BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: MD
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:
Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. 
The other documents are attached to the previous compliantXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Chime Financial Inc
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/22 at XXXX am at the XXXX on XXXX XXXX XXXX XXXX XXXX, New Mexico, I gave this store {$400.00} cash to load onto my Chime Debit card!! I was loading this money in an attempt to rent a vehicle, however upon discovering that none of the local vehicle rental agencies took any kind of prepaid cards at all whatsoever my need for this card and its services for continuing to have my money on this card, was no longer!! When I went to retrieve my monet from first an atm at XXXX XXXX XXXX XXXX it was declined!! Than I attended to take XXXX from an atm at XXXX across the street still declined!! Than I thougXXXX ] ht surely I can make a purchase for 5 and get {$20.00} cash back this too was declined!! I than called Chimes customer service hotline, where the gentleman kept insisting everything was fine and asking me to reattempt to take the cash from the atm, to still no avail!! After about at least half an hour or more of this, the gentleman finally admitted that there companies entire system was being overhauled and the only way I would be able to retrieve my money would be to contact there support team!! Which he had said he did that Saturday evening as did i once again to no resolution in any way and actually no response whatsoever!! So I figured surely by Monday this support team of Chimes, that is supposed to give me my money back would be in the office since it's the work week now, however several more attempts with their customer service, more atm and purchase attempts all declined!! And I was told by 2 different people that there support team would be getting back to me by before the end of the work day and still nothing!! Please help me this company is clearly stealing people 's money every chance they get!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried for several days to make my payment online and the website has been down. I have also tried to reach them by phone and the phone line is not accepting calls. It states they are doing a planned system update and it is taking longer than planned. My payment is due on the XXXX of the month and I am concerned this will have a negative impact on my credit. I was never notified that the system would be down so that I could make other arrangements to make sure my payment was received prior to any system update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: GOLDMAN SACHS BANK USA
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or aroun XX/XX/22. Fraudulent purchase ( s ) were made from my account charged XXXX $ in Intrest charge ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX 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 also states 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 2022-06-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been disputing my credit report for over ten years. My complaint are agaisnt the three credit bureaus XXXX, Experian, XXXX :!. ) reporting Inaccurate history 2. ) Failure to not report disputed iteams 3. ) Refusal to correct information after proof has been giving 4. ) Abusive calling of collection agencies 5. ) being harassed by collection agency. 
XXXX XXXX XXXX ( XXXX & XXXX, XXXX ), states I owe them {$7000.00} for a vehicle I was a cosigner on. The vehicle was sold at acution, I had another vehicle that was repossed and sold at acution, they sent me a 1099-G. XXXX XXXX ( XXXX XXXX ) says I owe them {$160.00} for car insurance that I did not have with them. I am tired of playing this game with the three credit bureaus and collection agencies. I can ; t get a home, a car or live life at XXXX because of mis reporting and misconduct towards my credit ENOUGH

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: 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: Problem with personal statement of dispute

Complaint:
I filed a complaint against Equifax number XXXX, regarding their stall tactics and blatant refusal to provide me with my full consumer credit file disclosure. Equifax responded once again with a false and misleading statement about me disputing information on my consumer credit file and how they conducted an investigation. Which again, I never disputed information on my consumer credit file, I demanded my full consumer credit file disclosure. Equifax continues being deceptive and remains in violation of my federally protected consumer rights. I will be putting my state 's attorney general on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: DISCOVER BANK
State: KY
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:
XXXX XXXX XXXX XXXX DISCOVER BANK XX/XX/22 RE : We have already disputed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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:
XXXX XXXX PORTFOLIO RC XXXX XXXX  XX/XX/22 RE : We have already disputed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is toward US Bank I have a mortgage with US Bank ( since XX/XX/XXXX ) with both me and my husband 's name is on the mortgage. My email is used for all back correspondence for this mortgage. In XX/XX/XXXX, I received an email from US Bank stating " 1. A minimum deposit of {$25.00} is required to open a U.S. Bank consumer checking account. To earn your {$300.00} or {$500.00} bonus, open a new U.S. Bank consumer checking account ( excluding Student Checking and Safe Debit Account ) by XX/XX/XXXX. Additionally, you must complete recurring direct deposits of XXXX or more that total : $ XXXX {$4900.00} to earn {$300.00} ; {$5000.00} or more to earn {$500.00} and enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account. A direct deposit is an electronic deposit of your paycheck or government benefits ( such as Social Security ) from your employer or the government. Other electronic deposits or person to person payments are not considered a direct deposit. The checking account bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App, as long as your account is open and has a positive balance '' I then called US Bank and asked the woman of qualified and she says yes and opens the account for me. I set up direct deposit immediately and use the mobile app. 

