BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: MA
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:
Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact Experian and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet Experian will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Opportunity Financial, LLC
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 open account with XXXX and then I read there fees and interest rate. I closed the account immediately and I never use or activated the card. Then they said me emai saying I owe then {$99.00} fee. They told me they were going to take the fee off and never did. I told them I would see them in court. This wrong charging fees for no reason. Now it showed up on my credit report. I would like this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2017, XXXX  reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like XXXX  to remove these late payment reports. If they are unwilling to do so, I would like XXXX  to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the XXXX account and the dispute resolution, and two printouts from bank statements showing the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX XXXX on XX/XX/XXXX. The amount I was required to pay was XXXX XXXX dollars for my co-pay, which was paid in full. XX/XX/XXXX I received a bill from XXXX XXXX for XXXX XXXX XXXX dollars. I spoke to the manager who told me to talk to my insurance company. I spoke to billing who said I was only suppose to pay the co-pay. She also emailed me a copy of the explanation of benefits ( which is included ). XXXX XXXX XXXX reported the erroneous information to the credit bureau, which dropped my scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I became aware that my credit score decreased by 44 points, from XXXX to XXXX, during XX/XX/2020 because of a " derogatory account '' that Credit Management , LP had notified the credit reporting agency XXXX  they were collecting on behalf of XXXX XXXX XXXX. 
I contacted Credit Management , LP for first time via telephone on XX/XX/2020 XXXX XXXX to gather information. 
Contacted Credit Management , LP for second time via their website https : //www.creditmanagementonline.com/questions on XX/XX/2020 XXXX XXXX to issue a letter to initiate my dispute. 

I disputed this debt because I was never contacted by neither XXXX XXXX nor by Credit Management , LP in regards to either proof of this debt or its collection. Credit Management , LP may be in violation of the FDCPA ( section 1692c.b ) by having failed to issue me notice of the alleged debt prior to contacting consumer reporting agencies, and in doing so having intentionally damaged my personal credit score with no proof of debt having ever been presented to me. I believe this currently amounts to libel.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Called credit card company and advised of fraudulent charge of {$190.00} dated XX/XX/XXXX. Company refused to do anything including wouldn't issue new credit 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 explanation
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on my report.

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 2021-10-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
They called me like they were XXXX support and told me they could refund my money back but instead they had me download a app where he could see my Id and all my information on my phone the transferred my XXXX to XXXX now all my money gone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 2.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-04-29
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/22 I deposited {$270.00} into an atm at a us bank location. My money was taken into the machine and I received an error on the screen and a receipt stating that my money was not deposited to my account. I have called multiple times to us bank and have been told many different outcomes and assured my money would be placed in my account. To this day it has not been and I feel like the bank is scamming me. I have a receipt to provide details from the atm.

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 2020-01-08
Company: Experian Information Solutions 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 noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XXXX, XXXX, 2019 i was told that they have 30 days to responded but they have not responded to everything

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 2022-06-14
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:
Credit Bureaus stated that my accounts were properly investigated Complaint ID # XXXX. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX This was a false statement made by the Credit Bureaus because the opening date is inaccurate, and the last date reported is not accurate across all three Credit Bureaus XXXX This is grounds for removal, that also violated my rights under 15 U.S.C 1681 Section 602 A, states I have a right to privacy, under 15 U.S.C 1681 Section 604 A. Section 2, it also states that the consumer reporting agency can not furnish a account without my written instructions. Also the Credit Bureaus took more than 30 days to complete my 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 explanation
Consumer complaint received 2017-07-21
Company: LEXISNEXIS
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:
Several months ago, I suppressed my information with LexisNexis from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both LexisNexis and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. 
I have also disputed negative information being reported on my credit report with XXXX, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through LexisNexis. Now I wonder how that could be possible when per LexisNexis all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by LexisNexis. I information should have always been suppressed/frozen with LexisNexis from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from LexisNexis unfortunately the suppression was compromise and it was being reported. Suppression numbers for LexisNexis XXXX & XXXX,XX/XX/XXXX & XX/XX/XXXX. LexisNexis per XXXX, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I closed my Barclays Arrival XXXX XXXX XXXX XXXX on or about XX/XX/2021. There was a balancing remaining on the account that needed to be addressed. I called Barclays and we reached an arrangment that saw credits of {$150.00} and a payment by me of {$5.00} to zero out the card. When I made the {$5.00} payment, Barclays inexplicably assessed a late fee of {$2.00}. Barclays continued to assess fees, interest, late payment penalties, and minimum charges to the account after our arrangment unbeknownst to me, and Barclays started reporting my account as delinquent. I have been denied financing at the best rates and my credit score has been ruined.

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 2022-06-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2017-12-01
Company: EQUIFAX, INC.
State: CA
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 applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) Capital One ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, on Wednesday, XX/XX/XXXX, XXXX XXXX ( ET ) I sent an email to XXXX XXXX about charges on my Victoria Secret Credit Card for a Debt Cancellation program that I didn't sign up for. I was instructed to contact the 800 customer care number and cancel the account. I made contact with a rep and was told everything was cancelled. I also unrolled online aswell. I followed up a few months later noticed i was still being charged and I started sending emails. 
I was told the account was enrolled from XX/XX/XXXX, through XXXX XXXX, XXXX totally of {$100.00} over the course of a year. 
XXXX is the Rep I spoke with. 
The emails were all sent to Comenity Bank which oversees the VS account XXXX. 
Message ID : XXXX Another message was Sent : Thursday, XX/XX/XXXX, XXXX XXXX  ( ET ) Subject : Re : XXXX XXXX XXXX XXXX Message ID : XXXX I was given this confirmation number XXXX stating the full refund of {$100.00} would be processed, and it would take 7 days to get this completed. 
IS THE CONFIRMATION NUMBER THAT WAS GIVEN TO ME I WAS TOLD SHE WOULD PUT IN THE REQUEST FOR A FULL REFUND AND IT WASNT DONE. SHE TOLD ME SHE COULD ONLY REFUND ME 6 MONTHS REFUND TOTALLY {$63.00} AND I WOULD SEE THAT ON THE ACCOUNT WITHIN 2 BILLING CYCLES. 
XXXX IS THE REP # FOR XXXX ( SUPERVISOR )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 - received information via mail about XXXX attempted credit cards being opened in my name. They were denied which is concerning as I have great credit. 
XX/XX/2022 - called both companies to report fraudulent attempts at obtaining credit card. Both companies confirmed they were attempted online. Both confirmed that my social security information, birthdate, drivers license, name, and home address have been compromised. Both companies have reported the fraudulent activities and are investigating. More information to be sent to me via mail. 
- Called XXXX, XXXX, and XXXX to freeze my credit reports. 
-FICO credit score confirmed that my score has been negatively impacted by these activities. 
-Contacted this website : US Federal Trade Commission to report activities. 
-Currently on call with Social Security Administration for assistance on steps to take. 
-Will be calling DMV to report that my driver 's license number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
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 have notified the consumer reporting agencies Equifax, XXXX, and XXXX of fraudulent accounts on my credit report resulting from identity theft and a data breach. pursuant to 15 U.S. Code 1681c2 ( section 605B ) which states that these accounts must be removed within 4 business days of date of receipt.They are still on my report and this affecting my livelihood. pursuant to 15 U.S. Code 1681c2 authority to rescind and/or decline ONLY applies if : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
This request was not given on the substance of any reason to decline or rescind as stated in 15 U.S. Code 1681c2. Also keep in mind that this request does not meet the requirements for you to decline or rescind.

Company response to consumer: Closed with explanation