BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello, I have contact way to go multiple times and have not had my issues resolved. Someone used my card and purchase XXXX worth of merchandise. I contact way to go they canceled my card and sent me a new one. They also sent me a fraud form, tired to fill it out but need information about when the issues happen. Contacted the company to get the dates because I no longer had my old card because it was reported loss or stolen. They stated they where going to send me the statements never received them and the time has passed to get my money. Than for some reason they cancelled my new card that I was sent and told me I had to send proof that it was me. Sent proof received on XX/XX/XXXX get a response on XX/XX/XXXX stating everything was approved to contact company back. Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX after numerous hours of waiting on the phone I received a lady and she hang up so I called back and get XXXX and he help me he told me he could not find my claim or that I had sent anything in. I proceeded to read the email that I received and than he told me the case number I had was wrong and he give me a new case number and I havent not received a new email since and we I call I keep getting the run around about money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Byrider Franchising, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My car was purchased XX/XX/XXXX and up to date on all payments when it was illegally towed XX/XX/XXXX and was under a hold by another party and could only be released to j.d. byrider I contacted cnac the company I was forwarded to by byrider and they told me a letter would be coming from byrider and cnac about how to go about the process or the car would be sold Ive never received a thing and this was XX/XX/XXXX. The car has been sold but its still affects my credit for the full car price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent two certified letters ( See Doc 1 & 4a,4b ) requesting validation bearing my signature for a Capital One credit card in the amount of {$470.00} that I am currently disputing. I have proof that my letters were signed for and received. ( See Docs 2 & 5 ). Not only did they fail to provide me with proof of MY SIGNATURE validating the debt, they failed to update my account status as " disputed '' with the 3 major Credit Bureaus in the required 30 day period. Please note ( DOCUMENT 3 ) which is a copy of my XXXX report dated XX/XX/17 ... more than 30 days after Capital One received my letter of dispute, it does NOT have the account marked as disputed. By not placing the disclosure within the 30 day period Capital One has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or The Fair debt Collections Practices Act Section 807 ( 8 ). 
Capital One continues to send me copies of billing statements for this account which does not constitute validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with or signed any contracts with SCA Collections Inc. and  they are attempting to defraud me of money via the United States Postal Service. 

On XX/XX/2020 I sent a letter via certified mail with return receipt requesting that this company validate the debt they claim I owe. 

The letter was received and signed for on XX/XX/2020. 

The collection was then removed and illegally placed back on my credit files on XX/XX/2020.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

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 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was interested in rebuilding my credit so I went to Bank of America on XX/XX/XXXX to apply for a secured credit card. I spoke with a loan officer and she suggested that I apply for an unsecured credit card and if I did not get approved for that then I will be approved for a secured credit card. I went through with the application and I did not get approved for the unsecured credit card but she said I was approved with the secured credit card. She then had me sign papers and said that my card will arrive in 7-10 days. I waited for my card for 2 weeks and I had not received anything so I called the bank and every person I spoke to were giving me the run around and could not help me ; I even spoke to someone higher than the manager and still no help. I work very hard for my money, barely earning enough, and heavily depend on each one of my checks to get by and maintain a decent living. Up until this day, I still have not received my money and it has caused a major setback for me due to late bill and rent payment. This should not happen to anyone in the least and I think it is very unfair and not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was an account from XXXX on my credit report dated XX/XX/2021. The original collector was XXXX XXXX and there is an amount for {$8900.00}. I did not open this account and I do not owe {$8900.00}. There is also another collector by name of XXXX, and they are XXXX XXXX, I have reached out to them and they stated someone opened 3 accounts in my name at this bank. They told me they would open fraud investigation and have it removed but it is still on my report. I am looking to have these 2 issues removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company did not supply me with the required 30 day dunning letter. I didnt know they were trying to get any money from me. I received no calls or anything in the mail. 

This was reported to the bureaus illegally. 
This is a violation

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 2017-08-08
Company: U.S. BANCORP
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 have closed my credit card with XXXX XXXX and have arranged agreement for monthly installments paying monthly {$21.00} to pay off my balance. Couple of weeks ago I have checked my credit history with XXXX where I noticed that for the past seven months they have been accepting my {$21.00} and simultaneously reporting me to the bureaus for Failed to Pay that appears each month in the report, ( which makes me lose two points of my total score each month ). I have made a dispute and sent a letter to the Cardmember Service in XXXX XXXX. MO and have received a letter yesterday with a vague and general answer saying : " We have conducted an investigation of the dispute and reviewed all the relevant information you provided. Based on our investigation, we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ... '' I called the number provided by them spoke with an representative who said that they right to be reporting me unless I pay them full amount today. When I said I have an agreement for installment payments with them and they have no right of reporting Failed to Pay if I do pay monthly, he said I wo n't be telling him what is right and what is wrong.

