BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: PlusFour, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second complaint I am filing against Plusfour , Inc for illegal collection activity. Plusfour is not a licensed consumer collection agency in the State of Florida where I reside. I filed the original complaint against Plusfour on XX/XX/XXXX. Plusfour responded on XX/XX/XXXX and acknowledged that they are not a licensed collection agency in the State of Florida. Plusfour has continued their illegal collection activity by reporting the collection account to XXXX, XXXX, and XXXX. They have reported the account three times to XXXX in XXXX, XXXX ( See attached ). I have recently been informed by my attorney that Plusfour was sanctioned on XX/XX/XXXX by the Florida Attorney General and the Florida Office of Financial Regulation for operating as an illegal consumer collection agency from XXXX through XXXX ( See attached ). As a result of their illegal activity, Plusfour restricted from conducting any consumer collection activities in the State of Florida until XX/XX/XXXX. Section 4 ( c ) of the State of Florida Settlement Agreement specifically states - Respondent shall not engage in any activity pursuant to Chapter 559, part IV, Florida Statutes, which requires a registration from the Office unless properly registered. Further, Respondent shall not act as a control person, as that term is defined in section 559.55 ( 4 ), Florida Statutes, of any consumer collection agency registered by the Office nor shall Respondent apply for any registration pursuant to Chapter 559, Florida Statutes, for a period of five ( 5 ) years from the docketed date of the Final Order adopting and incorporating this Settlement Stipulation. At this point, I am willing to cooperate fully with all State and Federal investigations into Plusfour regarding their illegal collection activities. If this account is not deleted immediately from all of my credit bureau files, I will instruct my attorney to file a lawsuit against Plusfour for their illegal collection activities, and will be seeking damages and attorneys fees.

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 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was married to a man that got married with me based on fraud to gain citizenship without my knowledge, it appears that he also opened a few credit cards while we were together and used without my knowledge dating back to XXXX to create a business " fancy juice '', when I learnt about the marriage being a fraud I informed my lawyer, contacted the immigration, filed restraining order. I don't know what happened to him an dif he is still here or not but what I know is looking at these cards and amounts I have absolutely no idea of that he was the one opening them. he told me that he will destroy my life but I didn't think that he could financially this way fraudulently opening accounts under my name and using cards. CAPITAL ONE CHECKING ACCOUNT WAS NOT OPENED BY ME NEITHER ITS TRANSACTIONS, CREDIT CARDS WERE NOT OPENED BY ME. O I ONLY TRIED TO OPEN A CD BUT COULD NOT CONNECT AS I WANTED SO JUST LEFT THE {$100.00} DEPOSIT IN THE CD AND LAST THING I KNOW CAPITAL ONE SEND ME A CHECK WITH THAT AMOUNT, CLOSES ALL ACCOUNTS I WASN'T AWARE OF, RUIN MY CREDIT I DO NOT KNOW WHICH EMAIL HE IS USING OR USED. I AM SO FRUSTRATED AND NEED HELP WITH THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 tried to get a FAFSA loan and when signing up for an account it says my SSN already in use, and showing I had a student loan during period of time that I was XXXX. Also missing stimulus checks that were paid to direct deposit while I was XXXXXXXX and I never received.

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 2020-11-06
Company: Allied Recovery Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received my first contact from XXXX XXXX who is an authorized representative for XXXX XXXX XXXX XXXX XXXX, informing me that my payment that amounts to {$40000.00} + additional pending payments ( XXXX XXXX XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents ) is now due as a result of an automobile accident which took place on XX/XX/XXXX. 

However as this is my first contact from Allied Recovery Solutions , inc . I replied by mail around XX/XX/XXXX informing them that I do not believe the debt is not my responsibility and I wish for them too verify the debt and my wishes for them to acknowledge that I dispute this debt. I also updated my contact information with this mailing since the information they have on file was wrong which included misspelled address and incorrect name I did not receive any mailings, phone calls, or emails until ... ... 
XX/XX/XXXX when I received a second notice that again was sent by XXXX XXXX informing me that they tried to reach me, I've been ignoring their correspondence and have chosen not to respond. XXXX XXXX gave me 10 days to respond and if they hear nothing from me they will take any and all action that there client feels necessary. 

