BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.

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 2023-08-21
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I have had a Discover card for 7 years and have paid on time with auto payments the whole time, never missing a payment. Recently, I received noticed that my account had been charged off to an attorney 's office by Discover. This had taken me by surprise as I have a long history with Discover as a good and on-time payer, and I still believed auto-pay to be functioning as it had been for the past 5+ years. 

I have received XXXX communication from Discover prior to or after the account was written off. Discover refuses to address the issue of why my auto pay was turned off and why I didn't receive any notice by mail of the charge off or autopay termination. They have erroneously reported the account as delinquent and it is now negatively affecting my credit score. 

I am able to settle my account and would like to return to the way things were before the lack of Discovers communication. I can take action on my end but I would like to see Discover take accountability for the poor communication, reinstate my card, and remove the error in credit reporting. If this can be done, I can provide positive feedback on this case or cancel this complaint continuing my former good relationship with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2019, I made 4 payments via my XXXX XXXX  bill paying service. 2 payments were credited to my Barclay XXXX XXXX MC account and 2 payments ( XX/XX/XXXX {$100.00} and XX/XX/XXXX {$200.00} ) were not. They all came from the same source. I contacted Barclay and faxed the images both front and back of the checks from the two payments in question. After several calls and message exchanges, I have yet to have an answer. In the last conversation, the representative stated that my case had been " escalated '' but there has been no contact at all ever since. I refaxed all the information including redacted XXXX XXXX Statements showing the money leaving my account. The cashed checks went to a XXXX XXXX account with as Barclay 's stamp.

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 2019-03-31
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
About a month ago I was contacted by XXXX XXXX XXXX   on a debt that is 20 years old. The debt in question is with XXXX XXXX XXXX  with whom I have two lines of credit currently open as of 4 years ago and in good standing. The call was received about XXXX in the XXXX and they stated unless I payed 10 % by XXXX because they said they would be closing at that time further action would be taken. I am a XXXX XXXX and was at a loss as I do not recall this account ( at the time of the call or to this moment ) this really came out of the blue. I work hard to maintain my bills and my credit rating. They pressed real hard to the point of mentioning my lines of credit and my ability to pay. I did ( stupidly ) pay the 10 % for which the balance was due in 10 days. I feel I went into this under duress. I contacted counsel and was told that the statue of limitations had expired on this. On XX/XX/XXXX I came home to a XXXX stating that unless the balance of {$3900.00} was paid by XX/XX/XXXX they would file a report with the credit bureau. Please help and advise me of my options. XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was told in XX/XX/2020, my benefits would be exhausted. XXXX XXXX XXXX  someone was filing for my benefits and using my card. I notified relia card, they denied my whole dispute ( which I paid taxes on ) except for {$17.00}. I contacted Unemployment and they said I should have never gotten it, which is not the truth.

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 2021-09-20
Company: EQUIFAX, INC.
State: PA
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 on my consumer report are unauthorized and are not from me. I also wrote EQUIFAX an identity theft report. EQUIFAX said they have recieved my identity theft report and was takkng these false accounts off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  home mortgage loan from wells Fargo. 
XXXX I had some legal issues that required me to spend some time incarcerated. 
I wrote wells Fargo a certified letter from the county jail asking to modify my loan as I would be integrated for a while. I had my wife call numerous times just to be told they couldn't discuss my loan with her since she wasn't on loan. My wife couldn't afford to pay the whole mortgage as she was a home maker and I the bread winner. She had to move out and when I got out I had lost everything. House, cars, my family. I have been homeless ever since with a few places I have rented since. This foreclosure killed me, my credit and my stability. Had they just worked with me to stop this foreclosure my life would be a lot different today. I purchased this home in XXXX at XXXX $ it's now valued at XXXX XXXX I believe that's half a XXXX dollars on damages.

