BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: DISCOVER BANK
State: MO
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:
I submitted an application online with Discover Card on XX/XX/XXXX. I was approved for the Card. However, I never recieved the card due to Discover closing my account. I contacted Discover on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for discover card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER DISCOVER CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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: Information belongs to someone else

Complaint:
To whom it may concern, this is my third attempt to correct my credit report due to fraudulent information reporting. Equifax and XXXX  have violated my rights under the FCRA and have refused to properly investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I contacted Conn’s customer service to inquire what my payoff amount would be. I was told that my balance was XXXX. I asked if that was the amount I needdd to pay to close my account, and I was told that was correct. I paid the amount within a week.  6 months later in XX/XX/XXXX, I receive a promotional flier from Conn’s that also had in the upper corner a note that said Current Balance : XXXX(this amount may be off by a few dollars).  I contacted Conn’s and asked why the flyer showed I had a balance. I was told that I did not pay my balance before the promotional period was up. I explained that amount I paid was given to me by their customer service rep and that was the amount I paid. They put in a ticket and the manager asked that I call back in one week. I called back about two weeks later spoke to the manager and she told me that the balance was being written off and not to worry.  In XX/XX/XXXX, I start to receive text message and emails stating that I missed a payment. I have not charged anything new so I contact Conn’s to see what is going on. I spoke to customer service and they say they see where the balance was requested to be written off and will put in a ticket.  I have called every week since, and today I am told that they are not going to write it off or do anything about it. The representative is now stating that they have no records of any of the conversations not even the conversations with the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XX/XX/XXXX I mailed out letters to dispute inquiries that were unauthorized credit polls on my credit report from XX/XX/XXXX. I have not had any response to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
1. Spoke to loan officer 2. Reported to NCUA 3. Credit Union was receiving my mortgage payment withdrawn as a payroll deduction every XXXX of the month 4. Mortgage payments are due on the XXXX of each month. 
5. Credit Union was not applying mortgage payment received on the XXXX but rather they were holding on to those funds and crediting my mortgage at the end of the month or the following month. 
6.this practice by the credit union severely impacted my credit in a negative manner.

7. Have requested from Loan Officer to refinance my loan due to the high fixed interest of 10.5 %.

8. Officer has refused to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, all my ( hundreds of thousands of ) American Express Membership Rewards ( MR ) points were frozen, per telephone inquiry advice of 2 MR representatives and a supervisor. They explained that the freeze would last up to 8 weeks for a " spin review. '' They said there was no way of knowing why my account was selected for review ( though I've been in good standing with AmEx since opening my account in XX/XX/XXXX ), and that there was no way to expedite the review and allow for my wife and I to secure airline award ticketing of limited availability for our 30th anniversary/retirement. 

The freeze also looks to result in an effective forfeit of 125,000 MR points. It happened immediately after successful online transfer of XXXX points to my linked partner airline frequent flyer program ( XXXX ), and prevented transfer of XXXX points to my wife 's linked XXXX frequent flyer account. I'd have no reason to travel with XXXX without my wife on this trip. 

The MR supervisor said she'd ask her " backroom '' to ask XXXX for my XXXX transferred MR points back from XXXX, but they now belong to XXXX and MR has no right to have the request granted. 

Furthermore there is no information available online indicating anything other than our MR account is in good order, and I have and was told by MR representatives I may not receive anything in writing about the status of my MR account. The supervisor said that I am best not to attempt any further online transfer of points, because that will only cause the " spin review '' to last longer. 

My American Express / MR account web page nonetheless continues to recommend redemption of my points for numerous awards. 

Had I not made a call to MR after attempting transfer of MR points to my wife 's linked XXXX frequent flyer account ( which triggered a pop up notice that the transfer can not be made at this time pending account review ), I would never in my wildest imagination thought that there would be anything more than a short ( 20 minute - 1 hr ) review -- let alone an 8 week review, and that all my reward points were frozen -- not just those I tried to transfer. 

The MR supervisor said she sent a " complaint to corporate, '' but could send me nothing in writing about it, could not identify who/what is " corporate, '' and could not tell me if I would get a response. 

There is also no information about a " spin review '' in any contract terms have with American Express, or any discussion of freezes of MR points. 

