BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is delaying my request for an investigation by means of multiple requests for identification ( # XXXX ) that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see ACCOUNTS XXXX ***XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX****XXXXXX/XX/XXXX{$260.00} ****XXXX  XX/XX/XXXX {$57000.00} ****XXXXXX/XX/XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX ****XXXX  XX/XX/XXXX{$54.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$130.00}

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 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an ACH deposit into my Capital One 360  checking account on XX/XX/21 in the amount of {$10000.00} from the SBA. This money was awarded to me as a grant. Im an XXXX XXXX and Im a professional XXXX XXXX. Im contracted with XXXX XXXX Of XXXX XXXX. My account has been frozen along with all of my funds for absolutely no reason. I was humiliated and treated like some sort of criminal in the local branch, when all I tried to do is make a partial withdraw. Instead I was handed a sticky note saying call this number with no explanation of what was going on. The number was to the fraud department where I was further humiliated after waiting to speak to someone after a two hour wait time. She asked several invasive questions that I answered because at this point its obvious that I had been automatically found guilty and I had to prove my innocence. She advised me if I want to help further my case along, I should send over my tax returns, 1099 and any other documents that I had as proof. I cant understand for the life of me why I would have to provide my bank with any of this when it took an entire year to even get approval for this grant and the SBA required everything with the exception of a pint of blood before being approved. She said several times this is what the government is asking us to do. So I sent over all documents immediately. Still nothing and they emailed me saying that my account was frozen and if I have any questions call this number. The number provided in the email doesnt accept incoming calls. This is unfair and Im sure in some way illegal practices. I am a U.S citizen and a hard working one at that. How is this right? Ive been out of work for over a year due to Covid and they can just freeze my account with everything in it without a explanation or cause. This is pass insane and I want justice and Capital One to be held accountable for these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This so called debt collector ( " Medical Data Systems '' ) keeps calling but will not give me any information on what debt it is? They only want to collect information from me which I refuse to give them. They call weekly. We told them we do not owe any debts and to quit calling us.

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Dear XXXX, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report.I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations.

Below are the violations reported : 1 ) Delinquent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws 2 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy.

3 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

4 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

5 ) The payment history reported is incomplete.

I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: LA
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:
In XXXX, XXXX & XXXX 2020. I reached out to XXXX and Equifax with proof. The accounts were never updated nor deleted. 

XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm up for a new job promotion my credit was ran and came back with information I have a police report for that is not mine showing. I need to get the matter corrected with this place I never heard before before I lose my promotion

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 2017-10-27
Company: Resurgent Capital Services L.P.
State: OH
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:
On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On OXX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX7, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or e-ocar verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: OH
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 NameXXXX XXXX XXXX Account # XXXX Account NameXXXX XXXX  Account # XXXX, Account NameXXXX XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account NameXXXX XXXXXXXX XXXX XXXX Account # XXXX Account NameXXXX XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX Account # XXXX, Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: AMERICAN EXPRESS COMPANY
State: MS
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.

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 2017-10-28
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date of alleged collection payment : XXXX To whom it XXXX concern : I am filling a complaint against Gold Key Credit , Inc. Florida because I just cant seem to get any information or validation of a collection for XXXX they say I have from XXXX. Not only have they not answered my certified registered mail to them, they have still failed to provide me with the verification of the collection payment of XXXX from XXXX, they say I had. I received a computer-generated invoice telling how much is due. The date in question I was in XXXX, Florida working, not sure how I can be in XXXX places at XXXX time. 

On XXXX XXXX, XXXX I sent registered certified letters to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, FL XXXX. I have attached letter and copy of certified receipt. I called many time only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me just to pay it. Not giving me any information to why. 

I also sent information to all three credit bureaus. I have attached letters and copies of certified receipts for XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX. XXXX XXXX only because XXXX and XXXX have deleted ). 

XXXX XXXX and XXXX looked at all the information I sent to them and deleted it from my credit report, however XXXX has not been so for coming. After suppling information about the company not being licensed for Florida via the Florida XXXX XXXX XXXX XXXX XXXX copy enclosed ), still nothing has been resolved and I have received no information to state otherwise. XXXX Credit Bureaus only indicate that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. 

Not only have I been turned down for multiply credit opportunities because of the erroneous information. I am still not able to get them to even respond to me with information on the collection they say is actual. I am hoping you will be able to help me get the information I need. As well as getting this erroneous information deleted from my credit report. Like I said above I have attached copies of letters with certified registered receipts for both Gold Key and the XXXX XXXX. I am hoping to get to the bottom of this soon it has been going on for over a year now and I cant seem to get help from anyone. 

Thank you ahead of time for all your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law. 

This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out. 

The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's . 

The company has already stated the balance is XXXX, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was contacted by a collection agency about a debt in collections from Discover of XXXX. I had not knowledge of this debt. I disputed it and a fraud case was opened. 

The week of XX/XX/2022 I contacted XXXX for an update on my dispute case. I was told it was discovered as a valid debt from Discover and collections was being sent back to them. 

On or around XX/XX/2022 I contacted Discover and Discover XXXX at the request of Discover to review my findings and request where to send this information. I was passed around to several departments. Some of which could not find my name and this account in their system at all. I also requested several times that the fraud case be reopened and that info sent to XXXX. As of XX/XX/2022 that had not been done and the account had been turned back over to XXXX ( per my call to XXXX at XXXX ). XXXX took my information and resubmitted it back to Discover as fraud. He provided an email at XXXX for me to send this additional information to as well. 

Also to note in my calls on or around XX/XX/2022 I requested to talk to the case XXXX, XXXX several times. Attempts were made to transfer my call there. They were unsuccessful due to phone issues. I was told to call back as she was at lunch, but she was also going into a meeting at XXXX central. I called back before her meeting. Again I was met with phone issues. I requested a call back from XXXX to go over the next steps I needed to take and update her on what I had found. I never received a call back. I then contacted Discover Security, which lead me to several different departments with no resolution or way to send my information to them. I was told to contact Discover Security again by the last person I talked to. I contacted Discovery Security again today, and the number I was given by XXXX was incorrect. An attempt to transfer me from the credit card division to the loan division was then disconnected. I called another number Discover had given to me. I was given the website to upload this info to and told my info would be passed along to a XXXX. I will be submitting all information via that website. A new case was opened ( XXXX ). I requested all information be sent to me on this account again. 

I have a XXXX XXXX report showing that no account numbers given to me by both XXXX and Discover have ever been open, closed or held in my name or social security number. I have a letter from my bank stating the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX request Please see below a copy of the letter I sent to Belk XXXX. XXXX XXXX XXXX FL XXXX, regarding an account that is still reporting negatively on my credit reports. Belk XXXX. XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Belk, Please see attached a copy of the letter sent from XXXX. XXXX XXXX whom represents XXXX XXXX XXXX XXXX ( Office of General Counsel ), this is whom this Belk, account # XXXX, was sold to. Please see the highlighted areas on the letter that indicate that they have sent notification to have the account removed from my credit file. As of XX/XX/2019, Belk is still showing on my credit file. I am requesting for it to me removed immediately. XXXX XXXX XXXX ** I have attached a copy of the letter from the office of the general counsel**

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 2022-03-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/24 I tried to pay a merchant {$240.00} via XXXX XXXX. After a few failed attempts I charged the pymt to my Debit card. Next day there were two xactions ( one from XXXX XXXX and one via debit card ) but merchant only recd one. I disputed the xaction that the merchant didnt receive but the bank charged back the one the merchant DID receive. I had to reimburse the merchant directly for the funds they took from her so Im still missing the {$240.00} from the XXXX XXXX xaction. I have made several calls and asked to dispute the one the merchant didnt get but they refused to allow me to dispute it. Meantime, I had to pay the merchant {$240.00} AND my acct hasnt been credited for the {$240.00} XXXXXXXX XXXX withdrawal so Im still out the same {$480.00} I was out on the day I filed the claim. I believe that by refusing to allow me to file a claim for the XXXX XXXX xaction, the bank is in violation of Reg E because I sent {$240.00} to a merchant that the merchant didnt get but the bank has refused to allow me to file a claim to get those funds back.

Company response to consumer: Closed with explanation