BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: PA
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 : aod XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 explanation
Consumer complaint received 2022-04-11
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been putting on/ taken off back n forth a debt of {$260.00} on my credit report for a couple years now. I call them, dispute the item they claim I had for XXXX XXXX they can not provide me any info it was mine, they delete from my report and within a week they put it back on my credit report as a collection. 
They have damaged my credit report, therefore XXXX asking you for help in XXXX them delete their collection off my credit report immediately. They took off again last month and put back on. Please look into this as iam getting nowere on/off. I been disputing this for XXXX XXXX XXXX  and again they take off and within s week or so they put this back on my credit report. 
Thank you XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Central Portfolio Control Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted this company in XXXX and XXXX for proof of account. They are reporting a {$100.00} account on all three credit bureaus. I have also contacted my state Attorney General office and they are not legally authorized to collect in the state of Nebraska.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
QVC Credit card ( QCard ) company claimed, per a XX/XX/XXXX letter, that after careful review, they decided to close my account due to two XX/XX/XXXX and XXXX {$50.00} extra ( in addition to my timely monthly minimums ) payments did not clear my bank. 

No careful review occurred because prior to XX/XX/XXXX, no payments were ever rejected!!!! 

Unfortunately, due to apparent discrimination ( ex.name profiling ), QCard could have at least first sent a letter of warning so that I could have a chance to show proof of my checking account funds availability that would have honored my {$50.00} payment! But instead they acted with malice in their attempt to cause me financial harm and canceled my Qcard. Very bad customer service.

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 2023-12-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a fraud issue where someone stole my information and gained access to my account. This all happened XX/XX/XXXX as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. I fast forward to XX/XX/XXXX my account was locked I could not log into my online banking I call and was told my account is being closed and I would receive a cashiers check I asked questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me. I then decided to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity could be confirmed. I spoke with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. I left for a second I came back because I needed to speak with a banker about my situation the same instance happened I spoke briefly with a banker for the second time still the banker did not ask for my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. I went to the branch because it is the closest branch to where I live I usually go to the branch that is a town over from me. After leaving I called the risk and closure department and asked if I could pick up the cashier 's check in person I was told no it has to be mailed and it would take 10 days. The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their ID and social to verify their identity and then issue the check once identity has been confirmed in person. I contacted the risk and closure department today XX/XX/XXXX I was told my account would be closed on XX/XX/XXXX this is a big problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX  my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to also mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A month from now is unacceptable please please please help get this resolved sooner.

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 monetary relief
Consumer complaint received 2023-12-07
Company: Dovenmuehle Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/ to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/ I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/XXXX  I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/ I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/ I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property. There is no record of those funds in Missouri 's unclaimed property database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I entered a consumer credit transaction with capital one. I use my credit card pursuant to 15 usc 1602 ( l ) and granted them the right to extend my credit to me. In addition capital one started to send me deceptive forms pursuant to 15 usc 1692j with a statement posting a positive balance and doing unfair practices collecting on an alleged debt that has a finance charge pursuant to 15 usc 1605 which is the some of all charges including interest rates. I sent out a cease and desist letter to capitol one and they keep sending me statements via the capital one app

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, 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:
I recently checked my credit report and saw fraudulent accounts. I been making multiple attempts to contact hem they 're constantly changing there point of contact which is making it had to contact them. Meanwhile, they are reporting inaccurate accounts with proper validation and in violation of section 609 of the Fair debt collecting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2019-11-04
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The creditor listed as Convergent Outsourcing , Inc. has listed an account as a new collections account, causing a derogatory  mark on my credit report. This debt has already reached the statute of limitations in NY and has been removed from my credit report previously. This is an old debt that is being reported as a new debt. 
This debt collection agency knew that this was on old debt and did not disclose to me any of the following information : Tell me, that the statute of limitations may have expired ; Tell me, that it is a violation of the federal FDCPA ( Fair Debt Collections Practices Act ) to sue to collect a debt for which the statute of limitations has expired Tell me, that you do not have to admit to owing the debt, promise to pay the debt, or give up your rights regarding the statute of limitations Tell me that, if you do admit to owing the debt or promise to pay the debt, then the statute of limitations my restart so that the debt collector can sue you on that debt. 

Also, it reported that this debt was opened on XX/XX/2019 ... I have not received any letters ( bills ) or contacted in regards to this account being opened. I also did not recived any past due letter for not paying for 60 days, 90 days or 120 days. it was just reported to my credit report on XX/XX/2019. 

I was contacted over year ago by the company. The representative was extremely rude and kept threatening to place this on my credit report, even though I told him it had already past the limitations and could not be reported. He was nasty and told me watch them report it and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Newport Intermediate Inc.
State: CT
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
As compensation for a program in which I participated in XXXX of XXXX, I received two prepaid cards from " Prepaid Digital Solutions '' for {$590.00} each. I tried to use the cards, but wasn't able to charge purchases to it. Before trying again, I contacted " Prepaid Digital Solutions '' to confirm the balance. They told me the card numbers are expired. I asked them to reissue the card numbers but they refused and told me the balance on the cards is forfeited. I was not aware that a prepaid credit card can have an expiration date, let alone one that is so short ; else I would have tried harder to get it to work it before that date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Over the past several months I have been going back and forth with Experian in regards to inaccurate information on my credit report. Throughout this time I have suffered sleepless nights, XXXX XXXX XXXX because of this situation. Experian has been reporting inaccurate, invalidated and unverifiable items on my credit report. I have requested a reinvestigation in regards to these items but here we are 6 months later and the information still is inaccurate. At this time, I am again asking the CFPB to help me get this inaccurate information removed from my credit report. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681 e ( B ) and 15 U.S Code 1681 these accounts are in violation of not reporting 100 % accurate. Listed below are two egregious examples that I have noted on my credit report. There are several other incorrect accounts but these two are the most notable ones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This should be against my HIPPA rights! 

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX It is not possible to open a account on two different days. This account is inaccurate and has been inaccurate since I discovered it back in XXXX. XXXX and Experian CONTINUE to report this inaccurate account. It should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Once again this disputed account is inaccurate. But XXXX and Experian CONTINUE to violate my rights and report it inaccurately. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( & ) Method of verification- Description of reinvestigation procedure.

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 2023-12-04
Company: National Credit Systems,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:
To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX Apartments in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX Apartment incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, XXXX, and XXXX. We submitted written request, which included XXXX certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX requesting to remove the collection balance from our credit reports. Action dates : 1 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and XXXX. 2 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 3 ). Beginning XXXX through XX/XX/, multiple attempts made to XXXX XXXX Apartment to correct the issue they initiated. No response. 4 ). On XX/XX/, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/, the dispute is still active. Additional details available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX .... Balance : {$9300.00}

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 2023-01-06
Company: Firstsource Business Process Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continuous calls for a debt for someone not in household. Told no one here by that name and calls continue. Claim to be First Source Advantage. XXXX  was the caller this time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Problem with customer service

Complaint:
There was a fraudulent charge on my credit card and they refuse to remove the charge. Even though the charge was made in another state and the purchase was made by a totally different person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: LA
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 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C1681 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 of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.

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