BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: OR
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:
I have not been able to view XXXX response or submit my comments to you. The response was sent to my husband 's email and not to me. The complaint # is XXXX. I was denied credit because Experian reported that my Social Security # belonged to a deceased person. The SS # was entered twice by their agent in the store so they must have made the error twice. There was no attempt tto compare names and, except for their claim there is no proof that any of this happened. According to XXXX XXXX, in her letter, she tried to call me on XX/XX/18 but could not reach me. Another error due to her dialing XXXX rather than the correct XXXX. This is quite a pattern, After the failed phone call she claims to have sent an email which was not received. The email time was XXXX XXXX which means that the call was made before than. The letterhead shows their location as XXXX  UT and West address is XXXX XXXX SD. I believe phone calls that are made to OR that early are not legal.. In all XXXX  has issued a pack of lies in response to my complaint and that include lying to you, a US Government agency. This is not acceptable and I am hopeful that you can learn the truth and put a stop to their wrongfull denials of credit.

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 2021-01-01
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:
Had a debt collection dispute with experian jn which I won the dispute. That credit collection agency sold my account to a different collection agency. Submitted a new dispute to exoerian explaining that I already won a dispute based on this collection amount. 

Not only that I informed experian that XXXX  XXXX has never sent a bill, never called never presented me with anything in regards to this collection. Asked for any proof to the contrary. They could not provide any proof. How can I have a collection for something they never have given me a bill for?

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 2019-04-05
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, 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:
Applied for credit sale of a vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. Initially I refused the purchase due to exceptionally high interest rate. This occurred XX/XX/2019. At the time they quoted a rate of 22 %. Received a letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX stating they must regretfully inform me that they were not agreeable to handling the proposed transaction due to their decision based in whole or in part on the two agencies listed. XXXX and XXXX XXXX. XXXX located at XXXX XXXX XXXX XXXX, PA XXXX with a toll free number listed as XXXX gave a credit score of XXXX with a range of XXXX to XXXX which to me seemed fairly decent. The other company whom I have never heard of XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX CA XXXX with a toll free number of XXXX gave a credit score of XXXX with a range of 1 to 999 which seemed to me to be very low in comparison to the three major reporting agencies. When I attempted to make an inquiry to XXXX. They were requesting way to much information about me such as a copy of my drivers license as well as other personal information. I refuse to provide personal information to some company Ive never heard of. Their key factors stated ; limited history for consumer at address and phone number which Ive had for over 10 years. Not enough debt experience which Ive had for 30 years plus. Too few bank card accounts which Ive maintained for 30 years plus and limited history for consumer at this phone. My complaint comes from the fact that upon checking for reviews concerning XXXX I found at least 25 reviews with all reviews stating the same thing, a low credit score from XXXX after receiving high scores from the three major credit bureaus, which generated a high interest rate. This seems like a scam from XXXX or XXXX Bank to artificially raise interest rates on unwary consumers who are applying for credit or loans. This is apparent from the fact that if I had accepted their terms at XXXX XXXX I would have gotten the credit based on a 22 % interest rate. But due to the fact that I declined them they are now saying that they denied me based of my credit worthiness. I also reviewed the XXXX and they were not a member, which to me is another red flag. Please investigate before this company can rip others off based on their methods of artificially raising interest rates.

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 2023-06-11
Company: SYNCHRONY FINANCIAL
State: AZ
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:
Synchrony Bank closed my Sams Club Credit Card this hurting my credit score. Their solution the problem was to reapply for a new account, one again hitting my credit score, as they swore up and down that they could not reinstate my account. I tried paying off my credit card early and the payment bounced 3 times because synchrony bank takes 7 days to move money and they will only let me pay from my checking account, not a savings, so my funds are always fluctuating. Whats incredibly ridiculous is the closure of my account without any contact to me. On top of this they closed the account even though none of my payments were late or overdue, they just disliked that my payments bounced. I wasnt even overdue or late or anything of the sort. The entire situation is ridiculous.

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 2021-01-01
Company: Green & Sons Agency, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
A judgement was issued against me without my knowledge. According to the attorney I was served documents at an address I havent lived at in years in the state of Utah. My address could have been found had the attorney taken the time to do a quick search. I am Registered to Vote in the state of North Carolina I am pretty sure that this is public information. It is clear that this attorney is attempting to ignore the laws of North Carolina. I was unaware of any legal action against me until I was notified by my employer of a wage garnishment. I have resided in the state of North Carolina for years where wage garnishment is not permitted. My employer is also headquartered in the state of North Carolina. I was told that they are still able to process the wage garnishment due to the fact that XXXX  XXXX  ( my employer ) has a registered agent in Utah ( CT Corporation ) my employer is not registered to do business in the state of Utah verified by ( XXXX XXXX XXXX ) Utahs government based business search. The attorney was notified by the illegal wage garnishment and refused to submit a wage garnishment release to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a gift card with {$250.00}. I activated the card. When I try to use it the transaction is declined. When I try the website to see the balance it does not recognize the 3 digit security code on the back of the card and after 3 attempts it has locked the card and says to call the number on the back of the card. When I call the number on the back of the card, the automated message can not find the card and then hangs up. There is no way to speak to anyone. They have essentially stolen my {$250.00} since I have no way to talk to anyone or get a replacement card.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
All companies listed below have violated my rights. 

Achieve 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 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 XXXX XXXX XXXX  PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!

