BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Associated Credit Services , Inc.- While attempting to collect a {$600.00} bill that is not mine, reached out via phone to advise me of a bill from XXXX  XXXX XXXX XXXX XXXX This bill was from address XXXX XXXX XXXX XXXX, I have never resided or had utilities in my name at that address. ( See attached expired federal drivers license with address of residence ) XXXX XXXX was a rental property that someone else owned/rented from and I moved before the residence 's electric was shut off, but because they are trying to add the two meters ( on the same home ) together, I am now receiving this unpaid bill, almost 5 years later. No way, it's not mine and I am formally disputing BOTH companies record of this because it is inaccurate. I did ask for a copy of the bill when I was first notified to verify it was actually mine, the address on the bill clearly states XXXX XXXX, not XXXX. All documents are attached. Please do not have them contact me, take payments from me and send that bill back to XXXX  XXXX so I can dispute and handle legally with that company. The gentleman I spoke to at Associated Credit Services was extremely rude and ignorant discussing this issue with me- he clearly has no idea what is going on and didn't care to hear it ( outside of his mindset ) He should not be dealing or handling ANY customer service issues whatsoever. 

Any questions please feel free to reach out to me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I previously had a Discover Card credit card in or around XXXX. During this time, Discover Card offered a free credit monitoring and identity theft monitoring products, which they forcefully marketed to Discover Card holders. I do not recall signing up for these monitoring tools. Then, my credit card account was charged off by Discover Card, and the debt was then sent to an outside collection agency. I paid off the debt in full, directly through the outside collection agency, in or around XXXX.Since the account was charged off in-house by Discover Card, I continue to receive excessive and unrequested e-mails from their credit and identity theft monitoring products, which I have not been able to access or use since my account was charged off ; I have absolutely no use or access to these tools because I am no longer a Discover Card credit card holder. Despite that, Discover Card continues to send me these e-mails that alert me to any new changes to my credit file or any potential identity theft, such as finding my Social Security Number on the Dark Web. There is no link in the e-mail to unsubscribe from these e-mails, and because I am not a Discover Card account holder, I have no possible way to log into my account to edit my e-mail preferences to discontinue these e-mails from Discover Card on their products that only applied to me when I was a customer with them. The e-mails are non-stop and abusive. I am also concerned that Discover Card is knowingly and willingly misusing my personal information through their credit and identity theft monitoring products. There is no reason, whatsoever, that I should continue to receive these e-mails when I have not been a customer in several years, and furthermore, there is no way to unsubscribe for their excessive and abusive marketing e-mails concerning a product I do not have any access to. These e-mails are being sent to both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My Mortgage has been paid in full and still on my credit report as open and it should be closed. 

XXXX XXXX account number # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each XXXX XXXX XXXX now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Some company I do not know opened a Bank of America Visa card account. The card was never sent out from BAC and the company that opened account charged {$11000.00} to the account in my name. I never had possession of the card nor did I even know the credit card number. Bank of America states the company is not a fraud even though there are 100s of online complaints about this company XXXX XXXX. I never signed any documents yet they produced documents with DocuSign initials. I am XXXX years old and will never be able to pay this amount. XXXX XXXX was also charged by this company and they refunded my money as they believed XXXX XXXX were fraudulent. 
I submitted 32 documents to Bank of America two times. The first time they said they couldnt find the documents and gave me another address in another state. It took me hours to put together all this information that they totally discounted. 12 of their fraud employees submitted complaints to their supervisors that my complaint was legitimate and that the XXXX card was never produced or sent 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 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-10-25
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
While I was on bankruptcy, which is still on my credit report, flagship auto finance me a truck set up numerous payment plans with me and then got my income tax and re-Poed my truck

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 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/XXXX I was charged {$280.00} on my Bank of America Travel Credit Card by vendor XXXX XXXX. I had only authorized a {$50.00} transaction, the remaining {$230.00} was added onto my bill without my authorization or consent. 

After explaining this to BoA XXXX ( 7 times over 2 months ) The amount was frozen on my ledger and a dispute was put in place. The dispute was denied. 

I have been attempting to challenge the dispute for the past 4 weeks. I've requested twice for proof of my authorization to be sent to me for my review. BoA has failed to send me proof of any signatures or any authorizations of the charge from my behalf. They sent me an EMPTY envelope about the dispute with NOTHING in it. 

I have tried countless times to resolve this, both with the restaurant/bar and with BoA, BoA has been incredibly rude to me, explaining that they have the receipt of the transaction ( obviously? ) but is incapable of sending me any documentation or proof with my signature attached. 

