BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: DISCOVER BANK
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  - XXXX  XXXX XXXX  XXXX XXXX  - XXXX DISCOVER FIN SVCS XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2021 I received a letter from Advanced Collection Bureau falsely stating that I owe money to them and that XXXX XXXX is the creditor when in fact I am the original creditor. The business seems to be impersonating a government office by using the name bureau and has no right to contact me and has been informed to cease and desist by certified mail : https XXXX XXXX XXXXXXXXXXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail I do not owe any debt and in fact believe there has been a surplus amount of monies made associated with account number ACCOUNT NUMBER XXXX. I have reason to believe and do so believe Advanced collection bureau was credited from my principle obligor trust account and money which has been credited to the bank has been missed to make investments in favor of Advanced collection bureau using this account ending in XXXX. IF this assumption is true I demand redirection of all prior payment into the name of the consumer on the original transaction, as I am not nor have I ever been aware of the trading, monetizing and hypothecation compensation a XXXX point XXXX per centum on all monies gained associated with this account as this transaction has not been equitable to me, if my assumption that I truly funded and credit this account has been making monies have been made in my principle obligors name XXXX XXXX. I demand any monies made from this transaction be returned to myself as the original creditor. 

I am disputing this alleged debt. I am invoking my specified remedy as a original creditor pursuant to 15 US Code 1692c ( c ) ( 2 ) and pursuant to a15 US Code 1692 I demand you cease any communication and collection activities of this alleged debt.

I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 49 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principle obligor. 


I have reason to believe and do so believes, without all requested documents in the affidavit herein there can be no such proof of claim by advanced collection bereau and XXXX XXXX would be liable for creating a false and deceptive form under 15 US code 1692. 

I have reason to believe and do so believe that Advanced collection bureau is committing fraud by having my personal information without my consent and I demand that they pay the invoice requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have send a debt validation letter two times on the following dates XXXX XX/XX/2021 and each time XXXX XXXX XXXX XXXX has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit files and cease all collection activities immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a stipulation with the county court for an eviction. I had to be out by XX/XX/2020 as a stipulation. The eviction was NOT for non-payment. My lease was signed until XX/XX/2020. I signed the stipulation unaware that without prejudice meant they can sue me for money owed until the end of my lease term. I thought it was suppose to cease further actions if I signed. That was not the case. I found out after reviewing my credit report that National Credit System Inc. Reported I owed XXXX XXXX XXXX XXXX XXXX , the apartment ( student housing ) I accepted the stipulation for, {$5200.00}. This balance is for rent up until XX/XX/2020, when my lease was suppose to end. I left XX/XX/2020. My room was rerented sometime in XXXX, according to my old roommate who still resides in one of the rooms and I called the XXXX and they did say it was rented. I contacted the collection agency, National Credit Systems Inc to dispute the accuracy but I am not sure what they did or what they are going to do about my complaint. I was told by Colorado Housing Authority that they can only charge me for the time the unit was vacant and once it was rented the balance I owe should reflect that. They are double dipping and it is illegal. I want the whole debt deleted from my credit report and the debt dismissed due to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
The Capital One credit card was locked when a payment was delayed in the US mail. This was due on XXXX XXXX. I made the following monthly payment which included a late charge and penalty and was due on XX/XX/XXXX. It posted to my statement on XX/XX/XXXX. Meanwhile, the previous payment posted on XX/XX/XXXX which created a CREDIT balance. 

I tried to use my card to purchase airline tickets about XX/XX/XXXX and it was turned down. I called the Capital One customer service number but didn't get the name of the service rep. he said the account was unlocked and I could proceed to use the credit card. I tried to purchase the airline tickets again and the card was again refused. At this time I used alternate means to purchase the tickets. About an hour after that I received an email from Capital One asking if the ticket purchase was an approved transaction ( not quite in those words ). Of course I replied to reject that purchase since Capital One had denied it originally and I had since completed the transaction with another credit card. Ever since the account has been locked and I have a credit balance that I can't access or use. 

After trying to use the account to purchase the tickets, Capital One said that I needed to provide a federal or state ID to help prove my identity before they could unlock the account. I provided a ND drivers license by US Mail twice. Both times I received a phone call saying they couldn't read it- it was blurry or fuzzy. The other times I called customer service, I would keep getting the same thing ; either send another hard copy or upload to them. I told them on numerous occasions I wasn't going to upload sensitive information. 

Please see the attached letter I mailed to Capital one on XXXX XXXX if I can find out how to attach it as it has some record of the numerous calls I made to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
I appreciate your time to remove some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

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 explanation
Consumer complaint received 2023-09-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I former partner of mine I believe opened an account under my name for XXXX XXXX using my information. I was unaware of this account because I have several accounts with this bank already and thought it was for one of my authorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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 am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2021-08-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
OnXX/XX/XXXX I received an email from TD Bank " thanking '' me for opening a checking account with them. I never opened any checking account with TD Bank, let alone the fact that there are no TD Bank branches within a hundred miles from where I live. 
I called TD Bank the same day and spoke with their fraud department. Initially they refused to help me, demanding more information about my identity. Reluctantly, I provided my SSN, and they confirmed that, indeed, a checking account was opened in my name, using my full identity. When I asked if there were any funds in that checking account, they could not give me that information claiming the account " is not technically '' mine. They promised, however, to block the account and told me to report the fraud incident to the police and to the credit agencies, which I did that same day. 
However, on XX/XX/XXXX I received a packet in the mail, containing cheque books with my name and address printed on them. This indicates that TD Bank either did not block the account or is too slow to address the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I called Capital one asking how much I needed to pay to east is the account. I did just that. The following month they billed me when the account was supposed to be closed and satisfied. The account ended up with interest I called them to report, they said they was going to investigate the phone call and get back to me. They never did. Asked them for my payment history to submit it in my complaint but they refused to send it to me. I called them back and a manager was going to call me back about negotiating a settlement never received a called. They have put that on my report effecting my fico score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
This is my NUMEROUS 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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX  XXXX XXXXXX/XX/2021.

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 2023-02-16
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Seller had a digital item of value, we discussed price, I submitted this on PayPal, and was going to do purchase protection. Seller absolutely insisted upon skipping that... I was young and very intent on getting the digital item of value. The seller took receipt of my sending funds, then went offline for evermore Your recipient should have the money by XX/XX/2019 Paid with ( XXXX XXXX XXXX ) {$170.00} Your backup is XXXX XXXXXXXX Exchange rate {$170.00} USD = XXXX XXXX XXXX USD = XXXX XXXX Transaction ID XXXX Contact info XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX {$170.00} XXXX XXXX Fee {$4.00} XXXX XXXX Total {$170.00} XXXX XXXX  Print details

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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, Account Number:XXXX, XXXX XXXX, Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX Account XXXX XXXX XXXX, XXXX, Account Number : 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 2021-09-02
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2021, I sent a method of verification letter to XXXX, Experian and XXXX regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed 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 2023-04-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

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 2022-07-25
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:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, Equifax and XXXX are require to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation