BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: Experian Information Solutions 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 have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

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 2023-07-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
-I am opening this complaint under the category of discrimination- I am a XXXX business owner with a credit score of nearly XXXX. I opened a Venmo credit card with Synchrony Bank in XXXX and have never missed a payment, never defaulted on the card, and paid the card off entirely nearly every month. I own a XXXX  store in XXXX  and have an excellent reputation in the XXXX  industry. I used my Venmo credit card to make purchases from a vendor on a weekly basis. These purchases would range from {$300.00} - {$3000.00} and were always paid off quickly with no issues. 

I received a letter on XX/XX/XXXX which informed me that my account had been closed to do.. and I quote, " Risk of not paying '' Again, I have never missed a payment on this card and regularly pay in full. 

I did attempt to reach out to customer service and spoke with a supervisor. I was informed that no further information could be provided and there was nothing that could be done. I was also then informed that the {$150.00} in cash-back credit rewards would not be paid out due to the closing of my card. 

I am completely convinced this card was closed because I always paid it on time and they never accumulated interest. I have all records to show my XXXX  payment and am happy to provide them. This is discrimination against a hard-working, honest, tax-paying business owner. 

I am very frustrated, concerned about the impact this has on my credit score, and researching legal action. This is the land of the free, I will go above and beyond to expose such activity and have all the documentation to prove my case.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-07-19
Company: Williams & Fudge, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt to my old university of a few XXXX dollars, basically for the past 2 years Ive been called non stop it used to be once a month then once a week then daily now its 2-3 times a day, Ive paid some of it before but I dont even see the debt on my credit report and its supposedly in collections Ive told them I just cant afford to pay on it at the moment but its just constant with these people calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Bread Financial Holdings, Inc.
State: MI
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 refuse to conduct a proper investigation from my dispute, and delete account reporting by email COMENITYBANK/VICTORIA. 

The following are the reason ( s ) why COMENITYBANK/VICTORIA should be deleted from reporting with XXXX : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted. 

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Victim of ID theft, I am being contacted about a debt in the amount of XXXX dollars By Conserve/XXXX XXXX. I have no business with this compnay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was recently the victim of a fraudulent unemployment claim filed with the state I live in. When attempting to work with the credit agencies, I realized how terrible their security STILL is, even after the Experian data breach. 

For example, I am able to alter my Experian contact information and conduct other account actions with only my SSN and my DoB. That allows an attacker who has illegally obtained that information to effectively alter and modify your credit report agency file. 

From what I can tell, NONE of the three credit bureaus have implemented any kind of two-factor authentication using rolling codes or even token devices?! WHY!!!!?!?? 

As it stands, I am effectively locked out of my Experian account, unable to login, unable to reset my username or password. I am unable to actually SPEAK to anyone at Experian as I have tried every option in their phone tree that again, authenticates me using nothing more than my SSN. 

These credit bureaus needs to step up their cybersecurity game.

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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:
Capital One advertises a {$200.00} new cardmember bonus if you applied and qualified for their XXXX XXXXXXXX credit card requiring excellent credit. I did that ( my credit score is XXXX, according to CapitalOne CreditWise ) and the card was approved on XX/XX/2023. After I fulfilled the {$500.00} spend on XX/XX/XXXX ( within the XXXX 3 months ) they refused to provide the advertised {$200.00} credit saying the card I applied for on their website did not offer the bonus. Case # XXXX was created by XXXX XXXX XXXX ) to research this. On XX/XX/XXXX I received an email from CaptialOne that stated, " We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. '' On XX/XX/XXXX I was told the Capital One phone supervisor XXXX that their computer system had a glitch and had me apply for another version of the XXXX XXXX Card that doesn't require excellent credit. However, the website where I applied stated " Credit Level Excellent '' below the card image. See : XXXX : XXXX After I was pre-approved, the webpage and email stated I'd receive the new card within a few business days which I did. No notice that card did not have the advertised {$200.00} new cardmember bonus attached to it. 