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 2021-01-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

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 2019-04-05
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I originally submitted a CFPB complaint on XX/XX/2019 against XXXX XXXX XXXX., a  company that I am not familiar with after checking all three of my credit reports. I check my Equifax credit report on a recurring basis and it appears that in XX/XX/XXXX/XX/XX/2019, XXXX XXXX XXXX. added an erroneous, negative collection account against me. This company responded to my CFPB complaint by sending a letter postmarked XX/XX/2019 stating " Our offices are in receipt of your request for verification. Enclosed is a copy of the billing statement provided by our client to confirm the charges. '' The enclosed bill that XXXX XXXX XXXX. sent to me is an Itemized Statement of Charges for XXXX XXXX. XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. This is a blatant HIPAA violation! 

Furthermore I spoke with an Equifax representative today ( XX/XX/2019 ) and he stated that Equifax actually updated this erroneous negative collection account as VERIFIED AND ACCURATE on XX/XX/2019, several days after XXXX XXXX XXXX. sent someone else 's bill. It appears that this is the information that Equifax based its ' verification on, given the fact that Equifax updated the report days after this letter was received. 

Equifax is not actually investigating the validity of accounts that are being added to a consumer 's report. How is it possible for this company to send inaccurate documents to Equifax that do not contain my personal information, and Equifax returned it as Verified? 

I would like for Equifax to hold this company XXXX XXXX XXXX. accountable for their deceptive practices and also perform their own due diligence and remove this negative account from credit report because Equifax didnt actually properly verify that this debt truly belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to pull both my credit report and credit file and was given the message from XXXX, Transunion and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file.

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 2022-07-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX bank draft of {$2300.00} deposited via mobile 2 hours prior to XXXX EST cutoff. Autocheck hold posted next morning. 

1st CS rep told me to visit branch. 
Branch did not have enough reps to handle my request in a timely manner. 
Called CS while in lobby, transferred through 3 different people. 
Fourth person, as CS supervisor, advised me there is no way to confirm the funds and release the hold, will have to wait a week for my funds to be released automatically.

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 2022-04-05
Company: T.S. Holdings
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was originally contacted by IQ about 18 months ago and was treated with total disrespect. I requested proof of the debt owed to the XXXX apartments and after several minutes of harassment from IQ I was told that if I provide full payment they would in turn furnish requested proof. I declined this irrational offer and explained that any further communication shall include proof of this debt. I have not received proof as of today. I and recently my sister have been receiving increasingly abusive phone calls demanding payment and threatening legal action. I have transcripts of voicemails The account is reported on credit file as Account information disputed by consumer, meets FCRA requirements I have only disputed this with the company not the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2020-12-31
Company: Comerica
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2020 Comerica XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Checking Bonus Offer To Whom it May Concern : On XX/XX/2020, I applied online for a Checking account at Comerica Bank ( the Bank ) in response to an offer to Earn {$200.00}. I was subsequently approved and met the offer requirements. 

I contacted the Bank several times to request payment. As of today, the bonus has not posted. 

Now, I respectfully demand that the Bank pay the advertised bonus of {$200.00}. 

Otherwise, this matter will proceed to trial with all costs borne by the Bank. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My credit score is Excellent, averaging about XXXX. I applied for a Capital One card and was denied a card without explanation, even though Capital One 's credit reporting tool, Credit Wise, showed I had an XXXX credit rating with no defaults, bankruptcies, unpaid accounts, etc. This denial is hurting my credit and is unsupported by the law or facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Chase Bank received an order to cease and desist for two accounts they alleged were mine, the letter also requested for the name and address of the original creditor pursuant to FDCPA. Chase bank confirmed receipt of my cease and desist order on XX/XX/XXXX, where they stated they stop contacting me. Chase Bank also provided a false and misleading document as verification, stating that the past three billing statements sent to me separately will confirm my account. 

FDCPA states that when you request the name and address of the original creditor, that they must cease collection of the debt until they obtain verification or a copy of a judgement. I affirm I have not received any proper verification or a copy of a judgement stating that I owe Chase Bank the alleged debts. Additionally, Communication by definition in the FDCPA 'means the conveying of information regarding a debt directly or indirectly to any person through any medium. ' Chase Bank has continued for the past 12 months to communicate with several credit bureaus information which failed to be verified. Chase Bank is ruining my credit score, and hurting my reputation and ultimately limiting my ability to engage in commerce and provide for myself and children. 

To make matters worse, Chase Bank closed my account and I received notice XX/XX/2020. Chase Bank is engaging in discrimination. I exercised my right given to me under Title 15 Chapter 41 as a consumer, to request verification and the name and address of the original creditor. Instead of following the Federal laws, Chase Bank discriminated against me and took an adverse action against by closing my account. 

Chase Bank failed to verify the debt, they continue to report false information, are discriminating against me and harassing me through third part debt collectors.

Chase Bank also has sent me several emails relating to my consumer report. effectively violating the cease and desist order again. Since they processed the order on XX/XX/2020, I have received over 15 emails from Chase. I have also received over 10 " Billing statement '' attempting to collect a debt.

I have kept a record of the several Federal violations, fraud and criminal activity Chase Bank is engaging in. I am prepared to sue Chase Bank for their continued efforts to extort, rob, harass and oppress me. However, I would like to handle this matter in good faith and hope that Chase Bank will too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Upstart Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed an XXXX complaint regarding a massive money laundering. Identity theft has happened as a result of this incident. Personal loans were fraudulently taken out on my name. The XXXX complaint shows evidence of money laundering. The company is unwilling to take the loan out of my name because the transfer from the bank to XXXX was initiated by me. But there was money laundering from XXXX. I did not realize that the funds were from an unsecured loan that I did not take out. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Im going over my TransUnion Credit Report and Im noticing that the Dept Of ED/XX/XX/XXXX accounts I previously disputed and were informed that they were verified, has no indication that they were previously disputed, which concerns me deeply. This a direct violation of the FCRA and leads me to believe that a proper lawful investigation never took place. Please remove these accounts from my credit report immediately. Thank you so much for your assistance in this matter.

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