BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: The Leviton Law Firm, Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
There was a guy by the name of XXXX XXXX who stated that we owe around {$2100.00} dollars for unemployment insurance payments. They stated that they would settle for {$1500.00} and it is due tomorrow. I attempted to ask some questions only for him to ramble on for about 3 minutes about me interrupting him. He threatened that if he escalates this to the State, the State will stop all work and business until it has been settled. I informed him that I am not the owner but that I would get a message to him and he informed me that this is my responsibility as the Office Manager. I once again informed him that I do not control the finances of the business but that I would get the info to the owner. He gave me the info he needed to give and as I was about to ask him some additional questions he hung up on me. I called back and asked to speak to his supervisor. He stated that he did not have one. I asked him what his job title was and he stated it was unimportant and refused to give me his title. He hung up on me a second time. I called the main number instead of his direct line. I asked to speak to a supervisor. I was transferred to someone and got a voicemail. At this time I am filing a complaint of harassment by a debt collector. I am neither the the owner or the responsible person for the debt. Secondly he refused to provide me with his job title or allow me to speak to a supervisor to obtain further information to pass along to the owner of the business. I attempted to call the main line and was also unable to be connected to a supervisor. 

Creditor : Leviton Law Firm Caller : XXXX XXXX Title : Unknown Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2016-02-13
Company: High Point Asset Inc
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For several months I have been receiving recorded messages threatening to take some undefined action against me if I do n't return the call within 24 hrs, or by the end of the day. These calls are mostly from XXXX and occasionally XXXX and XXXX. When returning the call to the first number there is no answer. At XXXX time they identified themselves as Highpoint Assets. They ask for a person who has a similar name to mine. These calls come at least daily and sometimes more often. I did reach a person at the second number and found out it was about some credit card, which I do n't have. The calls stopped for about 6 weeks and started again recently.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-05
Company: Northeast Collection Bureau
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This agency continues to call even after I have explained XXXX times - XXXX messages and XXXX direct connection - that this number no longer belongs to the person they are seeking. My phone service identifies the number as Northwestern Debt Collectors. XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
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:
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.

has violated my rights. Or list of inquiries 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 2023-04-03
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-10-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, how are you doing? 
I recently got a copy of my consumer report and found out the my name was being use by someone else. 
Not only was it use by someone else the names are spell incorrectly. 
These misspelled versions of my name were used to open up some form of credit. 
I have no knowledge of these account with misspelling as I only use my name with the correct spelling ( XXXX XXXX ). 
My name is Spelled XXXX XXXX and there should be no other spelling on my credit report. 
I have never authorized any use of my name for any of these account and they need to be removed from my credit report. 
I will be attaching my drivers license and a copy of my consumer report with the names that are miss-spelled and accounts that don't belong to me. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, 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:
This account has been paid since XXXX and they are still reporting that I owe and its past due. Which it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a auto loan with XXXX XXXX XXXX ( XXXX XXXX XXXX ). The car was totaled and all pertinent paperwork from the insurance company was forwarded to XXXX. XXXX had placed their own GAP insurance on the auto note. There is a $ 700+ balance that they are refusing to cover by the GAP insurance. 

Repeated efforts, calls and emailed has failed to resolved this issue. There has been no responses to my email. This has reflected negatively on my credit report and has caused me to lose the opportunity to close on a home. Is this an issue that you could help me with? Please advise. Thank you.

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 2023-07-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX the XXXX I went to my local XXXX and did a cash load to my PayPal balance in the amount of {$400.00} I was only credited XXXX to my PayPal balance I disputed this with my local XXXX XXXX never gave me a resolution so I started a dispute with PayPal PayPal has given me the runaround for 25 days now I have provided PayPal with my receipt showing proof of my {$400.00} cash load and showing proof of that only XXXX was credited my account PayPal 's customer service is misleading information deceptive information that I've received on multiple occasions there is no justification for the neglectful treatment that I've received from PayPal I provided PayPal with the receipt with conversations that I had with XXXX and I continuously get nowhere with them .. PayPal has also charged me for this claim {$15.00} why am I going to be charged {$15.00} when I'm disputing my missing money does that make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello- I tried opening up a bank account with a credit union today. However, I was told that I was denied because of information that was submitted to XXXX and XXXX. The information that was disclosed to them about me was that I did several fraudently transactions to try and get money. However this is not a true statement or reflection of my character ... I have NO arrests and now they are making me feel like I 'm a criminal. As I recall, back in late XX/XX/XXXX I was diagnosed with XXXX. I was in and out of the hospital. I ca n't recall any transactions that they are stating that I did. I would NEVEr do anything fraudently. Today, I was told that this would stay on my report for 5 years. My health is better and I 'm working now ( I am a XXXX and have been for almost 20 years except I had to leave for medical purposes ). I want this deleted from my file. This is not a true reflection of me. I have to thank XXXX for keeping me alive. I want to dispute this and I want this to go away quickly so that I can open a bank account. They do n't understand how hard my life has been sick I have been ill for the past 2 1/2 years. They also told me that I owed {$50.00} for bank fees ... not any fees that I took from them. I am deeply requesting that all of this is being disputed and that it gets removed from XXXX and XXXX as soon as possible. My next pay date is XX/XX/XXXX and I am desperately asking that all of this information changes so that I can have a fresh start. I do n't recall these transactions but I have young kids and I have overcame many obstacles since my illness. I should n't have to be denied opening an account and then BOA is putting information that is not only embarrassing to me personally but if they could have saw how the bank manager looked at me when I tried opening that account. Under FCRA, I do n't deserve to be looked upon this way and I also believe that if an account was opened and this occurred, that BaoA would have reached out to me and we could have come to a resolution.

