BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Bread Financial Holdings, Inc.
State: NC
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:
XXXX I got XXXX XXXX XXXX from XXXX XXXXXXXX and they approved me for credit. They evidently use Commentiy bank for the loan. Commenity mailed a statement that says pay your bill but they ask you to login and pay with a account number. I never received an account number. They contacted me about a past due balance, when I tried to pay them, I asked for my account number so I could pay online and they could not give it to me. Then immediately after the calls got worse. They harassed me several times a day and when I would answer they would hang up then when I would call nobody would help me. Like one person said they don't know my account number I called to speak with a supervisor and they would not transfer me. I finally told them not to call me anyone a few weeks ago. Now, today XX/XX/2023 I got a text from my sister, with an audio recording from XXXX XXXX XXXX option XXXX XXXX XXXXXXXX. This lady purposely called my family member who is not listed on any of my data. I am independent and never ever give out family members information. My sister is not involved in this and should not be harrassed like the. This hurt my feelings to have someone call my family member who is in Minnesota. I am in XXXX, NC and I have not told this company about any of my family. 
They researched my family members on XXXX evidently. I don't want them to call lmy family or me. This is ridiculous. I think they are harrassing me. I lost time from work today to call XXXX and try to report this. They told me to contact you. Please help me! I do not know what to do. I feel threatened, and that they are going to give out my credit information. I have had some issues with my bank account also. I dont know if they are doing anything with my social security number and I do not trust them. I have disputed their bill with the credit reporting agency. I don't want to be harrassed. I feel like taking out a lawsuit against them anyway because the procedure was painful and did not work. Please help! Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a member of the Wells Fargo bank in XXXX ms about 8 months ago and todays date is XX/XX/XXXX at XXXX I think it was around this time when I first got the memo from them Ill enclose my case number later on in this reference anyway I had both a checking and a savings account at Wells Fargo in XXXX ms its located on the XXXXXXXX XXXX XXXX XXXX XXXX  Ive never received any funds in either accounts that wasnt from social security and this money was for my children I have two disabled children a legal from the XXXX had been taken out on me however they was able to take my kids money out of one of these accounts I had switched the funds from ny checking account yo my savings account that morning bc they was hitting me with all those overdraft fees so thru say the reason the XXXX was able to garnish those funds was bc they werent protected funds once I moved them from my checking to my savings account and the balance hadn't changed one social security sent them thus is my banking establishment that knew I was getting funds in those accounts for my children from social security no other money nothing for myself I had an order on me from XXXX not my children so I contacted them then I contacted the department of revenue then I filed a claim through XXXX XXXX and then they set me up with ghe XXXX  by way of the XXXX I didnt understand much going forward however they said the case had been closed and I should file in small claims court and Wells Fargo has closed my account I just found. that out XX/XX/XXXX Im giving you the case number Case Number : XXXX now if you need anything else after that please contact me via email thank you in advance 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 2023-08-18
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Synchrony Bank claims I owe {$340.00} but I have no knowledge of their claim. Ive received calls and have called multiple times to get verification from them that this is an accurate claim but they never shown me proof.

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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There exist an undocumented and supported public record on my credit report in regards to a federal bankruptcy. I am submitting documentation to support the credit bureaus are fraudulently and falsely stating they have verified the source of the information from the federal bankruptcy courts, which is a " false statement! '' The attached communication from the United States Federal Bankruptcy Court of the Southern District of  Florida to the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) clearly states the court does not provide information to the credit bureaus to include XXXX, XXXX and Trans-Union. 
Also, these companies are using a practice that targets XXXX XXXX to the extent there exist a less of standard to verify credit dispute issues. In this matter there is no verification from any creditor or business there exist a debt associated with a federal bankruptcy. As well as there does not exist a verification through the use of my SOCIAL SECURITY NUMBER from the source of the public record. 
I am attaching documentation that reveals the falsehoods of these three credit 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 explanation
Consumer complaint received 2023-04-28
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to acknowledge the debt validation you sent to me on XX/XX/XXXX. While I appreciate your efforts to provide me with information regarding the alleged debt, I have some concerns about the accuracy and completeness of the information provided. 
I would like to draw your attention to the fact that the notice of collection that was sent on XXXX stated a camera fine of {$84.00}, whereas the debt validation I received does not include the original document, nor the correct amount. Instead, the document shows a delinquent parking violation, which differs from the information initially sent. I kindly request that you provide me with accurate information regarding the alleged debt as soon as possible. 
Furthermore, I have noticed that the debt validation does not state my name, but rather states " Service rendered. '' This language is ambiguous and misleading, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I request that you correct this error immediately and provide me with a new debt validation that includes my name. 
Additionally, I dispute the alleged debt in its entirety and do not consent to any further communication from your company regarding this matter. Therefore, I request that you cease all contact with me, as I consider any further communication to be a violation of my rights under the FDCPA. Please confirm in writing that you will cease all communication with me immediately. 
Thank you for your attention to this matter. 
Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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, Capital One auto finance acct no : XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00}.

