BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: M&T BANK CORPORATION
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 do not recall paying my M & t mortgage 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to m and t. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX  and XXXX.   This has caused lot emotional stress. Please assist with this 30 day late removal.

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Have addresses Reporting to my lexisnexis report that are INACCURATE my correct name and address is XXXX XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. I request that the following names, birthdays and addresses associated with XXXX be deleted from my Lexisnexis report XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX  XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Birthdays : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Discover Bank issued a lawsuit through XXXX XXXX XXXX when I defaulted on a loan account. The promissory note signed between Discover and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. Discover is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have a been a banking client with Bank of America for the past 18 years. I only have a credit card with them. Its been that way for the past few years. Today, I log onto my online banking and see a checking account that was opened. This account was NEVER authorized by me to be opened. I called into customer service, there was a bit of a wait time, so I had to hang up as I had a meeting I had to be in. After my meeting I called back and spoke with the fraud department. The representative was very kind and she closed the account, said someone must have stolen my identity. I understand hackers and how they can steal your information. Ive gone through all the steps to protect my identity. All of my credit reports are locked down. I use strong passwords. I dont click on any outside links that Im not expecting. Not saying it cant be done, but its harder to get me than some of my peers. 

The representative told me that the account was opened online. That means someone would have to know my user name and password. I was baffled at this. How could someone open a checking account in my name at a bank where I have an existing relationship and that bank not as much send me an email to say you have a new account. The account that was opened happened to be opened using an old address. Still nothing from Bank of America to say hey your address was changed in our system. Im not sure if you keep old addresses on file, but that old address is my Mothers address. Im still baffled by this, now why would someone who was trying to steal my identity and for some odd reason open an account in my name at an institution that I have an existing relationship with use my mothers address. 

So now Im thinking this has to be an inside job. Is there a banker somewhere trying to reach a goal and is opening up accounts fraudulently? It said the account was open on XX/XX/2023. Banks were closed. That was a Sunday. No one logged into my online banking. Below is a screenshot of my logins per online banking. There was no login on using my id and password. There was no type of transactional activity that took place on the account. I hope you sincerely look into this being done by an employee. I know you may say, no way an employee would do this type of thing, but remember the same thing happened to XXXX XXXX years ago.

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 2021-05-11
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a U.P.S. envelope dated XXXX was addressed to my current address. 
The letter inside had different address, and stated that my credit card account, wrong acct #, with a balance of {$360000.00} was acquired by Midland credit management on XXXX. 

Prior to receiving this statement, we were called on numerous occasions at all times of the day and night regarding this bill. We had told them that it was NOT my bill!!! I called XXXX  and XXXX XXXX as to the status of my account, and was told I had a zero balance and do not pay any money to Midland! 

After receiving the letter, I called XXXX XXXX and they cancelled my Account and issued me a new account It is now XX/XX/2021 and this issue still remains. I have disputed this bill with XXXX XXXX on XX/XX/2021 and is still in process.Est completion date is XXXX XXXX I am still rec. calls from Midland, telling me to file police reports fed trade reports and give them numbers. 


THIS is all a mistake, the original address was wrong, the credit account number was wrong!!!!! The only thing that was rifgt was my name!!!! 

Since midland has been involved my credit score has been lowered m bank has frozen my equity loan and I am constantly harrased with phone calls from midland!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a collection agency for a debt that I don't owe. This is fraudulent and I have attached a FTC Affidavit and I want the collection account removed from my report as fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 dont have any credit because I came recently to the country so I am trying to build my credit but I didnt have any idea how to improve my credit of building so I started to learning about it and then I realize that I can check my credit report but when I saw it, I had like 33 inquiries and I dont recognize most of them and I dont really know what happened. I think that someone is using my Social Security to apply to different credit cards but as I dont have any credit history, they couldnt be approved and now that I want to apply to some credit cards they couldnt be approved because I have too many inquiries I already locked my credit file because I dont know if that person is gon na be able to continue requesting credit card so were trying to open accounts under my name. I just recognize the one from my car when I did when I came with XXXX XXXX XXXXXXXX and 2 secure credit card I have.

