BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-08-18
Company: Absolute Resolutions Corp.
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:
This company has been inaccurately reporting credit information to the 3 bureaus which is effecting my credit and havent been able to verify the account so they have now took the item from an open collection status to closed. I have tried to dispute this collection several times and still haven't got the the account removed. I also contacted the XXXX they said they would send me information verifying this account and never did that as well. According to the CFRA laws, if an account can not be verified or reported 100 % accurately it need to be deleted asap from all the credits bureaus. I have attached a copy for my recent credit report on XX/XX/2023 FROM XXXX Reference # XXXX and underlined everything in RED that has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: DISCOVER BANK
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:
Ive been a victim of identity theft several times. Ive explain that to discover numerous times. They still sending Back letters stating that is valid. This debt from identity Theft is hindering me from acquiring apartment and gaining new lines of credit. Its so unfair to me that Im being forced to pay a debt that I didnt acquire. I wasnt showed a signature or copy that I gave consent to open account with them. I had a fraud alert on my credit report prior of this account been open. The thieves were able to by pass that.Ive submitted the identity affidavit to this complaint please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MD
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:
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 an 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 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a bill from XXXX XXXX XXXX dated XX/XX/XXXX of 2021 about a collection notice. I contacted them via by phone call to settle the debt. I requested that they send me a verification letter in the mail to verify that this account is in fact mine. They refused to send me any kind of documentation besides the bill. I also requested a debt settlement letter on XX/XX/XXXX of 2021 have received no response from them. I asked for verification and I have yet to receive said letter in the mail. The collection agency continues to charge interest fees and reports it to the Credit Bureau. I have tried contacting them to settle the debt but they refuse to take any kind of payment via mail or by phone call. When I do contact them by phone, they belittle and use obscene language.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I saw the Capitol One Savor One credit card advertised throughout the internet with a {$200.00} bonus on {$500.00} spend within the first 3 months and it is advertised as such to this day on their website. I applied on the capitalone website and my application required additional identity verification. I called in and that department stated there are not any special " links '' to be eligible for that offer unless you are doing a referral link from a friend family member & I should be good. Fast forward a little over a week later, I finally receive my card and I call customer service to verify the offer and they tell me that my application did not include that offer and could not tell me why, which I can't understand since I have excellent credit in the near XXXX or XXXX. I feel like I have been bait and switched by the welcome offer presented on their website, I am unable to get help via phone and that is their only method of communication or escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit 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:
On XX/XX/2023, I went on the XXXX XXXX website because there was a notification that my flight was canceled to call to get a new reservation. When I called XXXX they to me that in order to get a flight from XXXX back to XXXX I had to pay I argue with the agent for a while and ask why would I have to pay if XXXX canceled the flight, I could not get a flight back to XXXX XXXX on XX/XX/2023, so I continue to argue with the agent, and told him that I would book the flight however I was going to call someone higher in XXXX and complain, so I paid with my Bank America card XXXX, so I hung up and called XXXX complaint line I gave the agent my confirmation number and the telephone number I called, he told me to hold on so he could check, when he returned he started that the number was not a bank American number even though it was on their website, he went on to say that it was a scam. He told me to immediately call my bank to notify them and for me to change my password. I called BA and told them what had happened and they stated after checking my information that it was a fraud how ever because I paid them voluntarily that they could not give me a refund, so they gave me your website and another website to file a complaint.

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 2023-08-21
Company: WELLS FARGO & COMPANY
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:
XX/XX/2022. I called to Wells Fargo Home Mortgage for a discussion of mortgages, but did not authorize a mortgage application nor a credit check. I repeatedly and expressly forbid a hard credit check to its aggressive agent. I already knew my ( high ) credit score. 

I learned later that despite my warning, Wells Fargo committed fraud and identity theft by processing a hard credit check without my permission, through XXXX, which produced published harm to my credit score. When I complained, the Wells Fargo " Executive Offices '' unilaterally denied any wrongdoing. Wells Fargo seemed to be fully aware of the their wrongdoing but instead, denied it in order to protect the resulting benefit to itself. More specifically, the agent benefits by processing as many mortgage applications as possible. 

XXXX says it only allows their clients ( Wells Fargo in this case ) to make determinations and final conclusions in response to consumer complaints. Again, this results in the automatic denial of any fraud or other wrong-doing.

