BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: DISCOVER BANK
State: CA
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:
Due to the pandemic issue, On or about XXXX and XX/XX/XXXX, I have some problem making payment on my Discover Credit card. I called the bank that I want to consolidate my debts. I was making payment through a debt consolidation company. I Informed the bank and gave the phone number to them to make sure that I still making the minimum payment through a debt consolidation company. I had making consistent monthly payment through the debt consolidation company in XXXX and XX/XX/XXXX. However, in the month of XXXX, I found out that the debt consolidation company failed to pay my credit card. I then immediately called the Discover Bank to resume and make up all of my payments. My monthly minimum payment is {$80.00} per month. But I made double payment to make my account current. My payments are as follows : 1. XX/XX/XXXX, Paid {$250.00} 2. XX/XX/XXXX, Paid {$250.00} 3. XX/XX/XXXX, paid {$150.00} XXXX. XX/XX/XXXX, paid {$200.00} 5. XX/XX/XXXX, paid {$150.00} 6. XX/XX/XXXX, paid {$150.00} On XX/XX/XXXX, I have received an email from the Discover Bank stating that they couldn't located my account. When I called to talk to the Discover Bank, ( With Mr. XXXX ) he simply informed me that my account was restricted and being sent to a debt collection company by the name Wicker and Associate. All my payments since XX/XX/XXXX to XX/XX/XXXX were cashed by the Discover Bank. These amount of money were not credited to my account at all. When I checked with my bank XXXX XXXX XXXX XXXX, all checked were cashed by the Discover Bank. I requested for a refund and they refused to refund the money back to me. Instead, Discover Bank had filed a litigation claimed in court against me. This is completely an unfair practices. I have consistently paid all my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: GA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the del accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CAPITAL ONE Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Personal information incorrect

Complaint:
TO WHOM IT MAY CONCERN, I NOTICE THAT THERE WAS INCORRECT INFORMATION ON MY CONSUMER REPORT PERSONAL INFORMATION. I HAVE ATTACHED A LETTER FOR THE THIS TO BE RESOLVED IMMEDIATELY WITHIN A CALENDAR DAY. INCORRECT DATE OF BIRTH, ADDRESSES, PHONE NUMBERS. 

THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CELL : XXXX DOB : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if we wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX, TransUnion, XXXX  and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.

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 2021-08-26
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: Investigation took more than 30 days

Complaint:
I am filing a complaint against XXXX, Experian and XXXX XXXX as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.

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 2018-09-05
Company: Sequium Asset Solutions, LLC
State: IN
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:
Received a telephone call at approximately XXXX XXXX  ( EDT ) from a gentleman representing himself as an agent for XXXX XXXX XXXX. He stated he was calling to follow-up on an inquiry I had made regarding debt consolidation. I had to ask for the gentleman to identify himself repeatedly. He claimed I had made inquiry about debt consolidation with Sequium and he was calling to verify my account information. I told him I had not made such an inquiry and wanted to know where he had gotten my phone number. I told him I would not give him any identifying information over the phone. The next day, I received a notice in the mail stating that Sequium was a debt collector and an account was sold to them for collection purposes. The caller misrepresented the purpose of the phone call by claiming to be a debt consolidation company and did not advise that he was a debt collector attempting to collect a debt and that all communication would be used for that purpose. He lied and was deceptive in his statements about being a debt consolidation company. This is a clear violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMEX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MS
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:
Experian has repeatedly violated my consumer rights and refused to remove this fraudulent account ( XXXX  # XXXX ). 

I have sent 2 different identity theft reports to Experian. 

I have sent a demand for validation of debt. 

I have spent countless hours on the phone with them including many of their supervisors. 

I have disputed this fraudulent account through Experian more times than I can remember. 

I have submitted several CFPB complaints. 

I have spent countless hours researching laws so that I can understand what I have to do to get this account off of my consumer credit report. 

