person. 

On XX/XX/2023 called XXXX credit bureau and requested them to place a freeze on my credit and it was done successfully. 

After realizing that credit freeze needs to be placed on the other 2 credit bureaus as well.XXXX On XX/XX/2023 called both XXXX and XXXX to place a freeze, I was able to place a freeze successfully with XXXX but XXXX I was not able to place a freeze due to address mismatch. 

On XX/XX/2023 received a notification that a new inquiry was made on my XXXX credit report and when checked I see the new hard credit enquiry was made by XXXX XXXX COMENITYCAPITAL/XXXX  Not sure if this is different to the hard enquiry made on XX/XX/2023 COMENITYXXXX XXXX XXXX Looks like both are from COMENITY bank but different products. I have never requested for any of these products and still hard enquiry is placed on my credit. 

On XX/XX/2023 created a XXXX accout online and placed a freeze on my credit and and also disputed the hard inquiry made by COMENITYCAPITALXXXX on XX/XX/2023. 

So finally I was able to place a freeze on all my credit bureaus but not sure why this is happening with COMENITY bank itself as I see both of the hard inquiries places are with COMENITY. 

Can you please investigate and guide me further on next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I attempted to assume a lease with BMW financial services. I was required to submit a {$500.00} assumption fee. They had me waiting for 2 months and cancelled my assumption and are refusing to refund me my assumption fee. They said to give them the last XXXX of the card used but that transaction was made 2 months ago and I dont have that card anymore. They are being dishonest and wont give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm now at an hour and a half of waiting to reset my password because their account recovery features don't work. Their entire payment process is miserable I get a phone call everyday to pay and then when I try I have to wait this long. 

Also their call center is out of the country. Why is my social security number and personal information being sent to XXXX. 


Please sell my loan to an actual reputable bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was paying a debt for a medical bill to a company that first bought this debt. When that attorney retired, they sold the debt to another company. When this company renewed the debt it was for an amount of {$5400.00} in XXXX of XXXX. As of today XX/XX/XXXX, they are saying that I owe {$5900.00}. I called them to find out why it went up, and I was told that there was a post judgement interest of {$860.00}. Talking with the court today my amount to pay shouId be around {$4500.00} and I was not suppose to have any interest on this account. They said they record all their calls and I have been told more than once that there is not any interest being added on. Now that they did add on interest they had no reason as to why. I called the courthouse that the original judgement was made and they do not have records back that far in that office as they were not being scanned in at that time. I do have a written dispute that I am sending to the said company about the interest. That is the only way they will do anything. I have paid religiously, never been late or anything like that. I just feel like they are scamming me for more money. This has been going on as I have had to call them numerous times since they bought this debt and say they have recordings of all the calls. I have requested transcripts of those also. I am just afraid they are going to charge me an arm and a leg for that also. Please let me know what I can do as I do not believe this is being handled correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-16
Company: CCS Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX cable claims I owe a debt that is not mine. I have received XXXX communication from them other than it popping up on my credit report. I cant get ahold of them without an account number which I do not have. Two of the credit bureau have deleted the debt but XXXX  claims the debt was verified. I honestly feel held XXXX by this. The debt is for {$300.00} and has been posted to my credit for over two months. The cable company doesnt even service my area and I have never had service with them. I have received nothing trying to collect the debt I dont owe but it adversely affecting my credit. I have not missed a payment on anything in over 20 years but here is a XXXX debt being extorted from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 I opened a business account with Citi bank. They let me withdraw XXXX & froze my account after the transaction & left XXXX of my money in the account. I tried to contact them and went to the branch that I opened my account ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) & they would not release my funds due to them needing to do an investigation & years later my account is still on hold & I can not access my funds that I did nothing wrong to obtain. Everytime I call none of the specialist know or can tell me what's going on.

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 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
There is a Capital One credit card opened in my name, XX/XX/2022. I didnt know it until I was checking my credit report. I was opened, never paid, and closed with a negative report on the credit reporting agencies. I called capital one and they refuse to remove the account. I disputed the information to XXXX XXXX, XXXX, and XXXX. Under guidance from those agencies, I am filing this police report with FTC.

Company response to consumer: Closed with explanation