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: Americor Funding, LLC
State: NC
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I joined Americor as a customer. It was my understanding they would take my credit balances and negotiate a settlement to prevent me from having to pay the minimum balance and prolong the payments, saving lots of money. The program required I stop paying on my consumer credit accounts and direct all calls and correspondences to them to begin the settlement process. I had to go without paying for months and go into default. Before this, I had not missed a payment on my consumer credit for the purposes of this account. I had built up my credit with my creditors. They said No money is paid by me until a settlement is reached and once the settlement is reached I would use the funds I paid which were XXXX from XX/XX/XXXX until XX/XX/XXXXXXXX XXXX XXXX, and with a loan from Credit9 to pay the settlements and I would make payments to XXXX for the loan balance. They stated I would be able to get other consumer credit, even with the same companies. In XX/XX/XXXXXXXX XXXX  I was informed I was not approved for the loan to pay off the settlements due to a XXXX  I am currently involved. The problem is if they had asked me about bankruptcy the day I signed up, I would Not have signed up because I was aware of my XXXX. I would have continued to make payments on my credit, and still been ablt to use my credit. As a result my credit score dropped terribly due to the default and they wanted me to continue to pay them the long way, with no rebound in my credit score and hefty fees instead of being able to remove the credit settlements, which would have improved my credit. I made all of my payments to Americor monthly based on the closest payday to my payment. I later realized the charges I was paying them were more than what was going to pay in my settlements. I then opted out, I no longer opted into their program, it did not do anything to benefit me as they said it would. I have been damaged terribly, I no longer have the use of any credit which I used for my business. I have no credit to obtain any other credit. There was not 1 question asked about bankruptcy when I signed up, they had all of my information including how much credit debt I had, it was not possible for them not to see XXXX XXXX They have paid pennies on the settlements but most of what I paid was taken in fees by Americor.I could used other ways to pay my credit down but I was assured Americor was the best way to go. XXXX XXXX tried to argue with me when I canceled but I would no longer speak with him about my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Integrated Mediation Solutions LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received multiple calls from Integrated Mediation Solutions LLC between XX/XX/2018 and XX/XX/2018 regarding a loan taken out with a XXXX XXXX XXXX XXXX   d/b/a XXXX. Upon first speaking to me, the representative stated that she was calling prior to sending a judgment to my employer to resolve this debt because I failed to respond to a court summons. When I did a case search and was unable to find any filings filed by her company, she then backtracked and said that it had not been filed yet and that she was giving me the opportunity to resolve the debt. I asked for her to provide proof of the debt, and I received a form letter from her company via email ( attached ). On XX/XX/2018 I received two phone calls, one on my personal phone and one on my work phone from this company. When speaking to them, they stated that they emailed me a letter. When I asked for proof of the debt they tried to send me back to the original lender to ask for my contract. I advised that I want Integrated Mediation Solutions LLC to provide me with a copy of it so that I know they have legal jurisdiction to collect this debt. The agent/supervisor continued to try talking me out of this, and stated they would no longer be able to settle later on if I requested proof of the debt today. She stated that I was refusing to pay the debt, and I corrected her by saying I only asked for proof. I ended the call by asking for proof of the debt be provided to me. This lender violated the FCDPA by misrepresenting that they had filed a lawsuit and obtained a judgment already. They tried using scare tactics that were unethical because I wanted proof of the debt as Im authorized under law. Lastly, the original lender is not licensed in the state where the loan was obtained, and loan principal has already been paid in full. The original lender utilized an ongoing tactic of renewing the loan weekly so that it could never be paid back. Lastly Integrated Mediation Solutions misrepresented themselves multiple times - 1. Stated they received a judgement against me already, 2. Stated that I failed to respond to suit filed, 3. Stated they were representing a law firm when they were actually representing XXXX XXXX, 4.  Failed to provide the mini-Miranda stating they were a debt collector in phone conversations.

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 2023-06-10
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX  XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the XXXX delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: SYNCHRONY FINANCIAL
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company Synchrony Financial/Sams Club . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.

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: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I attempted to enter into a payment plan with the company for my Value City credit card. the company approved the payment plan but will not provide information indicating that I am in a payment plan. I need this information for my records and to verify with my current employer.

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: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2023, I shopped at XXXX and signed up for a store card offered by XXXX. In paying for the merchandise via my bank, XXXX, the payment was XXXX day late due to XXXX error. I called at least XXXX  times to resolve the issue with late fees and was transferred from person to person, spending hours of personal time trying to resolve the issue, including documentation from XXXX. From a {$15.00} late fee from XXXX they refused to credit, they continue to add fees and interest and extra charges. They leave me messages to resolve but when I call, they keep asking me for higher and higher payment amounts. The merchandise I purchased has been paid for and I do not want to do business with Comenity. I would like this issue resolved. I have many years of excellent credit and make every effort to pay all bills on time. Thank you for your help!

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

Complaint:
Company is reporting inaccurate, inconsistent and non compliant information of Experian and 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