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 2022-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY ASSOCIATES ( JUNK DEBT BUYER ) PURCHASED AND ILLEGALLY REAGED A FRAUDULENT DEBT XXXX ( ORIGINAL XXXX PERPETRATOR XXXX XXXX IN MY NAME AND REPORTED ON MY CREDIT REPORT TO MALICIOUSLY CAUSE GREAT HARM TO ME. ACCORDING TO PREVIOUS RECORDS OF MY THE ORIGINAL FRAUDULENT ACCOUNT WAS REMOVED FROM MY REPORT MORE THAN FOURS AGO. THE CORRESPONDING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS DEEMED AN ADDRESS THAT WAS FRAUDULENTLY USED IN MY NAME WHICH PORTFOLIO RECOVERY ASSOCIATES SUPPLIED TO THE CREDIT BUREAUS WHICH IS ANOTHER VIOLATIONS OF MY RIGHTS ACCORDING TO FCRA AND fair debt collection practices act AS WELL. THE YEAR OF OCCURRENCE AND CLOSURE OF SAID FRAUDULENT ACCOUNT WAS XXXX WHICH PUTS IN QUESTION HOW THIS ACCOUNT REFLECTS A NEWLY START DATE OF XX/XX/XXXX WHICH I ONCE AGAIN REPEAT IS A ILLEGAL RE-AGING OF THE FRAUDULENT ACCOUNT. I DONT OWE THE BS COMPANY ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I really was n't sure which subject to pick, but here is what happened. I had cable service with  XXXX   XXXX   XXXX  and canceled my service I believe in   XXXX   XXXX   XXXX   leaving a  XXXX  balance. And had service connect with  XXXX   XXXX  which had purchased  XXXX   XXXX   XXXX  at the time. So  XXXX   XXXX   XXXX  sent me a bill initially in the amount of  XXXX  so I called and inquired about it. I called on  XXXX / XXXX / XXXX  and spoke with a  XXXX , she informed me that it was for equipment ( modem ) and that I just need to return it to any  XXXX  store and they will ship it. So that 's exactly what I did. I took all their equipment to the  XXXX  store on  XXXX . And upon leaving  XXXX  I was told to be sure to keep up with my receipt because  XXXX   XXXX   XXXX  has been known for this very thing, of accusing people that that owe for equipment. Because they do n't scan it in or anything, they just throw the equipment in a box. I reached out to  XXXX   XXXX   XXXX  again in  XXXX   XXXX  when I received mail from them saying I owed. I spoke with an  XXXX  if I 'm reading my notes correctly and she told me she sees where I turned the equipment in and apologized for the error. So  XXXX   XXXX  around I I receive a letter from the collection agency about owing  XXXX  so I told her I do n't owe and she asked was I disputing the claim and I said YES and she told me she would send it back to  XXXX   XXXX   XXXX  and they would get back to me. I have  XXXX  to hear anything from them but in the process of trying to straighten up my credit, checked my report and see this  XXXX  on here. I have pictures of allllll the equipment and serial number of the equipment RETURNED. And I 'm not sure but if I owed  XXXX   XXXX   XXXX  they would n't still be sending me advertisement trying to get me to get internet through them. And I have tried several times to contact  XXXX   XXXX   XXXX  but they have an awful automated system and I have n't been able to speak with an actual human. I have no problem paying the debt IF I owed it BUT I do n't and this really irritates me. I 've kept up with a few notes I made to myself that I have attached below. I also attached a couple of pics of the equipment serial numbers that I dropped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Continental Finance Company, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2023-04-30
Company: EQUIFAX, 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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with the accuracy of my credit report. Specifically, I am disputing the reporting of late payment by the credit reporting agency that is inaccurate and is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. 

Despite the information being provided to the credit reporting agency with evidence that the late payment reported on my credit report is inaccurate, the agency has not taken any action to correct the error. My lender XXXX provided me with a letter stating that the information in question is inaccurate, and they sent a copy of this letter to the credit reporting agency as well. The letter clearly states that late payment is inaccurate and should not be on my report.

I would appreciate your assistance in resolving this matter promptly, as the inaccurate reporting is negatively impacting my credit score and my ability to obtain credit. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

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

Company 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 2023-05-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a email to ask for a debt validation letter because I received a letter in the mail saying I owe the debt and how to contact them for a debt validation letter. they never responded to my inquiry and instead sent a debt Validation letter to a email I was no longer using without letting me know I can dispute and also did not include the debt also belongs to a secondary party. On top of this they included photos of the apartment to add fees. And I took photos that do not match the damages theyre referring to. I was willing to pay a quarter of this debt, but I am not responsible solely and this is affecting my credit. I also was on unemployment due to being fired because of XXXX during this period and my compensation was not enough to cover the full amount of rent. A application for rental assistance was in process as the secondary holder refused to assist with payment. I will include all documentation showing my last receipt which reflect every payment was made by me, any additional proof I am able to provide. I will also include the debt letter sent to me without the option to dispute. I will also include the request for debt validation that was never responded to via the same form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX County DA Account # XXXX, XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Razor Capital, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  a credit card was takin out in name without my knowledge the credit limit was  XXXX  $ went into default sold off to  XXXX   XXXX  holding  XXXX   XXXX   XXXX  then  to Razor   Capital LLC   XXXX   XXXX   XXXX  by the time i was aware of any of this it was   XXXX    XXXX  explanied that i did not take this credit card out found out that  someone in   XXXX  FL did this i have lived in NY my enitre life also i filed a report with the NY state Police in  XXXX  NY i have always paid my bills and credit cards in full i have perfect credit, HAD untill this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a notification that there has been a change to my XXXX XXXX credit bureau. Imagine my surprise when a collection agency Ive never heard of and have no communication with play some erroneous amount on my credit bureau. Remove this collection from my credit file and Im thinking {$1000.00} for the damage that youve done to my credit. Next I hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I learned that for two years, my husband and I have been receiving 0.3 % interest on our XXXX savings accounts at Capital One. This is despite Capital One 's well publicised increases in savings rates over the past two years. On XX/XX/2023 ( and still today ), Capital One shows their savings interest rate as 4.3 %. Yet, they have given us only 0.3 % They have only one type of savings account ( there is a kid 's checking/savings and a CD but only one savings. ) My concern is that Capital One is paying its older customers a lower rate than new customers for the exact same savings accounts. This is highly concerning. We lost out on approximately {$20000.00} in interest. We have over {$500000.00} at Capital One. 

On XX/XX/2023, I wrote to XXXX XXXX, XXXX of Capital One. His office responded that they can offer any accounts they want and they can not help me. No explanation about the 0.3 % rate or why it was not published anywhere on their website. 
I would appreciate any help the CFPB could provide to recover lost interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Innovis
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:
The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Sex ; Marital status ; All FTC violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX see attached documents

Company response to consumer: Closed with explanation