BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts listed and a bankruptcy on my credit report that aren't mine.

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 2019-09-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
While I was in XXXX XXXX in Virginia from ( XX/XX/XXXX XXXX XXXX 2019 ) for the Florida XXXX XXXX . Some unknown company deposited a check for XXXX dollars into my account some unknown person then withdrew XXXX from my account. I got a call from USAA that my account was under review and i did not know why. I called them back to get more information on the matter and that's when I found out the above information. Apparently the XXXX fraudulent checked bounced leaving me out XXXX dollar plus bounced check chargers. I told USAA this was not my debt or no one I knew was involved in this transaction. This is fraud and theft of my account. On XX/XX/2019 USAA is trying to collect XXXX from me they told me i had 60 - 75 days to pay the debt, then on XXXX XXXX they kept calling me to pay the debt immediately. THIS NOT MY DEBT. THIS IS THEFT/ FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV FUNDING illegally Re-aged debt and implemented a false Date- of- Orignal- Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: OH
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 submitting this follow up CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}. I have included a copy of the dispute letter I recently sent highlighting these accounts for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: AR
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 are fraudulent : XXXX - {$610.00} XXXX XXXX  - {$170.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$620.00} XXXX XXXX - {$680.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I hope this message finds you well. I am writing to bring to your attention a matter of deep concern regarding our account with Exeter Finance, specifically concerning the late fees adversely affecting our credit score. 

In numerous conversations with Exeter representatives, we have attempted to address what appears to be an issue stemming from an unexplained payment reversal in XX/XX/2023. Unfortunately, we were not promptly notified of this occurrence and only became aware when seeking clarification from Exeter. Despite our proactive attempts to resolve the matter, we have been advised to " just pay it, and the late fees will fall off. '' Regrettably, this advice has not proven effective, and the lingering late fees persist, significantly impacting our credit score. 

As of XX/XX/2023, our account records clearly indicate that we are not behind on any payments. However, Exeter continues to report that we are late on payments, which is inaccurate and damaging to our creditworthiness. 

We urgently request your immediate attention to help us rectify this matter. It is imperative for us to have these late fees corrected promptly to prevent further detriment to our credit score. We kindly seek your assistance in ensuring our account is accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a collection on my credit report by the name of XXXX XXXX for the amount of {$440.00} I've been disputing this collection since XX/XX/XXXX I have no knowledge of this debt and XXXX XXXX came back verified, which i disagree therefore i took matters in my own hands called the creditor asking for a purchase agreement with my signature gave them ample time and never received it, i also advised them I'm a victim fraud. Again I reached out to XXXX to dispute and asked them to provide proof of investigation since I've been disputing it going on 6months and they also couldn't provide it. I've also provided them with my FTC report. 
I've disputed various items on my credit report due to my identity being taken in XX/XX/XXXX that is reported on my FTC along with the police report and they have failed provided me proof of their investigations to those fraud items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: Io, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 I sent a letter to Receivables Management Systems with an attachment of what I think is in error of their amount due. Their bill is XXXX and I sent copies of bank clearing checks I sent to XXXX XXXX. I came up with owing {$54.00}. I do not ever recall my account going to collections while I continued to pay XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt know follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: TN
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 sent a letter on XX/XX/2022 to Experian, XXXX, and XXXX 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this 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 2023-12-09
Company: Early Warning Services, LLC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I requested that an investigation be launched into my consumer report because there are several accounts there that were not created by me and these accounts have impacted my ability to acquire a bank account. I will attach the letter I sent to the early warning services office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-08
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I refuse to pay any debt to MIDLAND CREDIT MANAGEMENT account # : XXXXXXXX, XXXXXXXX XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language. 

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Bank said I owed for donations I made through Paypal Credit -- donations that were actually made to be paid by XXXX XXXX XXXX. I never asked or received any membership in Synchrony Bank. When I asked the bank for specific amounts paid by them as my donations they did not do so, only repeating that amount owed to them, which kept increasing with penalties and interest. Now I am getting phone calls and letters from XXXX XXXX with the debt in their latest letter of XX/XX/XXXX  that demands {$530.00}. Eight months ago I sent a registered lettering to XXXX XXXX giving the details of why I do not owe them or anyone else this amount -- XXXX XXXX never responded. Their letter today is the same as the one sent eight months ago even to the amount demanded. I am a XXXX  XXXX in the XXXX XXXX and a former XXXX XXXX in the XXXX XXXX. I do not tolerate attacks upon my person in any way.

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 2023-12-08
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Consumer believes PNC Bank breached the terms of a personal checking account promotion : {$400.00} bonus to be posted within 60-90 days of qualifying activities. 

Consumer met the qualification criteria on XX/XX/. As of XX/XX/, the {$400.00} signup bonus as not posted. 

Relief sought : {$400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. 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 2023-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a letter from JP Morgan chase that they were closing my active checking account with XXXX dollars in it on XX/XX/. 

I went to bank to close account ahead of this date and have been told that I am not allowed to remove my money without permission from their corporate office. We have been waiting for approximately a hour to get clearence. Looking online I have seen over twenty references to a similar issue with chase in the last two weeks none resolved. 

No large cash transfers have occurred recently but I have bought a new car and motorcycle and wired money to those dealers. 

I have access to my account online and in person on my debt card but have only bought lunch since then. If they close my access to this account I will be unable to pay bills or buy food until this is resolved because I have had the same single checking account for the last 20 years. 

The branch manager information is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Phone number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the FCRA law, if the credit agencies do not provide documentation of an disputed account or accounts then them accounts shall be removed. I have repeatedly fought the following accounts due to the fact they're not mines .The following accounts I'm asking to be blocked from my report. ( 1 ) XXXX XXXX , and XXXX XXXX XXXX  {$950.00}

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 explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: UT
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:
Requesting Equifax to provide physical documentation from their E-OCAR. How did you verify these debts from XXXX XXXX? How did you verify the payments and balance? None of this information is accurate. Please delete this from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing a grievance against Discover credit card for not resolving a dispute with XXXX in my favor. On XX/XX/19, I purchased a XXXX laptop from XXXX, for {$710.00}. I requested a secure, signature required delivery. On the day of delivery I was at work, 50 miles from home. According to XXXX, they dropped the delivery in the building lobby which is unsecured with more than 40 appt units. XXXX left the package with no Signature required. When I came home, the package no longer was there. The next day I filed a police report and tried to address the issue with XXXX and Discover/cc. They both are blattantly lying that the " package was delivered ''. But if the package was dropped in the building lobby, I am telling you that I do not live in the lobby neither the lobby belongs to me and even more- on the given day I was not home. Discover has not resolved the despute in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: National Credit Systems,Inc.
State: MS
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:
So I pulled my credit report around XXXX XXXX 2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XXXX XXXX 2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.

Company response to consumer: Closed with explanation