I did everything I was told and never received the {$300.00}. I called the bank about 4 times and spoke to different people and no one could tell me why I didn't receive the money. The just kept saying the would have the rewards department call me. 

Eventually, months later, now XX/XX/XXXX, I finally speak to supervisor and was told that my reward was denied because my name was not on the email but only my husband 's name was. I told her that no one told me this and that this isn't fair because I opened the account for this reason and I believe I was not clearly informed of what was needed. 

I want to file a claim for {$300.00} to be received due to my doing all the steps correctly and in the timeframes required and being given misleading information about if my name was on the email or not. And for the rewards employees writing notes on my account stating the contacted me via email or call because they never did.

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 2022-08-22
Company: EQUIFAX, INC.
State: GA
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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a XXXX  XXXX credit card issued by Comenity Bank. I am unable to access the account through the online login. I am unable to call the number. I am unable to make a charge on the card even though the outstanding credit is sufficient. I am on vacation and this is causing a bit of a problem. I just made a payment to them through my checking account using online banking around XX/XX/XXXX and XX/XX/XXXX. Other people are posting the same problems on social media. This is unacceptable. They are saying the system is down but it appears to be something quite serious that should be publicly announced to the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
My credit card was used fraudulently in XXXX of 2022. I am attaching my statement where the charges are found on XX/XX/XXXX and XXXX. I have tried to resolve and placed a dispute with Bank of America and after about 5 weeks they put the charges back on because they said a chip was used. The card was in my possession the entire time. The last two charges I made before the eleven charges that are not mine was at a restaurant called XXXX XXXX and XXXX in Washington DC on XXXX XXXX.The charges that are not my charges are ( all on same day that I did XXXX XXXX  and XXXX ) XXXX XXXX  XXXX XXXX {$130.00} XXXX # XXXX {$320.00} XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$160.00} XXXX XXXX Va I do shop at XXXX sometimes but never at XXXX I do not like this store. {$310.00} XXXX XXXX {$49.00} XXXX XXXX XXXX {$19.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX XXXX XXXX Va {$44.00} Please help with this issue I am a Washington DC XXXX, XXXX XXXX XXXX, with XXXX on my XXXX and make a very good living. I have no reason to be filing this except I feel like my character and finances are in doubt. I am very unhappy how Bank of America is handling this I have been with them many many years about 20 and Have no reason to try and fraud anyone. XXXX XXXX. I was issued a new card

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 2022-09-21
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:
To whom it may concern, I am writing a cease-and-desist letter to remove the following information from my credit report and stop reporting this on my credit report as a collection account. Procollect actions continually violate the Federal Debt Collection Practices Act ( FDCPA ). Procollect continues to report false information on my credit report and fails to provide proof that I owe XXXX Apartments. For over a year, Procollect failed to provide information or evidence that I owe XXXX Apartments. I have provided valid information and documentation showing that my final bill was paid before moving out due to neglected damages by XXXX XXXX. 

As stated through verbal communication and email for over a year now with staff from Procollect, this account has been settled. Furthermore, the Property Manager and staff said that I didnt have to pay the termination fee due to damages to the apartment from XXXX XXXX XXXX. My apartment suffered significant damages from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, which the apartment management failed to fix promptly. We were without running water, and the water pipes burst, causing an unsafe living environment due to mold for my family and small kids. 

I request that XXXX XXXX XXXX, XXXX remove this from my credit file immediately. 

I appreciate your help, and I look forward to hearing from you. 

Sincerely,

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$530.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-28
Company: EQUIFAX, INC.
State: GA
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 have several unauthorized inquiries on my Equifax from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to Equifax and disputed the information and was unsuccessful I also have several unauthorized inquires on XXXX from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I kept receiving calls from s company called genesis. When i finally got a chance to answer their call, it was brought to my attention that i have {$2300.00} in unpaid rent at a unit that ive never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: SYNCHRONY FINANCIAL
State: CA
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:
There were multiple inquiries made on my credit about an auto loan. I did not authorize all of these inquiries.

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 2023-01-13
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation