BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: DISCOVER BANK
State: OR
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 had a fraudulent inquiry on my credit report on XX/XX/XXXX from Discovery- I received the alert from my phone and immediately contacted them that it was fraud and to have it removed. I also have a fraud statement on my credit report. It has been over 60days it has not been deleted- I have contacted both XXXX and Discover and they both tell me to contact the other one. 

Today XX/XX/XXXX I contacted Discovery fraud and spoke to XXXX XXXX she told me to call back tmrw with this ref # XXXX and they can turn it from a hard inquiry to a soft- there shouldnt be any inquiry because I didnt authorize it- I want it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/2022 I made an online deposit through the Chase mobile app. I am a XXXX XXXXXXXX in the XXXX XXXX XXXX and provide XXXX services. I had a check deposited for XXXX services completed for the amount of {$9500.00} from a company which I have deposited numerous times before. Chase did not acknowledge the deposit until Monday midday and stated a hold would be placed for the full amount of the funds until Wednesday, XX/XX/2022. I did not object and waited until Wednesday the XXXX to check if the hold had been removed. On Wednesday, XX/XX/2022 at XXXX Chase decided to send a letter via email stating the check would now be on hold until XX/XX/2022. I am a very small XXXX and I depended on the funds to pay my employees and run day-to-day operations. I called Chase which referred me to their Fraud Prevention Services, when speaking with the Fraud Department, I was asked numerous questions regarding the check but these questions were regarding the nature of the check, what my company does, and what services it provides. I advised them that I run a XXXX  business, which more specifically provides XXXX services, that yes my checks are most times on the higher end, and that all checks come from 2 major clients I work with regularly. The representative then went through my deposit history and I asked her to verify that this check is from a client who I deposited 2 weeks ago leading back to 3 months ago. She stated why the check was a higher amount and I re-explained the nature of my business. This is a business account so I am unsure why the predatory questions. She went on to say the check would need to be verified through both the issuer and the issuer 's bank, I agreed but stated this is the exact same routing and account number from a company I have deposited from in the past. The representative stated if they can not reach both the issuer and the issuer 's bank that the hold would remain. I was placed on a very long hold and after XXXX minutes the representative came back on the line and stated the issuer 's bank could not be verified. I once again repeated to her that I have deposited check 's from this issuer in the past, 2 weeks to exact, and have not had an issue. I have an image of a deposit made 2 weeks ago bearing the exact same routing and account number. She refused to look into it any further and stated the hold would remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citing PERMISSIBLE PURPOSE -Fair Credit Reporting Act A furnisher must not furnish inaccurate consumer information to a CRA XXXX and furnishers must investigate a consumer 's dispute that the furnished information in inaccurate or incomplete. If ANY information has been deleted from a consumers file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available for that purpose. Please find attached proof that this company has reinserted an inaccurate account that had already been deleted by XXXX  from the XXXX report XX/XX/2021. This reinsertion of erroneous information that was previously deleted is AGAINST THE LAW and needs to be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I sent {$750.00} ( money order ), along with a Settlement letter to National Credit Systems. Previously, I sent a {$750.00} Cashier 's check to the same company and the check was returned back to me. The note I received was that the company could not accept a cashier 's check and ask me send a Money order. 

Today is XX/XX/2022 and no response! I paid this creditor and they also received the settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: FL
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:
Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS. 

These are the accounts below.I 've also attached documents showing the attempts trying to get this matter resolved. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/22 I was trying to make a payment of my statement of {$740.00} for my " NFL Extra Points '' Visa credit card issued by Comenity. My monthly due date is on the XXXX of each month, so a payment not made today would be considered " late ''. Not only is their online system down, but when you call and try to make a phone payment, it plays an automated message and automatically hangs up, there's no way to talk to an actual person. When you try to make a payment on the phone, it also redirects to the automated message. So between both the website being down, and no way to talk to anyone on the phone, there's no way to actually make a payment, which means it could possibly be marked as " late '' and be a negative mark on my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I agreed to purchase a XXXXXXXX XXXX XXXX XXXX  from XXXX XXXX of XXXX, CA for {$670.00} after speaking with him and text exchange. On XX/XX/XXXX at XXXX est. I send a XXXX Payment of {$670.00} from my Citibank account ( XXXX XXXX PAY ID : XXXX ORG ID : XXXX ) to phone # XXXX which was registered to XXXX XXXX. The agreement was that the item would be shipped that day on XX/XX/29. After the payment was sent seller ( XXXX XXXX ) stopped responding to texts and calls and subsequently block calls. Additionally, the same item ( XXXX XXXX XXXX ) with teh same pictures was reposted on multiple websites by XXXX XXXX for sale with the same phone number to contact. Once he clocked my number he used the following numbers as well : XXXX and XXXX. I never received any item and still see him posting the same item. I paid him the {$670.00} and did not receive anything.

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 2022-01-04
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have an account with Firstmark Services that was co-signed. I have had this same issue before, but I have scheduled a payment to be made, and they are calling my co-signer and telling them that my loan is very late and has not been paid. Not counting the holidays and weekends, my loan is only XXXX  days late, and I scheduled to have the payment deducted on XXXX, but the payment has been scheduled since XX/XX/XXXX. Firstmark called me at XXXX on XXXX XXXX and did not leave a message, I was in a meeting and unable to return the call, nor was a message left for me to reference. It was not even XXXX minutes later they were calling my co-signer. They told her my payment was extremely late, and never once mentioned that I had a pending payment. That is a total lie. I have had this issue with them previously, and of course they tried to defend their position. Their payment collecting practices are false, misleading, predatory, and threatening. They also tried to lie and say that they never called her, which is totally false. My co-signer would have no idea the status of the loan without their phone call. In this kind of climate where people are unable to work and having to stay home from work with their children because of the pandemic, Firstmark should not be allowed to harass and intimidate their borrowers. I do not want Firstmark to contact my co-signer at all anymore. My payments are all up-to-date. Something needs to be done about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my report they are showing 3 days late in 2021. They are also reporting inaccurate balance and amounts. This is a time share and is reporting as a mortgage. Prior to the late reporting they sent in, they never reported any on time payments.

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 2022-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted a dispute in reference to hard inquiry on my report dated XX/XX/2021. Ive had a conversation with capital one representative and couple days later, capital one reached back stating they dont see no inquiry on their end. I had to send in a dispute with XXXX and they verified that capital one ran my credit report on XX/XX/2021. They also stated it can be removed if capital one provides a letter stating the inquiry can be removed but capital one seem to be silent and not granting me the requested concern I asked for. This is violating of 15 U.S. Code 1679c.

Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX  ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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