BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: DISCOVER BANK
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:
XXXX XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
DISCOVERBANK XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
DISCOVERBANK XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX  XXXX am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
I have never done business with this Company before. I have written to the Credit Bureau on several occasions and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Radius Global Solutions LLC
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: Account information incorrect

Complaint:
I have never done business with this Company before. I have written to the Credit Bureau on several occasions and nothing has been done.

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 2023-02-18
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My indentification is being stolen. I received a letter on the mail from a collection agency saying I owe XXXX XXXX XXXX when I dont have any access to that company in any way. I called and the representitive mentioned the account has been open since 2020 in the state of XXXX. It is not me, I live in XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I can not afford a lawyer, but I have tried to fix my credit in every way possible. Equifax, XXXX, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: Stellar Recovery, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I turned in my equipment with  XXXX  and paid my last statement that I was aware of and then I noticed on my credit repo rt that STELLAR RECOVERY INC  placed a collection against me in the amount of  XXXX . I was unaware of any payment due and never received notification before it being placed on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
By checking my credit report on XX/XX/XXXX, I discovered the following : -Sallie Mae posted that in XX/XX/XXXX I was 60  days late on a student loan payment, and 90 days late in XX/XX/XXXX. 
_____________________________________________________________________ On XX/XX/XXXX, I submitted the following letter to Sallie Mae 's Credit Retraction Department : To Whom it May Concern, On my XXXX credit report, it reports that I was 90+ days past due on loan # XXXX, attached. 
Per the attached Sallie Mae statements for accounting ending in ****, I have paid on time. I am enrolled in auto-pay, which ensures that the total amount due will be automatically deducted from my account before the due date. 

This is the schedule of payments reported on my statements ( attached ) from XX/XX/XXXX to XX/XX/XXXX : XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$9.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$8.00} *Amount Paid {$9.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$8.00} *Amount Paid {$8.00} ( On Auto Pay ) * XX/XX/XXXX Amount Due {$25.00} *Amount Paid {$180.00} ( Manual payments on XX/XX/XXXX ) * Can you correct this mistake on my credit report? 

_____________________________________________________________ On XX/XX/XXXX, I received a response letter from Sallie Mae 's Credit Bureau Management stating, " We investigated your concerns and conluded that the information we're reporting to the consumer reporting agencies is accurate. '' Despite the proof that I paid the total amount due reflected on the monthly statements, and on time, they came to that decision.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Arbitration

Complaint:
I HAVE  XXXX  CAPITALONE CREDIT CARDS AND ARE REPORTING ON ALL CREDIT BUREAUS, EXCEPT  XXXX , PLEASE NOTIFY  XXXX  REP AND LETTER OF EXPLAINATION, PLEASE FORWARD ME WHY THEY ARE CHARGING YOU CREDIT FURNISHER FEES.AND SUPPRESSING MY CREDIT REPORTS. SEE ATTACHED ACCOUNT  XXXX  ACCT  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove the items in Identity theft because they are not belong to me and not related to any transactions made by me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: MD
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: Problem with personal statement of dispute

Complaint:
My credit score dropped XXXX points from XXXX to XXXX due to an inadvertently missed payment of {$210.00} in XXXX of 2017 on a XXXX credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unused credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of the past due status but now it is reported on my credit report as late. As a result, my credit score dropped significantly - over XXXX points - for one missed payment. I never received a paper statement which would have allowed me to pay it on time. I also never received any phone calls about it.

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 2022-08-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called to ask me to take care of my debt. I told them I could do it in 4 payments over 4 months. They refused to work with me even though my debt was XXXX  related

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 2018-06-01
Company: SUNTRUST BANKS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
While checking my credit report, I noticed that there are two missed payments showing on my Sun trust account from year 2016. I have previously disputed these missed payments. Missed payments were due to my Bank Account being compromised by fraud therefore causing delays. I informed the representatives at Suntrust Bank of the compromising of my bank information and late payment information was stilled reported to credit 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 2022-03-14
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I cancelled all services with XXXX XXXX due to divorce filings in XX/XX/XXXX. Since that time, multiple collection agencies have bought the debt and continued to try to collect regardless of me contacting XXXX advising them of the divorce and that I was not in possession of the equipment as they were given to my soon to be ex-husband. Furthermore, it has been 7 years and should be removed. I have contacted XXXX over 10 times and to no end, they keep having debt collection companies buy it out and send requests for payment. In addition, I contracted XXXX in XX/XX/XXXX and XX/XX/XXXX for which I have become permanent XXXX following a 2 week XXXX XXXX. I would like to request that this account be permanently closed given the length as well as ongoing health conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I did a voluntary repossession of the vehicle I purchased on XX/XX/XXXX due to going into labor more than 3 months early for my daughter. I understood it would be a balance remaining on the loan with XXXX XXXX  XXXX also DBA XXXX XXXX I do not dispute that, however I filed bankruptcy and this debt was included in my bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the company is still reporting a balance and missed payments on my XXXX  and Equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 a victim of identity theft and have been a victim of identity theft for over 11 years. I have  2  accounts an d 3  credit inquiries listed on my   XXXX     XXXX   and Trans  Union  credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent :   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX / XXXX /  XXXX  . Further, please add the following personal information to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX , Position :   XXXX   XXXX   XXXX   XXXX  , Annual Salary : {$150000.00}

