BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: T.S. Holdings
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, I found out that XXXX XXXX of XXXX XXXX  and XXXX XXXX XXXX, XXXX sent me to collections at IQ DATA INTERNATIONAL IN license number NMLS # XXXX and they reported on my wife and my credit report that we were delinquent and owed an amount of {$3100.00}. I immediately called them and asked them what this was for since I had never received a bill. They sent over a bill to me within one hour of talking to them. Once I received the bill I saw there were fees on there that should not be being charged nor had they given me the opportunity to even pay it before they sent to collections. As soon as the area manager got involved she acknowledged that there were some charges on the bill that were inaccurate and she told me via email on XX/XX/XXXX that this account has been removed from collection and would be removed from my credit report. In the meantime she finished her accounting and came up with a bill that we both agreed upon. She gave us one week to get the payment sent in or it will be put back on my credit report. XXXX XXXX XXXX XXXX received and cashed the check within one week and they confirmed via email it was received. However, it is still on my credit reporting and it is affecting my wife and i financially to be able to obtain and secure a home loan and all the while interest rates are going up due to the delay in getting this erroneous credit reporting which in turn will end up costing me thousands of extra dollars due to the negligence of this companys s ill will reporting to my wife and my credit report. Not only that interest rates have now gone up and it is going to affect my overall monthly payments on my new home loan when I get approved now. All my rent payments were made on time and I have proof of this. I am also attaching documents showing that IQ DATA INTERNATIONAL , INC. license number NMLS # XXXX is not even licensed in Michigan to collect consumer ( s ) rents. At this point I need help from the CFPB to intervene and investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was planning to apply for a Discover card. So I went to the website, completed the application but never submitted. Like I said I never submitted the application and I closed the browser.     A day later, someone called me and asked me about the application. I told her I was going to apply but I changed my mind. She was asking me if I want to apply, I declined to continue, now my credit report is reporting a hard inquiry with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Account status incorrect

Complaint:
Experian is reporting Open status on a closed Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$5000.00} Closed This account was closed on XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX {$5000.00} Reported balance Credit limit {$5000.00}

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 2023-01-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to the three major credit bureaus and its been longer than thirty days and they havent finished their investigation thats required by law and I am harmed due to this situation I cant get a loan for a home or auto until these inaccuracies are resolved, this is the second time Ive sent in this disputes and Ive followed their procedures in providing proper identification and proof of residency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$8900.00}

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 2023-02-15
Company: Experian Information Solutions 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED IS LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION.

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 2021-08-01
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2021. Saturday afternoon. XXXX XXXX. This is the second time I have reached out to Experian and a detail fashion explaining that these information should be deleted off my credit report and the only thing you correct it was my name. I am resubmitting my request to have this information delete it permanently off my credit report. Please see attached

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 2023-02-02
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. LVNV FUNDING LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * XXXX XXXX * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: DC
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 sent a letter to Equifax to REMOVED unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX XXXX, and I have been a DISCOVER CARD customer for XXXX years. EXCELLENT CREDIT I was recently the victim of a vicious criminal actor, who placed a XXXX  XXXX to my head as he forced me to provide him with several of my bank account identifiers ( e.g., card numbers, etc. ). Under duress, I had no choice but to provide the suspect with my DISCOVER card number, which then resulted in multiple unauthorized charges. One of the largest charges ( {$8200.00} ) was completed at XXXX XXXX XXXX which is apparently a law firm in XXXXXXXX XXXX  ( I have never heard of nor interacted with this business ). 

I have submitted the fraudulent transactions to the DISCOVER Customer Fraud Support division for help with this matter, but I have received no assistance ; certainly not the assistance that I believe should be provided to a XXXX, longstanding customer with a flawless financial track record. To me, this incident is no different than if somebody had robbed me at gunpoint, taken my wallet, and then used my credit cards DISCOVER TOLD ME I AUTHORIZED ALL THE CHARGES AND REFUSED TO DO ANYTHING. This scammer took everything, all my savings, all my credit cards, my driver 's license. I was never so scared in my life. I protest and they refuse to reverse all the charges. Statement attached. Ruined my XXXX XXXX  score. Demand I pay the {$36000.00} charged. In all my XXXX years my record shows this is not me at all. I never ever have done this. 

I'm on a fixed income, and they expect almost {$800.00} a month I MUST pay. Asking me to pay for what this man did to me is outrageous. I can not HARDLY NOW pay for groceries ; medications and barely afford my rent. 

Other banks reversed the charges after investigation but NOT DISCOVER!! 

