BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-09
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
A few years ago someone used my identity and opened a college/student account. I have been out of college for almost twenty years now. So, whenever I apply for a card with Discover I am getting denied.

See below.

XXXX Dear XXXX XXXX XXXX XXXX, Thanks for your interest in Discover. Unfortunately, at this time we are not able to approve your application for a Discover it Chrome Secured credit card due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Although we are not able to approve your application, you can find helpful financial tips, easily keep track of your FICO Credit Score for free, and learn more about what affects your credit at Discover.com/Credit-Scorecard.

Sincerely, Discover Credit Operations Team XXXX This is unfair given that I have never had Discover card before. I think that I am being treated unfair and the new account should be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The account balance is wrong across all three reports. Please remove inaccurate information 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
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2020-01-31
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, i went to XXXX XXXX XXXX on XXXX to purchase a XXXX and they ended up running my credit 14 to 16 times with 5 different companies within a 15-day span without my permission. I gave them permission to run the credit one time with XXXX XXXX  XXXX  but they did not tell me that they will run it multiple times with multiple unrelated banks. I found out 2 weeks later that the credit was run multiple times with miscellaneous other banks. My credit score dropped 58 points because of this credit abuse. 

I reached out to the salesperson and she did not respond to any phone calls or emails. The supervisor XXXX called me and she said they can not remove the unauthorized inquiries. 

The manager of XXXX XXXX XXXX XXXX dealership reached out to me and I told him to remove all the unrelated and unauthorized inquiries. He ignored me multiple times. 

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 2020-12-13
Company: Clarkson Law Firm, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Clarkson XXXX  XXXX XXXX are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX and XXXX. I would like to know who gave Clarkson and XXXX XXXX my personal information. I did not agree to any contracts with Clarkson and XXXX XXXX to pay this company anything. I did not authorize Clarkson and XXXX XXXX, XXXX XXXX XXXX, or XXXX  to use my personal information. 
Recently I priority mailed Clarkson and XXXX XXXX, XXXX XXXX XXXX, and l XXXX letters and each company is well aware of what will be the outcome will be if they continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions 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:
On XX/XX/18I opened a dispute with Experian disputing an error on my credit report with a recently opened collection, Experian completed the investigation on XX/XX/2018 and explained to me the information was accurate, so I submitted a reinvestigation on XX/XX/18 asking them to explain and show me proof of the accuracy since I told them the account was unverified, but after they completed it again on XX/XX/18, they said the information have not changed, I submitted the same disputed account with another credit agency ( XXXX  ) and they removed the same account because the information was not accurate.

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 2018-04-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX and spoke with a representative in the XXXX. The purpose of my call was to ask the representative what date do I need to make a payment to save me the most in finance charges. The representative placed me on hold, and came back and said that if I pay on XX/XX/XXXX, I will be charged the least amount of finance charges. In XX/XX/XXXX I checked my account online and found that my finance charge was {$110.00}, which was nearly double what I am generally charged. I immediately called back customer service in the XXXX, and spoke with a representative who said that will not refund any finance charges and the most that they can do is apologize for the error. I asked for a supervisor, he said he doesn't have one. I insisted so he said he can transfer me to someone in his exact position. I asked her for her supervisor, she said she doesn't have a supervisor, and basically said the same thing that her coworker said. I called a number for the fraud division, and they advised me that I can call the main number and request a US representative Monday thru Friday. So today, I called and spoke with supervisor XXXX XXXX out of XXXX, TX who said that even though I was misadvised by a XXXX representative, they can not refund the amount of finance charges that I was misadvised on. She said, I need to refer to my contract.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IVE BEEN A VICTIM OF IDENTITY THEFT, THIS DOES NOT BELONG TO 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 explanation
Consumer complaint received 2021-08-16
Company: Consolidated Information Services Solutions, LLC
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Sylvania Acceptance Corporation
State: OH
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:
I had a car loan with Universal Acceptance which is called Sylvania Acceptance ( XXXX XXXX XXXX XXXX ) XXXX, Ohio XXXX over 10 years ago I believe. Account number # XXXX, 2 years ago because it just came off my credit report and a lady name XXXX had pulled my credit like I had tried to get a current car loan through them Sylvania Acceptance. I have documentation where I have been sending XXXX a month. They are in violation of my FCRA rights, they regard the debt threatened me to take you to court and garnish my checks, and the debt is out of the SOL ( statue of limitations ) in Ohio. The debt shouldnt have been collected any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Real Time Group, Inc.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A property I owned was sold using eminent domain. The sales contract was put in on XX/XX/XXXX. The entire process was handled through court. During these proceedings the owner ( XXXX XXXX XXXX XXXX XXXX ) of the mortgage was identified on XX/XX/XXXX and the total amount due was determined ( {$49000.00} ). On XX/XX/XXXXthose funds were distributed through the court to the XXXX XXXX XXXX XXXX XXXX.

