BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Assetcare LLC  is reporting  XXXX  false accounts on my credit report. I 've never heard of  Assetcare LLC  nor have I ever done business with them, nor do I have any contracts with  Assetcare LLC. Assetcare LLC  has never sent any kind of correspondence to me in an attempt to collect this alleged debt, so since they have provided any legal documentation, nor have they reached out to me I believe this debt is in valid and needs to be removed from my credit report ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is reporting inaccurate information to my consumer reports. Reporting past due amount of {$380.00} without sending me any information about what this debt is from. I never did business or had any written contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: FL
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 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.

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 2023-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, 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 had tried to order a credit card from capital one but had to opt out because I had just recently lost my job. I paid {$65.00} towards it and they've only given me back {$40.00}. In no place or any where did it say if you decide to opt out your credit score will be effected. And they still owe me {$25.00}. 
Another incident that happened with capital one is that they wanted me to pay {$1.00} to get a loan from them and I kept trying to press back on My phone as fast as I could but I didn't understand how they've already gotten the information to charge my account. Which both incidents brought my credit score down when there was nothing in fine print or little print that XXXX bring you scores down and I am very curious as to how capital one had my information the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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 status incorrect

Complaint:
I have recently identified an issue with my credit report that indicates a 30-day late payment from XXXXXXXX XXXX XXXX However, after speaking with a supervisor on the phone at XXXXXXXX XXXX on XX/XX/2023, I was informed that XXXXXXXX XXXX  only reports 60-day late payments and not 30-day late. I have always made sure to pay my dues on time and have never been late by 60 days on any of my payments. The supervisor recognized the error from their end and told me that this incorrect information will be rectified and removed from my credit report. To substantiate this, the bank will be sending me my statements from XXXX, XXXX, and XXXX of XXXX which will illustrate my prompt payment history. I kindly request that this erroneous information be removed or updated from my credit report and updated accurately at the earliest.

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 2023-05-27
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have savings accounts and CD accounts at Barclays Bank, I am very upset I have received over 40 emails from these folks deleting my Beneficiaries and changing information on them and percentage amount. I have called them numerous times trying to get this fixed and asking them not to do this. No Bank or bank employee should be allowed to change and delete Beneficiaries on any persons account this is simply a very dangerous situation. After numerous conversations with them and me even putting them back myself they still keep deleting them. THIS IS NOT ACCEPTABLE AT ALL. I am copying the latest deletion EVEN THOUGH I have updated it myself you have deleted again Current beneficiaries Add a beneficiary NamePercentageVerifiedAction XXXX XXXX XXXX % Yes XXXX XXXX XXXX % Yes XXXX XXXX XXXX No. These are my XXXX XXXX and I want these folks either to fix their problems, and never be allowed to change a beneficiary again

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 2023-05-19
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures regarding any debt a collector puts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Credit Bureau Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Despite my formal notification to the collection agency on  X/X/2016    that the charges assessed me by   XXXX   were fraudulent and the evidence I submitted indicating that the utility company actually owed me money because of the many  XXXX  and late fees erroneously assessed to me either by or because of the utility company over the course of my 14 years as a customer,  XXXX  failed to forward the charges back to the creditor -- as required by Federal Law -- and went ahead with reporting the debt to the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX and XXXX. Excessive overdraft fees, first one against a positive balance. If after a XXXX fee your balance is negative XXXX then obviously I had a positive balance of XXXX!!! When I access my account on line I first see recent pending and cleared items. It gives me an option to bring up Full Account Activity but they tell me this is not a correct representation. Then why is this available to me to look at???? They give me different daily balances then what I see on the Account Activity. But it is pretty obvious if you get a negative XXXX after a XXXX fee the account had to be positive. If not for the first 2 fees that are wrong the next item in was for! XXXX which would have made the balance a negative XXXX  cents, under their negative XXXX  dollar thresh hold for a fee. After that I had items of XXXX, XXXX and XXXX, those would cause fees, but only three. I admit to three fees. The next item after what should have been three fees, not six was the direct deposit of XXXX. If not for the first 2 incorrect fees the balance would have been negative XXXX   plus 3 fees of XXXX dollars or neg XXXX That would make balance after direct deposit a positive XXXX not XXXX They do this all the time. They give different dates of the items clearing and different dates of the daily balances then the Full Account Activity I can bring up and look at. If what I can bring up and see is wrong then why can I bring it up. Why do I get an activity page that is not the correct order???? But like I said if a fee of XXXX makes your account negative XXXX the balance was obviously positive. The balance would have to be negative XXXX plus at least XXXX  to have been over drawn!! They can not fathom this when I say that, it is simple math. I have printed information I will send in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Skylighbank one was given to me from my employer to use for my direct XXXX XX/XX/2023 XXXX was taken out my account at a atm 4 hours away XXXX XXXX XXXXXXXX XXXX XXXX  nj from me. I called the company skylightbank and made a complaint and got a police report.the skylight bank said they were going to do an investigation. I never use atms except twice a month. At the same location around the same dates every month.