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 2016-04-24
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-29
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX or XX/XX/XXXX of 2023 I went to a time share presentation with Wyndham. They asked for my social just to make sure I could watch the presentation is what I was told. Yesterday, XX/XX/XXXX I received a notice from XXXX  and XXXX XXXX that I was signed up for a new credit card for XXXX with wyndham and it dropped my credit score. I never signed up for a new card. I reached out to wyndham over the phone and they said I did not have a record of that. I did some research online and there are loads of incidents of this exact thing occurring. This is fradulent activity and I did not sign up for a credit card and now my credit score has significantly dropped and I have no way of fixing this.

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 2017-04-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
I am submitting a formal complaint regarding my CareCredit account and request that interest be removed from my account and only be charged from the balance when the promotion ended. The original loan was for {$8100.00} and I had paid it down to {$3200.00}. Going back to the original balance is unfair and deceptive practice. CareCredit is performing like a predatory lending company and not like a bank charging interest rate at 26.99 % to low income consumers. When I called Synchrony Bank to complain and to request a copy of my signed terms and conditions they referred me to the dentist office. I called the dentist office and they said they do not have copies of the agreement. I then again called Synchrony Bank to request a copy and I still have not received a copy of my signed agreement and I asked to speak to a manager and no one has returned my request for a call back. 

Synchrony Bank should have the promotion ending on the home page on their web site when you sign into your account. Payments are also made from the home page never requiring you to open your statement. I was paying over the minimum balance and thought I was paying it off early due to the minimum balance kept going down. The emails stating my statement is ready should have the promotion ending as well. In addition, the provider never said that I would need to make {$450.00} payments in order to pay the credit card off to avoid the interest charge. The provider that offered the product was not informative regarding interest rate, payments and that the interest would be charged from the original loan amount.

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 2021-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Disputed 6 late payments entries with all 3 credit bureaus XXXX, XXXX and experian for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX  XXXX  XXXX  and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.

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 2023-04-29
Company: DISCOVER BANK
State: SD
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:
On XX/XX/2023, I received an email from Discover Card that my account was being closed due to not being able to verify personal information. This is the first email Ive see from discover regarding this. I immediately contacted Discover Card and requested additional information. I was transferred 3 different times. A Discover Card employee informed me there was nothing I could do since I didnt verify my personal information that was due on XX/XX/2023. I requested a call back from a supervisor due to there not being one on shift. I have not received a phone call to this date from a supervisor. The employee also informed me that I would have to have to reapply to be approved for another Discover Card. After looking for emails in my junk/spam folder regarding my account and need to verify my personal information, I received an email on XX/XX/2023 from Discover Card to verify personal information for the IRS to continue to use my account. It is rare to check my junk/spam mail. Discover Card also never sent me a letter in the mail regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I would like to speak with someone regarding the Well Fargo XXXX XXXX XXXX XXXX XXXX and arrangements to be compensated 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 2023-08-06
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a capital one credit card account back on XXXX XXXX I payed my account monthly never late on XXXX XXXX  my account was closed over 1 returned electronic check payment which my bank at the time was responsible for mistakenly returning the payment I contacted my financial institution as well as capital one too resolve this but capital one accused me of improper & unethical use of my credit card & closed my account then reported derogatory information to all three major credit bureaus they also said I was not eligible to ever apply for a credit card account threw capital one? Capital one was also included in my bankruptcy which was discharged on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Experian Information Solutions Inc.
State: GA
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 sent several letters to experian supporting my claim to remove the late payments from student loans on my account as they are showing different dates and payment status on the three main credit bureaus, which means this information that they claim to have verified is INACCURATE and they can not report inaccurate information which is now causing harm to me by reflecting my credit score poorly, and that is an embarrassment and is not allowing me to get certain jobs because they choose to continue to report this WRONGFUL NEGATIVE information. Also pursuant to 15 U.S. Code 1666b. Timing of payments they have violated me by reporting late payments on account they have not given me written notice of a payment being due 21 days before due date. I would now like these accounts remove from my credit profile due to the violations and due to the disregard of my request and blatant lying and continuous amount of pain I have been inflicted due to this wrongful 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 2023-04-03
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today XXXX I received an email from one of credit card companies stating that I received a negative credit score. Upon investigation I found that XXXX sent my info to collections with credence resource management for {$880.00}. I never had XXXX and this is a result of identity theft. I tried calling Credence and they said the last digit of my SS number was wrong and they arent able to provide me with any information. This is the third time credence has gone above and beyond to affect my credit report. In XXXX, I believe the XXXX, I had to file identity theft when credence dealing with att filed a debt collection on me.

Company response to consumer: Closed with non-monetary relief