BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: I.C. System, Inc.
State: CA
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:
IC System keeps adding/attempting to add itself to my credit report for a bill that is invalid and/or inaccurate. I have disputed this item on my credit report several times over as it has been reported by multiple collection agencies with falsified and/or inaccurate information. IC System collection reportings were previously deleted from my credit report but somehow IC System keeps managing to add itself back on for the same disputed item. It is my  understanding that a creditor nor collection agency can report falsified and/or inaccurate information on a consumers credit report. IC System with its various tactics keeps attempting to damage my credit report with falsified and/or inaccurate information. Please put an end to this.

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 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/2019 XXXX XXXX stole my info from XXXX  XXXX  along with other homeowners information and used it as fraud in my credit cards and bank accounts. I have 3 police reports regarding the incident. I have disputed all things however capital one refuses to accept the fact that my accounts and credit cards fell under fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently made aware of two accounts ( account numbers : XXXX and XXXX ) allegedly owed a debt that are being reported by Financial Data Systems LLC. I sent Financial Data Systems LLC a certified letter requesting that they verify both debts on XX/XX/2021. The letter was delivered to Financial Data Systems LLC on XX/XX/2021 by USPS certified mail. I have not received any response whatsoever from Financial Data Systems LLC in over 30 days. They have FAILED TO VALIDATE THE DEBTS at my request which is a FDCPA violation and to my knowledge they are continuing to report the disputed debts to the credit bureaus which is a FCRA violation. Ignoring my requests for debt validation and continuing to report the debts to the credit bureaus has caused damage to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CCS Financial Services, Inc.
State: IL
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:
This account is through progressive and has been paid off and verified with the company. I disputed this account for the second time to have it removed and they changed the remarks to incorrect and never removed the information. Please verify and remove. The account is old and was paid off long ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: DISCOVER BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The Discover Bank sold me ( and thousands others ) a checking product called their " Cashback Checking '' account. The primary selling points of this account was called XX/XX/XXXX. The account holder would earn XXXX cents for each of the following transactions ; a cleared check, an online bill payment, or a debit card transaction. These selling points were the reason I opened the account in the first place. 

In the last month or so, I started receiving correspondence from Discover Bank that they were restructuring the Cashback Rewards program. The letters and emails read that they would pay 1 % cashback on debit card purchases instead of XXXX cents per transaction. Just yesterday I received an email stating in the fine print that not only were they changing the debit card portion, but the entire XX/XX/XXXX program will be discontinued beginning XX/XX/XXXX. I will no longer earn a dime when I write a check or do an online bill payment. 

I am furious at Discover Bank for pulling a bait and switch on me. They tout their new program as better because it has a higher monthly rewards cap of {$30.00} instead of {$10.00}. I do n't care about that. With the way I 've structured my spending, this change will greatly work to my detriment in the rewards I earn. They are fundamentally changing terms of what I agreed to. 

I called Discover Bank customer service to voice my complaints and find out if I could opt out of the new program and keep the terms I agreed to. They thanked me for calling and said they would file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was being charged {$25.00} from what I believe the last two years maybe more never realized it. I check my statement but since I have many transactions it went unnoticed. It is from a company that offers family insurance in case of accident that Bank of America offered me but I never signed any paper that I recall. I dont step foot in a bank mostly is all through online and they didnt even have my current phone number so how did they get my account number if it was supposeably through phone. I have been trying to speak to that company and a representative just told me someone would call back to talk to me. They couldnt give me any details. All I want is for them to prove if I signed up for it or if they committed a scam I dont recall giving them my 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 2020-09-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have the following incorrect information on my report that I need removed. 

XXXX  - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX Experian - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my Experian, XXXX, and XXXX  reports accordingly. After numerous reuqests of being ignored I demand that they be deleted 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 2018-09-10
Company: Westlake Services, LLC
State: PA
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:
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX  responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: M&T BANK CORPORATION
State: PA
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:
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.

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 2022-08-12
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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 Balance : {$560.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have two dates they have come by the house looking for me and those were XX/XX/2018 & prior to that, it was about a week or two before on XX/XX/2018. 
Then on XX/XX/2018 they called my Work. After they were told not to call again, they did later that same day & harassed a coworker by questioning them whether or not they were delivering their messages to me. 
Then on XX/XX/2018 I sent a cease & desist letter. 
XX/XX/2018 they contacted my sister in law & my biological sister about my debt. 
The calls to my employment are daily and have been since the beginning of XXXX of 2018, even after they asked to stop calling. 
I am filing bankruptcy and was advised to stop paying & their pursuits to collect on me have been relentless ever since. 
The bankruptcy hasnt yet been filed due to not being paid in full but it will be in the next 30 days. 
Im just following the advise of my attorney by filing this complaint in hopes of getting the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I received a message in my email from XXXX XXXX, that Commenity Bank had closed my XXXX Visa Card. There was no prior notice. 