Not ONCE has Experian shown proof of their supposed detailed investigation into this account. 

Experian has directly harmed my reputation, my finances, my mental health, and my emotional health. 

As of today XX/XX/2023 I have mailed ( via certified mail ) a notarized affidavit of truth ( copy is attached to this complaint ) stating facts about how Experian has violated my consumer rights time and time again. Attached to this affidavit is a file of exhibits which show clearly how I have been violated. 

Experian attempts to say that it is all the responsibility of the bank with which the fraudulent account is open. HOWEVER, it is EXPERIAN which is furnishing this information publicly and so it is the liability of Experian to show clearly how they have supposedly done a thorough investigation and validated this account as accurate. 

As shown in the attachments, Experian reports different dates associated with this account. They also report different opening dates and $ amounts than XXXX reports. Additionally, XXXX has already deemed this account as fraudulent and permanently deleted it. 

A charge off is considered as a taxable income which can not be reported on a consumer credit report. Experian reports this account as a charge off. 

In the attached Affidavit, you will see where Experian has violated my consumer rights a minimum of 27 times. 

This complaint will also be going to the XXXX, FTC, and attorney general. 

If Experian can not rebut every single fact stated in my affidavit, they must permanently delete this fraudulent account and send me a written statement affirming this permanent deletion. Furthermore, they must send me financial remedy as detailed in the attached Bill of Particulars. 

I am asking for help in correcting my report, but if I do not get it I will be pursuing legal action.

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 2023-01-18
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX | XXXX | XXXX XX/XX/2023 U.S. House of Representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Honorable XXXX XXXX : Bank of the West closed my account with no explanation. It has taken me months, and countless hours to transfer all my affairs to a new bank. Not to mention the bounced check charges I have incurred. 
After receiving the attached letters I went into my local branch on XX/XX/XXXX here in XXXX XXXX and spoke with the manager XXXX XXXX XXXX. She said she had no idea why I received the attached letters. Despite my complaints she said there was nothing she could do. I take great pride in handling my financial affairs. I pay my bills on time like my father taught me. Never in my XXXX years have I had an experience like this. Banking is a necessity in todays world. One can not function without a bank account. By the time I received the letters I had been a loyal customer for over 8-years. Why the sudden cancellation of my accounts, without explanation? Was my identity stolen? Was my account being used in a fraudulent way? Regardless, at least an explanation is in order prior to any closing of accounts. 
I can not believe that a bank can treat its customers with such arrogance. Why are banks allowed to behave this way? I am very upset about this and I am seeking an explanation. 
Why are banks allowed to close customers accounts with no explanation or reason? 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding LLC has been sending me collection notices in the amount of XXXX . The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING XXXX XXXX XXXX ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-08-27
Company: Experian Information Solutions Inc.
State: NY
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:
ATTENTION EXPERIAN THIS IS IN FACT ME, XXXX XXXX. XXXX THIS IS NOT A CREDIT REPAIR COMPANY I have submitted this complaint 2x other times for the same issue. The FCRA states I have the right to dispute items on my credit report. The items must be accurate and verifiable. I have sent a few letters asking you how the chapter XXXX & Chapter XXXX bankruptcy were verified? You did not provide me with that information! I have unauthorized inquiries, XXXX XXXX XXXX late payments that were reported inaccurately, XXXX  credit card charge-off lates that were reported inaccurately, XXXX XXXX charge-off and lates on my credit profile and they have not been removed. 
I have the right to a accurate credit report and you are in fact violating the FRCA. Please investigate and remove all of the mentioned above inaccuracies, update my credit file and send me an updated credit report showing these items removed.

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 2023-03-30
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I went on unpaid FMLA for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance with XXXX XXXX XXXX. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every XXXX weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to First Midland Mortgage. When I reached out to Midland Mortgage they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark 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 2021-08-27
Company: EQUIFAX, INC.
State: PA
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've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.

Company response to consumer: Closed with explanation