BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2020 I filed a complaint of fraud. Someone in XXXX was using my Direct Express without my permission. Direct Express was very good, getting money back to account very fast. They then issued me another card # XXXX XXXX XXXX XXXX but it would not work. Issued another card # XXXX XXXX XXXX XXXX which I was not able to use. After many times of calling Direct Express and holding an average of 45 minutes, the line was disconnected. I wrote them a letter about the situation but was never answered. I need my money, that is my bill payment money. I do not what to do. My balance is about {$1700.00}. What should I do.this is upsetting me so much. My SS # XXXX. 
Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FILE A COMPLAINT REGARDING FAILURE TO MOV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: U.S. BANCORP
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:
Response to Erroneous Credit Card Application Denial REF : XXXXXXXX XXXX XXXX XXXX Dear usbank I am writing in response to an email I received from your bank regarding the denial of my credit card application. However, I would like to clarify that I have never been a customer of your bank, let alone applied for a credit card through your institution. 

I am deeply concerned about this situation as it suggests a potential case of mistaken identity or fraudulent activity. Given that I have no prior association with your bank, I find it alarming to receive a denial for an application I never made. 

I kindly request that you thoroughly investigate this matter and cross-check the information in your records. It is imperative to rectify any inaccuracies promptly and take appropriate measures to ensure the security of my personal information. 

In light of these circumstances, I urge you to provide me with detailed information about the credit card application, including the application date and any associated personal information. This will enable me to assist you in unraveling the source of this confusion and resolving the issue at hand. 

Furthermore, I would appreciate receiving a written explanation concerning the denial of this credit card application. Understanding the reasons behind this decision will not only help me address any potential concerns but also aid in safeguarding my financial reputation. 

I trust that your esteemed institution will treat this matter with the utmost seriousness and take immediate action to investigate and resolve this discrepancy. Your cooperation and prompt response will be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: CT
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:
I have an account on my credit report that does not belong to me. My information was obtained under false pretenses.That is fraud. There is also a name and address that needs to be removed and there are unauthorized inquiries as well. I reached out to the company and I've been waiting for a response. Also there was an alert on my credit report that said on XX/XX/XXXX I opened up an account with XXXX XXXX XXXX, I opened no such account, this is fraud. I contacted the bank and they said someone in Michigan opened up a business account with my social. I made a complaint online and will be going to the bank tomorrow to make a formal complaint. These fraudulent accounts and inquiries have affected my credit report in a negative way and my credit score has been affected in a negative way as well. These accounts do not belong to me and the information they have provided has not been properly verified. This is fraud as well. If they respond saying that these accounts were verified. I would like to know how they verified these accounts. How my information was obtained. I would also like to know the name of the person who verified the information along with the the company who furnished the information to the credit bureau and legal action will be taken at that point. This is my second complaint and attempt to rectify the situation and nothing has been done. I made a complaint and that complaint was sent to the creditor and they took my address off of the complaint and updated it in their file. They were allowed to steal my address and update their information because they never had it. I have no lien against me nor have I been to court or had a judgement placed against me for any reason, so this harassment and this falsely verified account is illegal.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This {$100000.00} student loan account has already been disputed with Experian and resolved as paid in full. The {$100000.00} Forgiven/paid in full as part of Public Service Loan Forgiveness ( PSLF ) Recent payment {$100000.00} as of XX/XX/XXXX. Now the same {$100000.00} has been unlawfully re-aged by XXXX and Experian as if owe it again. And re-appeared after it had been disputed and investigated and documented by Experian as Paid in Full as my new balance and inaccurately as my new balance. Even though as can be seen XXXX Account information had zeroed everything in my account from Principal Amount {$0.00}, monthly payment {$0.00} Pay off Amount {$0.00} The loan has been Forgiven/paid in full and should be reported as /paid in full to credit agencies Per XXXX XX/XX/XXXX, Letter : Despite XXXX XX/XX/XXXX, Letter : Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective 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 2023-04-27
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:
I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022

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 2021-06-19
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got an email stating that I will receive my security deposit back and my credit limit has been raised from Discover on XX/XX/2021. That I should receive a check within 5-7 buisness days. I call each month and while the staff is friendly and seems helpfully on the surface, I get different answers and responses. My last conversation ended with a supervisor giving me his word that he will follow up on the XXXX of XXXX due to the policies to see if I still haven't received the 3rd check they have told me they have sent out. He will call to expedite the 4th check. Well. It is the XXXX of XXXX and I haven't received a call nor will I expect to receive one. They keep trying the avoid accountability by said the United States Postal Service isn't making due with the delivery. That it possibly got lost in transit. While I under stand that is a possibility, the odds after 3 checks is highly unlikely and a miscommunication on the address is not possible as they ask to confirm my mailing address everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Account information incorrect

Complaint:
To whom it may concern, I have made multiple attempts to reach out to Experian to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Experian has failed to follow federal laws as outlined by the FCRA. 