I am respectfully requesting your assistance with this matter. If it would assist you further, the case is actively being investigated by the XXXX XXXX Police Department. The detective handling the investigation has offered to provide additional information as requested ( XXXX XXXX, XXXX, XXXX ). He has stated that the evidence obtained so far is looking promising to identifying at least one suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: TN
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:
Equifax mailed me a copy of my credit report after I disputed inaccurate information. Equifax report mailed to me dated XX/XX/XXXX, confirmation # XXXX has information that was deleted from my credit report. Recently, on XX/XX/XXXX, I downloaded my Equifax credit report and nothing has been removed from my credit report. Equifax blatantly lied to me and didn't delete or change anything on my credit file. This is a Strict Willful and Neglect Violation of my Protected Rights under the Fcra. This has been devastating for me financially and had caused my credit file to be unworthy. In my dispute the inaccurate information being reported by Equifax is my address. All hard Inquiries, Public Records, Closed Account World Finance, Collection Account ( New ) XXXX and Associates. The XXXX XXXX Account I'm disputing now, violates federal law " No Surprise Act XXXX '' - Surprise medical bills arise when insured consumers inadvertently receive care from out-of-network hospitals, doctors, or other providers they did not choose. 
in-network hospitalizations for non-emergency care include surprise bills from out-of-network providers ( such as anesthesiologists ) whom the patient did not choose. Surprise medical bills pose financial burdens on consumers when health plans deny out-of-network claims or apply higher out-of-network cost sharing ; consumers also face balance billing from out-of-network providers that have not contracted to accept discounted payment rates from the health plan. 
XXXX Services Surprise billing protections4 apply to most emergency services, including those provided in hospital emergency rooms, freestanding emergency departments, and urgent care centers that are licensed to provide emergency care. The federal law also applies to air ambulance transportation ( emergency and non-emergency ), but not ground XXXX XXXX  care includes screening and stabilizing treatment sought by patients who believe they are experiencing a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Park Hill Holdings
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been renting the same apartment for the last 10 years, however have been recently looking for elsewhere to live because of the rising cost of living, it is a strain to pay rent and to be closer to work. As a background, I have an excellent credit score ( but very little history ), no criminal history and no evictions or court appearances. On XX/XX/2023, I applied for affordable ( section 40B ) housing through a property management company, we'll call XXXX XXXX. The move in date was to be XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me that I was denied the apartment because of a check that was run on me through their renter screener company ; we'll call it XXXX XXXX. I called XXXX company for clarification. They provided me with a report and explanations. These reports showed that indeed, I have no criminal history, great credit score and good rental history. However, they assign an aggregate score. This score was quite low. When pressed for clarification as to how they got this score, XXXX XXXX stated that they aren't responsible for the parameters of denial and I would need to contact the property management company. XXXX XXXX said that they don't know how the score is calculated. Based on a score which can't be explained, I was denied more affordable and convenient housing.

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 2022-03-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and have noticed some accounts that i did not authorized. I've provided the documents required by the FTC to have these accounts removed immediately.

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 2023-02-23
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX - {$10.00} transferred into Citi checking account. 

XXXX - Citi checking and savings accounts frozen, told they were under review over the phone. 

XXXX - Notice of account closure given via email and letter in mail - Was told accounts will be closed within 60 days and checks for any outstanding balances will be sent - Savings account ( empty ) immediately closed, checking account still frozen but open XXXX - {$250.00} direct deposit into Citi checking account by XXXX ( employer ) Outstanding balance : {$10000.00} in Citi checking account XXXX - Unauthorized withdrawal of {$10000.00} made by Citi, classified as Other Withdrawal XXXX - Went to Citibank branch in XXXX XXXX, CA - Was told they would not be able to produce a cashiers check and that I would have to wait for the account closure to be finalized. 

XXXX - Unauthorized withdrawal of remaining {$250.00} made by Citi, classified as Other Withdrawal in Citi checking account XXXX at latest - Now-empty Citi checking account closed ( XX/XX/30 is when the final monthly statement was produced ) XXXX - Called Citibank - XXXX to be transferred to specific Fraud XXXX department which XXXX closed my account. 
- Was told that there was nothing they could do and to wait XXXX business days for a check in the amount of {$10000.00} and that they had no idea specifically when the checking account was closed. Since this account could not have been closed after XXXX, XXXX business days would elapse some time in XXXX XXXX - Called Citibank - Transferred to Fraud Prevention/account XXXX - XXXX : A check shouldve been sent out to the address on filed ( as verified ) when the account was closed. I had not received a chock, so I asked them to verify. XXXX ( the account XXXX I was transferred to ) spoke with the bank and quoted the same XXXX business days number and was very vague on when I would receive my money. 

XXXX - At least XXXX business days since account closures have elapsed with no check for the amount that Citi owes me- {$10000.00} - having been received. Complaints being initiated with appropriate regulatory agencies.

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 2022-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my name is XXXX XXXX. I have been in contact with Fifth Third bank about a dispute case because I noticed fraudulent charges on my card dating back to XXXX. I did not make these charges and they have no actual evidence that I did. They keep denying my case and Im not sure why. Every time they deny it I tried re-opening it and they take up to 30 days each time. So at this point it has been months and Im fed up. Im not sure what to do to get my money back and theyre not helping me at all. My case number is XXXX.

Company response to consumer: Closed with explanation