BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Account : CAP ONE XXXX. If you claim this account is XXXX XXXX accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls, usually from XXXX XXXX every day. Robocall tells me to call back, I call back, but they say I am not in their system, and I have to wait on hold to speak with a manger to be put on their do not call list. Every time, they tell me I will be added to a list, or taken off the list, but their robocaller continues the harassment. They still can not find any record of my number, and call every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My basic complaint with care credit i.e. synchrony bank is that they resolved the dispute in my favor in XX/XX/XXXX then continue to bill me and now they are saying they resolve the dispute in the providers favor - here is a synopsis : XXXX XXXX XXXX XXXX Care Credit Rewards MasterCard Account # XXXX XXXX XXXX initially opened a quality of service issue on XXXX XXXX, XXXX for the full amount of the charges because the XXXX XXXX received at XXXX directly resulted in her suffering and death. 

Documentation dated XX/XX/XXXX stated that the result was in XXXX favor. This also said they consider the matter closed. 

XXXX called Synchrony Bank on XX/XX/XXXX to confirm status of dispute and was told yes she would have a XXXX balance when the full amount was charged back to merchant. 

XXXX received a bill in XXXX from Synchrony Bank. Alarmed, she again contacted Synchrony Bank on XX/XX/XXXX, and was advised by a male who identified himself as a manager that yes when merchant was charged back she would indeed have a XXXX dollar balance. 

XXXX continued to receive bills from Synchrony Bank and calls from collections. She was grieving and these calls were very upsetting. When she explained to the call center workers, they told her the collections department does not communicate with the dispute department. In XX/XX/XXXX XXXX sent the letter from Synchrony Bank stating the dispute was resolved in her favor back with the bill and a letter asking them to communicate and stop billing and calling. The bills continued and Synchrony Bank stopped the calls at XXXX request. Because the bills continued, in XX/XX/XXXX XXXX sent via certified return receipt, the paperwork Synchrony Bank sent her back to Synchrony Bank, XXXX received two documents on the same day -- one dated XX/XX/XXXX saying they received her dispute request and that they would investigate. This was confusing. The other document dated XX/XX/XXXX said they had resolved the dispute in the providers favor. This was very upsetting. 

It appears that there was confusion because there was a misunderstanding regarding a refund the XXXX XXXX XXXX XXXX Hopsital made to the care credit account by communicating with care credit. 

XXXX sent a letter to XXXX regarding their desire to refund {$290.00} on XX/XX/XXXX by certified mail. I have enclosed copies of the envelope dated XX/XX/XXXX and the letter. 
This refund has absolutely nothing to do with the quality of service issue which the dispute was about. XXXX would like the resolution in her favor for a full refund to stand. She needs closure. XXXX died on 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 monetary relief
Consumer complaint received 2019-07-23
Company: Account Managers, Inc.
State: ID
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:
My credit report is showing 3 accounts with XXXX that were paid on XX/XX/2019.  I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019.  I have not received my letters and they are still on my credit report showing the balances.  I paid XXXX, XXXX, and XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
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 pulled my XXXX  credit report and found First Invst SVC had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 tried reaching out to this bureau several times about inquiries that do not belong to me! this info is fraudulent and i want it investigated and 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
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!

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 2018-01-13
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:
There are many mistakes appear in my report without my understanding.

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 2019-07-23
Company: Experian Information Solutions Inc.
State: PR
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:
Sent company certified letter with all identifying information including FTC ID theft affidavit and prior police report. 

Company has not resolved issue and has not blocked information pertaining ID Theft.

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 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX   XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts 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 2019-04-09
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:
many XXXX  accounts were opened under my name fraudulently, i have been very stressed and out of ordinary. please help me out with this situation. 
i will be attaching my police report and FTC report.the FTC report will have all the accounts that are reporting inaccurately on equifax credit bureau. 
these accounts were opened fraudulently and with out my knowledge. 
please have these accounts removed, please help me to have these removed from equifax which they are not helpful at all. 
i have been disputing and providing all the necessary documents, but no response or even care from them. they have not been helpful at all. 
thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is saying that I have a debt with them. I did not approve of anything related to this collection & would like to dispute it. It is saying that this was created in XX/XX/2016, all of this is incorrect and should not be apart of my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Bread Financial Holdings, Inc.
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:
A credit card open Fraudulent in my name on XX/XX/2019 {$1500.00} from Comenity bank visa Card XXXX XXXX, never apply for this card someone used my information to open this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
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:
Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is 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 2018-01-09
Company: Santander Consumer USA 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:
I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 I sent in my police report and my FTC affidavit to the three credit bureaus. I called last month and spoke to Transunion, XXXX, and XXXX XXXX department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with emotional distress, deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

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 2019-07-23
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Threatening to take my house and attempted intimation to get money

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 2019-07-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 someone fraudulently withdrew {$2000.00} out of my account. I went to the closest bank branch where the suspended my old account and gave me a new one. Chase gave my {$2000.00} back. 
XX/XX/2019 Chase claimed to have completed an investigation and claimed that there was no fraud and immediately withdrew {$2000.00} out of my account. 
I am now left with a -XXXX balance and incurring overdraft fees because chase claimed that there was no fraud when there was. 
Chase also had the audacity to blame it on me. 

Fraud did occur and chase is turning a blind eye.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: LA
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 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!

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 2019-07-23
Company: KEYCORP
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
The lender Key Bank is harassing me with phones calls on a number I never provided them as well as my XXXX father. They are calling from XXXX est time until XXXX cst. My fathers voicemail box is filled with calls from them within the first few hours Monday through Friday. Hes answered and asked them repeatedly to stop calling as well as faxed over a letter stating do not call his number and only communicate via mail regarding the student loan. They obtained my cell phone number from god knows where. They started the non stop calling back in XXXX where I spoke to a representative who advised me to fax over a letter stating not to call my number again and it would cease. They have again started calling my cell phone number over 10 times a day which have caused me to get in trouble at work and my hours have been reduced to less than part-time ( XXXX XXXX ) due to cell phone continually vibrating in my desk. Im allowed my phone for emergency purposes only for my daughter and they have made it impossible. Ive spoken to numerous of representatives and advised to stop calling my numbers even advised the do not call letters that were faxed over to them. They place me on hold each time for 30mins to come back and say well we are calling ... and I then cut them off and say did you find that document where you arent suppose to be calling, but sending it in writing. They then hang up only for the calls to continue by someone else, hours later. They are causing great stress to myself and my father and due to them harassing me has cut down my funds to pay my bills. We want the calls to stop and them to follow the consumer laws as well as the FDCPA. These harassing non-stop calls will lead to me seeking more than just a complaint if it causes me any more financial harm or stress. ( Ive received 3 calls while just typing this message from them ). I am able to provide any proof that needs, whether its the letters sent in ( XXXX, XXXX, XXXX ), call records, voicemails left, and documents sent from them which shows they received my do not call letters.

Company response to consumer: Closed with explanation