I ask that you do what you can to resolve this unacceptable situation, which has taken it's toll. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  is claiming I owe them {$270.00}. I have had this removed from my credit report several times already. I spoke to a lady at XXXX fraud office. She said they were investigating lots of false accounts and she was sure I was being falsely charged being I have never had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: NC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ( Original Creditor : ) XXXX, XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: NC
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:
Please know that I was not late on XXXX BANK XXXX XXXX I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

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 2019-10-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Auto loan AUTO INSURANCE PREMIUM REIMBURSEMENT HAS RUINED MY PERSONAL AND BUSINESS CREDIT SCORES or reasonable working capital financing. The auto insurance coverage period in question is XX/XX/XXXX to XX/XX/XXXX ( same time frame as the account fraud ) and I did not get my refund until XXXX... which is almost 3 years later to finally get my initial check. Here is the series of events that ruined my credit : a. I sent Well Fargo proof of insurance in XX/XX/XXXX and I did not get my check until the first week of XX/XX/XXXX why would it take another 2 3 month on top of initially waiting almost 3 years b. So, I made the deposit and then c. a stop payment was placed on the check ( no explanation for why and no apology for one of many inconveniences ) and I was charged a {$30.00} stop payment fee. The check amount was for {$1500.00}. So a total of {$1600.00} was debited from my account. 
d. So then I told XXXX XXXX from Wells Fargo Dealer Services, I received the replacement check on XX/XX/XXXX and made the deposit today which means I won't be able to make the payment until the check clears on Friday XX/XX/XXXX or Monday XX/XX/XXXX ; e. So, of course, my credit score has been impacted by this going back to XXXX which is my point about collateral damage resulting in lower credit scores leading to predatory loans and is another part of why my business is suffering. This money was going to be used to catch up on my mortgage that I am already 2 months behind on and I will incur additional late payment fees. 
f. Of course, my reaction was disbelief as to why would a stop payment be placed on a check that I clearly provided to you a copy of proof of insurance certificate from my insurance company. 

So now my credit score has been damaged and I was denied a mortgage modification and was given a forbearance plan instead - due to everything that Wells Fargo has put me through with the account fraud and resulting collateral damages and especially the collateral damages from 8 + month long secret biased one sided investigation. So my credit score needs to be repaired. 

I have attached a copy of the XXXX XXXX  mortgage  fo

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 2019-05-22
Company: EQUIFAX, INC.
State: NC
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:
Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Experian Information Solutions Inc.
State: CT
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:
I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice. The accounts that were removed are XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and 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 2021-02-11
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from Capital one and sold to this collection agency. I am filing a claim against Capital one as well. I received a notice from XXXX XXXX XXXX. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to XXXX and Capital One on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but XXXX would send me a printout of incorrect information. I have NEVER did business with Capital One, but XXXX is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from Capital One. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record. 

These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to XXXX. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
cra hippa inaccurate information not mine

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 2019-10-02
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, my name is XXXX XXXX XXXX founder and XXXX XXXX XXXX XXXX XXXX XXXX and I am filing a complaint against cash app for thier fradulent services. They have closed my account three times and I can not cash out, send or recieved money. That's vwry unprofessional, they are holding my money, they won't even let me link mu bank or debit card. They have now closed 4 of my accounts and they talking about they can't or not allowed to give me a reason. They XXXX me off so much that I even threatened then harm if they dont give me my money or a reason! I am sick of Cash App!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 had fraud on my checking account on or about spring XXXX. I finally retrieved all the info Bank of America needed and on XX/XX/XXXX I received a letter from them stating their was fraud and I was not responsible. It also stated they would let outside agencies know. 
After calling them more than 10 times, and getting " we have sent the release to XXXX XXXX. I waited 30 days as instructed. Still on XXXX XXXX list that prevents me from opening a checking account. 10 days ago another stressful call, they told me the agent that was suppose to handle it moved on and the request was returned to Bank of America for insufficient information. BOA assured me they would expedite and relay the release to XXXX XXXX. I just called XXXX XXXX and still no response from BOA.

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 2021-09-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my THIRD letter to XXXX, Equifax, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account XXXX was charge-off status on my credit reports that I have no knowledge of. The account was originally opened with XXXX XXXX, who I am filing a claim against as well on XX/XX/XXXX, showing a balance of ( {$770.00} ), and charged offXX/XX/XXXX The account was sold to Portfolio on XX/XX/XXXX per XXXX XXXX XXXX. I didn't received a notice from Portfolio. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Portfolio on several occasions asking for VALIDATION, original account level documentation. Every time what I requested was refused but Portfolio would send me a printout of incorrect information. On my credit report Portfolio re-aged the debt showing the account was opened on a different date. This is not my debt with XXXX XXXX, but Portfolio is making it their business to pin it on me. I wasn't aware of it until I started cleaning my credit. I've even disputed it with All credit bureaus and they all state that debt is verified not VALIDATED from the furnisher on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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