BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: N26 Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for an account with the online financial service N26 on XX/XX/2021. They took all my information including my social security number and images of my drivers license to verify my identity and then gave me a message in their app saying they needed to speak with me through their customer service for security purposes. I called the number they gave me, gave them my personal information again, as was told we can not open an account for you at this time. When I asked what the problem was they said, and I kid you not, We cant tell you. What? How is that legal? Im not bothered that I cant open an account, Ill open one with a different online bank ( I interested in changing from my current account at XXXX to one of the new online banks that dont charge any fees ) but I am very bothered by the fact that they have my information but wont share what is causing them to deny my request to open an account. After a bit of searching online I found an entire thread of people complaining about the exact same issue. If N26 is going to operate here in the U. S. it seems to me that they should have to explain what criteria or issue it is that prevents them from opening an account. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several hard inquiries removed or deleted from my XXXX file that are duplicates on my XXXX and Experian credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted XXXX and Experian to see if I could request a removal of said inquiries to no avail.

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: 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:
In XXXX I noticed XXXX and XXXX XXXX XXXX were showing incorrect accounts that were my ex-husband 's. I contacted them over and over and over again. Writing down names and times. Each time, they said that they were taking care of the issue. I even sent a notarized report they asked me to fill out. That was on XX/XX/XXXX. I received a letter reading that the matter was settled on XX/XX/XXXX. I still called because I could see that it was still on my report. I needed to go to XXXX XXXX  to get a job, but couldn't do that without financial aid, which I could not get because of this. Thus, I would call again and again, the last time being told that on XX/XX/XXXX they had told the three credit reporting agencies to remove the account. But each time, they also put a caveat that I must fax in the credit report ( current - not past 60 days ) and then they would remove the problem again by contacting all the agencies. Or I could have the agencies contact them. I did both. And the credit agencies, when I followed up, all stated that they had called that company, but had not received the information requested. I finally gave up at the end of XXXX for school. I figured that the 7 year law would kick in and they would HAVE to follow the law. Still I called and went through all the loops all the way until today. Today I received a denial for my student loan because of this. Thus, I contacted all of the above again. Again I was given the same information, " Oh! It should have been removed. You can fax or mail your most current credit report, not past 60 days ), then we will make sure it's removed. Or you can have the credit agencies call us. '' When I asked them how long this would take, I was told 30-60 days on their end and probably the same for the credit reporting agencies. I stated that was too late. So I called the XXXX financial aid office to explain, but they said they don't have anything to do with it as these are federal loans. I will re-fax and send certified mail as I have in the past and then call. But now, it's past the 7 years, how can they still hold me hostage on the three credit reporting agencies. Now I know why I couldn't receive credit to purchase a car I desperately needed for my job. This is messing up my life for something that I did not do and is now against the law as it should have fallen off XXXX, XXXX for the FCRA and I feel now, that it's hopeless.

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 2017-08-21
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 am a victim of identity theft and there are currently 8 collections being reported to my Equifax report for multiple debts I did not create. I have disputed these accounts several times with Equifax and they are refusing to delete them from my report. In my most recent dispute, I requested Equifax block these accounts from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX County Sherriff 's office on more than three separate occasions. To this date, the only generic response I have received is that the accounts have been verified and can not be deleted. The collection company who is reporting these eight debts on my credit, " XXXX XXXX XXXX '', has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have these fraudulent accounts BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request. I am attaching a section of a recent credit report which shows these eight collection accounts, the balances being reported, and the account numbers they have on my credit. The first account was opened in XX/XX/XXXX is for {$2300.00} and has an account number of " XXXX ''. The second account was opened in XX/XX/XXXX, is for {$2000.00} and has an account number of " XXXX '' .The third account was opened in XX/XX/XXXX, is for {$67.00} and has an account number of " XXXX ''. The fourth account was opened in XX/XX/XXXX, is for {$170.00} and has an account number of "  XXXX ''. The fifth account was opened in XX/XX/XXXX,  is for {$820.00} and has an account number of " XXXX ''. The sixth account was opened in XX/XX/XXXX,  is for {$6100.00} and has an account number of " XXXX ''. The seventh account was opened in XX/XX/XXXX, is for {$190.00} and has an account number of "  XXXX '' .The eighth account was opened inXX/XX/XXXX, is for {$990.00} and has an account number of "  XXXX ''. As you can see, only Equifax is reporting this to my credit at this time. XXXX and XXXX have deleted all records of these accounts because they were opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Approved Merrill Lynch - Merrill Lynch XXXX XXXX and XXXX XXXX XXXX, your credit card application has been approved! You will receive your credit card within 7-10 days and the Welcome Package within 10 to 14 days at the address you provided. Application type Online Application ID XXXX Application date XXXX/XXXX/XXXX Decision date XXXX/XXXX/XXXX Bank of America on XXXX/XXXX/XXXX denied for this account after it 's been approved saying that my account has already have too many " significant accounts opened '' after I was approved by the XXXX team at BofA on XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. Under the Fair Debt Collection Practice I command my consumers rights under sections. 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts

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: U.S. BANCORP
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:
US Bank tried to contact me on XX/XX/28, regarding the application for a credit card. That person was trying to get me to confirm information and I knew it was a phishing scam!! Now Ive received two letters in the mail, informing me that the information in the application couldnt be verified and so the application was denied. I called US Bank but the department that handles this issue s closed for the day. One of the reps was kind enough to give me the FTC.gov website, for reporting this immediately. She also confirmed that the number that call me to confirm is NOT a US Bank 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 non-monetary relief
Consumer complaint received 2022-07-05
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:
To Whom It May Concern, I am a natural living person and no credit repair organization is representing me. 

