BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX  XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ALLY FINANCIAL INC.
State: MS
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:
XX/XX/2023 paid note to XXXX XXXX and still showed late. XX/XX/2023 paid ally bank still showed late

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 2021-03-03
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts continues to harrass me regarding a bill I do not owe. I have never went to XXXX XXXX office in my life. They provided me with a bill from 2016 which shows me nothing but my new address of the home I literally just purchased, I did not live in PA in 2016. The bill they sent just have the date of service and my NEW ADDRESS. This is crazy how they are trying to use this to validate the debt. They need to remove this negativity reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEM has not validated the debt and the debt does not belong to me. JEFFERSON CAPITAL SYSTEM is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; JEFFERSON CAPITAL SYSTEM please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report or I will pursue legal action. JEFFERSON CAPITAL SYSTEM has not validated the debt and the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Date Opened :XX/XX/2020- I have not applied for anything of this magnitude on or around this date. This collection agency is reporting and attempting to collect thnis debt that I am unaware of. They failed to provide me with a copy of theoriginal aplication with my signature. They continue to send me a bill showaing ayments being made. I never opened the account. If the account was opened on XX/XX/2020 they should have this information. I believe someone has used my information and I need ths information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX you responded to my last complaint and stated that two XXXX XXXX accounts XXXX, XXXX and XXXX XXXX account XXXX had been deleted per my complaint on XX/XX/XXXX but as of XXXX XXXX I still show these accounts reporting. Please DELETE IMMEDIATELY

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 2023-05-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX is reporting missed payments in XXXX and XX/XX/2021. I was sick and in the hospital with XXXX and fighting medical issues that has led me to be XXXX percent XXXX as shown by the attached documents. I suffered identity theft during that time and perhaps a payment card was affected and that could have caused a payment processing issues. I never had an issue paying and have completely paid off this account easily with a XXXX dollar payment before you all decided to close it without my consent. Please check my XXXX XXXX and see that I qualify for this card. I loved shopping at your store online, and would like to continue doing business. Please have some compassion on me and delete this late payments as they are not mine and occurred as a result of technical issues beyond my control. I was incapacitated at the time and addressed the technical situation with my bank after I became aware of and issue.Please escalate this to a manager who could grant this request if needed. It would be a great help for me. I am so exhausted and my health if deeply affected by the stress of trying to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overdraft fees even though I am under XXXX and Wells Fargo doesnt charge overdraft fees for people under 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 2022-12-20
Company: Experian Information Solutions 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:
On XX/XX/XXXX you responded to my last complaint and stated that two XXXX  XXXX accounts XXXX, XXXX and XXXX XXXX account XXXX had been deleted per my complaint on XX/XX/XXXX but as of XXXX XXXX I still show these accounts reporting. Please DELETE IMMEDIATELY

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 2023-07-27
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Calling the phone number listed on Experian 's site is only for the bot to send one to the website, it is clearly stating NO PERSONNEL is available to speak with. Some of the information on Experian 's site makes no sense. It contains completely false/fake information regarding net worth for instance. Why is it necessary to display a net worth figure when it is so horribly wrong? There is other info that is difficult to make sense of but why is NO ONE available to help? There is also no way to submit a message on the site about what is wrong and should be corrected! 
Greedy CEO, XXXX XXXX, pocketed {$13.00} XXXX in XXXX, but he did not invest in necessary customer support. 
It should be illegal and punishable by law not to be able to speak with someone when it is about someone's credit worthiness. 
The redit reporting agencies are playing with people 's lives.

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 2023-07-27
Company: Credit Karma, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Between XXXX and XXXX, I was denied a credit card through Credit Karma. I was informed of a 90 % pre-approval and influenced to apply for the credit. Once done, I was denied and my credit score dropped. This was done on several different occasions. I believe this to be fraudulent activity which cost me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the handling of my recent credit card application. I believe that my experience exemplifies a concerning issue with their application process, which has resulted in significant frustration and negative consequences for my financial standing. 

Case Details : Applicant Name : XXXX XXXX Case Number : XXXX Capital One Representative : XXXX XXXX Background : On XXXX XXXX, I submitted an application for a Capital One credit card, providing all necessary documents, including my driver 's license. I had to fax multiple times. However, I was informed by XXXX that my license documents could not be successfully scanned at the DMV website, despite multiple fax submissions. This experience has been extremely disappointing and has left me deeply dissatisfied with Capital One 's procedures and customer service. 

Issues : Inadequate Document Processing : The inability of Capital One 's system to accurately scan and process license documents is a significant flaw in their application process. This has led to unnecessary delays, additional burdens on applicants, and potential negative consequences, such as expiring credit pulls. 

