BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have sent letter after letter to this company starting in XXXX XXXX when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}

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 2021-03-24
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX in regards to a vehicle that was reported to Allied Collection on XX/XX/XXXX. After providing the VIN of the vehicle, at the request of the representative, there was no record of the vehicle at XXXX XXXX. I contacted the DMV on XX/XX/XXXX and it was confirmed that the vehicle registration was surrendered in XXXX, the same time the vehicle was returned to the car dealership. The representative advised me to satisfy the debt but was unable to provide information on the account. Due to a lack of data, I am requesting the removal of this account 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
Consumer complaint received 2017-07-07
Company: U.S. BANCORP
State: NY
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 XXXX years old. I have been in the hospital and XXXX for the past 10 months. I XXXX XXXX XXXX XXXX XXXX and have been away from my home for more than that period of time. I received a bill from Charter Bank for {$50.00} in XXXX 2017. I did not apply for this credit. I have never received or used a credit card from this company. I was in the hospital and my daughter called and was told this was a fee for the line of credit. She explained the situation and was told she needed to send power of attorney to speak with them. She sent it and said it was insufficient they wanted her social security number. she did not provide it to them. She told them that I never ordered this credit. Faxed them the invoice and letter to their fraud department to cancel and remove these charges. They did not respond. Since the first bill two other bills have processed and each time we fax a letter stating I did not request this and to delete the charge and remove this from my name. I feel this is a scam and they are preying on old people all the charges will add up to alot and they will get from my estate if they do n't get it from me. I did not ask for this to be opened at all ... please help.

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 2017-11-10
Company: Experian Information Solutions Inc.
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:
I have many inquiries on my credit report from XXXX, XXXX, and Experian. I already submitted a dispute with Experian. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull 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 2019-05-12
Company: V and H Portfolio
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: Information belongs to someone else

Complaint:
Vance and Huffman I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had my Amazon Store card for over 5 years now and never missed or was late on any payments ( 72 ) to be exact. I recently closed my account but still have been paying on my XXXX balance, my bank offers a better rate and Im trying to do away with some credit cards I have. Just prior to closing my I got a notice that my XXXX payment in the amount of XXXX was paid then returned by my bank, the dates Synchrony Bank who handles Amazon said this all happened on XX/XX/21. After checking with my bank no transactions took place on that date, the XXXX was processed on XX/XX/21 and was never returned unpaid. I sent my bank statements as proof but after 30 days I was told they needed more proof, so I sent more and again got a letter stating they needed more proof. I have contacted my bank and they are gathering as much proof as they can to show it was paid. In the meantime I signed onto my account to make a payment on my XXXX balance only to see it has now grown to XXXX?. Remember this account was closed by me. I immediately called Synchrony and questioned the increase, after 20 minutes the rep said it was a payment adjustment but all she could see was XXXX?? I was then told she would refer it for investigation and would here back in 90 days. These the same people who cant even credit my account the money I paid and truly dont trust them to resolve this new issue They Created. I need a third party to over see what they are doing because in the process there going to affect my credit if it isnt resolved.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Delta Management Associates, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX XXXX XXXX called from XXXX from Delta Management and attempting to collect on educational debt. She refused to remove my contact information from their calling system after I told her that she was looking for someone else with the same name and date of birth.

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 2021-11-11
Company: DISCOVER BANK
State: TX
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:
XXXX XXXX informed me I do an excellent chance of receiving a credit card from Discover with a deposit. A credit card to improve my credit. My credit history very good. The evidence is I was late to pay Discover, but I paid every debt to Discover I owed to discover. The evidence is Discover will earn money by giving me a line of credit. Discover will be paid. Discover denied me a line of credit inappropriately. My credit score was negatively effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
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:
I have many inquiries on my credit report from XXXX, Equifax, and XXXX. I already submitted a dispute with XXXX. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent Citi bank 3 checks totaling {$430.00}, 2 cut up credit cards and a letter to close my mastercard account ending in XXXX on XXXX. They cashed all 3 checks and closed my account and then lost my payments some place in there system. All 3 checks have cleared check # XXXX drawn on XXXX for {$100.00}, check number XXXX drawn on XXXX XXXX XXXX for {$200.00} and check number XXXX for {$130.00} drawn on XXXX XXXX. All three checks cleared my banks on XXXX. Now they want me to dig up copies of these cleared checks and send them to them because they screwed up and can not locate my cleared checks. They want me to do hours of work going to each bank and requesting copies of the cleared checks. You should note I do not do any online banking for security reasons. They are not offering to compensate me for my time, yet they charge me when ever i make a mistake and send them a late payment. I bill my time at {$350.00} per hour and this will take at least 2 hours to to get them what they are requesting plus i have to pay each bank for the two copies of each check as they want front and back of each check

