BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a Credit Card account ending in XXXX that the company founded to a fraudulent and sent all 3 consumer reporting agency authorization to delete the account all but one chose not to delete the account now they have the account under the name Equifax account ending in XXXX I know this has to be illegal for Equifax to hide and continue to furnish a fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I've sent Navient 2 correspondents, and they have yet to send me the requested information. I've asked for this information over the phone, in writing XXXX XXXX, 2022, and XX/XX/XXXX of 2022. I have yet to receive the information about my loan. I have also sent the same correspondents to cfpb, XXXX, XXXX, XXXX as a curtesy so that I can get the information needed to verify the information. they have also been calling me three times a day when I have requested they do not call me and to correspond by written correspondents through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: WELLS FARGO & COMPANY
State: NM
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:
I had charges I did not make from a place I have no idea who or what they are in the amounts of XXXX and XXXX. As soon as I noticed the charges I called and reported the charges as fraud. The charges were made on XX/XX/XXXX. I was sent a new card. The charges disappeared. Then I noticed several weeks later that the charges were back, so I reported them again as fraud. The charges again disappeared. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the the charges were authorized and that because I was in possession of the card at the time the charges were made that they were not fraud. That was the only reason given. Obviously, it is XXXX not XXXX and there are ways for your card to be compromised other than losing it. On XX/XX/XXXX, I again called to dispute the charges and was told that I must resubmit my claim and reopen the file, which I had them do. Now the charges are back on my credit card account and I am having to wait XXXX days for resolution on these charges that are clearly fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: Resurgent Capital Services L.P.
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:
XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by LVNV Funding, LLC. I had no prior knowledge of this alleged debt and I have never given LVNV Funding, LLC and other companies who are associated with them such as Resurgent Acquisition and XXXX XXXX XXXX XXXX my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with LVNN Funding, LLC. No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). LVNV Funding, LLC is a third-party debt collector. LVNV Funding, LLC has furnished information on my consumer report without my knowledge and permission. I have sent LVNV Funding, LLC and all associated parties such as Resurgent Acquisition, LLC and XXXX XXXX XXXX a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Equifax numberous times for this issues someone stole my information and identity and tried to open up numerous accounts in my name this will be the second time that I have been through this process for fraudulent items Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items Equifax : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX auto XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXy XXXX XX/XX/XXXX The auto finders in XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Atlanticus Services Corporation
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:
I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have submitted on many occassions ( XXXX, XXXX, XXXX, ) for XXXX XXXX to provide me with a physical copy of my contract with them and the original creditor Comenity Bank, showing that the account is indeed my account. I have only received the name, an amount and a date they opened the account. That is not a validation or itemization of the account. with the numerous amounts of information breaches. this is unacceptable. I did not open this account, and XXXX XXXX has not submitted any evidence of the account belonging to me This is the second account that XXXX credit has attempted to say I own. I fought the last one in court, and it was dismissed with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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/XXXX, per Capital One letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries are still reported on my credit reports. 

Fraudulent Credit Inquiries from the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Uber credit card with Barclays. The issuer is reducing the benefits of the card and I would like to close this card. But I can not redeem the rewards I have earned on the card. There is no option on the bank 's website to redeem the points. The bank customer service asked me to call XXXX, but XXXX has no phone number.