On XXXX, XX/XX/2022 a complaint was submitted to Experian due to incorrect information on my consumer report ( ID XXXX ). Experian stated in writing that they verified the information, but they failed to provide me with strong evidence of their investigation. 

Since your company provided no information or evidence of substance ( such as an original consumer contract with my signature ) it leads me to believe that a proper investigation was not conducted ; therefore, Im questioning the accuracy and integrity of your response according to CFR 1022.41 ( d ) ( 2 ) ( 3 ) ( i ).

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account listed. Your failure to effectively verify this account has hurt my ability to obtain credit and general reputation. Under the FCRA, unverified accounts must be removed and if you can not provide me a copy of the verifiable proof, you must remove the account listed in this complaint. 

I am also requesting a complete annual file disclosure as required under section 612 ( a ) of the FCRA, 15 U.S.C. 1681j ( a ), via mail. 

Notarized letters and a copy of my identity have been included and sent via certified mail to the address provided in the complaint id listed above.

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: 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Lien Receivables LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX showed up at my place of business, today XX/XX/2022 around XXXX XXXX  XXXX, for debt collection and gave the salon owner his card from Lien Receivables LLC, which is a clear violation of FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I bought furniture from XXXX here in XXXX of XXXX. I thought I had 3 years to pay without any interest. No one at XXXX explained the terms or explained the " deferred interest concept which I was never aware of. I began to make payment religiously on the web site. I paid what they stated that I needed to pay. I never missed a payment. After 24 months I went to make a payment only to find out that my balance just doubled. Not knowing why I called them up to find out why. Iw as then told of the deferred interest charge. I offered to pay the balance to conform to the 24 months terms but they refused since I was only 9 days late. I acknowledge that I was deceived and maybe I should have been more careful but the following, I believe, show how deceptive XXXX and XXXX XXXX ( the financing Bank ) are. 1- Monthly payment was not equal so that balance would be paid over 24 months.
2- There was no reminder, note, or any indication of the fact that the balance needed to be paid over 24 months or else.
3- When I became aware of the terms, it was only 9 days and they should have accepted payment.
4- My balance literally doubled overnight. I am currently paying since I am trying to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection agency namely I.Q Data International is  attempting to collect an alleged debt that I do not owe to them. They have also reported it to all 3 credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agree to pay any debt to I. Q Data International. They also have not provided any information showing where I have agreed to pay them for the alleged debt. furthermore, they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the secretary of State according to section 392.101of the Texas Finance Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiryXXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act US DEPT ED 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

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 2018-06-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I sent the following email to my loan servicer Navient. I just found out about alleged money old, so I don't have all documentation yet. The problem that I'm having is that I typically did all my correspondence online, payments, etc. I have no hard copy documentation of corresepondence, only what the navient website itself is reporting. The email reads as follows ( date sent XX/XX/XXXX ) : While inquiring on a loan from XXXX XXXX I discovered that there is an alleged unpaid loan serviced through navient that has been sitting there collecting interests for years. The loan is from XXXX. I had originally enrolled in an automatic payment program that drafted my account every month for this loan. I thought that the loan was paid off. I haven't received a bill or letter or any compliance from the Navient company since XXXX. I spoke to a Navient representative on the phone after my recent discovery of this unpaid loan. She stated that the loan was automatically put into deferment. I informed her that I never requested a deferment nor was I informed of any deferment on this loan. I started XXXX XXXX in XXXX and she stated that the loan must've automatically went into deferment. This information was never provided nor sent to me in any type a letter, email, bird, nothing. I used my credentials to log into this account ( after speaking to the service representative 2 weeks ago ). Low and behold, I find false documentation of alleged correspondence that was said to be mailed to my home -- dating back to XX/XX/XXXX. These documents were NEVER mailed nor emailed to me as falsely documented online. I need to speak with a supervisor or manager on this matter. I do not feel I should be held responsible for a loan that was secretly put into deferment for years to collect interest unbeknownst to me. I feel this was a ploy to gain interest and money and the expense of hard working students. The loan is now at a balance that is more than the original amount borrowed. Someone needs to contact me asap!. I can be reached by phone at ( XXXX ) XXXX or email at XXXX. Also, please send paper copy account audit info to my address below. 

XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My Chase Sapphire Reserve account includes rental car insurance. I had damage to a rental car in XX/XX/XXXX, was charged {$1600.00} by XXXX and submitted the claim to them, claim # XXXX on XX/XX/XXXX. I have sent all supporting documentation that they have asked for. Instead of responding within five business days as promised, they have ignored me for over a week. They have not paid the claim.

Company response to consumer: Closed with explanation