BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAD DISPUTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$1200.00} FROM THE XXXX XXXX XXXX ON XX/XX/XXXX AND IT WAS DELETED FROM ALL 3 OF  MY BUREAUS ON XX/XX/XXXX IN THE MONTH OF XX/XX/XXXX IT WAS REINSERTED ONTO MY EXPERIAN AND XXXX REPORTS, SO I SENT A CERTIFIED 5-DAY REINSERTION LETTER IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION 611 ( a ) ( 5 ) ( B ) ( ii ) TO BOTH EXPERIAN AND XXXX, BOTH ELECTRONICALLY SIGNED IN ( I HAVE ATTACHED BOTH SETS OF LETTERS ) AND NOW THEY ARE IN VIOLATION OF THE 5 DAY AND HAVE NOT DELETED THEM FROM MY BUREAUS. I HAVE RECEIVED NO DOCUMENTATION IN THE 5 DAYS AND I WANT THESE 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 2017-10-28
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called CapStone collections a representative named XXXX XXXX answers the phone, I told him I think this account does not belong to me and that I have a police report, he said that I was a lair and that he do n't believe anything I say, that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and the only way to get it fix was me paying the whole amount that they do n't do payment plans to stop calling them and he hung up on me twice. 

This is very upsetting, I do n't even think they are a local or a real collection agency, now every time I called he is the only one who answers the phone and he keeps hanging the phone. 

Please help me with this matter I do n't think they are fallowing the collection laws and I feel discriminated and harassed by this company and indivivual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, My name is XXXX and I have filed multiple unsuccessful disputes with Chime. On XXXX, XXXX 2023 my account was fraudulently access from an unknown location. Once I receive the emails stating my phone never had been changed as well as someone logged in. I immediately called Chime. At that point, I was informed a transaction of {$2500.00} was made to someone by the name of XXXX XXXX, whom I have never done business or came in contact with. I did the necessary protocol to gain access to my account by providing my ID and additional documentation that was needed. My phone number had been changed so I had to update my email as well as my phone number with Chime. Now three disputes later, my claim in constantly being denied although it shows this transaction was not made from my device, my location, or using and my phone number. The chime claim IDs are XXXX, XXXX, and XXXX. I will also be attaching the documents I received showing my account was fraudulent accessed on that date and time of this transaction. Ive requested documents from chime to justify why my claims are being denied and I am being told my account have been accessed earlier that day, so therefore, that makes the transaction valid. Im very disappointed in Chime as a merchant because this is clearly not a valid transaction and whoever this person is must have looked into my account and saw I had funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates, LLC has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is  dated XX/XX/2019. 

I did not respond to this most recent communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: FL
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:
THE DISPUTED ACCOUNT IS A PAID ACCOUNT THAT HAS BEEN SETTLED IN FULL, THE ACCOUNT WAS PREVIOUSLY REMOVED OFF THE CREDIT AND IT IS NOW A CLOSED ACCOUNT, AND I WOULD LIKE THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FOR IT HAS AFFECTED MY CREDIT TREMENDOUSLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed a collection on my credit reports with all three CRAs. I stated that the amount charged was not known to me, and requested information as to why the original amount was owed. 

XXXX  has done their investigation, and determined that the information provided by the creditor did not provide adequate explanation as to how/why the account is being collected. 

Equifax, however, has claimed that the same information is " verified '' from the creditor, but will not supply me with any other information. The extent of their investigation, by their own account, is to simply ask the creditor if the account can be verified. If the creditor, simply states that they can verify the account, then the investigation is over. They do not ask for nor receive any other information documenting the creditor 's. 

It is my understanding under the FCRA that once a dispute is initiated to a CRA, then it is the CRA 's responsibility under law to investigate the account. To simply ask the creditor under investigation a yes or no question, and take their word for it, is not an investigation. I was told that there was nothing else they do, and to contact the creditor myself, and request them to close the account. If they agree, then I was to request the creditor to notify Equifax. I am totally relying on the creditor 's honesty in this case. They can tell Equifax whatever they want, meanwhile they actually had to provide the evidence to XXXX, which they were unable to do resulting in the removal of the item from my credit report. To ignore the plea from a consumer to help them investigate information they are furnishing in the first place is unethical and I believe it is a clear violation of the industry standards set forth in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: GA
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:
Remove collections and late payments remove now!!! XXXX acct # XXXX {$27000.00} and XXXX acct # XXXX {$9400.00} These collections and late payments must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation! 
XXXX acct # XXXX {$27000.00} XXXX  acct # XXXX {$9400.00} Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 non-monetary relief
Consumer complaint received 2019-10-14
Company: UHG, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX, XXXX. has repeatedly contacted both of my sisters, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) regarding my debt in an attempt to both collect debt as well as to threaten legal action in the event that no action was taken. A voicemail with the aforementioned behavior was left for XXXX XXXX on XX/XX/2019. Furthermore, a voicemail was left for XXXX XXXX on XX/XX/2019. Moreover, text messages were also sent to both of my sisters regarding the same information on the same dates provided.

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 2019-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
constant calls, as soon as i answer the phone hangs up, i have to search the number online and find it is always portfolio recovery. I do not have debt with them and the few times i have gotten someone on the phone, its alwasy someone with broken english and i tell them i do not have debt or accounts with them, have told them to stop harassing me but still get 7-9 calls a day from them, easily. 

I have also emailed them to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
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: Their investigation did not fix an error on your report

Complaint:
I have found another error from experian with proof I have a copy to prove I disputed this item received a deletion but was never notified and they placed this back on my account / file after they deleted I just now found out The account is from XXXX acct XXXX its unverified account I know nothing of Please remove from y account promptly its affected my credit rating Proof attached Thank you sincerely 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 2021-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I charged the amount of {$100.00} on my BofA credit card. I do not do any online banking. Therefore, my credit card statements are listed as paper billing. For 14 yrs, Ive NEVER been late on any of my credit card payments. In addition, regardless of the charge/s made, I often pay all or most of my balance when I receive my bill. Sadly, I did not recall the above charge being made on this card. When I finally received my bill, I immediately made the payment- in full. BofA reported my account to XXXX as DELINQUENT based on this late payment- which lowered my credit score. This has now made it difficult for me to refinance my home. I've called BofA three times now to try and resolve this issue. None of my calls resulted in any correction. 

On XX/XX/2021, I received a letter dated XX/XX/2021, from BofA asking me to " please call us... we need additional information to clarify your recent inquiry. '' I immediately called the number that was given to me on the letter. I was on the phone for almost two hours with different " Associates '' about this letter. None of the " Associates '' knew what this letter was about and/or why it was even sent. I was told to disregard the letter. After many requests to speak to a Supervisor, I was finally tranferred. When I spoke to a Supervisor, she informed me that, " I do not know what that letter is regarding as there is nothing on our end that pops up. '' This Supervisor confirmed that a single delinquency is generally not reported to a credit reporting agency until the account is at least 90 days past due. She was unsure why this happened to me. She gave me a number to XXXX XXXX to get resolution through them. 

When I looked into XXXX, I noted that BofA reported that I was " 30 days past due '' in the month of XXXX. Yet, all PRIOR months were reported as " OK ''. Which, according to XXXX, signifies that OK means " Current, paying or paid as agreed ''. The delinquent charge in question was on XX/XX/2021, and there were no other charges made during that time on this card. 
Regardless, nothing about my experience has been fair.

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 2023-03-15
Company: Nationwide Recovery Systems, Ltd
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed sevearl things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have presented Discover Bank with disclosure of concerns pertaining the opening of an account in my name as a result of identity theft. Discover Bank has mailed a letter to me dated XX/XX/XXXX for fraudulent account ending in XXXX. In this letter Discover Banks request is for notice of report to credit bureaus of the account resulting of identity theft and Discover 's request if for the block that I have requested on the fraudulent account to be lifted. I am not understanding this request or the poor practice in responding to the several calls that I have made reporting identity theft and requisition appropriate action. Further, I have provided with disclosures for identity theft and request for mitigation of losses to several parties representing Discover, the last party that I spoke to on XX/XX/XXXX at XXXX XXXX, continue to request for a verbal password that he has stated is on the account for an account that is result of identity and stated that he would not act accordingly to address the matter with propriety in response to the consequences of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is regarding a purchase I made with XXXX in XX/XX/XXXX for living room furniture for my new home. The sofa was on sale for {$2600.00} and a console table was {$1300.00} this was paid using deferred interest 245 months. I was unable to pay all by XX/XX/XXXX and on checking my bill XXXX charged me {$3300.00} in interest. I called them and the customer service representative told me that because the bill was not paid in full by XX/XX/XXXX the sale price, I receive for items purchase was retracked and the full price was applied. I told her that does not make any sense. I asked to speak with a manager/supervisor, but she told me I will be told the same thing and hanged up on me. Since opening the account my payment was made on time and apparently all payments, I made prior to XX/XX/XXXX was never applied to my balance. This does not make any sense and the interest/ balance applied to my account is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CORELOGIC INC
State: OH
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 like to order a full Core Logic report, I believe there is some misinformation on my credit report. 
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 2019-12-09
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX GET A CALL FROM SOMEONE FROM ACCESS CAPITAL SERVICES STATING WE OWE A BILL FROM XXXX. 
FOR A LOAN WE HAD WITH XXXX XXXX XXXX AND SENT A STATMENT LETTER CLAIMING WE OWE {$4700.00} WHICH IS NOT TRUE, THIS LOAN WAS PAID AND NOW 14 YEARS LATER SOME ONE IS CLAIMING THIS PAID DEBT, WE ASK THEM TO SEND A COMPLETE FILE OF THIS CLAIM AND HAD NOT RECIEVEIED ONE, WE WENT TO XXXX XXXX XXXX AND THEY WERE SHOCK THAT THIS CLAIM OF 14 YEARS IS BEING CLAIMED BY ACCESS, CAPITAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi! 
Wells Fargo tried to collect negative balance on my account due to identity theft even i reported identity theft. Please advise

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 2021-11-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several inquires listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Uplift, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to get several errors fixed on this account for 6 months and it's been horrible. First, they my balance kept reflecting {$760.00} dollars even though it was paid In XXXX of this year. Now they made ANOTHER ERROR and my payment history was changed on XXXX to missing 2 payments in XXXX and XXXX of this year, while the actual late payment from XX/XX/XXXX was removed. I WAS NOT LATE. I was in a hard ship program that Uplift offered and credit reporting was postponed. The payment was due by XX/XX/XXXX which it was, hence why my payment history was accurate until someone made a HUGE MISTAKE! I called today and spoke to a rep who indicated the whole financial team who reports and call center were new and she never knew they had it because it's no longer offered. It doesnt matter if it's no longer offered because at the time, I was in it. All the emails are attached to this complaint and CAN BE SEEN IN THE SYSTEM AS WELL AT THE COMPANY THAT CLEARY SHOW I WHAT I SAID was accurate. She has no idea why this happened and told me I must dispute it and show proof that it is reflecting wrong. This is horrendous. I shouldnt have to constantly call and file disputes for someone not doing their job in a sufficient manner.

Company response to consumer: Closed with explanation