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 2020-09-09
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: Investigation took more than 30 days

Complaint:
I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request

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 2020-11-19
Company: Experian Information Solutions Inc.
State: WA
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 am very responsible with my credit, I have XXXX worth of it I pay my credit off every month I use sometimes more and sometimes less, but always use it and always pay it off, I make 3 or 4 payments a month on a average to make sure its fully paid.experian has been quite harassing, to the point of closing accounts on my credit report that were clearly open, I get a email telling me congratulations on a 8 month streak of paying off your accounts in full, I check and they dropped my score another 10 points, I am a XXXX American conservative and feel as if I've been intentionally discriminated against, my score has gone from a XXXX to XXXX for paying my accounts off every month and making multiple payments a month on these accounts.i have spoke to my lawyer and may possibly file a separate lawsuit, this is un-American XXXX is my experian customer account number

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 2020-11-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got notified from credit monitoring agency that my care credit account was closed. I contacted synchrony bank. They informed me it was closed due to information on my credit report, however my credit score is higher than it was when they approved me for the account. I have the same income, same amount of debt everything on the report is what was on there when they approved me for the card. I never ever am late with my payments and pay balances off in full within a couple payments. I have an exceptional payment history on all my accounts. This is my reward for paying everything on time ahead of time. What they did impacts my credit report negatively and thats not a fair business practice. Synchrony bank has numerous complaints filed online for doing this to numerous people. I got the card a year ago and as you see from attached screenshot my credit score has gone up not down. Nothing else changed.

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 2021-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX was entered into a credit inquiry transaction that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web.I have contacted XXXX  about this issue on the phone and the employees were very rude to me. I asked to speak to the supervisor and the supervisor made me aware that she had no knowledge of the FCRA Laws even though XXXX  is supposed to abide by the FCRA Laws. after I stated the laws to the supervisor, she then hung up on me in an attempt to evade the laws and do the right thing by removing this inquiry. I also faxed in all these documents that I attached to this complaint to XXXX  and they have yet to respond.Having this False and misleading inquiry reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I am a XXXX  father and my son looks up to me, so I wan na show him that I can buy a house for him because he deserves it. I ask that you please remove this false misleading inquiry from my credit report so I can began to repair my credit and eventually get my Son a house. please resolve this matter quickly. Capital One Bank USA gave my hard inquiry information to XXXX  knowingly without my written consent, they violated 15 USC 1681n ( b ) .My consumer rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
As I see from the XXXX, Inquiry from XX/XX/2019 by XXXX XXXX XXXX XXXX - made 6 hard enquies on the same day without my notice. I request to take action/ investigate and remove the Hard inquires from my account.

Below are the INQUIRIES made : 1. XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 2. Fifth Third Bank - XXXX XXXX ( Inquiry from XX/XX/2019 ) 3. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 4. XXXX XXXX XXXX XXXX - XXXX XXXX, New ( Inquiry from XX/XX/2019 ) 5. XXXX XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 6. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Oracle Financial Group LLC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Oracle will not send me by mail a letter stating original loan company, original loan amount, current amount owed and receipts for all of the payments already made to Oracle. Now receiving threatening phone calls by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( he says he 's affiliated with Oracle ). He called me 3x the first day along with calling my employer. Started calling me the next day at 5:57 am.  When I returned his phone call he was rude, threatening me that he was going to tell my employer that I 'm being charged with federal bank fraud ...., every time I speak to him he threatens that he 's going to have me arrested for fraud and take me to court. I have told him 2x that he can not call me at my employment and he continued to do so. I asked him numerous times to provide me by US mail a copy of the debt with original loan amount, the amount owed etc and he gets belligerent and does n't let me complete a sentence saying I 'm trying to still. I was advised by an attorneys office to reach back to Oracle to get some info and they will not return my email or phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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 on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.

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 2021-03-28
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently filed for verification of a debt to a Company by the name of Hunter Warfield , INC . The Company did not proved valid information that a debt was owed on my behalf. The company sent me copy of a lease with itemized charges, and the Company did not have any validating signatures from the creditor. I do not have any signed contracts or agreements with this company for a debt they claim that I owe. This account is effecting me negatively on all credit reporting 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 2020-11-19
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received numerous calls from XXXX ( XXXX XXXX XXXX. I decided to call them back because it was frequent. Normally, robocalls are not repeated from the same numbers. 
- said they are from Credence Resource Management - he asked for my name - kept asking me to repeat myself. Couldnt hear me - Asked for my address and then my prior address - asked for my last 4 - told me it was an attempt to collect debt in XXXX. I told him I never had them. He told me it could be mistaken identity. 
- he wanted to ask more questions and I got suspicious - I asked him if the call was being recorded. He said yes. I told him he never mentioned that from the start. 
- I told him I think they are a fraudulent organization and hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NJ
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:
unauthorized credit inquires on my consumer credit report. 

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 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

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