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 2019-06-20
Company: Jon Barry and Associates, 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: Information belongs to someone else

Complaint:
Paragon you closed the accounts but still see one at XXXX in price. Paragon please remove asap. The recent write up from Your company Paragon states y'all will be closing removing all accounts in the cfpb complaints inbox in writing. Thanks for you response. Have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: DISCOVER BANK
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: Was not notified of investigation status or results

Complaint:
My compliant is against Discover Bank, account # XXXX, date open XX/XX/XXXX, account status open. On XX/XX/XXXX. I sent a dispute letter so the Discover bank can investigate on a 30-day late payment back on XX/XX/XXXX. Discover Bank fail to mark the account as disputed after they received our dispute notice, violation of FCRA and California Credit Reporting Act. Im attaching letter I sent back on XX/XX/XXXX with proof that fax was successfully received by Discover Bank. Im also including an unfiled SC-100 that I will file in the event that late payment is not remove from reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: DISCOVER BANK
State: NY
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 accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capitalone sent me an invite to determine if I was pre approved or not, Capitalone pre-approved me and told me I was eligible to use many credit cards. I applied to receive a line of credit and I was denied. The evidence is I was late to pay during the past to Capitalone but I did pay every debt owed to Capitalone. The evidence is I will pay any debt owed to Capitalone as I have paid every debt I owed during the past. My credit score was negatively effected. The government is actively lying about me and I suspect Capitalone is cooperative of corrupt investigators.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: POPULAR BANK
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of XXXX, my wife and I opened an online savings account with XXXX bank XXXX an internet based bank ) and based on verbal representations and documentation were led to believe that our account 's interest rate would fluctuate based on prevailing rates. We deposited a large amount of money and our decision was based on what we had been told, that XXXX would increase ( or decrease XXXX our interest rate of return based on prevailing interest rate conditions. 

Instead, as interest rates went up to 1.45 % APY, the bank kept our interest rate earnings at the original 1.15 % APY. In late XXXX XXXX I discovered that XXXX had created XXXX renamed XXXX their savings account product and that for weeks or months they had been opening new savings accounts at a rate much higher than the 1.15 % they were paying us. 

In early XXXX I phoned them and stated that I was upset that they had neither raised our interest rate as had been promised, or at least notified us that they had created a higher interest rate savings product that we could have switched our money into. I requested that they make it up to us by computing how much we should have earned at the higher rate and adding it to our existing account. After waiting 5 days for an answer, I was finally refused. We have since moved our savings out of XXXX. 

I honestly believe that XXXX bank defrauded us out of the earnings we would have and should have earned if they had stuck to their promise of raising ( or lowering XXXX our interest rate based on prevailing rates. Instead, to cheat us out of what we were entitled too, they renamed their savings account product in order to avoid paying us a higher interest rate, then told me I should have switched into the new account. We suffered lower earnings and income as a result of their fraudulent misrepresentation. XXXX is playing a cheaters game by lying to customers that they will raise the interest rates they pay their savings account holders and then failing to do so.

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 2017-11-10
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a call at work and was told I my receipt got sent back for wrong address. I them asked what my total due was XXXX XXXX gave me an amount due I unaware of. I have been calling for months making a {$15.00} payment and he not once mentioned I had 3 other bills. I had no knowledge of these bills and further more the address they were sending these bills I have n't lived at in over 3 years. So I was frustrated I never agreed to pay 3 more bills I did n't even know I had 3 bills. XXXX was rude and cursing at me I started recording call once began yelling saying they do n't pay him enough to be dealing with me. He was out of character and when I asked to speak to speak to a supervisor he would not give me a direct number supervisor was no help kept asking for my updated address and did n't care how I was just disrespected. I have never in my live been treated like this my any person I work for a major company and have never been spoken to like that by even a customer. My medical info should have never been sent there its violation of my HIPPA rights.

Company response to consumer: Closed with explanation