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 2021-03-19
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My debit card was compromised on XX/XX/XXXX. There was six unauthorized transactions completed on my account for the amount of {$970.00} at XXXX for six different transactions. One for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. So far, I have only received {$510.00} on XXXX and {$120.00} on XX/XX/XXXX in refunds from the bank. I received a refund of {$110.00} on XXXX from XXXX. My issue is every time I call about the remainder of my money that is owed to me, Im getting false information or it is still pending. My card was compromised, Ive been violated and for as long as I have been a member of this bank, they should know my spending pattern and know my card was compromised and know I did not make those purchases. So where is the rest of my money? I dont understand why is it taking them so long to give the remaining funds that is do to me. The remaining of what is truly owed to me is {$220.00} since XXXX has already refunded me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: PR
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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to correct and remove some of the data on my credit report, but there are still some accounts that need to be updated. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX LA 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 XXXXXXXX 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 2021-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The have totally locked me out of ALL and any contact from any source Internet phone mail! Their so called assist sites do NOT WORK- see message " We were unable to honor your request. If you entered your credit card information, we did not charge you " How are we or for that matter anyone able to function financially when they control and utterly can destroy your ability to secure fiances????????? The fact they operate off shore could be a comprehnsion problem???? We need action NOW!

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 2022-02-19
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving many peculiar phone calls sometimes three a day. Usually when this has happened in the past, a debt collector is involved trying to collect erroneously. Today Alliance One from XXXX XXXX XXXX showed up on my caller ID before a restricted call which was from XXXX with XXXX XXXX XXXX XXXX, voice mail envelope caller ID XXXX. That gives me the impression Alliance One may be involved. 

The Alliance One phone call XXXX XXXX XXXX was marked as Spam Call, but I checked the phone number out and it goes to Alliance One. I missed this call and did not speak to them. I sent Alliance One two cease and desist messages one giving my phone number and one giving my email address form their website, and a message appeared saying they received the messages. I sent them the messages this evening. 

I have no debt at all and my credit report is good to excellent. 

It could be coincidence that XXXX is calling who could be a scam caller, but I don't think the call from Alliance One is. Not unless someone is using Alliance One 's phone number as in spoofing. 

A few years ago this has happened with this same phone number. A bill collector trying to collect on a debt with a phone number given to me from XXXX XXXX free government phone. XXXX XXXX and other names are asked for with this number yet today. I even had the XXXX XXXX Washington state Prosecutors office call from a problem with someone who had this number long before I did. 


Below is Message Sent To FTC, FTC Report Number XXXX I have been receiving many phone calls from people who want to help me with my debt that I do not have. I have no debt at all. Below are the FCC ticket numbers of just 5 of these people contacting me. I think it may be generated from phone number XXXX XXXX XXXX I received this afternoon that goes to Alliance One. Today is the first time I've seen XXXX XXXX XXXX that goes to Alliance One that my phone tagged as a Spam call. I was not around to answer the call. Alliance One has the wrong person. This has happened with my ****** number which is the free low income phone. I had to get CFPB to stop a bill collector once. 
I have sent Alliance One two messages to cease and desist or I will file a law suit against them and all their affiliates for harassment. 
I have been receiving many phone calls about helping with debt relief and paying off bill. This is the first time Alliance One 's phone number appeared in my call record. I deleted it without writing down the time. 

One time years back I received a lot of strange phone calls and it was because of a bill collector trying to collect from someone else who had had this number before me. 



FCC Ticket Numbers : XXXX, XXXX, XXXX, XXXX, XXXX are complaints file for help with credit cards and debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased a game set online from XXXX individuals. When the game arrived the game was a fake. I contacted the bank and filed a dispute. I filed charges at the police station and in the courthouse and sent the copies to the bank for proof along with the conversation with the seller admitting I was robbed. The bank em denied the claim and said the merchant doesnt want to return the money. I have fraud protection through my bank! I should be protected by then especially when I provided all the proof necessary to them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CBC Companies, Inc.
State: AR
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 innovis and XXXX are fraudulently collecting account via XXXX XXXX and XXXX XXXX that belongs to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief