BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: Jon Barry and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX just put a collection on my credit report without sending me a notice of the debt. If I had received a notice I would have paid it! I take very good care of my credit and monitor it daily. Im a veteran and make sure all my bills are paid.

I called them and advised them and offered to settle it but I want it removed since they did not follow procedure. They were very rude & hung up on me.

How is it ok for them to just whatever they want one someones credit report and then treat you badly when you call in to take care of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2021-12-04
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXXXXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX CO Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX XXXX, 2021 ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft XXXX XXXX, XXXX, XXXX, has fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I saw an online offer by Bank of America on their website ( bankofamerica.com ) offering, for the travel rewards card, " XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days of account opening- '' Since I had another BOA credit card with their phone number, I called and asked for the promotional offer. The woman was not sure about the offer, but, I assumed that since it was advertised on the BOA website, it would appear. I called back BOA right after I completed the application on the phone to make sure that I had gotten the XXXX online bonus points and they said that they would get back to me. I just received a letter today, XX/XX/XXXXstating that I would not be granted the XXXX online bonus points since I did not fill in the application online even though I asked for the offer and called back immediately after applying to check on the offer. I was not told that the online bonus points were only if you completed the application online ... I would have, certainly, applied online, had I been made aware that the offer only applied if you did the application online!! So, I called today and spoke with XXXX XXXX at BOA. I was told that the offer was not part of my credit card and that I would not receive it. This is deceptive advertising as it was not made clear that the online bonus points would only be granted if you completed the application online. The agent told me that I should have scrolled down to the bottom of the online application to see the terms ... I do n't think that I should have been misled at the onset and, then, forced to read all the way to the fine print to realize that this offer was only for completing the application online. This violates full disclosure as it is deceptive and misleading, not adequately disclosing that the offer is not available if you applied by phone. I have attached the capture of the website promotional offer. It, still, appears today. I just scrolled down to look at the terms and there is nowhere that it is required to apply for this online!!!

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 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One is refusing to activate my credit card due to a fraud alert placed on my card after it's approval. This is the second card these restrictions were placed on after it's approval. I have XXXX other accounts with this company which includes an authorized user account. I've spoken with several reps which all have given a different reason why my account is flagged for fraud. Whenever I asked for an explanation of fraud I was told that it's their process. In XXXX restrictions was placed on my card after it was shipped. Capital One requested a copy of my ID stating that it's the application process. The first week of XXXX I received a pre-qualified online application which was approved. On XX/XX/XXXX, I received a letter requesting that I contact Capital One for additional info to complete the processing of my application. A day or so after the card was shipped. I was denied activation once I received the card due to a fraud alert placed on my card for no apparent reason. I was asked to submit a copy of my ID, proof of residency and my social security card. These items were submitted but deemed unacceptable. I didn't feel comfortable to submit my bank statement in it's entirety to verify my address. Today I uploaded my ss card and the first page of my online bank statement. It was rejected by a XXXX stating that it was fake and that my account number need to be on the front page and all pages should be submitted. My bank account number has nothing to do with verifying my address. The previous rep stated that the bank will be contacted to verify my identity, this is unheard of. This process sounds fraudulent. Capital One shouldn't be allowed to contact my bank with my personal information to access my account for any reason, that's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 I spoke to XXXX XXXX regarding an error Bayview Loan Servicing created on my Loan Number : XXXX XXXX sold my load to Bayview Loan Servicing. Bayview Loan Servicing is reporting I am 3 months late. However I have never been late as I have banking  information and statements showing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The TransUnion Credit Bureau is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2019-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery XXXX XXXX XX/XX/2019 received call asking for deceased Husband, when told he passed away " XXXX XXXX '' insisted to speak to him, asking when did he pass away told her XX/XX/XXXX .She insisted to know what year? .I told her I already sent you death certificate and all that information, She continued to ask in loud tones WHAT YEAR, What Year, Being Upset and woken up, I said this year by mistake, She then Said loudly and mad its XX/XX/2019 it cant be this Year. I then told her I sent you all this information including the death certificate.She hung up, I composed myself, best as I could being very upset to be woken up like this. Im XXXX years old. Then I called back, they would not give me that person to speak to.The person insisted on getting more personal information that was not his business, insisted they said we don't have access to that information. I told him the call was being recorded and told them if they call again I was turning the recording over to the lawyer in town. They kept telling me to verify everything I said, including getting my address and phone # Finally I said No I sent you certified Mail for everything needed for this address. Portfolio Recovery has also sent mail to all my relatives in other states, address to me,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Security Credit Services, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: TX
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:
I did not authorize nor consent to the following inquires being furnished on my consumer reports.

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 2018-01-22
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Southwest Collections SOUTHWEST COLLECTION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has reported so many claims to the bureaus I owe them anywhere from {$7.00} to {$300.00} and I have had them all removed due to accuracy as they are not mine! I have PPO private insurance and I have never been to their urgent care, but I also never had a co pay or any EOB from my insurance showing I went to this Urgent Care. They keep adding new claims to my credit report every time I get one removed and they are always for a different amount. 
I consider this harassment and they are out right lying. I know I have not ever been there and this new claim is the 5th one in 18 months they have tried to collect form me. Never once did I receive anything in writing or by phone about the debt. The first I ever heard of any of them was when they showed up on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor ) XX/XX/XXXX {$180.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TRANSUNION. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TRANSUNION has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX. XXXX XXXX XXXX Date XX/XX/2021 ;

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 2021-12-04
Company: ALLY FINANCIAL INC.
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2017-07-31
Company: Harley Davidson Financial Services 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:
I have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to Harley Davidson Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX XXXX XXXX and also to the credit agencies to no avail. I DO NOT own a Harley Davidson and I never have. This is the result of someone opening accounts in my name.
I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a harley. I have spoken to Harley Davidson and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal allowed XXXX to withdrew my funds which I did n't authorize. I never received item back and PayPal just took my money fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage 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 2021-12-04
Company: DISCOVER BANK
State: MN
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 had a previous Discover credit card account that was discharged under Chapter XXXX Bankruptcy on XXXX XXXX, in the United States District Court District of XXXX XXXX XXXX. I have applied twice for a Discover Secured credit card, but both of my applications was denied due to the previous Discover account that was discharged in bankruptcy court. I want to know when will Discover Bank allow me to apply for, open up, and get a Discover Bank secured or unsecured credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Investment Retrievers, 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:
I have tried to contact the company regarding the complaint to no avail. I am disputing both the validity the time and the debt itself. The debtes not mine but a family members and 8 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage XXXX.

Company response to consumer: Closed with explanation