I have since sent another mailing this time Certified Mail too XXXX XXXX informing her that they need to stop with all the malarky that I have not been communicative with them and I even pointed out that they updated my contact information when they received my first mailing, which I thanked them for doing so there would be absolutely no miscommunication while they verify this debt. I also informed them that I will be filing a complaint with the CFPB due to the abuse of the collection process. I have mentioned to them about the Fair Debt Collection Practices Act and even pointed too Section 808. Unfair Practices. Sub- Section ( b ) to help with my case against their collection ways. 

Due to their abuse of the FDCPA, I also informed them that since there previous actions where too ignore the verification process which i requested, I also introduced the FDCPA, 15 USC Section 1692c which i have requested them too stop ALL communication with me and since they abused this act in the near past i hope i had there full cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Transunion Credit Bureaus and the XXXX XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: NJ
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 according to 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 section 604 A section 2 : 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 2023-03-31
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Every month I have paid my Discover Credit Card bill. I paid it in full on time, if not before, sometimes even multiple times a month. However, this past month I paid the minimum amount FOR THE FIRST TIME, when it was due. I have since called Discover to make sure I have never been late or missed a payment, in which they responded that is correct. I I received an email a few days ago from XXXX XXXX that said, Discover had closed my account and it took a hit to my credit. I called Discover in which their response was there was unusual payment activity. Basically what happened, this past month I was stretch thin so I was nearing my credit limit and my XXXX put their monthly charge through, it was declined because it went over my limit. Which is fine. My XXXX pushed it again, which was declined. Again, no problem. At this time I had paid the minimum so I was still in good standing with Discover. I received three ( 3 ) separate emails from Discover : One ( 1 ) saying they have stopped reoccurring charges. Two ( 2 ) saying they had declined payments from my XXXX. Three ( 3 ) there was a message in a secure inbox to check ; which said they were closing my account due to unusual payment activity. Discover never called me to verify those were my charges or anything for that matter. They simply wrongly and falsely closed my account when I had been in good standing as far as payments go, which in turn took a hit to my credit. I have tried to right this wrong with Discover in which they have said there is nothing they can do once the account is closed and the decision is final. This is scary because I can not be the only consumer they are doing this to right now, its wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/2021 a dispute was filed with XXXX, Experian, and XXXX regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the experian, XXXX, and XXXX, they are refusing stating it meets FCRA guidelines. Such statement is false.

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 2019-06-12
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was at a XXXX Store A Rep form XXXX XXXX XXXX was offering the services, I ordered 4 XXXX  gave the rep my info and paid {$390.00} for taxes with a credit card XX/XX/2019. The deal was we would keep the same of phone numbers we had with the other carrier, when I received the phone by XXXX I called the XXXX XXXX XXXX number to try and active my cell the representative told me I not could keep the same number because the Rep at the store didn't request that, she wanted me to return the cell and buy them again. She also told me that since the lines had not been activated I would not get billed for them that only when activated the billing cycle would start. I hanged up with her and I drove to an XXXX XXXX XXXX store they could not help me there and they would not take the phones and told me I had to return them using the return labels that came in with the Phones. I did return the phones and called them to notify them of the return and that i was not interested in the service I again explained everything to them and told them I wanted credit for the taxes I had already paid on the phones they were supposed cancel the account that had not even been activated. I was told it would take a while for the credit to be given to me that first the would have to receive the phones ( which they did received. I then saw a charge on my credit card for {$430.00} on XX/XX/2019 I immediately called them and spoke to several rep because I was transferred from one to another. One of them told me it would take a while but it would be corrected. then again I was charged on {$440.00} on XXXX XXXX that day I spent over 2 hours on the phone being transferred from one rep to another not one of them doing things right. one of them said the could see no activity/usage and how could they the were never activated. I repeatedly asked to be transferred to a manager I spent numerous days and hours try to get this corrected. I don't owe XXXX XXXX XXXX. I never activated the lines the 4 iphones were returned  On XX/XX/2019 I was refunded for the taxes that I paid on the 4 iphones I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a debt collection account on my credit from credit collection service, XXXX for {$1100.00}. The debt does not belong to me. I do not have and have never had XXXX XXXX or an account with them. I also found an incorrect address where I have never lived before on my credit profile which I disputed with the credit beauros. Please have this debt cleared from my name asap thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts are fraudulent : XXXX XXXX XXXX XXXX {$880.00} XXXX  {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$2700.00}