I continued to receive statements from Real Time Resolutions and they continue to report negatively to the credit report agencies. Real Time Resolutions ( a third party debt collector ) stated I still had a balance of approximately {$32000.00} and increasing, currently {$33000.00}. In XX/XX/XXXX, I called Real Time Resolutions to dispute the account stating that the account had in fact been paid in full. On XX/XX/XXXX. I received a letter stating they received a payment in XX/XX/XXXX but that a balance was still due. I disputed a second time and received a letter stating there would not being any further investigation as it was already investigated.

I have since found court documents confirming my claim and submitted those to the credit agencies and Real Time Resolutions. It has since been removed from XXXX, however it is still being reported to XXXX and it is affecting my ability to secure a home loan I am set to close on in the upcoming weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : SPEEDY CASH To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for Speedy Cash, opened in XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from Speedy Cash still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these Speedy Cash accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how Speedy Cash and XXXX XXXX XXXX XXXX regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX.

Sincerely, XXXX XXXX CC : Speedy Cash Corporate Office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get XXXX XXXX XXXX to respond to my requests to validate the date since XX/XX/XXXX. Here are the many violations : 1. I never received ANY calls from XXXX 2. I never received a Dunning letter 3. I found this account while revieiwing my reports on XXXX XXXX 4. I sent a letter via regular USPS on XX/XX/XXXX asking for verification- no response 5. I disputed with the credit bureaus and they all said the debt was verified.

6. XX/XX/XXXX I sent a certified letter to XXXX trying to info on this account XXXX. NO RESPONSE 7. I sent the no response and proof of delivery to the credit bureaus to get the account removed per the FCRA, they responded the account came back " verified '' 8. I sent certified letter AGAIN to XXXX XX/XX/XXXX XXXX NO RESPONSE 9. I again sent ALL letters with Proof of delivery to XXXX and XXXX on XX/XX/XXXX to remove XXXX because they have not responded. To date, no response 10. the account was never marked " disputed '' on my credit report which is a FDCPA violation.

11. XXXX keeps changing the amount owed that they are submitting to the credit bureau. In XX/XX/XXXX they reported XXXX, today they are reporting {$75.00} and {$370.00} for the EXACT SAME ACCOUNT. This is a clear violation!

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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX XXXX frauded money out of me via XXXX I was not told anything about it, to send money to people that are over here he says that he is in the army, XXXX XXXX is supposed to in the army too I sent money to XXXX XXXX from CA and XXXX XXXX XXXX XXXX CA I have both of there numbers one works the other does not. There are alot more names.

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 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a hotel room for the XXXX XXXX XXXX for the dates of XX/XX/XXXX, XXXX XX/XX/2021 through a third party XXXX/ XXXX, the total amount was {$500.00}. Upon arrival to the hotel I experienced a number of issues with the room. I spoke with the Front Office Manager XXXX XXXX. Ms. XXXX, offered me a refund and different room for the inconvenience, I accepted. I never received a refund. I reached out to XXXX  again, she informed that she sent the refund to XXXX XXXX XXXX I reached out to XXXX XXXX who stated XXXX did not submit a refund. I then filed a dispute with Capital One. Capital One credited my account and then recently made a different decision after receiving a response from the XXXX XXXX XXXX XXXX XXXX, response is unreadable and does not support my initial dispute code # XXXX. I requested for Capital One to reconsider it's decision, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
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 recently obtained a copy of my credit bureau XXXX credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and they do not authorize you by me to run my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts.

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 2018-06-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted Eperian, XXXX, and XXXX XXXX  via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX in the amount of {$600.00}, XXXX XXXX XXXX  in the amount {$390.00}, XXXX in the amount of {$86.00}.

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 non-monetary relief
Consumer complaint received 2020-01-31
Company: DISCOVER BANK
State: NV
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 AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER CREDIT CARD ON MY CREDIT REPORT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THIS ACCOUNT IS NOW CLOSED WITH XXXX BALANCE. I HAVE NO IDEA WHO HAS PAID. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. I HAVE NOT AUTHORIZED ANYTHING ON THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Items where illegally ran on my credit. Not giving consent to do so by me.! 
Data facts XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: NV
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 have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see 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 non-monetary relief