BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received phone calls and payment offers from " Jefferson Capital Systems LLC. '' They have two reference numbers : # 1 is for - XXXX XXXX {$960.00} # 2 is for- XXXX XXXX {$96.00} I do not know what either account is for and I have disputed both of them via the XXXX XXXX site for that very reason. I have done this several times. When I have called JCS and inquired about XXXX they told me the phone number affiliated with it ended in XXXX. That has NEVER been my phone number, ever. I have asked for a statement or billing affiliated with this account from both XXXX and JCS and have not be provided one ever. 

As with the XXXX XXXX, I do not know what this account is and do not recall opening it. I have also asked for a detailed statement and I have not been provided one. When I call the number for XXXX  XXXX provided by Jefferson LLC, they tell me Jefferson LLC is handling it. When I speak to Jefferson LLC, they tell me XXXX XXXX is handling it. Eitherway, I have told both of them that this account is not mine and I want a statement. I have asked several times over the last several years and have yet to be provided anything. 

Recently, Ive received charge off options from Jefferson in XX/XX/2022 but these accounts are not mine so it doesn't feel right to pay them especially when money is tight. Finally, Ive called XXXX XXXX directly today to see what can be done and have been told to do this. I believe my identity has been stolen. The amount of XXXX and {$960.00} are just too close to be coincidence. Jefferson Capital told me it is a coincidence but I don't believe it. Also, I attended XXXX XXXX  XXXX XXXX, so when I saw Jefferson Capital Systems on my credit report I immediately thought it was a student loan. There are just way too many coincidences surrounding these debts. 

Both of these accounts have brought my credit score down significantly and has cost me a lot in finance charges for other accounts I've opened and not gotten better finance rates for. 

I would have been more aggressive with this but I pursue this when I have the funds to make a payment, and the time, as I have XXXX children and twin XXXX XXXX XXXX. I also thought for a while this was college debt due to the name of the collection agency. 

Please let me know what else you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon viewing my new monitoring service I noticed a debt balance from company XXXX XXXX XXXX for a debt balance of {$1000.00} on my file that is fraud and a result of identity theft doesn't belong to me. I have filed a identity theft report and have attached to this complaint. This balance is claimed to be from XX/XX/2013 I have never used whatever service company offers this is not my account or balance.

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 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.CAPITAL ONE XXXXXXXX, and XXXXXXXX XXXX XXXX XXXXXXXX as these items were showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Financial Assistance Inc
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted FINANCIAL ASSISTANCE INC To talk to them about a debt that I did not know about. It was overdraft charges from. A bank account that I did not authorize overdraft charges. We talking to the lady ( XXXX ) she stated that she sees I just did bankruptcy and if I didn't have it paid off in 3 months it would go onto my credit report and damage my credit. I told that I could set up a payment plan but that plan was not good enough because within three months it would hit my credit and damage it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: AZ
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Monarch Recovery Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved from this address XXXX XXXX XXXX XXXX ny XXXX i relocate to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.and this Company name allied account SRVS Put me in collection Without my written consent for electrical bill for {$3400.00} Iwould appreciate if these items remove from my credit report immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account with Capital One and when I paid by endorsing my bill of exchange according to the Bills of Exchange Act they completely ignored the instructions I gave them to transfer my principal 's balance to the principal 's account. On XX/XX/, I sent the instructions with the negotiable instrument that they provided correctly and gave them 5 business days to complete the instructions, They then restricted my account. After that, on XX/XX/, I sent them the instructions again to give them an opportunity to cure and they ignored me again. on XX/XX/, I then sent them instructions the third time titled default notice and they ignored me again and also sent me another bill. I have performed in good faith according to the bill of the Exchange Act, I also sent them the laws to reference Federal Reserve Act Section 16 explaining that the Collateral Security is the Application they received. The XXXX completely ignored my instructions. I have all the proof and enforcing Federal Reserve Act Section 29. For Breach of Contract. 

Please Note every time I send communication include a copy of the instructions and a copy of the coupon. this is a pattern of non-performance. Federal Reserve Act 29.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a citizens checking account last month because there was a promotion that is going on, one of the terms of the promotion is if i have a direct deposit equivalent to or more than {$500.00}, i would get a bonus, so i set my direct deposit from my work to my citizens checking account with the amount of {$500.00}, i was also using the debit card on XXXX. Then, out of the blue, my debit card was deactivated and i could not access the account at all, i called in and they said they dont know what is going on and i will get a letter, today i got a letter from citizens fraud department saying my account was closed without any information and i still have money in that account. Why did they close my account after i completed the required activity to get the bonus? Are they trying to skip not paying me the promotion after i completed the requirement by closing my account in the name of fraud? Where is the money that was still in my account? They were also threatening me by saying that if i keep using the account then they will freeze it which doesnt make sense because they said the account is closed and i still have my money in it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: SinglePoint GI
State: NV
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: Investigation took more than 30 days

Complaint:
I have attempted to address this matter in the most amicable manner. I sent the enclosed statement ( included on the bottom of the email ) on XX/XX/XXXX and your company failed to address this matter. 