No replies from Capital One to any of my emails or voiced complaint about their website glitch : apply for card with excellent credit but get approved for a card which doesn't require excellent credit and doesn't have {$200.00} new card member bonus. 
Please refer to uploaded doc which is contains all relevant emails. 
Copy/paste of last email sent : On Sat, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : Case # XXXX Please post the ADVERTISED {$200.00} rewards credit to my XXXX  XXXX cardending in XXXXand confirm via email. Kindly read previously sent email ( below ) for which there was no reply CFPBXXXX XXXX, FTC and socialmedia complaints in progress and will be filed on Monday XX/XX/2023 Thanks for your consideration XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Westlake Services, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is with XXXX XXXX XXXX, it is outdated and out of the statute of limitations to report this debt. I have ask the credit bureaus and the creditor to remove this tradeline due to this inaccuracy.

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 2018-04-11
Company: ECMC GROUP, INC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My son attended XXXX XXXX XXXX for less than one quarter. 

The college was to refund unused monies and, either never did or it fell through the cracks. 

We have provided them evidence, and tried to resolve this for nearly three decades. 

ECMC, in a letter dated XX/XX/XXXX, has finally agreed the funds were never refunded by the college, as they should have been in XX/XX/XXXX, but expects me to pay their collection costs, etc, on a debt we never owed. 

This has, in my opinion, been thirty years of government overreach and harassment. 

I ask you to please look into this matter and help resolve this egregious situation. 

Thank you.

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 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Ceast & desist Re : Notice to Cease and Desist To Whom it May Concern ; NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/2022. 
While checking the above report, it came to my notice that your Company has furnished an account on my report. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums.

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation Sincerely, XXXX XXXX XXXX  Beneficiary ALL RIGHTS RESERVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: IA
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:
According to US Code 1681a ( f ) ,1681b ( 3 ) and FDCPA regulation, repossession in order to pay/settle on a debt as well publication of list consumers who have not paid on a debt other than a credit report, such as a publication at an auction of repossessed vehicle or advertisement of sale to coerce the payment of a debt, this is a violation of the FDCPA. 

I, XXXX XXXX refuse to pay this debt/account. 
XXXX XXXX has violated my rights in how they have handle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX. 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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
At the end of my previous complaints, a USAA representative and I discussed my receiving an official letter explaining their investigative process and the actions taken to insure that this does not happen to anyone else. In a phone conversation with this representative I was assured that a letter would be sent to me for my records. I attempted to contact this representative, and had to leave a message. There has been no response of any kind since then. USAA has failed to uphold their part of the agreement. I want to know what action for breach of verbal contract can be taken by the government to protect other consumers from this lack of good faith on the part of USAA. This issue has not been resolved as per agreed to and needs to be reopened until USAA has fulfilled the stipulations of the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BARCLAYS BANK DELAWARE
State: IL
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:
I was double charged twice for a purchase I had canceled. The merchant refunded only one of the charges. I filed a dispute 4 times with Barclays Red Aviator Mastercard and they kept sending me a generic letter saying I was refunded. I called 9 times talking to representatives, they all saw the error of the double charge with only one refund and filled a claim. 
The dispute department closed my case again with another generic letter saying that I received my refund!! 
I wrote a letter explaining that I was only refunded for one of the charges. 
They clearly did not do an adequate investigation, because I got the same generic letter again!!! 
No one from Barclays would call me. 
I Called again, a representative told me my case was closed and to write another letter. They also saw the double charge with only one refund, and opened another case ( 4th one. ) That was yesterday. They clearly did not read the claims or did a proper investigation. If they did they would see the double charge.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: IL
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  : # XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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 a 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 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 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 2020-10-05
Company: CBC Companies, 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:
XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2020 Status Collection account. {$570.00} past due as of XX/XX/2020. 
Status Updated XX/XX/2020 XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine

Company response to consumer: Closed with explanation