Lack of Alternative Document Options : When I suggested providing alternative identification documents, such as a green card, I was met with a lack of viable options and solutions. This limited approach demonstrates a lack of flexibility and a failure to address diverse customer circumstances. 

Absence of Secure Document Submission Methods : It is concerning that Capital One, as a prominent financial institution in 2023, continues to rely heavily on fax submissions. The absence of secure document upload or email options not only raises privacy concerns but also contributes to inefficient communication and prolonged application processing times. 

Resolution Requested : Prompt Application Review : I urge the Consumer Financial Protection Bureau to ensure that my application is reviewed promptly and fairly, without undue delays or bias. 

System Improvements : Capital One should invest in enhancing their application process to address the issues I have raised. This includes implementing reliable document scanning technology, exploring alternative document options, and establishing secure digital submission methods to ensure efficiency, customer convenience, and data security. 

Fair Treatment : I request that Capital One treat all applicants consistently and ensure that credit pulls are not negatively impacted due to deficiencies in their application process. Rejection or negative outcomes should not be solely attributed to applicants when flaws in the system exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A few months ago I reviewed a copy of my XXXX and TransUnion credit reports where I noticed an account that is reporting inaccurately. It is showing misleading information, since it is showing the account as Paid/ Paying as Agreed but has late payments listed in the history. This misleading data is causing great harm to my credit score and its detrimental to my financial well being. I contacted each bureau by mail and phone to have them correct the issue, but they have not done anything. As I am aware by researching, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error. 
XXXX and TransUnion are violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan.

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 2023-05-24
Company: CL Holdings LLC
State: TX
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:
I was a victim of idenity theft I look at my credit report and see things I never applied for or have no knowledge of. these false allegations is becoming stressful because its reporting negatively on my credit report cause me unwanted stress. I would like for these false reports be deleted as soon as possible. I never did any businees or agreed to do anything with XXXX XXXX XXXX so I don't know how they got any of my personal information. I see they got it from a company called affirm in which this company already has my identity theft report that was sent to them back in XXXX or XXXX so I don't understand how XXXX XXXX XXXX got my information and how they reported it illegally to the credit bureau 's which is misleading correspondence debt collectors arent allowed to give false information about you to anyone including a credit reporting agency!! 
I want you to cease and desist all comunnication with me immediately and to stop reporting false information to the credit bureaus within 7 days of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: The Bureaus, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$420.00} Open balance XXXX XXXX XXXXXXXX XXXX Original creditor Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) THE BUREAUS is the company that has it now. 
Last reported XX/XX/XXXX I have reported this through the report reporting agencies many times and not has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ALLY FINANCIAL 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:
I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. 
But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted

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 2023-07-29
Company: TRUIST FINANCIAL CORPORATION
State: AR
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:
After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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 errorsA 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; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.

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 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called Bank of America XX/XX/XXXX ( XXXX ) XXXX to enquire about how far back the bank would honor checks. I was told the bank would only honor checks written 6 months back from the date of issuing. 

On XX/XX/XXXX, XXXX, the bank contacted me via e-mail notifying me with regard to suspicious activity concerning a check dated XX/XX/XXXX, asking me to corroborate if I recognized it. The e-mail stated that I had until XX/XX/XXXX, XXXX ET to respond to the query. I chose to not respond at the time and to attend personally to the bank to attest to the situation the morning after. 

On XX/XX/XXXX, around XXXX PT, I went personally to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) to ask for a stop payment on checks written prior to XX/XX/XXXX. As I accessed my account, the bank notified me that a series of checks dating back to XX/XX/XXXX had been cashed out from my account. 

I spoke to the location manager at the facility and was transferred to speak with the checks claims department, who told me that despite the misinformation the funds would not be reimbursed. 

The total deposited amount for the checks cashed was USD. XXXX ( XXXX XXXX XXXX and XXXX XXXX and XXXX dollars ). I told the manager that I had been told no checks dating back to six months would be honor, and was notified of suspicious activity regarding a check the day prior giving me until XXXX ET XX/XX/XXXX to answer. 

The bank refused to acknowledge their liability for honoring these checks, despite being told they would not honor checks prior to six months prior, and despite being told in e-mail that I had until XXXX XX/XX/XXXX to review the case. 

I am attaching a pdf including the cleared check transactions that have taken place for the stated amount, all of which are numbered and for the amounts of USD. XXXX / XXXX. I am also attaching the email from the bank stating I had until XX/XX/XXXX XXXX ET to acknowledge the activity for the check in question.

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