I was at this restaurant, and i approved the {$50.00} purchase. I did not approve any {$230.00} additional amount that was added on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Informative Research
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my formal complaint to INFORMATIVE RESEARCH about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: DISCOVER BANK
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a personal loan with Discover. I have automatic payments setup to be paid by the XXXX of the month. No problem, those are applied. 

But, I would like to pay extra on the principal amount and I asked how I can go about and do that. Here is their reply : Dear XXXX XXXX, Thank you for contacting us regarding your personal loan with Discover. 

We received your request about making a payment to the principal only. The easiest way to do this would be to combine the amount you want to make toward your principal with your regularly scheduled monthly payment. 

Any amount exceeding your Scheduled Payment amount that is included with your Scheduled Payment will be applied to your account as follows : 1. Unpaid late fees 2. Accrued and unpaid interest 3. Unpaid principal amount But, should we NOT be allowed to make extra payments on the principal amount? I understand # 1, but not # 2. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXXXXXX XXXX XXXX, Account number XXXX XXXX/DEPT OF ED, Account number XXXX XXXX/DEPT OF ED, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i got acletter from chase XXXX XXXX XXXX XXXX, ohio XXXX my email addy XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- absolutly zero help regarding two unauthorized no signature from me authorizing yhese two transfers ...

and both transfers sent to company named XXXX but both wire transfers using two diff banks um shady!

the one on XX/XX/XXXX for XXXX XXXX dollars. the second XX/XX/XXXX for XXXX XXXX dollars ... 

now when you buy with a credit card a signature is necessary to validate your purschase. debit card pin #. whherees the signature authorizing and for future why not require notorizer signatures. anyone can sign. 
you guys know my email address and whats XXXX dollars matter but if i robbed a bank suddenly swat seams abd chase does mot give a XXXX ... so i want my XXXX back the chase reference number for reporting this fraud/theft XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2022, I received an alert from XXXX  that my credit score dropped XXXX points, then XXXX points, and another XXXX points per credit agency. 
XXXX also indicated that a credit account had changed on my report. The account was for an energy company in XXXX called XXXX. 
A quick investigation would clearly show that this account is not mine. I called XXXX two times, on XX/XX/XXXX at XXXX AM and on XX/XX/XXXX at XXXX. XXXX representative stated it's under investigation. Experian sent me my consumer report and noted that the error would remain as accurate. It is not correct or valid! And not accurate. My information indicates that I have never lived in XXXX My consumer report shows I'm currently XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. At no time in 10 years have I lived in XXXX XXXXr even visited. The name on the account, per XXXX conversation, is not mine. They got the SSN correct. However, to obtain service from a so-called energy company, you must show a valid ID and other documentation to prove who you are. This XXXX XXXX ( XXXX ) is reporting incorrect information. It costs a measurable amount of time, energy, and money. I've yet to hear from the other credit agencies the results of my disputes.

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 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, TransUnion, XXXX  ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Capital One bank, specifically on a Capital One Venture credit card. 

This relates to an interest charge accrued on XX/XX/2023 to the sum {$4.00}. Yes, it's not a lot. But it's the principle of the matter. 

On XX/XX/XXXX, I called to ask about this interest charges. They explained, " There's a delay between your auto-payment date and when the funds are received. And that's why there's the interest charge. Because it compounds daily. '' Okay. 

So, I had previously set the autopay to pay the statement " in-full. '' Because I do not want to carry a month to month recurring balance. However, Capital One will not let me set a payment date earlier than the due date. Meaning, if the payment was due on XX/XX/XXXX, then Cap 1 requests money on XX/XX/XXXX, they are charging interest every day until they receive the funds, per the representative. 

This does not feel fair. 

So rhetorical question, if this is the case, why can I not set the auto-payment to fire/pull earlier? Based on the representatives explanation, it feels like they've intentionally programmed the payment settings to collects a few extra dollars here and there. 

I called again on XX/XX/XXXX, around XXXX XXXX  XXXX to ask if they'd eliminate this charge. We escalated to a supervisor who said " no. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 I was supposed to receive my social security check by direct deposit through PayPals prepaid Mastercard in the amount of {$1500.00} but it was never sent to my account. The U.S. Treasury, The Social Security Administration, and XXXX all confirmed that the amount had been sent out on the morning of the XXXX. Ive spoken to people in several different departments at Paypal and they have denied all responsibility, and have claimed the account doesnt exist, they could help me get it back through the direct deposit department, that nobody was available to help me, call XXXX because they cant do anything, and that my last deposit was actually this deposit when it wasnt. I have proof from the government that I am owed this money and PayPal is trying to deny that it ever existed. I really need help because this check is what I rely on to live and right now I only have {$25.00}.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED GOODS OR SERVICES FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES

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