BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: DISCOVER BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a Discover credit card and Discover banking account. The Discover banking information was removed from the Discover credit card account as a payment method. The credit card company is still trying to take it from the bank account, even though I ( even though the payment has been made ( from an account that is not with Discover ) ) removed it, and I have a confirmation email saying the payment method was removed ( Wednesday ) Today, which is Friday my account is now XXXX, showing they have tried to take it out once again. 


I have tried to talk to fraud about this both from Discover bank and Discover credit card. The Discover credit card fraud lady, XXXX, said the last 4 numbers of my credit card is incorrect, which it is not.. Something is egregiously wrong, and they are not willing to solve it. 
Basically the credit card side is continually trying to take money from my bank account when the payment method ( which was the bank account ) has been removed ( again, I have the confirmation ) and it was not an automatic payment either. 

Also, 2 weeks ago from today I could not get into my bank account and they tried to blame it on me. 

I talked to them the week of XX/XX/XXXX XXXX. 
I received an overdraft notice on Wednesday, XX/XX/XXXX, and removed the bank payment method from my credit card account once again on XX/XX/XXXX. Today, which si XX/XX/XXXX, I received a notice saying payment I tried to make from the account wont go through? I have not tried to make any payments from this account (? ) I especially think something fraudulent is going on now because the fraud lady said the last 4 of the credit card number I gave her was incorrect, it is the same number on my card. Also, because I had to change my bank account number a couple of weeks ago, it would not let me in even though it was the correct number. I believe I also talked to them on XXXX as well. 
Also, when I opened the account online and I called in to ask questions one of the reps asked for my full social, which I dont give over the phone-especially since I have learned they are working from home. I complained and was given a new card, but that still does not fix things because I dont think they needed that I had the code or number from when I opened it ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I work at a XXXX  in XXXX, XXXX XXXX XX/XX/2022, there was a XXXX guy came in and ask for help. He said his phone is dead and he needed to call her girlfriend. He borrowed my phone to call her and then he hacked my Chase mobile banking app and committed an unauthorized transaction through XXXX. He added two recipients and tried to transfer money to both accounts the completed amount was {$1900.00}. I reported the fraud immediately to the bank because he deleted the app on my phone. I had a video record of the crime from a XXXXXXXX XXXX  camera and I asked the Chase 's fraud team so many times during my calls on XXXX and XXXX XX/XX/2022 to provide a video footage and report to the police. However, the bank said they do not need any more information right now and they will report fraud to the police after investigation but the JPMorgan Chase Bank denied my claim and took my money back from my account on XX/XX/XXXX. The reason the bank denied my claim is that a transaction was authorised because I allowed that person to use my device, and I totally disagree with that. Unfortunately, it's been a month now so the video is gone. I later reported to the police and the report number is XXXX. I contacted the Chase Claim Team several calls on XX/XX/XXXX and XXXX. While some officers required me to provide more document to reopen the claim, one suggested me to go to the branch, one said there is nothing they can do because the investigation is done. I have couple witnesses who saw the person committed crime. Also, I have their names and phone numbers of the criminals. 

XXXX. You added or edited XXXX as a Chase QuickPay with XXXX recipient. 
Get started by sending them money or requesting money from them. The mobile number, XXXX, you provided will be used to alert them about money you send or request. 
2.You added or edited XXXX as a Chase QuickPay with XXXX recipient XXXX 
Get started by sending them money or requesting money from them. The mobile number, XXXX, you provided will be used to alert them about money you send or request. 

I am absolutely sure that I did not allow that person to initiate the transfer. I was tricked by a group of criminal because after he returned my phone, he suddenly got in the XXXX car that was waiting outside. The transaction was not authorised and it was a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Account information incorrect

Complaint:
In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. 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 2022-07-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Spring Equity LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Spring Eq, sales rep XXXX XXXX  was trying to do an equity line for my house up to XXXX he promised me that, before running credit report I told him my credit score is XXXX and my wife is XXXX and that the house value was XXXX and that we owed XXXX. he told me it would be fine we could get the loan. my wife and I went to throughout the process. I even paid for the appraisal XXXX and at the end, he came up with the story that I needed XXXX and my score needed to be XXXX to get the loan. at that moment I felt scammed because the information I gave him, he was not looking for the customer best interest, the appraisal came up at XXXX, which it is a complete lie the houses based on the historical sales and same sq footage came up to be at XXXX, I asked him to disputed but he denied. I called the appraiser and even though I paid for it he denied to reconsider my petition because I was not his client. to me, this is all a XXXX scam. to pay for the appraisal and nothing will happen and getting XXXX   from the customer. please warn the customer about these malpractices made by Spring Eq and sales rep. such as XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX 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, 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 2021-04-07
Company: United Collection Bureau, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
One day I receive an email from XXXX stating that a new collections account was reported on my credit. I log in to see that the collections that was reported was from an automobile wreck that happened on XX/XX/2018. I attempted to contact the company explaining to them that I wasnt responsible for that bill because the driver of the other vehicle drove into the back of my vehicle and his insurance company agreed to pay my medical bills but never went through with their agreement. I had no idea that the bill didnt get paid because Ive never received a notice in the mail until I moved to a new address and filled out a change of address form. Again, that bill wasnt my responsibility and after I called the responsible insurance company, they continued to state that they will pay the bill but kept giving me runaround errands to get the bill to them. I was told by either the collections company or insurance company that the bill can not be sent to the insurance company from the actual collections company. The insurance company provided me an email, for the bill to be sent, that did not work. The hospital that the bill came from stated they contacted the insurance company multiple times to get the bill resolved but they never gotten a response. I then called my insurance company and they distributed a check with the full bill amount so that I could pay off the collections bill. This collections bill caused my credit score to subtract 101 points from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 DEPT OF EDUCATIONXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, and XXXX 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 non-monetary relief
Consumer complaint received 2023-04-26
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct the items right away. 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged, XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX unauthorized inquiries on my Experian Report. They are for XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my credit report.

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 2017-07-20
Company: Stellar Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Stellar Recovery recently reported a { {$210.00} } collection account on my XXXX credit report. Prior to this account appearing on my report, Stellar Recovery never supplied me with a notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: MN
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:
The following collection account and credit inquiries currently listed on my XXXX, Experian, and XXXX XXXX credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/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 2020-12-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2020, at approximately XXXX XXXX, a gentleman named XXXX XXXX from Midland Credit Management called my employer, XXXX XXXX XXXX  XXXX XXXX, asking to speak with me but refused to state where he was calling from. He called from XXXX XXXX XXXX XXXX. A reverse phone lookup reflected it is from Midland Credit Management. I returned the call from my cell and a recording answered saying that this line is being investigated for fraudulent practices. 
On XX/XX/2020, at approximately XXXX XXXX, a woman called my employer AGAIN ( from phone number XXXX ) and refused to leave her name but stated she was calling from " Midland ''. 
I am not allowed to receive personal calls at work. They need to stop harassing my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: OR
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 sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.

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 2019-08-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I tried to contact XXXX by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. XXXX has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: FL
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.

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