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 2017-05-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with   XXXX   for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  XXXX  's website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication from  XXXX  saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monitoring my credit score dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the  XXXX  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HELLO, I SUBMITTED A DISPUTE REGARDING A DOCTOR BILL THAT WA PAID XXXX XXXX MULTIPLE TIMES TO TransUnion LLC Consumer Dispute Center AND THEY HAVE NOT RESPONDED NOT REMOVED THI BILL FROM MY CREDIT REPORT. I'VE ALSO SPOKEN TO MULTIPLE PEOPLE AT THE DOCTOR OFFICE AND THEY WERE SUPPOSE TO REMOVE these NEGATIVE ITEMS AND TO THIS DAY STILL HAS NOT DONE SO THE HOSPITAL REPORTING THESE ITEMS ARE FROM XXXX XXXX XXXX COUNTY BA

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 2023-11-01
Company: EQUIFAX, INC.
State: NC
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:
I disputed fraudulent student loans that are reporting on my credit reports on XX/XX/ and they have failed to remove the inaccurate information. I sent them copies of the police report and the FTC Identity Theft Report. The items are still on my report and there are about 10 of them. I did not take out these loans and did not attend the schools they are associated with. 

The credit bureaus have refused to block the information reporting on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The bank on 3 occasions cashied a check that did not belong or originat from my account but withdrew the fund from my account. The teller made a mistake and typed in my account number. I requested copies of all checks the were cashied from my account to see if any other checks were cashed erroneously wrong and they will not provide copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my EXPERIAN, XXXX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiablXXXX XXXX and are in violation of my consumer rights. Requesting to permanently remove these 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Harley Davidson Financial Services Inc
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As of today XX/XX/23, Harley Davidson Financial Services has repeatedly called me every hour starting at XXXX XXXX This has resulted in XXXX calls from them already today and it is only XXXX XXXX  XXXX XXXX 

They are in direct violation of the fair debt collection practices act, which prohibits debt collectors from harassing consumers. Last month they called me XXXX times in XXXX  days, I asked them to stop harassing me, and told them that they are breaking the law by incessantly calling me repeatedly. The FDCPA states that debt collectors can not call you more than 7 times in a week!! For some reason this company believes they are above the law. 

I am again asking that they stop harassing me, and stop calling me repeatedly every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
Creditor Name : XXXX XXXX Date : XX/XX/23 Action : When contacting all 3 credit bureaus to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2019-01-18
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: Problem with balance transfer

Complaint:
I have requested to do balance transfer of XXXX dollars on XX/XX/2018 with my discover credit card, that will transfer to my XXXX Savings account. They did a transfer within a week and status got changed to fund sent where it was mentioned that usually 5 to 7days, XXXX account will receive the amount. But, even after 7 days, it dint get deposited to XXXX account. I have called discover on XX/XX/XXXX and they confirmed that i have to wait until XX/XX/XXXX and if i dont receive on XX/XX/XXXX, then, i can call again discover to raise the complaint. since, amount dint get deposited in my XXXX savings account, i have called discover again and asked them about the status, they said about starting investigation and next week they can reach about updates. today, XX/XX/XXXX th called them again, they said it may take upto 45days to find where the issue is and why this amount dint get deposited in my bcu account. Problem is, i did a transfer from discover to XXXX, discover dint have any tracking record about cash check they sent.i dont have any idea now where the money is. due to this, my load got rejected, was in a kind emergency situation that i could not resolve and facing lot of issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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