These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has been ignored. I have proof of my letters being delivered on time through USPS certified mail. There is absolutely no excuse that in the last two months Experian has refused to respond. 

I would appreciate your help in resolving this issues and helping Experian comply with the federal laws made to protect consumers such as myself. 

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 2018-08-22
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is trying to collect {$800.00} for XXXX   that I have disputed. XXXX XXXX has done nothing to resolve this issue and has been unresponsive in resolving this. 

I offered a pay for delete letter even though this isn't my debt. There was no response. 

I believe this debt is so old at the point it shouldn't be listed on the file. 

I need help in resolving this. 

Account number with convergent is 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 2023-01-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I was victim of fraud. I received a call from chase asking me did I authorize a transaction on my account, and I said no to the automated system. I then received an email that my debit card had been added to a XXXX XXXX wallet at XXXX. I don't own a XXXX phone, so I got in my car and drove to the nearest chase bank, and I got there at XXXX. Once inside the bank the chase employee that I was speaking to about the suspicious activity told me to open my chase app on my phone and he noticed that transactions were happening minutes before and while I was in the bank and they had taken {$11000.00} dollars from my checking account, so he helped me shut my account down and change all my accounting information. He called fraud services in front of me and explained to them what was happening and that the person that got a hold of my debit information had a XXXX phone and he informed them that I didn't have a XXXX phone, that I had an XXXX. The fraud person asked me if I had let anyone use my debit card and I stated no. He told me that I was insured and not to worry and that I had fraud protection, and the money would be returned in XXXX business days. I waited 3 days, and I called XXXX XXXX XXXX just to see if they found out anything, they told me not to worry and I would receive the credit for the money. I waited for 10 days, and I called fraud services XXXX at XXXX and they told me that my claim was denied because my information hadn't changed, like email, address or phone number and they can't prove that it wasn't me. I called the bank that I went to on the XXXX of XXXX and the relationship banker called the fraud team and explained to them that the transactions had been overseas transactions because there were foreign exchange rates on my account from the same name that posted the XX/XX/XXXX which clearly wasn't me. The transactions were happening and posting after i received my new banking information. The banking officer told me that this was very strange, and she was asking the fraud team to issue me a credit because she could see that it wasn't me and I was standing in the bank as this was happening to my account. The fraud team told me that the case was closed and that it's not able to reopen. I reported the suspicious activity and was told that I was insured then told that they wouldn't honor their motto of the protection services. As the bank can see all the transactions were foreign exchange transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I can't understand why my credit score keeps going down when l have less debt. Why do transition an equafix lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX  point an the same with anorher credit card that has XXXX balance which has a max of XXXX Credit karma says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Credit acceptance corporation fraudulently misrepresented the loan that was allegedly financed by the company as a loan to the Buyer when in-fact it was a loan to the Dealership that they have employed unfair and deceptive practices to get the Buyer to pay the Dealership Loan through collections. Credit Acceptance corporation knows that it is a Lender to the Dealership but would have the Buyer believe it weren't so. The alleged amount financed is not True statement under Truth in Lending but rather they only pay 43 % of the alleged amount financed to maximize economic profits. The reason Credit Acceptance Corporation does this is because they only expect to collect 64 % of the alleged amount financed which is nothing more than the loan that they made to the Dealership for the rights to service the contracts.

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}

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 2022-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 account 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 2023-02-18
Company: CAPITAL ONE FINANCIAL 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 need the capital one credit to be readded To my XXXX credit file, XXXX took off my credit report I did not ask XXXX to remove this account please reinsert my capital one account last four of that account number is XXXX, please add this back it was not supposed to be taking off this is the second time this has happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a XXXX XXXX credit card. XXXX affected me greatly in 2020 and there were several bills including my car payment that I couldnt pay. I even lost my vehicle. I spoke with XXXX and I was supposed to be added to a program and they never added me to it. They continued to add interest and late fees. I tried to settle debt several times of the amount I actually owed like {$400.00} before all fees. They refused. Then they appeared on my credit report. The debt collector sent my acct to a lawyer. Apparently they tried to sue me for {$830.00} over a {$400.00} owed amount but I was never served. I once again tried to do the right thing and settle the debt and the lawyer stated the debt collector wouldnt accept a settlement. So I told them I was disputing the charges on my credit reports bc they refused to settle. All of a sudden a few days later I received a letter from the courts stating they filed a order of nonsuit. I never knew they tried to sue me. They want {$830.00} for a {$400.00} amount owed. I have offered several times the {$400.00} I did owe and they continue to refuse my settlement. And after repeatedly telling them to stop contacting me they continued to do so and threatened me with their lawyer and told me I now would be responsible for that {$830.00} plus lawyer and court fees. I do not like being threatened or harassed. I will no longer be offering the {$400.00} I actually had left to pay. I am willing to settle one last time but not more than {$50.00}. But if they wont accept that then the offer is no longer available and I am ok waiting 7 years for it to fall of my credit reports but I do not wish to be contacted or threatened ever again.

Company response to consumer: Closed with non-monetary relief