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 2022-01-20
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:
This account was used fraudulently. I sent a police report and affidavit of identity theft five ( 5 ) times to the credit bureaus and XXXX XXXX, they have yet to remove the information or notate it as " lost or stolen. '' The account is showing on XXXX and Equifax as a charge off which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I purchased a washer/drier from Sears using their card managed by CITI {$1400.00} My account cycle closed on XXXX XXXX with a due date of XXXX XXXX with a balance of {$1400.00} and min due of {$27.00} On XXXX XXXX I returned the original washer/drier and was credited {$1400.00} ( the entire balance due on the then current statement. On XXXX XXXX I also purchased a different washer drier on the Sears card for {$1400.00} on XXXX XXXX I received a call from CITI telling me to logon and review my account. I did that and saw that even though my return matching the entire balance of the last statement had been posted a late fee of {$27.00} had been added to my account. I immediately called the CITI number and reviewed what had happened with the representative who immediately credited the bogus late fee. At this point I had not even received the next statement. My account cycle closed XXXX XXXX with a due date of XXXX XXXX Last SUNDAY XXXX XXXX XXXX ) I received two phone calls from the CITI collections department claiming I had an overdue balance. I tried using their email system to get them to admit this was an error and I should not have received these collection calls. Their reply was that return credits mean nothing ( even though they wiped out the entire balance due ) and that the mim payment was still required even though I owed nothing from that bill. I will attach their last reply in the step that allows attachments.

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 2022-07-05
Company: EQUIFAX, INC.
State: NV
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/XXXX, per XXXX XXXX letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries are still reported on my credit reports. 

Fraudulent Credit Inquiries from the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2018- I was loaned {$600.00} via online by Bright Lending. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 524.9996 % - a significantly higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received a XXXX XXXX that a negative collection was added to my credit files with credit agencies. I did not receive any indication about this alleged debt, no notice, rights to dispute, etc. I have no clue what this debt is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: LA
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 had a vehicle financed through XXXX in XX/XX/XXXX. XXXX charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid XXXX {$5200.00} in the total loss settlement and XXXX released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet XXXX is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my EDD California state unemployment check in my Chase checking account. It was then brought to my attention it will be placed on hold for 12 calendar days from my deposit date. My account balance have never been overdrawn and I have never bounced a check. There is absolutely no reason to hold my check for 12 calendar days. This is money I am legally entitled to during a severe pandemic. I need access to my funds that belong to me. If I had known Chase would place an unusually and unnecessarily long hold on my legitimate state check, I would have taken my business elsewhere. 

It gets worse. I was instructed by a customer service agent to call the check hold department ; option 1 to request the hold be removed sooner. I called the telephone number ( XXXX ) XXXX and was on hold for 3 hours and 20 minutes, and still never got to an agent. This is unfair business practices. If this matter is not resolved promptly, I plan on filing a formal complaint with the FTC, FDIC, my state attorney general and office of the Comptroller of currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
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:
FCRA violation put a credit item that was previously deleted without notifing me in 10 business days of the the action 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 2018-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, Experian, XXXX delete these late payments and update my profile

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 2021-08-24
Company: ERC
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:
This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Re-investigate the information shown in this account or delete this account information from my credit report, because I believe it may be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was informed of a collection on my credit report. The collection is not mine. I am not sure where this is coming from. I have reach out to the credit Bureaus and they say I need to file complaint with you. I have reached out to collection agency and asked for proof what they are claiming is mine but, they were not able to provide supporting documents. They stated that I need to contact the credit bureau to get this removed. This is fraud and I need this disputed and removed please. This is affecting my credit.

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 2022-01-20
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:
An old out of statute of limitations debt is reporting inaccurately by this bank. The bank XXXX XXXX  ) sold the debt for pennies on the dollar to another debt buyer ( XXXX  ) four years ago. However, both XXXX and XXXX are reporting a different amount of the actual debt since than the last bill was sent XX/XX/2018 and then charged off in XX/XX/2018 ( see documentation ). 

Last amount before chargeoff on the bill - XX/XX/2018 : XXXX Charged off amount reporting by XXXX and XXXX : XXXX The documentation was provided to me by XXXX, however, even so still they are reporting inaccurate information in violation. XXXX, the original creditor, is also reporting different charge off dates last date of payment date on XXXX XXXX : XX/XX/2018 last payment on XXXX : XXXX last payment on experian : no data the reason for this is possibly because XXXX never applied a payment I made of {$150.00} in XX/XX/2018 to bring the account current.

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