Today is XX/XX/2021 and you are still clearly avoiding to correct your mistake. 
I sent a dispute letter which was received by your company on XX/XX/2021. Your response was dated XX/XX/2021 which is more than the allowed time frame allowed by the FCRA, therefore I demand that you remove the information from my credit report immediately. If you fail to fulfill my request and if you continue to flagrantly violate the FCRA I will pursue legal action against your company. 


XX/XX/2021 To Whom it May Concern, This letter is a formal notice that GENERAL REVENUE CORP has failed to respond to my dispute letter of ( XX/XX/2021 ). I sent this letter registered mail and have enclosed a copy of the return receipt which was signed by was signed for by XXXX XXXX  at XXXX XXXX on XX/XX/2021 in XXXX XXXX XXXX The item was signed for by XXXX XXXX. ( Tracking # Tracking Number : XXXX ) As you are well aware, federal law requires Creditors to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with GERNERAL REVENUE CORP I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. The following information therefore needs to be verified and deleted from the report as soon as possible : CREDITOR AGENCY - GENERAL REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last year I enrolled into a XXXX installment plan for my XXXX XXXX XXXX Synchrony Bank account and it was closed. The installment plan was for XXXX equal payments automatically scheduled on my account and it stated that there was NO INTEREST that was supposed to be charged. It was expressed that all I had to do was make the equal payments and I would be able to pay off the balance. Well on the latest statement I was just charged over {$800.00} interest. This will negatively impact my credit and make it impossible to pay in XXXX equal payments as promised.

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 2023-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 want the inquiries to be removed. I didnt authorize the companies to run a credit check the information is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this debt due to the belief that it was an account opened fraudently. I used XXXX XXXX to dispute ans was informed it was in fact disputed and it was taken off my credit report. Now it is back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal identifying information is being sold by data brokers on the open market and internet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under XXXX ( see attached statement from XXXX, page 2, under lender details ) in XXXX. It went into repayment per the promissory note in XXXX, and it has never been paid or brought current. From XXXX I was in chapter XXXX bankruptcy. XXXX purchased the loan & re-aged the account after my chapter XXXX bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XXXX. The account is scheduled to be removed in XXXX, but it should now be deleted due to its age. 
I have attached the account statement & my chapter XXXX bankruptcy documentation. 
I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.

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 2023-09-14
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a letter to Chrysler Capital stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I deserve without ongoing conflict that my property and loan are discharged of mortgage by XXXX on XX/XX/XXXX with XXXX county register of deeds and are requesting confirmation from XXXX lien release department that from my complaint ftc # XXXX that i XXXX XXXX XXXX received a call from the XXXX federal trade commission employee on or around XX/XX/XXXX and she said ( call XXXX at this number and ask them, WHAT THEY WILL DO FOR YOU ) PH. XXXX XXXX, XXXX. XXXX XXXX, FAX XXXX XXXX. Two female employees at XXXX immediately said " we are sorry for what XXXX XXXX did to you '' and we are doing a discharge of mortgage on your property and congradulations to you on a paid up XXXX loan. TO XXXX, PLEASE PROVIDE THESE FACTS TO THE CFPB STAFF IN THIS COMPLAINT. 

XXXX XXXX has misused my identity across the board including in the name of fraud.

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: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Around XXXX XXXX  on XX/XX/XXXX - I called the customer service number. I made payments but I still had customer service call me to find out if payment has been posted.

The customer service person was slurring and sounded drunk/high. When I told him I can not understand him. He became aggressive and started yelling the answers at me.

I asked him if I have a balance he said no. I told him I keep getting calls from bill collector than he says yes I have balance. 

I told him I have 2 cards. One is store card and one store mastercard - which one has balance. He said he CAN NOT tell me.

I authorized who I am and recited last 4 numbers of the 2 cards so I know which one to pay. He kept cutting me off saying NOPE, NOPE, NOPE.

Than I told him he is extremly rude and I need a manager. He than mumbled " Too Bad '' followed by I am sorry after I mentioned I am reporting to CFPB.

This person sounds unhinged and I am afraid he has access to home address, social security number etc.

This is how peoples credit score gets impacted and creditors show missing payments when trying to make payments. 

I still do not know which account has the balance and how to pay it.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

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 2022-04-16
Company: EQUIFAX, INC.
State: ID
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:
I submitted several disputes to XXXX  and provided proof of XXXX XXXX account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX have been contacting me about a past due debt. A representative contacted me in XX/XX/2023 requesting the debt to be paid, I told them I did not know what this debt was for and requested a debt validation letter. The rep gave me the web address to the pay screen where there was no contact information on it. When I continued to question the rep about the debt in question and a signed contract, she stated that they do not have that and that they are not the holders of the debt. I stated that I was not comfortable giving an unknown company my money when they can not provide information on what the debt was for and the fact that she stated that they do not own the debt. This appears to be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
I submitted several disputes to XXXX and provided proof of XXXX XXXX  account. The account is not legally mine and I provided proof along with that the information such as payment amount and payment history was inaccurate provided solid proof. The account was delete in XXXX and reappeared in XXXX with no notice. I am still not responsible legally for the account.

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 2022-04-16
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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