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 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My wife filed Bankruptcy in XXXX. She had a vehicle financed through XXXX XXXX XXXX XXXX containing loan # XXXX. She was discharged from her debt in XXXX. The account was closed on her bureaus, but they are still reporting on my bureau as if the account is still opened. I have disputed this matter numerous of times with the bureaus and with XXXX XXXX. I keep getting told by XXXX XXXX to submit letter to them and they will take care of this matter. This was in XX/XX/XXXX again in XXXX XXXX.Needless to say this matter still has not been taken care of.

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 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I called capital one bank because my account was on hold and Co said I was under investigation to prove the existence of my business. CO provided me with the worngful email to submit the documents. XX/XX/XXXX I called Co and a CSR made me aware of the wrong information they gave me. I submitted 22 times the documents via email as well as I went twice to a branch to bring the original documents. On XX/XX/XXXX at XXXX capital one released my funds. On XX/XX/XXXX I received a phone call from an investigator stating that my funds were witheld again because SBA issued them a directive..I called SBA and my account is current and SBA never requested to keep my funds. CO is refusing to give me my money back. I have a time line with events, I'd number for the employees and investigators

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I certify mailed debt collector One Main Financial a cease and desist letter last week, XX/XX/21. They received the letter Monday XX/XX/21. I have continually received calls from them after Ive asked for validation of debt. Pursuant to 15 USC 1692d a debt collector may not harass, oppress or abuse any person in connection with the collection of a debt. I feel COMPLETELY HARASSED at this point, giving that according to 15 USC 1692c ( c ) I notified the debt collector in writing by mail that I, the consumer, wishes the debt collector ceases further communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions 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:
Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: OR
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:
Hello, the XXXX Experian credit score was indicated with 17 hard inquiries including a ( n ) {$1300.00} XXXX XXXX collection. The 17 hard inquiries are now erased ; a ( n ) paid for service : in addition, the XXXX XXXX collection listing has erased. The current score is indicating XXXX ; the hard inquiries cost a ( n ) consumer XXXX points ; the XXXX XXXX collection costs ' a ( n ) student about XXXX points. I want the scoring module to display the character, capacity and collateral listed within my parameter of my everything modulator ; I want the credit score adjusted to the XXXX, for a ( n ) accessible credit given my previous data and erasure ( s ). 
XXXX ) : - ) I recently sent in my XXXX letter of XXXX The letter stated the student loan in it's entirety was to be deleted. I was told of the Experian that there was a ( n ) 'unscorable ' indicated on Experian that kept my credit from being utilized and or accessible. There was indeed valid activity within the previous six months ' to where a ( n ) active usable score should have been indicated dated to XXXXXXXX XXXX XXXX. I spent time calling from ( XXXX ) XXXX, but, the Experian representatives wouldn't listen to reason and logic ; a whole lot of my valuable time wanting the Experian and credit of XXXX and XXXX to function properly. I have previous complaints regarding the FAIR CREDIT ACT report and the facts of my complaint that haven't been answered to 'success. ' This, is my complaint once again. 
Please fix the credit, thus, I may move forward with expenditures, schooling and employment, live endeavors; okay, thank you! : - ) SincerelyXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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: 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 XXXXXXXX, XXXX XXXXXXXX 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.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 con
victions 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