BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: Social Finance, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
- Signed up for a SoFi Credit Card on XX/XX/2022 through XXXX XXXX where I was offered {$200.00} if I spent {$1500.00} within 3 months. I was instantly approved for the card when signing up. 
- I completed the {$1500.00} spend requirement on XX/XX/2022. 
- I chatted with SoFi support on XX/XX/2022 asking when I would be getting the bonus since I completed the terms. 
- The support agent said they would put in a ticket with the backend rewards team to see if they can check into it and I would be getting an email from them with an update. 
- I then chatted again with a SoFi support agent on XX/XX/2022 asking for an update on the ticket since I never received any email communication. 
- I was told by the support agent that I did not signup though XXXX XXXX and that I signed up through the SoFi website. I told them I 100 % did signup through XXXX XXXX and have screenshots. I then provided them the screenshots and the SoFi support agent said they would attach them to a new ticket and I would be receiving an email with an update. 
- Today ( XX/XX/2022 ) I called SoFi support and once again asked for an update on the ticket since I did not receive an email. The support agent told me the rewards team denied my request again because it shows on their end that I did not apply for XXXX XXXX. 
- I explained to the agent once again to look at the screenshots which clearly shows I signed up through a partner link ( XXXX XXXX ). 
- The agent offered for me so speak with their superior and I said yes. The " Account Manager '' then came to the phone and reconfirmed everything in the notes and told me there is not much she can do as a manager. 
- She offered to speak directly with the rewards team to get it appealed and that she would call me back between XXXX EST today ( XX/XX/2022 ). 
- The account manager XXXX called me back at XXXX and told me there's nothing they can do. She said that I got a higher tier bonus of 3 % which quite literally did not exist at the time I applied for the card. So that was clearly made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I would like to dispute a collection account with Equifax Credit Bureau. The account is listed on my Equifax credit report as N/A ( see attachment ), but on Equifax 's XXXX as XXXX XXXX XXXXXXXX - Account # XXXX. I have disputed this account with Equifax, but they are refusing to delete it even though the information being reported is incomplete and inaccurate. 

Equifax has allowed this debt to be reported on my credit report for the past 4 years without the creditor providing a date of first delinquency. 

Equifax and the creditor are in violation of Section 623 ( a ) ( 5 ) of FCRA, which says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action As I noted above, the creditor has failed since 2018, well beyond the 90 days stated in Section 623 ( a ) ( 5 ), to provide a date of delinquency. Please note the missing date of first delinquency on my Equifax account and on my credit report in the uploaded files. I've also attached proof of the date of last activity on this account, which dates back to XXXX of 2018. 

In addition, XXXX XXXX XXXX and Equifax are in violation of U.S.C. 1681 Section 604 A, which states that a consumer reporting agency must have written consent to furnish an account on my credit report. 

My rights are being violated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent Experian a dispute for the following accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been more than 30 days and Experian has failed to notify me about these accounts. Since they have failed to give me any info on these accounts they have failed to obey the law. They must removed these accounts since they were not able to respond. I know they received my letters because in the same certified letter I sent I sent dispute for inquiries and they were deleted. So I know the disputes for the accounts were ignored as you can see below these are the letters I sent and copy of certified mail receipt.

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 2022-09-25
Company: EQUIFAX, INC.
State: NJ
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: NC
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: NV
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:
About the middle of XX/XX/2022 I reported my card lost. The card was cancelled and replaced. I did not activate my card on purpose because I was thinking about not using it any more - instead of mileage get cash back. Before I activated the account they let 7 charges go through. One of the charges involved an account that was doing an automatic pay ( which I did not realize ). My card was not only not activated but they allowed a charge that didn't even have my last credit card number. This is my XXXX XXXX XXXX account with Chase bank. My mail goes to a po box . 
What if an employee took that card ( not activated ) and had a ball charging. I had to negotiate with the anual charger and received a credit of over {$100.00} dollars. 

I contacted customer service and then went to a bank and a bank manager gave me contact numbers and that's how I ended up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CITIBANK, N.A.
State: LA
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:
XXXX XXXX XXXX {$360.00} XX/XX/2019 I've sent XXXX rounds of letters and that the account still remains on my credit profile and have not been fully validated

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 2022-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX having hard inquiries dont know where they came from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Waypoint Resource Group, LLC
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: Account status incorrect

Complaint:
15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Account number 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 2018-09-10
Company: Advantage Auto Sales, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Received a loan for a used vehicle at XXXX XXXX XXXX in XXXX, IL. Since XX/XX/2017, XXXX XXXX XXXX have been reporting incorrectly to the credit bureaus. Since XX/XX/2017 they have consistently been claiming my car payments are late each month, some even by 60 to 90 days. These are inconsistent to what is factual. I pay weekly and even pay extra each week. I have spoken to them on this matter and they keep telling me they will call me and I have yet to receive a call from their manager.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: LA
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:
This is not a DUPLICATE Report and this not filed by a 3rd Party or Credit Repair Company. 

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : Equifax XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-09-25
Company: EQUIFAX, INC.
State: PA
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:
Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: GA
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:
was told it was be no credit check and no hard inquiry 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1861 and they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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/2021 XXXX XXXX XXXX  Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account 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 explanation
Consumer complaint received 2022-06-08
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
PNC bank will not close my account and continues to attempt to charge me frivolous monthly service charges and statement fees and then threatens to charge me overdraft fees on top of the charges they tack on. They literally are stealing from me. This is robbery! 

Attached is email of XXXX balance ( Frivolous bank charge ) and threat of more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
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:
XXXX XXXX  is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I first contacted company by email and XXXX responded trying to fix problem. I haven't heard from anyone and so I sent another email on XX/XX/XXXX asking for a full refund because i haven't heard from anyone and no results were done. I sent another email on XX/XX/XXXX asking could someone respond to my email which is where i received a response but by another XXXX named XXXX. She was trying to find a resolution which i then explained again what was going on and that i wanted a full refund. I didn't hear from anyone and sent another email on XX/XX/XXXX saying that i haven't heard from anyone still. I then received an email on XX/XX/XXXX general release-ceasing treatment and was filed with the amount of {$480.00}. Then i started receiving emails from another company called AmeriAssist A/R Solutions which aren't allowed to collect in the state of florida.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX! These accounts has violated my rights! Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX!! 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy. 

15 U.S.C 1681Section 604 AXXXX states that a consumer reporting agency can not furnish a account without my written permission.

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 2023-03-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Had a problem with online banking and my email being taking over and I recently gained access back to my email account not entirely the email address does not come back to me someone still has access to my email but I can get in from my phone, my online banking, I can not gain access to my bank account due to a problem with online banking which I do not use except to deposit checks from time to time, i have went into the branch and its been kicked over to a department whos investigating the matter of online banking issues, I told them I dont wish to use the online banking I just wish to come into the branch and I can not access my funds and Im on the phone constantly trying to regain access to my account, I cant access my funds or pay bills with my debit card due to issues with online banking

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: DC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation