BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I reached out to Discover to ensure my purchase balance is correct, as it seemed high and their terms state this is paid first due to the intro purchase rate being first to expire. It has been determined that the purchase balance includes a disputed amount that had a temporary credit reversed for the final credit to apply. The issue comes in where they did not apply the final credit for this reversal to the purchase balance that they increased when taking these steps. As a result my purchase balance is {$450.00} with one period left to pay this amount that should only be {$210.00} if the dispute credit for {$240.00} had been correctly applied. The link to report a billing error does not work and supervisors with Discover refused to resolve the issue or give me another appropriate link where this error could be reported for official review. This is predatory for them to increase the purchase balance on XX/XX/2023 with a dispute that was won from XX/XX/2023. 

I have included photos of the statement that show the total purchase balance amount, as well as the amounts to make up the purchase and the expiration date of the intro period for this balance type, and a dispute email that states clearly this would not count against me for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: MD
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:
Good Evening, I asked the bureaus to do a verification of everything that was on my credit report and they did. They stated that everything was accurate, and after doing my own thorough research myself I found improper inaccuracies on the credit report even after they did the verification. 



Name of Account Account Number XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and 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 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 2022-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 

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 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

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 2022-11-03
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My identity was compromised and 2 vehicles were opened. Ive begun the dispute for the lease with XXXX and one bureau has deleted it. Now I am disputing this auto loan. I have completed an FTC report and still had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The personal information for my Kohls account is incorrect. I have notified the company on three different occasions that my name is incorrect on my account and card and nothing has been done to correct the error. My name is XXXX XXXX XXXX. But on my Kohls account and card my name is listed as XXXX XXXX XXXX. Please correct this error as soon as possible and notify any consumer reporting agencies of this error. Please see attached all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: PLS GROUP, INC
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX of 2022 I called into XXXX to cancel my card because there were charges on my card that I did not authorize, So today XXXX XXXX of 2022 I went in and got a new card and disputed the charges, Today is XXXX XXXX, 2022 Same day as I got the new card and my payroll check was put in my account there were three separate charges to a place called XXXX which drained my account. I called in as soon as it happened and a account specialist told me to wait until the payment processed to make a dispute? This is the second time this account has been charged fraudulently. When I looked up XXXX Today online it said it was fraud and a scam warning. So now I have absolutely no money and I have children I need to take care of please tell me how this can happen within just a few days and on a card I just got today. And there is no way they can decline the charges its wrong. XXXX XXXX XXXX! A {$93.00} purchase occurred at XXXX. Available Balance is : {$480.00}. REPLY STOP TO OPT OUT. XXXX A {$150.00} purchase occurred at XXXX. Available Balance is : {$330.00}. REPLY STOP TO OPT OUTXXXX! A {$170.00} purchase occurred at XXXX. Available Balance is : {$150.00}. REPLY STOP TO OPT OUTFriday XXXXXXXX XXXX XXXX! A {$55.00} purchase occurred at XXXX XXXX XXXX 
vailable Balance is : {$97.00}. REPLY STOP TO OPT XXXX! A {$29.00} purchase occurred at XXXX XXXX. 
Available Balance is : {$67.00}. 
REPLY STOP TO OPT OUTFriday XXXXXXXX XXXX XXXX! A {$34.00} purchase occurred at XXXX. Available Balance is : {$32.00}. REPLY STOP TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: The J. G. Wentworth Company
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I signed up for Debt Settlement services wit JG Wentworth. I was promised that I was pre-qualified for a program that would be guaranteed to settle all of my debts included in the program, and once all debts had been settled I was guaranteed to receive a loan to pay the outstanding balances and repair my credit. I signed up for the program and have now for more than 6 months been making my payments as planned. However, JG Wentworth made a mistake and can not qualify me for the previously promised loan because my total debts exceeded the limits of the program criteria. My credit has been significantly impacted upon this false promise from JG Wentworth and they are unwilling to correct their mistake. I have contacted them requesting several options to resolve this situation and each time JG Wentworth simply states that I have to put more money into the program and/or wait more time to reduce the debts to the loan approval range. However, not only will this take multiple years, JG Wentworth is no longer pursuing any debt resolutions for the outstanding balances with creditors because there are no funds left with which to reach an agreement. All of the program payment funds made by me have been tied into resolving only 2 accounts. I am now in collections with multiple collections agencies and JG Wentworth is doing nothing but charging fees from my program payment while doing no work to make good on their promises. JG Wentworth confirmed the person responsible for the false promises made has been terminated and Compliance reviewed the call and confirmed their were false promises made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00}. Please update.

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 2022-02-16
Company: EQUIFAX, INC.
State: NY
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:
On XXXX, I had a brand new credit card stolen from my apartment building and used locally that day. Then on XXXX I started receiving numerous alerts from my credit monitoring service that different bank accounts and credit card applications were attempted to be opened up using my information. I started to put an account freeze on all credit bureaus. After I did all XXXX, I also called and spoke to each to make sure the freeze went through on all and to let them know about the fraud. It seems like both experian and XXXX took care of it, but now equifax won't take care of the Inquiry from an account name XXXX on XXXX that is on my report with them unless I do these extra steps. That is NOT MY INQUIRY and is 1 of the several that were initiated on that same day. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company that claims to be Midland Credit Management is calling my phone number multiple times every day using multiple different phone numbers, trying to collect a debt from someone. 
I currently have hundreds of different phone numbers, they have used, that I have blocked and reported on my phone. I am on both Federal and State Do Not Call lists. They have been told multiple times that my phone number does not belong to the person they are trying to collect from. They have been told multiple times that I do not know the person they are trying to reach. I am the only person that has ever had my phone number and I have had it for 44 years. So, whatever they are doing is not a mistake. 
I can only guess that someone at some point has used my phone number for some sort of fraudulent activity that didn't involve identity theft. I suggested this to them and that they should use some other legal means to find this person and stop calling my number. 
They show a callback number of ( XXXX ) XXXX. But since I don't have any information or account number or ever done any business with them I can't get anywhere other than a phone being answered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an online account with Citi bank on XX/XX/25. Account approved, able to set up. I deposited funds, waited a week for a debit card, set up direct deposit and deposited additional funds. I called to request an update on debit card shipping status. I was then notified by the fraud department my account was placed under review XXXX status on XXXX. I have called customer service over XXXX times, spoke to the fraud department, spoke to XXXX different fraud specialists trying to resolve this issue and keep getting told 24-48 hours. They are holding all of my funds at the moment and will not provide any resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX of XXXX, I disputed XXXX bankruptcy accounts shown on my credit file. I requested the bureau to provide the name of the person/persons or company and documents provided to verify any and all information associated with the alleged bankruptcy shown on my credit file and credit report. The bureau only responded stating the information was verified and updated. The verification the bureau states to have received is FRAUD. I contacted the Bankruptcy court asking if they report or speak to credit reporting agencies. They responded and I am attaching their response to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


CLOSED ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: NV
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:
Dear Consumer Financial Protection Bureau, On XX/XX/2023 I sent certified letters asking the credit reporting agencies to verify inaccuracies on my credit report and send me proof. Over 30 days has past now and these items are still reporting inaccurately on my credit report. How are these accounts verified if the date of last activity, date of last reporting, date of opened and among other things are completely wrong? This is a clear violation of my rights!!! 

The accounts are : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX The FCRA requires CRAs to take reasonable steps to ensure the accuracy and completeness of the information in consumer credit reports. This includes conducting a reasonable investigation when a consumer disputes information on their credit report. However, in my case, the CRA has failed to properly investigate my dispute and continues to report inaccurate information on my credit report. 

I believe that this constitutes a violation of my rights under the FCRA, and I request that the Consumer Financial Protection Bureau take action to ensure that the CRA corrects the inaccuracies on my credit report and complies with its obligations under the FCRA. 

If the CRA fails to properly investigate a dispute and continues to report inaccurate information, the consumer may have a claim under the FCRA for " negligent reporting. '' In such cases, the consumer may be entitled to damages, including actual and statutory damages, as well as attorney 's fees.

Additionally, if the CRA knowingly or recklessly reports inaccurate information, the consumer may have a claim under the FCRA for " willful noncompliance. '' In such cases, the consumer may be entitled to statutory damages of up to {$1000.00}, as well as attorney 's fees. 



I attached all evidence and supporting documents. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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 this letter with an escalating sense of anger and frustration regarding the abysmal and unacceptable failure to remove fraudulent items from my credit report. Despite my numerous attempts to rectify this situation, the ongoing presence of these inaccuracies is not only infuriating but also jeopardizing my financial well-being. 

The nightmare began and since then, I have embarked on an exhausting odyssey of dispute submissions, each accompanied by an exhaustive compilation of evidence and detailed explanations to substantiate my claims. Astonishingly, these efforts have been met with an astounding level of incompetence and disregard, as the fraudulent items persist like a relentless adversary. 

This is not a minor glitch in your system ; it is a blatant violation of my rights and an affront to the principles of accurate credit reporting. The toll these persistent inaccuracies are taking on my financial stability and peace of mind is immeasurable and utterly unacceptable. 

I demand an immediate and comprehensive investigation into this matter, with an unwavering commitment to removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the systemic failures to address and rectify these issues. 

The time for excuses and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and explore legal avenues to address these persistent and egregious inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I sincerely hope that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this Complaint as a follow up to my previous CFPB Complaint requesting the correction of some of the disputed accounts reporting erroneous information on my Credit File. Under the provisions of the Fair Credit Reporting Act, I am entitled to request an investigation on XXXX XXXX File at no cost and have you correct ant inaccurate and misleading information on my Credit File. Please correct and or remove the following accounts : XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX  Balance Owed : {$870.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} XXXX XXXX XXXX Reference # : XXXX. You have been claiming that these accounts are accurate and yet you have been sending me no documents to support such claims. Without such important documents, I expect that these accounts be immediately fixed as soon as possible.

Company response to consumer: Closed with explanation