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 2023-08-10
Company: Spring Oaks Capital, LLC
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:
Initially, I filed this report on early morning XX/XX/2023. It has been 15 calendar days without any response from this debt collector and have yet to see any sort of response from Spring Oaks Capital , LLC in response to both of my disputes/complaints filed with Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX The last contact I have ever had with this company before this ordeal was about six months ago, when after repeatedly calling this debt collector I finally had someone answer the phone. At this point, after explaining my situation as a terminally ill patient that wants to make sure that I do have my credit in order and on point in case of emergency and that I dont know who they are, but I do have a feeling that they are still trying to collect on a debt from XXXX XXXX XXXX that is associated with XXXX XXXXXXXX that was settled from years ago and was appearing to still be continuously sold around that it was fraudulent reporting they responded with tough luck if you have XXXX, you better get your debts taken care of so you dont leave them to your family and hung up. 
Over what appears to be ignoring my complaints from both federal agencies for the last 15 days, I have noticed that the derogatory marks on my credit reports have changed, in fact, multiple times. They can manage to try to hurt the individual who just wants them to leave them alone without showing the respect of a formal response to these agencies that are helpful to mediate these type of situations. They want to be as disrespectful as possible. 
I have provided photos of the changed derogatory marks provided to my credit report, while continuing to ignore providing any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To Whom It May Concern I XXXX XXXX recently received a copy of my credit reported after dispute of items on my credit report. the items disputed were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX these accounts where deleted off of my XXXX credit report on XX/XX/2021. I've sent proof to XXXX and transunion that these items was deleted by XXXX. on XX/XX/2021 XXXX and transunion both responded updated in my report. but did not delete these items from my credit report. I'm am aware that all XXXX  credit reports must be XXXX percent accuracy when reporting.

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 2022-08-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXX XXXX separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXXXXXX XXXX XXXX XXXX card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-06
Company: Everest Receivable Services Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I began receiving emails from Everest Receivable Services last year in XX/XX/XXXX. They claimed they were a debt collector, collecting on behalf of XXXX XXXX for a debt I supposedly originally owed to XXXX Overdraft. I have no knowledge of owing XXXX any money at all. XXXX never contacted me about this so-called debt and they had my email address if not anything to try to reach out to me. I never got a thing from them or XXXX XXXX. I have a bank statement around the time they claim the debt was opened. The statement shows my account with funds in it so I was very confused as to how I owed anyone money. I was told by Everest Receivable Services, that if I don't respond by XX/XX/XXXX, they would assume I am guilty and owe the debt. I sent them a validation request letter XX/XX/XXXX and informed them that I have no knowledge of this so called debt. I received an email response from someone named XXXX at the agency. He told me they would get the information I requested to me soon. I never heard back from Everest. Last month, in XXXX, I received an email from XXXX XXXX XXXX claiming to be collecting on a debt on behalf of XXXX XXXX. I never received the validation I requested and to make it even worse, XXXX was contacting my sister and informed her of this debt I know nothing about. Now my family is concerned and I am having to explain that I have been trying to get these agencies to explain this debt and how I owe them because i had no idea I owed XXXX anything at all. I'm extremely upset that they contacted my family clearly stating that they are debt collectors trying to collect on a debt I owed to XXXX XXXX. I informed XXXX that I requested validation from Everest and was told I would get the information I requested, but did not receive a thing. I sent a second validation request to XXXX XXXX XXXX on XX/XX/XXXX. I have not gotten one response from them, nor the validation. They are not saying a word to me and were contacting my several days a week to get this money they say I owe but refuse to provide me information other than the amount and original creditor. I am attaching the validation letters I sent that will show dates sent as well as the email from Everest Receivable Services, informing me that they would get the verification information to me. I can provide the rest of the emails from these agencies if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was alerted through a number of credit alert accounts that I have ( XXXX  XXXX, XXXX  XXXX, etc. ) that a new account was opened on XX/XX/XXXX. The name of the account appears as SYNCB/JCP. 

I called Synchrony Bank and reported the fraud immediately, and they said they are looking into the matter. They assured me that I would not be held responsible for the fraudulent account that now has an initial balance of {$1400.00}. However, I am following all of the steps that I read online to ensure that this matter is resolved - my credit score is restored, the account is removed from my credit history, and the balance is removed from my credit profile. 

The open report claim number with Synchrony Bank is XXXX. Thank you in advance for your 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 2023-04-12
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: Personal information incorrect

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA, The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Patenaude & Felix A Professional Corporation
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received several phone calls from XXXX XXXX stating that I owe money to National Collegiate Trust. NCT tried to litigate against me several years ago but, was unsuccessful as they could not verify the debt and the alleged debt was past the statute of limitations. I informed the callers that the debt was past the XXXX and to never contact me again and they still call me very often.

Company response to consumer: Closed with explanation