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account ( XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have paying my loan on time and the bank does not report this or the balance on my credit report. This I feel has had an adverse impact on my credit score. I can prove on-time in person payments for the past XXXX  months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, my PayPal account XXXX is permenently locked from all functions due to violation of user agreements, according to PayPal. I respect all decisions and rights PayPal holds, and willing to comply with the permenent account lock, even though they never reveal the reason why or which agreement. On the service phone, an agent was able to tell me that the picture of my ID submitted for identity verification is not clear enough thus triggering the system auto ban, resulting the account lock and it is the final decision without option to resubmit. Account lock info Reference ID : XXXX. PayPal also locked down my remaining balance in the account, including both settled and unsettled funds, from withdraw for 180 days. Payment remitters, like PayPal, can not legally hold any funds for more than 10 days. I need their reply on this issue and release my fund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capitol One Credit card company took over my walmart credit card that was through XXXX XXXX. I reviewed my first statement from Capitol one and I found there is a discrepancy on my balances on the statement. I used the card with a promotion of no interest for 6-12 or 18 months. So under my promotional balance it shows I owe {$780.00} but in the new balance field it shows {$910.00}. I called Capitol One and was on the phone for over an hour trying to get a reason for the discrepancy. I was on hold for long periods of time and then after all that time I was told I had to call XXXX XXXX because Capitol One could not see my previous statements so they would have to fix it. I called XXXX XXXX and was on with them for over a half hour and was told they no longer have access to my account I have to call Capitol One. I then called Capitol One and was on for 1 1/2 hours and was finally transferred to a Manager. The manager was very rude and disconnected me or hung up on me. I am not able to get anywhere with them on resolving this issue. I have never had an interest charge to my account and always paid on time. I have not made any charges on this account since XX/XX/2019. I want to know where they are getting the {$120.00} extra that I owe. I have no problem paying it if I can get proof I owe it. I want to file a complaint for Capitol One trying to get more money from me than I owe and no willing to find out why there is a discrepancy of {$120.00} when my statement shows perfectly well the balances do not match. I asked both representatives from Capitol One to file a dispute for me and have my account audited and they both refused to do so. I will not pay the difference of {$120.00} when I don't have an explanation on why it happened and proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS IS A NOTICE FOR REGIONAL ACCEPTANCE : Upon discovery, on XX/XX/2022 REGIONAL ACCEPTANCE obtained my private information from XXXX XXXX XXXX XXXX without my written instruction or consent which in turn has ruined my reputation. Upon receipt of this notice and my written instruction, this inquiry needs to be deleted within XXXX from all Credit Reporting Agencies XXXX An Identity theft report has been filed, and you will find REGIONAL ACCEPTANCE as # XXXX on the report 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 2022-08-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I attempted to purchase a vehicle at a XXXX dealer ( XXXX XXXX ) the dealer gave me a price of {$21000.00} then when I asked to add a tonneau cover, they offered for additional {$290.00}. I also was told the cover would come within a week and then the price was {$21000.00}. This was XX/XX/22. I was told teh cover would be in after a week and installed for free. I never got a copy of the paper or a key or etc. I then received paperwork from JP Morgan Chase with a price of {$22000.00}. Plus, no notice of my {$2000.00} down payment or deposit payment for the vehicle. Now I am being charged by Chase bank monthly and decreasing my credit while charging me late payments. I also do not still have the vehicle as it never received a tonneau cover and the deal is considered fraud. Because I was never supplied with the vehicle, copy of original contract or etc, and the service wanted to complete the order. I also realized the dealer price gouged the total price of the vehicle as well and changed it along with fraudalantly signing my signature on random papers. Which I did not sign. ( XXXX XXXX XXXX of XXXX bend and JP Morgan Chase )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In  XXXX  of    2016  I had my student loan re-consolidated. The company I had do this service for me was   XXXX   XXXX    XXXX . I had automatic withdraw set up through them where every month {$140.00} was withdrawn through my checking account at  First National Bank. I had received a letter in the mail a few weeks ago from the   Department of Education saying I was late on my student loans. I came to find out the company  XXXX   XXXX   XXXX  was not making those payments towards my student loans. I had tried numerous times to contact them via phone and email. They do not exist anymore and there is no way to contact them. I filed a police report with the authorities. It was determined that there was a total of  XXXX  fraudulent charges towards my checking account a nd First National Ba nk only credited back  XXXX  of them. Attached you will see  XXXX  letters stating the ones that were and were not credited back. This was an obvious scam and I would like the bank to credit back the  XXXX  charges that were not.

Company response to consumer: Closed with explanation