This card had a {$0.00} balance for almost 3 years. This was oe of my oldest acccounts, almost 7 1/2 years, and payments, when there was a blalnce, were paid on time. 

When I tried to inquire as to why the account was closed, I received a voice mail that said " if I was calling because Commenity had closed the account, there was nothing that could be done. I would have to reapply. '' Why? 

This action has lower my credit score through no fault of my own. I am consciously trying to build my credit score, and these banks in response either cut my credit limits by the amounts I pay the card down or they close out the cards. 

I feel as if this is done purposely to justify higher interest rates. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a XXXX alert a few weeks back regarding a debt collection agency ( Diversified Consultants, Inc. ) trying to collect {$500.00} from me, for XXXX. I contacted XXXX to obtain more details. XXXX, with me on the line, contacted Diversified Consultants, Inc. asking for more details. Diversified stated they were trying to collect on a debt from 6 years ago for XXXX. They provided little information but, because the account wasn't mine, they sent me a " fraud packet '' through the mail. After receiving the " fraud packet '', I notice they're asking for a copy of my DL, bank statements, proof of where I had lived 6 yrs ago, police report, and the packet needed to be notarized. Today, I contacted XXXX directly making them aware that this was not my account. I asked what cell phone number the account was under. They wouldn't give that information to me. I asked for a copy of the contract. They stated they didn't have that available. Frustrated, I then contacted XXXX  to dispute the account. The person I spoke with stated that they don't need proof from XXXX in order to leave the debt on my credit report. This is outrageous. XXXX demands I pay them {$500.00} for an account that isn't mine. XXXX adds a derogatory remark on my credit, yet will not provide me any supporting documents - no copy of a contract nor the supposed cell phone number. XXXX  isn't demanding proof of the debt either yet they insist on leaving the derogatory remark on my credit. In six years, I hadn't heard of this debt - I had not been contacted at all over this. Suddenly, I'm being bullied over a debt that isn't mine and I'm receiving absolutely no assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: TD BANK US HOLDING COMPANY
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 ordered an XXXX exercise bike from XXXX XXXX but was charged for a over {$4000.00} treadmill. 
It took me countless hours to resolve this situation with TD Loan who XXXX XXXX uses for their financing. 
I am so upset to have been treated so unprofessionally and now see that my credit has lowered because of them reporting I owe {$4300.00} when I only owe {$2000.00}. 
Im very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
An XXXX  user reached out to me via XXXX claiming he was a XXXX XXXX. We began talking and when I said I was interested in investing, said he would send me some money to get started with it. He sent me two checks for {$2400.00} via email. One on XX/XX/2020 and one on XX/XX/2020. I had decided against using the funds both times and he had me send the money back through XXXX, XXXX, and XXXX. XXXX XXXX was the name on both XXXX and XXXX that they had me send the money to. The email for " XXXX XXXX '' is XXXX. The email he sent the check through was XXXX. I have filed disputes through XXXX, XXXX, and my bank, PNC. I have not heard much back yet, but PNC has made it sould like a dispute is not likely. I am very frustrated because I am a young XXXX  XXXX and that aspect was prayed on. I am now in even more debt because of it. The company on the check is named " XXXX XXXX XXXX. '' I spoke with them on the phone and they did in fact assure me that is they were fraud checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: IN
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:
THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX XXXX COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF

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 2021-10-11
Company: Conn's, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been in and out of the Hospital having XXXX, I make my payments, struggling to make full payments {$290.00}, I have been making partial payments, In XXXX I made {$590.00} payments, was suppose to get a 3 month extension, if I give my credit card information. I still get repeat call 3 times a day, even on Sunday. I am not avoiding phone calls from these people. I made a payment arrangements with this company online still get these repeated phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attempted to complete a short sale. Obtained lien holder approval. Buyers title company was unable to obtain title insurance, therefore was unable to complete the sale. There was a backup buyer who made a higher offer, which would have made the lender more money than originally approved. They have denied a request for a new review because of the foreclosure sale date set for XXXX18. This date was activated when the back up buyers offer was submitted for a new approval. Since the date was activated the new review is with in 37 days of the auction date. This is the reasoning the lender will not review the offer or postpone the sale date to allow enough time for a new review.

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 2018-03-14
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/XXXXI sent two certificates letters XXXX and XXXX To Equifax to validate the accuracy of two accounts informed with negative information reported by XXXX XXXX  # XXXX and XXXX XXXX # XXXX .I gave 30 days since received the letters to complete the investigation Never received a reply to those letters sent in the 30 days terms. OnXX/XX/XXXX I sent another two certificates letters XXXX and XXXX indicating that they had violated federal law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law by not replying in a timely manner to my initial letters. They replies those letters with the argument that they verified the accuracy but with no signed document that proves that those accounts belong to me I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.in two occasions They have not verified 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 matter as soon as possible Thank you. 
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 see attach below with copies of the letters sent a proof of delivery by USPS.

Company response to consumer: Closed with explanation